The required minimum amount of car insurance for Oklahoma is $25,000 for injury or death of one person, $50,000 for injury or death of two or more persons and $25,000 for property damage. These are just the minimum requirements but you should purchase additional coverage for extra protection. In fact, most insurance providers will advise you to get the uninsured and underinsured motorist coverage so you will be protected in case the driver responsible for the accident does not have insurance or enough coverage.

Oklahoma state law also requires all drivers to have a proof of car insurance and to be able to show it to law enforcement or to the Department of Public Safety representatives whenever asked. At the same time, drivers must also show their proof of car insurance whenever they get involved in an accident.

If you are caught driving without the required car insurance for Oklahoma, you will have to pay the amount of $250 and/or be incarcerated for 30 days. Also, if you are convicted for non compliance with the Compulsory Insurance Law, your license and registration will be suspended. The same applies when you fail to present your proof of car insurance to the Public Safety Representative or law enforcement when requested.

The Oklahoma Automobile Insurance Plan, created in 1950, can help you get car insurance if you are having difficulties getting insurance through other means. With the help of the Oklahoma Automobile Insurance Plan, you can get insurance from any insurance agent with Oklahoma Property and Casualty license.

It is better to maintain car insurance even if your vehicle is inoperable. This is because if you let your insurance lapse, you will have to pay a higher premium later on when you need it. The best thing you can do is to ask your insurance agent if they give reduced rates for inoperable vehicles.

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