Oklahoma Car Insurance Minimum Requirements

Oklahoma requires at least 25/50/25 liability coverage. That is $25,000 for injuries to one person, $50,000 per accident and $25,000 for property damage.

Shorthand: 25/50/25
Bodily injury — per person: $25,000
Bodily injury — per accident: $50,000
Property damage: $25,000
Uninsured / underinsured motorist: Included unless you reject it in writing
No liability policy may be issued, delivered, renewed or extended in Oklahoma without uninsured motorist coverage unless the named insured rejects it in writing. The floor is the state minimum for bodily injury — $25,000 per person and $50,000 per accident — not your own liability limits, although the insurer must offer to match them. Oklahoma's definition of an "uninsured motor vehicle" also covers a driver whose limits are less than your claim, so one coverage does the work of both UM and UIM. Two traps: a rejection stays valid for the life of the policy and does not have to be re-offered at renewal, and there is no coverage while you are in a vehicle owned by or regularly available to you or a resident relative if that vehicle is itself uninsured (36 O.S. § 3636).
Personal injury protection (PIP): Not required
Oklahoma requires liability coverage only. Nothing in the Compulsory Insurance Law obliges an insurer to cover your own injuries; medical payments coverage is sold separately and is optional.

Property damage minimum — where Oklahoma sits

Oklahoma sets $25,000 — higher than 23 of the 51 jurisdictions on this site. The range runs from $5,000 to $50,000.

How Oklahoma compares with every other state

What these numbers buy you

Those first two numbers are two different walls, and drivers regularly mistake them for one. $25,000 is the most the policy pays for any single person's injuries. $50,000 is the ceiling for everyone hurt in the same crash put together. Injure one person badly and $25,000 is all your insurer owes, however large the bill. Injure three people and they divide $50,000 between them. Anything a court awards above those lines is yours to pay, and it does not go away when the policy runs out.

The $25,000 of property damage cover is the figure drivers look at last and need first. It pays for what you hit — the other car, a guardrail, a storefront — and nothing else. Only 2 states on this site set a higher one. Whatever the repair or replacement actually costs above $25,000 is not covered by this policy, and the difference is a debt in your name rather than your insurer's.

None of this is what Oklahoma drivers actually spend. The average premium written per insured vehicle here was $421 in 2023, 26th highest of 51 states and DC — and that average covers policies far above the legal floor, not the bare minimum on this page.

Carrying the minimum is legal, not safe. It is the line below which Oklahoma will not let you drive — and the penalties for falling under it are on the driving uninsured page.

Common questions

Is uninsured motorist coverage required in Oklahoma?

Included unless you reject it in writing.

Is PIP required in Oklahoma?

Not required.

Is full coverage required in Oklahoma?

No. Collision and comprehensive — the two coverages people usually mean by "full coverage" — are not part of what Oklahoma law requires. A lender or leasing company will usually require them until the car is paid off.

Every statute cited for Oklahoma

Why the rule looks like this

More on Oklahoma

Checked against the primary sources above on September 27, 2026. If a figure here is wrong, tell us and we will fix it — what we have corrected so far is public.