Oklahoma SR-22 Insurance After Your Requirement Ends
Oklahoma requires 25/50/25 liability coverage and is an at-fault state.
Compare Rates After SR-22Oklahoma 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
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Oklahoma
Drivers with DUI convictions, license suspensions for uninsured driving, or certain repeat violations typically must file SR-22 for 3 years. For post-SR-22 drivers, these minimums remain the legal floor, but actual premiums depend on how long ago your requirement ended and whether you've shopped since graduating.
Liability Insurance
Full Coverage
Uninsured Motorist Coverage
Comprehensive Coverage
SR-22 Insurance
What Drivers Pay in Oklahoma
$206–$324/mo
Typical monthly rate in Oklahoma, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Violation type that triggered SR-22 — DUI histories take 3–5 years to reach normal rates; suspended license for lapses may normalize in 2–3 years
- Driving record since SR-22 ended — any new violation during rate recovery resets the clock with most carriers
- Vehicle type and coverage level — full coverage on a financed SUV costs more than liability-only on an older sedan, but the relative savings from shopping remain consistent
Shop Again Now That Your Filing Has Ended
Compare Rates After SR-22If your license is suspended
Modified Driver License
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers injuries and damage you cause to others. Oklahoma's 25/50/25 minimums are the legal floor, but post-SR-22 drivers should consider 50/100/50 or higher to protect assets as they rebuild financial credibility.
Full Coverage
Liability plus comprehensive and collision. Required by lenders and essential for drivers with financed vehicles or those who can't afford to replace their car out-of-pocket.
Comprehensive Coverage
Covers non-collision damage like theft, hail, vandalism, and animal strikes. Often required by lenders and part of full coverage packages.
Uninsured Motorist Coverage
Protects you if you're hit by a driver with no insurance or insufficient coverage. Optional in Oklahoma but highly recommended given the state's uninsured driver rate.
SR-22 Insurance
A certificate proving you carry Oklahoma's minimum liability. Required for 3 years following DUI, uninsured driving, or certain violations. The filing costs $15–$35, but the high-risk designation raises premiums $40–$120/mo.
Non-Standard Auto Insurance
Policies designed for drivers with violations, lapses, or SR-22 requirements. Non-standard carriers often offer lower rates immediately after SR-22 ends than standard carriers who still see you as high-risk.