Is Oklahoma a no-fault state?
No. Oklahoma is an at-fault state. The liability insurance of the driver found responsible for the crash pays the injured people's claims.
Last checked November 9, 2026 · Official sources (4)
How does Oklahoma car insurance work?
“BODILY INJURY LIABILITY protects you against a claim which is made by someone who has been injured in an auto accident for which you are found liable.”
Oklahoma Insurance Department
What is Oklahoma's minimum car insurance?
| Coverage | What Oklahoma requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $25,000 |
| Uninsured motorist | Uninsured motorist coverage is not required, but if you do not want it you must turn it down in writing. |
Other at-fault states
Questions
How much insurance does Oklahoma require?
The minimum is 25/50/25: $25,000 for injury to one person, $50,000 for everyone injured in one crash, and $25,000 for property damage.
What if you were partly at fault in Oklahoma?
If you were partly at fault, your money is cut by your share of the blame, and you get nothing if your fault is greater than the other side's.
Hurt in a crash in Oklahoma? Find out if you are owed money.
A free case review. $0 upfront. No fee unless you win.
See if I’m owed moneySources (4)
- Oklahoma Insurance Department, checked 2026-11-09. “BODILY INJURY LIABILITY protects you against a claim which is made by someone who has been injured in an auto accident for which you are found liable.”
- Oklahoma Insurance Department, checked 2026-11-09. “MINIMUM LIABILITY LIMITS FOR OKLAHOMA are 25/50/25. The first 25 means the policy will pay up to $25,000 in bodily injury for any one person per accident. The 50 means that the policy will pay up to $50,000 for all persons injured per accident.”
- Oklahoma Insurance Department, checked 2026-11-09. “Uninsured Motorist coverage is not required by law; however, the law does require you to reject this coverage in writing if you do not want it.”
- Oklahoma Statutes, Title 23, Section 13 (OSCN), checked 2026-11-09. “contributory negligence shall not bar a recovery, unless any negligence of the person so injured, damaged or killed, is of greater degree than any negligence of the person, firm or corporation causing such damage”