Oklahoma’s Governor signed into law House Bill 2470 which raised Oklahoma’s minimum compulsory automotive liability limits from $10,000 per person/$20,000 per accident (medical)/$10,000 for damaged property per accident (10/20/10) to 25/50/25.

This law went to effect April 1, 2005 amending Title 36 (Oklahoma Insurance Code) and Title 47 (Oklahoma Motor Vehicle Code) of the Oklahoma Statutes. Now all Oklahoma drivers and vehicle owners are required by law to carry the 25/50/25 minimum limits of liability insurance at all times if their vehicle is operational.

If you do not have the legally required liability insurance you may be subject to a fine of up to $250, 30 days in jail, or both.  In addition, you will face license suspension and suspension of your vehicle registration if you are convicted of failure to comply with the minimum Compulsory Insurance Law or if you fail to produce proof of insurance to a law enforcement officer or Public Safety Representative upon request. 

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At the time of a collision or a traffic stop, the driver must show a current security verification form (proof of liability insurance) to the law enforcement officer. The vehicle owner’s insurance company or an individual’s non-owner insurance policy will provide the proper security verification form.