Oklahoma SR-22 Insurance After DUI or Suspension
Oklahoma requires 25/50/25 liability coverage and is an at-fault state.
Find Coverage After a Traffic ViolationOklahoma 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
Drivers with DUI convictions, license suspensions for excessive points, uninsured accidents, or refusal to submit to chemical testing typically face SR-22 filing requirements administered through the Oklahoma Department of Public Safety. The SR-22 is not insurance itself but a certificate your insurer files to verify continuous coverage for the mandated period.
Liability Insurance
SR-22 Insurance
Non-Standard Auto Insurance
Full Coverage
Uninsured/Underinsured Motorist 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
- Time since violation: rates begin declining after 3 years violation-free, with significant drops in years 4–5
- Credit-based insurance score: Oklahoma allows credit-based pricing, and poor credit combined with violations can double base rates
See Who Will Insure You After a Ticket
Find Coverage After a Traffic ViolationCoverage Types
SR-22 Insurance
Certificate proving continuous coverage filed by your insurer to the Oklahoma DPS. Required for DUI, uninsured violations, and license suspensions, typically for 3 years from reinstatement.
Non-Standard Auto Insurance
Policies designed for drivers standard carriers decline: DUI, multiple violations, lapses, or suspensions. Rates are 60–250% higher than standard policies but provide the required coverage to reinstate your license.
Liability Insurance
Covers injury and property damage you cause to others. Oklahoma minimums are 25/50/25, but serious accidents easily exceed these limits, leaving your assets exposed to lawsuits.
Full Coverage
Liability plus comprehensive and collision to repair or replace your own vehicle. Required by lenders if you finance; optional if you own your car outright.
Uninsured Motorist Coverage
Protects you if an at-fault driver has no insurance or insufficient coverage. Adds $15–$35/mo and covers medical bills and vehicle damage the other driver can't pay.
High-Risk Auto Insurance
Coverage for drivers with violations, accidents, DUI, or license issues. Rates reflect elevated risk to the insurer and decline over 3–5 years as violations age off your record.