On May 28, 2004, Oklahoma’s Governor signed into law House Bill 2470. As a result of HB 2470, Oklahoma’s minimum compulsory automotive liability limits increased from $10,000 per person/$20,000 per accident/$10,000 for damaged property per accident (10/20/10) to 25/50/25.

So you are correct that the liability limits of Oklahoma are no longer 10/20/10 as of April 1, 2005 when the OK house bill 2470 went into effect thus amending Title 36 (Oklahoma Insurance Code) and Title 47 (Oklahoma Motor Vehicle Code) of the Oklahoma Statutes. All Oklahoma drivers and vehicle owners are now required by law to carry the following 25/50/25 minimum limits of liability insurance:

• $25,000 for injury or death of one person.
• $50,000 for injury or death of two or more persons.
• $25,000 for property damage.

If you do not have the legally required liability insurance outlined above, 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.

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.