Oklahoma car insurance statutes
Every figure on the Oklahoma pages comes from a numbered section of Oklahoma law or from the agency that administers it. This is the whole list — 31 laws and 12 agency pages — so you can go straight to the section you need, or check what we read before we wrote a number down.
Statutes and session laws
- 23 O.S. § 13read September 27, 2026
Comparative negligence
Used on fault system
- 23 O.S. § 14read September 27, 2026
Damages diminished in proportion to contributory negligence
Used on fault system
- 36 O.S. § 3636read September 27, 2026
Uninsured motorist coverage; written rejection; $25,000 / $50,000 floor; underinsured vehicles included
Used on minimum coverage
- 47 O.S. § 6-212(C)read September 27, 2026
$75 processing fee, $200 trauma-care assessment, $25 reinstatement fee; fees not cumulative
Used on sr-22, driving uninsured, coverage lapse, moving here
- 47 O.S. § 7-103(2)(b)read September 27, 2026
"Minimum liability insurance limits" defined as $25,000 / $50,000 / $25,000 for policies issued or renewed on or after April 1, 2005
Used on minimum coverage
- 47 O.S. § 7-116read September 27, 2026
Limitation on recovery if not in compliance with the Compulsory Insurance Law (no pain and suffering)
Used on fault system
- 47 O.S. § 7-206read September 27, 2026
Failure to deposit security and file proof of financial responsibility within 10 days of notice
Used on sr-22
- 47 O.S. § 7-314read September 27, 2026
Suspension continues until judgments are paid and proof is given
Used on sr-22
- 47 O.S. § 7-317read September 27, 2026
default on an installment judgment payment agreement
Used on sr-22
- 47 O.S. § 7-320read September 27, 2026
Alternate methods of giving proof (security verification form, deposit, self-insurance)
Used on sr-22
- 47 O.S. § 7-321read September 27, 2026
Repealed by Laws 2009, SB 1161, c. 62, § 41, eff. November 1, 2009 (the insurer-certificate route)
Used on sr-22
- 47 O.S. § 7-324(b)(2)read September 27, 2026
the same $25,000 / $50,000 / $25,000 limits stated in the owner's policy requirements
Used on minimum coverage
- 47 O.S. § 7-402read September 27, 2026
Surrender of license on suspension or on cancellation of the required policy
Used on sr-22, coverage lapse
- 47 O.S. § 7-600.2read September 27, 2026
Online verification system for motor vehicle insurance; duties at a traffic stop; no stop primarily to verify insurance
Used on coverage lapse
- 47 O.S. § 7-601read September 27, 2026
security required at all times; liability coverage is the only coverage required
Used on minimum coverage, fault system
- 47 O.S. § 7-602read September 27, 2026
Certification of the existence of security at registration through the online verification system
Used on coverage lapse, moving here
- 47 O.S. § 7-602.1read September 27, 2026
Possession of a security verification form while operating a vehicle
Used on coverage lapse
- 47 O.S. § 7-603read September 27, 2026
The Department may verify the existence of security at any time
Used on coverage lapse
- 47 O.S. § 7-605read September 27, 2026
Suspension of driving privilege; conviction, bond forfeiture or failure to appear; $50 surcharge for not surrendering the license
Used on sr-22, driving uninsured
- 47 O.S. § 7-606read September 27, 2026
Failure to maintain insurance or security; penalties (as amended by Laws 2025, HB 2215)
Used on driving uninsured, coverage lapse
- 47 O.S. § 7-606.1read September 27, 2026
Uninsured Vehicle Enforcement Program; automatic license plate reader systems; affidavit as probable cause
Used on driving uninsured
- 47 O.S. § 7-606.2read September 27, 2026
Uninsured Vehicle Enforcement Diversion Program (deferred prosecution up to two years; fee equal to district court costs plus $20)
Used on driving uninsured
- 47 O.S. § 7-607read September 27, 2026
Non-use affidavit exemption for a vehicle kept off the public roads
Used on driving uninsured
- 47 O.S. § 10-107read September 27, 2026
Immediate notice of an accident involving injury or death
Used on crash reporting
- 47 O.S. § 10-108read September 27, 2026
Written report of accident (current text: $300 threshold, six-month settlement rule)
Used on crash reporting
- 47 O.S. § 10-108 as amended by Laws 2026, HB 4143, c. 333, § 1, eff. November 1, 2026read September 27, 2026
Used on crash reporting
- 47 O.S. § 10-109read September 27, 2026
Form of report; repair estimate must accompany it
Used on crash reporting
- 47 O.S. § 10-114read September 27, 2026
Penalty for failure to report; license held until the report is filed
Used on crash reporting
- 47 O.S. § 40-102read September 27, 2026
Investigating officer's written report; current $500 threshold
Used on crash reporting
- 47 O.S. § 851read September 27, 2026
Repealed by Laws 2001, HB 1081, c. 153, § 9 (the periodic mechanical inspection program)
Used on moving here
- 47 O.S. § 1151(C)read September 27, 2026
30 days to register a used vehicle brought into Oklahoma; $1 per day penalty to a $100 cap
Used on moving here
Agency pages and forms
Used where the law leaves a detail to the agency — a form name, a fee set by order, a deadline published rather than enacted. Where a statute and an agency page disagree, the state page says so.
- Oklahoma District Attorneys Councilread September 27, 2026
About the UVED Program ($190 enrollment fee, two years of coverage, camera units since November 1, 2018)
Used on driving uninsured
- Oklahoma Insurance Department and Department of Public Safetyread September 27, 2026
Bulletin No. PC 2006-08 (proof of security after a suspension: policy number required, no binders)
Used on sr-22
- Oklahoma Legislatureread September 27, 2026
HB 2215 (2025), enrolled: removing provisions authorizing certain seizure of license plates
Used on driving uninsured
- Oklahoma Legislatureread September 27, 2026
HB 4143 (2026), enrolled: $300 to $3,000 for the driver's report and $500 to $3,000 for the officer's report, effective November 1, 2026
Used on crash reporting
SB 272 (2011), enrolled
Used on fault system
SB 1161 (2009), enrolled
Used on sr-22
HB 1081 (2001), enrolled
Used on moving here
- Service Oklahomaread September 27, 2026
Out-of-State Title Transfers (documents needed after moving, VIN inspection, proof of Oklahoma insurance)
Used on moving here
- Service Oklahomaread September 27, 2026
About Us (created by HB 3419 in May 2022 to provide driver and motor vehicle services)
Used on moving here
- Service Oklahomaread September 27, 2026
Violations, Suspensions & Reinstatements (financial responsibility hearing is with DPS)
Used on moving here
- Service Oklahomaread September 27, 2026
Vehicle Titles: out-of-state vehicles need a VIN inspection, $4 fee
Used on moving here
- US EPAread September 27, 2026
Oklahoma SIP: OK 595 Chapter 20, Inspection and Equipment for Motor Vehicles, SIP effective 1996-04-29 to 2009-02-26
Used on moving here