Just like in most states, the state of Oklahoma requires that all licensed drivers have car insurance. Car insurance protects us from having a weighty financial burden on our shoulders following a car accident.
Since every state has different laws surrounding car insurance, it’s important to know what kind of coverage you are going to need if you are planning on moving to the Sooner State. Whether you are a new Oklahoma driver or just looking to switch up your car insurance company, keep reading to find out more information on Oklahoma car insurance.
Minimum Oklahoma Car Insurance Coverage
While most states require all licensed drivers to be insured, every state has different requirements for insurance coverage. If you are living in Oklahoma, you will need to make sure that your car insurance meets the minimum coverage requirements in order to be a legal driver.
In Oklahoma, the minimum amount of car insurance you will need is:
- $25,000 per person and $50,000 per car accident for bodily injury liability coverage.
- $25,000 for property damage liability coverage.
- $25,000 per person and $50,000 per car accident for uninsured motorist bodily injury coverage.
In some states, uninsured motorist coverage is a requirement. While it is still considered a requirement by Oklahoma standards, you can opt to reject it in writing. Note that the amounts listed are just the minimum requirements, but you can always purchase more insurance to better meet your personal coverage needs.
Transferring Your License To Oklahoma
Moving can be a lot of work, especially if you are moving to another state. If you are making a move to the state of Oklahoma, you will need to transfer your previous state driver’s license to be valid by Oklahoma standards. To transfer your license from another state to an Oklahoma driver’s license, you will need to:
- Register your vehicle(s) with the Oklahoma Department of Motor Vehicles (DMV).
- Take your previous state license with you to the DMV (only if it is valid) as well as a second form of identification with you to a Driver Examiner.
- Take a vision test.
Depending on your previous state’s driving standards, it is possible that the driving and written test can be waived, however, the vision test will be mandatory.
Registering Your Car In Oklahoma
Registering your car in the state that you are living in is another responsibility of being a licensed driver. If you are moving to the state of Oklahoma, here is how you register your vehicle. You will need to go to the Oklahoma DMV and:
- Show proof that you have current car insurance.
- Bring your car’s title and other personal identification documents.
- Let your car insurance company know that you have moved, so that they can send you a new insurance card.
Once you have successfully registered your car with the Oklahoma DMV, you will need to take your car to an Oklahoma Department of Public Safety (DPS) or Oklahoma Tax Commission (OTC) to have a tag agent inspect your car. At this time, they will verify the Vehicle Identification Number (VIN) and odometer reading.
Teen Drivers In Oklahoma
Getting your first driver’s license is a pretty big milestone in every teenager’s life. Big accomplishments come with big responsibility, and driving is no different. Whether you are the parent of an Oklahoma teen driver, or you are a teenager in Oklahoma looking to get licensed, here is how to go about it:
- Teen drivers will be eligible to apply for their learner’s permit when they are 15 ½ years old. They will need to:
- Take and pass a written exam.
- Enroll in a driver education program if they are under the age of 16.
- Once a teen driver has driven with their learner’s permit for six months, they will become eligible for a restricted license. With a restricted license, they will be able to:
- Any time, without accompaniment, except for the hours between 10:00 pm and 5:00 am.
- Drive with one passenger in the car who is 21 years old or older, unless all of the passengers in the car are members of their family.
- Once the teen driver has driven with their restricted license for six months, they will be eligible to get their unrestricted license, as long as they are 16 ½ years old with driving courses under their belt. If the teen is 17 years old, the driver education courses will not be required.
Teenagers can be expensive to insure. If you have a new teen driver in your household, shop around to find a car insurance company with the best deals on coverage for the whole family.