Cheap SR22 Oklahoma Auto Insurance

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Oklahoma is one of six American states that do not require the filing of an SR-22 form under any circumstances. What this means is that Oklahoma requires no proof of future financial responsibility after certain driving offences from individuals. This is due to the fact that Oklahoma has stricter driving laws, compared to other states, which negate the need for such administrative proof at state level.

The most important of such driving laws is that all owned or operated vehicles carry minimum liability insurance. This is required for any individual driving in the state of Oklahoma by its Department of Public Safety.

SR22 insurance
SR22 insurance

This minimum liability insurance coverage consists if the following requirements:

  • $25,000 for bodily injury liability coverage per person.
  • $50,000 bodily injury liability coverage per accident.
  • $25,000 property damage liability coverage.

Any failures within the state to comply with the requirements outlined above could result in significant consequences for thee defaulting individual and an immediate suspension of their driving privileges.

Any driver on the roads of Oklahoma, if caught without proof of an insurance policy showing that the minimum state requirements have been met can be slapped with a variety of penalties ranging from vehicle registration and license suspension to jail time.

Drivers Who Need Oklahoma SR22 Insurance

Reckless Driving

DUI/DWI violation

Driving Uninsured

Oklahoma Driving Under the Influence (DUI) penalties

The penalty or punishment for driving under the influence in Oklahoma can only best be described at double pronged. If you are arrested for driving under the influence, you could face penalties through both court and administrative sanctions. The two sanctions are independent of one another.

Following arrest for driving under the influence, an individual has the right to request an administrative hearing within fifteen days of the incident. A failure to do so would result in an automatic revocation of all driving privileges. This is the full extent of the function of the administrative hearing as it is usually held to determine whether or not, the individual is at fault enough t merit a revocation of privileges.

Other than the punishment protocol for handling a DUI, Oklahoma has several other impaired driving laws. An impaired driving offence is a DWI. The DWI (Driving While Impaired), must be proven by the law enforcement and the inability of the driver to properly operate a motor vehicle must be demonstrated.

Criminal penalties for impaired driving offences include:

  • Suspension of drivers’ licenses.
  • Jail time
  • Probation
  • Community service
  • Monetary fines
  • Compulsory alcohol education
  • Ignition Interlock Requirement

Ignition Interlock Device (IID) requirements in Oklahoma

If your license has been revoked in Oklahoma, you may be required to install an Ignition Interlock Device to get your driving privileges returned after a mandatory period of revocation has elapsed. The Ignition Interlock Device must be installed by a state-approved provider. After the installation, a certificate of installation must be provided to the Department of Public Safety. A failure to provide such a certificate could result in additional criminal and administrative sanctions. If you are required by the state t install an Ignition Interlock Device, you are not legally allowed to operate a motor vehicle not equipped with the device.

As a result of convictions requiring the installment of an Ignition Interlock device, first time offenders would be required to use the device for a period of 18 months. Second time offenders can be required to use the device for up to four years depending on their blood alcohol content at the time of the punishable incident. Any additional convictions would result in the use of the interlock device for five years.

This is still a relatively lenient penalty for offenders. If an impaired driver refuses to take a breath test or fails a breath test, their license can be confiscated immediately. If the driver requests a hearing and is unsuccessful in his or her claim, the suspension of the license could be extended to 6 months or more.

Drunk drivers on their first felony charge can be sentenced to a minimum of 1 year and a maximum of 5 years; fines not exceeding $2,500; and a 1 year revocation of their licenses if their license had been revoked at any time within the last ten years.

Future felony charges after the first would carry punishments of 1-10 years jail time, automatic license revocation of not less than 3 years (if the license have been revoked 2 or more times in the ten years preceding the charge) and a fine of up to $5,000.

Cost of an SR-22 policy in Oklahoma

In Oklahoma, it is not required to file an SR-22 form after committing a driving offence. This is because the state laws do not require such a proof of financial responsibility after a crime has been committed. Oklahoma law requires such a proof of future financial responsibility before a driver is allowed to legally get behind the wheel.

This lack of an SR-22 form also means that there would be no filing fees for the driver to take care of. However, this doesn’t mean that there would be no accompanying financial impact when a driving violation is made. While the SR-22 might not be legally required, policy providers are allowed to raise their premiums following driving violations. For instance, the average car insurance policy rate per year for drivers with a DUI on their record is $2,206. This amount is 59.5% higher than the regular average car insurance policy in Oklahoma.

This increase is not permanent though. Maintenance of a clean driving record over a period of time, determined by the insurance providers, would result in policy rates going down over time.

Just like the SR-22 policies, though, the increase in rates may vary from provider to provider and as such in the event that you have a DUI on your record, you would be best served looking at other insurance providers as there might be a cheaper option than what your current provider may be offering.

Oklahoma Car Insurance Rates Near Me


Cheap SR22 Car Insurance Oklahoma

If you are from another state or are moving to another state

Though Oklahoma doesn’t require its drivers to possess SR-22 certifications if they have driving offences on their record, other states may do. If you are a driver within Oklahoma and you are looking to move to one of such states, you may be required to possess such certification in your new state if you are looking to drive there. Offences that could merit such a requirement are:

  • A conviction for a DUI
  • Driving without an insurance policy
  • Driving without a valid license
  • Involvement in a car accident of which you are at fault
  • Accumulation of multiple tickets over a period of time.
  • Failure to pay fines as required on tickets

Having any of these on your record in Oklahoma may require you to file for an SR-22 in any state that requires such a filing before driving there.

If you have an SR-22 in another state an d you are moving to Oklahoma, you would be expected to maintain that SR-22 filing until your mandate there is completed.

Maintaining an SR-22 form in Oklahoma

Despite there being no SR-22 form requiring maintenance in Oklahoma, all drivers within the state must ensure that their licenses and vehicle documentation are in order. The same goes for an insurance policy as no individual is legally permitted to drive without a car insurance policy meeting the state’s minimum liability coverage requirements. Also, drivers with mandatory IID requirements must ensure that their vehicles are fitted with the device and that they never operate a motor vehicle without the device.

What to do if the SR-22 lapses

SR-22 filings are not necessary following driving violations in Oklahoma and so, there cannot be a lapse. However, it is compulsory to possess insurance in Oklahoma before driving. As such, it is imperative that insurance policy premiums be paid on time as failure to do so or a lapse in payment can be legally translated to be a punishable offence.


Frequently Asked Questions (FAQ)

  • Does Oklahoma require SR-22?
  • Oklahoma is one of six American states that do not require the filing of an SR-22 form under any circumstances.

    For specific information pertaining to another state in question, please refer to the respective state guides that are more in-depth.

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  • How much is an SR-22 per month?
  • There is no SR-22 insurance in Oklahoma but offences that may require the form in other states can attract an average increase in insurance payments of 59.5% in Oklahoma.

  • Can you get rid of an SR-22?
  • In Oklahoma, there are no SR-22 forms. However, the higher insurance rates that should result from driving violations can be gotten rid off by maintaining a clean driving record for an extended period of time.

  • How much is SR-22 insurance in OK?
  • In Oklahoma, it is not required to file an SR-22 form after committing a driving offence.

  • How long does an SR-22 stay on your record in Oklahoma?
  • While the SR-22 might not be legally required, policy providers are allowed to raise their premiums following driving violations. This increase is not permanent though. Maintenance of a clean driving record over a period of time, determined by the insurance providers, would result in policy rates going down over time.

  • How long do I need an SR-22 in Oklahoma?
  • There is no requirement for an SR-22 form in Oklahoma but all drivers within the state must ensure that their licenses and vehicle documentation are in order.

  • Does Oklahoma require SR-22 insurance?
  • Oklahoma is one of six American states that do not require the filing of an SR-22 form under any circumstances. What this means is that Oklahoma requires no proof of future financial responsibility after certain driving offences from individuals.

  • Why do I need SR-22 insurance in Oklahoma?
  • If you have an SR-22 in another state and you are moving to Oklahoma, you would be expected to maintain that SR-22 filing until your mandate there is completed. Other than this, there is no requirement for an SR-22 filing for any driving violation in Oklahoma.

  • What happens if you don’t get SR-22 insurance?
  • Despite there being no SR-22 form requiring maintenance in Oklahoma, all drivers within the state must ensure that their licenses and vehicle documentation are in order. The same goes for an insurance policy as no individual is legally permitted to drive without a car insurance policy meeting the state’s minimum liability coverage requirements.

  • Is SR-22 insurance full coverage?
  • SR-22 insurance is not required by Oklahoma law but in states where it is needed, the coverage doesn’t have to be full. It can be full coverage but that’s a personal decision as the law only requires the policy to provide liability coverage and maybe uninsured motorist coverage.