States
Oklahoma minimum car insurance: 25/50/25
At least $25,000 per person, $50,000 per accident and $25,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
Oklahoma minimum: 25/50/25 · no-fault or at-fault status not verified
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$80,000
- Total damages: $155,000
- Injury paid by the policy: $50,000 (per-person cap reached)
- Property paid by the policy: $25,000
The scenario amounts are yours, not statistics. official page, read 2026-11-03. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
Oklahoma's Insurance Department states the minimum as 25/50/25: $25,000 of bodily injury protection per person, $50,000 per accident and $25,000 of property damage protection. It gives the figures on a page about common myths, and its point is that the legal floor is not a measure of what a crash costs. The department quotes an insurance industry recommendation of 100/300/100 without making it a rule, so we do not treat it as one. It also explains who pays when someone else drives your car: in Oklahoma the owner's liability insurance follows the car as long as the owner gave the driver permission, and if the owner failed to buy liability insurance, the driver is required by law to carry it. Comprehensive and collision cover are optional, though many lenders require both on a financed car, and the department notes that a car worth under $1,000 may not justify them. Oklahoma's statute site and state portal terms did not answer our reader, so we give no penalty here.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in Oklahoma
This is the most common pattern among the states we read, shared with 11 others, so a policy from one of them normally fits without change.
$25,000 is the most the policy pays for one injured person. $50,000 is the most it pays for everyone hurt in the crash. $25,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $25,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $50,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $25,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for Oklahoma.
What else we read for Oklahoma
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Not verified | None read |
| Other required or offered cover | Not verified | None read |
| Penalties | Not verified | None read |
| SR-22 or similar filing | Not verified | None read |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.