Oklahoma SR-22 Insurance & High-Risk Coverage
Oklahoma requires 25/50/25 liability coverage and is an at-fault state.
Get Quotes Based on Your RecordOklahoma at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Oklahoma
Drivers convicted of DUI, caught driving without insurance, or suspended for accumulated violations typically must file SR-22 proof of financial responsibility with the Oklahoma Department of Public Safety for 3 years. High-risk drivers often need coverage above state minimums to access non-standard carriers willing to write policies with SR-22 filing.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
What Drivers Pay in Oklahoma
$262–$317/mo
Typical monthly rate in Oklahoma, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Violation type: DUI convictions carry the highest surcharge, followed by uninsured accidents and reckless driving
- Coverage level: minimum liability offers the lowest premium but leaves high-risk drivers exposed to personal liability in a second accident
- Location within Oklahoma: urban areas like Oklahoma City and Tulsa see higher rates due to accident frequency and theft risk
Get a Rate That Matches Your Record Today
Get Quotes Based on Your RecordCoverage Types
SR-22 Insurance
Proof of financial responsibility filed by your insurer with the Oklahoma Department of Public Safety. Required after DUI, uninsured violations, or license suspensions.
Non-Standard Auto Insurance
Coverage from insurers specializing in high-risk drivers, DUI convictions, SR-22 requirements, and lapses. Accepts profiles standard carriers decline.
Liability Insurance
Covers bodily injury and property damage you cause to others. Oklahoma minimums are 25/50/25, but many non-standard carriers require higher limits.
Full Coverage
Combines liability, collision, and comprehensive. Required by lenders if you finance or lease your vehicle, regardless of driving record.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance. Not required in Oklahoma but must be offered at limits matching your liability policy.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident, regardless of who is responsible. Required by lenders; optional if you own your car outright.