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Oklahoma Car Insurance

Drivers in the Sooner state may feel like they are in a whirlwind when it comes to finding cheap car insurance. At Good2Go Insurance, Inc. we help drivers get back on the road for less, with quality insurance rates.

Drivers in Oklahoma who fail to provide proper insurance information may receive fines, and even a suspension on the driver’s license.


Oklahoma Penalties for Driving Without Car Insurance

In the state of Oklahoma, it is illegal to drive any motor vehicle without proof of insurance or financial responsibility. The driver must maintain proof of continuous insurance throughout the registration period. The penalties for driving without car insurance in Oklahoma include suspension of driving privileges and fines and fees of $100-200.


Oklahoma Car Insurance Laws

According to the Oklahoma Bureau of Motor Vehicles, Oklahoma’s car insurance laws require all drivers to present proof of liability insurance when they register their vehicle. Oklahoma vehicle owners with cars registered in their name must be able to certify that they have insurance and that it meets state minimum requirements for:

  • $25,000 for bodily injury to or death of one individual in any one accident
  • $50,000 for bodily injury to or death of two or more individuals in any one accident
  • $25,000 for injury to the property of others in any one accident.


Oklahoma DUI/DWI Laws and Penalties

Oklahoma DUI laws state that drivers with a Blood Alcohol Concentration (BAC) of 0.08 or more are considered to be driving under the influence. Oklahoma DUI laws also prohibit driving under the influence of controlled substances such as marijuana, cocaine or inhalants. First offense DUI arrest in Oklahoma initiates an impending license suspension of 6 months, a 10-day minimum to 1 year incarceration and fines of up to $1,300.


Oklahoma Cell Phone Driving Laws and Texting While Driving Laws

The state of Oklahoma currently does not have a full ban on cell phone use for all drivers. However, novice drivers under the age of 18 are prohibited from using a cell phone in any manner (talking, texting, playing games, etc.) while driving. Oklahoma also has a texting while driving ban for all drivers. It is a minor misdemeanor and violators could face a fine up to $100.


Oklahoma SR-22 Insurance Documents

Oklahoma SR-22 insurance documents are not required for drivers who have been convicted of driving without auto insurance, however, they can be required if you have an SR-22 filing in another state and move to Oklahoma. An SR-22 form may need to be filed for three years with your former state, showing proof of financial responsibility. This filing is usually required after the suspension of your driving privileges has been lifted. Your insurer can electronically file SR-22 insurance documents with your former state for drivers that are required to keep and show valid auto liability insurance.

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