Auto Coverage in Oklahoma
Oklahoma Auto Insurance
Drivers in the state of Oklahoma are required to carry proof of auto insurance with them at all times, or else they can face strict consequences. Auto insurance in Oklahoma is important, because drivers can be asked to show evidence if they are pulled over by a traffic officer or involved in an accident. Additionally, drivers will need their proof of auto insurance in order to register a vehicle.
Minimum Oklahoma auto insurance
The state of Oklahoma requires that drivers have the following amounts of auto insurance:
- Bodily Injury and Death: $25,000 to cover one person in any one accident, and $50,000 to cover all injuries
- Property Damages: $25,000
Oklahoma has a special regulation called a tort system, which requires, if there is an accident, one of the drivers is found to be at fault. The driver who caused the accident must pay for all the damages, so it's important to have enough insurance to cover those costs in case of an unfortunate event.
Penalties without Oklahoma auto insurance
The penalties in Oklahoma are strict for drivers who are caught without the required amount of insurance – you can not only face a fine of up to $250, but you may also receive a jail sentence up to a month. In addition, your driver's license and vehicle registration can both be suspended.
If your insurance lapses, you may also face higher premiums from the insurance companies when you try to reinstate your coverage, because you are seen as a higher risk customer. This is why it's especially important to obtain auto insurance in Oklahoma.