Oklahoma has strict laws about having valid auto Liability insurance. All Oklahoma drivers and/or vehicle owners are required by law to carry the minimum limits of Liability for this state. Liability means that as a driver, you are legally and financially responsible for injury, death, or property damages caused by you or your vehicle in a collision. The minimum limits for auto insurance in Oklahoma are

• $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

So you need to have at least these 25/50/25 Liability limits in place normally on your vehicle registered in Oklahoma, there are lot lower limits available to you.  However the state notes that should a vehicle not be in use at the time of registration and, as a result, Liability insurance not required, an Affidavit of Non Use (Form 797 – available for downloading from the Forms section of the OK DPS site) may be submitted in lieu of Liability insurance verification. A distinctive, non-use registration decal will be issued.

Keep in mind that only the vehicle owner, or an individual with notarized power of attorney from the owner, may sign a Non-Use Affidavit. Also proper insurance must be obtained before the vehicle is placed into operation. So when you go to sell the vehicle you will need to make sure you put proper insurance back on it so any potential buyer can test drive it.

Without having at least the state required insurance on your vehicle (and not having the Affidavit of Non Use filed) you can receive harsh penalties by the state of Oklahoma. The OK Department of Public Safety will suspend the driver's license of the uninsured driver and/or owner of a vehicle involved in a collision where there is any injury or property damage of $300 or more.

If you receive a ticket for failing to have proof of liability insurance, the courts will notify the Department of Public Safety. Your driver's license and your vehicle tags will then be suspended by DPS.

By law, you must show proof of insurance to a law enforcement officer or Department of Public Safety Representative when asked.

A conviction of failure to comply with the Compulsory Insurance Law or failure to produce proof of insurance to a law enforcement officer or Department of Public Safety representative upon request can also result in a fine of up to $250, 30 days in jail, or both plus the suspension of your driver's license and your vehicle's registration.

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