OKLAHOMA AUTO INSURANCE GUIDE
Required Auto Insurance & Minimum Limits in Oklahoma
Oklahoma requires motor-vehicle liability insurance with minimum limits of $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more persons in one accident, and $25,000 for property damage.
- Confirm the declarations page, covered vehicle and actual liability limits.
- Oklahoma insurers must offer UM/UIM coverage; an insured who does not want it must reject it in writing.
- UM/UIM protects against bodily injury rather than ordinary vehicle property damage.
- Investigate household, employer, commercial, umbrella and excess coverage when the facts support additional policies.
Primary Oklahoma Sources
- Oklahoma Insurance Department — Auto Insurance FAQs
- Oklahoma Insurance Department — Uninsured Motorist Coverage
Current-law review: September 16, 2026. Confirm the policy actually issued and any signed UM/UIM rejection.
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