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Oklahoma DUI & Violation Insurance Requirements

Oklahoma requires 25/50/25 liability coverage and is an at-fault state.

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Oklahoma 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

Most Oklahoma insurers will not cancel your policy immediately after a DUI or serious violation—they will non-renew it at the end of your current term, giving you 30 to 90 days to find replacement coverage. The Oklahoma Department of Public Safety (DPS) typically requires SR-22 filing for DUI convictions, certain suspensions, and accumulation of serious violations. You must carry at least the state minimum liability coverage continuously during the filing period, and any lapse—even one day—restarts the clock and can extend your suspension.

SR-22 Insurance

SR-22 is not a type of insurance—it is a certificate your insurer files with the Oklahoma DPS proving you carry the required minimum coverage. Not all carriers offer SR-22 filing; you will need to work with a non-standard or high-risk insurer that provides this service.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers—those with DUIs, violations, lapses, or suspensions on their record. These policies cost more than standard coverage because the carrier assumes greater risk. Most non-standard carriers in Oklahoma offer SR-22 filing as part of their service.

Liability Insurance

Liability insurance covers damage and injuries you cause to others in an accident. This is the minimum you must carry during your SR-22 filing period.

High-Risk Auto Insurance

High-risk auto insurance is designed for drivers with recent DUIs, multiple violations, or suspended licenses. Carriers price these policies based on violation severity, your driving history, and the filing requirements imposed by the state. Expect significantly higher premiums than standard coverage during the first 3 years after a violation.

Comprehensive and Collision Coverage

If you have a loan or lease on your vehicle, your lender will require comprehensive and collision coverage even during your high-risk period. These coverages protect your vehicle from damage and theft, and premiums will be higher due to your violation status. If you own your vehicle outright, you can drop these to reduce cost, but you must maintain continuous liability coverage.

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

  • Prior driving history: multiple violations or a prior DUI increase rates further
  • Age and experience: younger drivers (under 25) with violations face the highest premiums
  • Location within Oklahoma: urban areas like Oklahoma City and Tulsa see higher rates due to accident frequency
  • Carrier availability: fewer carriers compete for high-risk business in Oklahoma, limiting your options and increasing cost
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Get Back to a Fair Rate After a Violation

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Coverage Types

High-Risk Auto Insurance

Coverage designed for drivers with recent DUIs, multiple violations, or suspended licenses. Carriers specialize in this market and offer SR-22 filing as a standard service.

Non-Standard Auto Insurance

Policies sold by carriers that accept drivers with recent violations, lapses, or cancellations. Non-standard insurers operate in Oklahoma and provide the SR-22 filing most standard carriers will not.

SR-22 Insurance

A certificate filed by your insurer proving you carry the minimum required liability coverage. Not all carriers offer SR-22 filing; you must work with a non-standard or high-risk insurer.

Liability Insurance

Covers damage and injuries you cause to others. Oklahoma requires minimum limits of 25/50/25 during your SR-22 filing period.

Find Your City in Oklahoma

Oklahoma City

urban

Tulsa

urban

Norman

suburban

Broken Arrow

suburban

Lawton

urban

Edmond

suburban

Moore

suburban

Midwest City

suburban