Proud of its Native American heritage, Oklahoma’s state flag bears an Osage warrior’s shield and both the peace pipe and olive branch reminiscent of peace and unity. A proud state, visitors can’t miss Oklahoma’s American spirit of patriotism. Home to the Route 66 museum, Red Rock Canyon State Park and the Chisholm Trail, “The Sooner State” attracts Americans of every type. CheapCarInsurance.net wants to help contribute by making the state’s car insurance information easily accessible in this well-organized list.
LAWS & REGULATIONS
As drivers take a chance to get out on scenic Oklahoma byways, this list of helpful facts regarding the state’s driving rules and regulations will make sure those drivers are protected and well-informed.
Minimum Car Insurance Requirements in Oklahoma
- The Oklahoma Department of Insurance points out that every Oklahoma vehicle must be covered by Liability Insurance.
- Liability Coverage minimums:
- $25,000 for an individual in an accident.
- $50,000 for an accident involving multiple individuals.
- $25,000 for accidents causing property damage.
Requirements for New Driver Licensing:
- Oklahoma requires all drivers to be licensed to operate a vehicle in the state. The Department of Public Safety has created a Graduated License Driver (GDL) program for drivers ages 15 to 18. The program consists of a Learner’s Permit, an Intermediate License and an Unrestricted License.
- Learner’s Permit. This permit can be obtained by an applicant who has reached 15 years, 6 months of age and has completed or is currently enrolled in a driver education program. At this age, the applicant must have passed the written and vision tests.
- If the applicant has not completed a driver education course, he/she must be 16 years of age and passed the written and vision tests. During this phase, the following applies:
- The Learner’s Permit must be held by the applicant for 6 months
- The applicant must be supervised by a licensed driver who is 21 or older and who has held a license for 2 or more years.
- The applicant must complete at least 50 hours of driving training. This training must include at least 10 hours of driving at night.
- Intermediate License. At this point, the applicant must pass the driving test and have successfully passed the Learner’s Permit phase. During the permit phase, the applicant must have had no moving violations. The following applies during this stage:
- The applicant may drive only between 5am and 10pm without supervision. To drive during the restricted times, the applicant must have a supervisor driver listed who meets the above qualifications.
- The applicant may carry only 1 passenger unless supervised.
- Unrestricted License. To obtain this license, the applicant must have either held the Intermediate License for 6 months with no convictions or have turned 18. If the applicant has not taken a driver education course, he/she must have held the Intermediate License for 1 year with no convictions or have turned 18.
- Vision Exam. Requirements for the vision exam include a visual acuity of at least 20/60 or 20/50 in one eye and a field of vision of at least 140 degrees. Corrective lenses may be worn, and the Oklahoma DPS allows for several restrictions.
- Written Test. The written test will evaluate a driver’s knowledge of Oklahoma traffic regulations, safe driving practices, drug offense and alcohol offenses. If the test is failed, the applicant must wait one day to re-take it.
- Driving Test. A driving test simply evaluates a driver’s ability to control his/her vehicle. The test administrator will be looking for sufficient skills in the following areas:
- Vehicle maneuverability
- Grade parking
- Smooth turns, stops and signaling
- Right-of-way rules
- Respond and observe pedestrians’ and other vehicles’ actions
- Fees. The following fees apply:
- Application, $4
- Written test, $5
- Road test, $5
- Driver License, $33.50
- BAC limit: .08 The Oklahoma Department of Public Safety enforces the DUI convictions in Oklahoma. The following is a brief overview of the minimum penalties for a DUI conviction in the state:
- First Offense:
- Fine: maximum $1,000
- License suspension: 30 days
- Jail: 5 days to 1 year
- Second Offense in 10 years:
- Fine: maximum $2,500
- License suspension: 6 months
- Jail: 1 to 5 years
- Ignition Interlock Device
- Third Offense in 10 Years:
- Fine: maximum $5,000
- License suspension: 1 year
- Jail: 1 to 10 years
- Ignition Interlock Device
- Refusing to test results in:
- First Offense: 6-month revocation and 1-month Ignition Interlock.
- Second Offense: 1-year license revocation
- Third Offense: 3-year revocation
Texting & Driving Laws
According to Distraction.gov, drivers with a Learner’s Permit may not text or use a handheld cell phone device while driving.
With the varied history that is typical with Midwestern states, Oklahoma has some interesting laws still in place. For example, it is forbidden to take an elephant downtown, and horses are not to be tied in front of Yukon’s City Hall. One may not eat a hamburger and walk backward while in downtown Oklahoma City. And to take the fun out of childhood, children are forbidden to tie a towel around themselves like a cape and jump from the roof!
Average Car Insurance Premiums.
Enjoying an all-time low in 2008, Oklahoma’s car insurance premiums as a percentage of income reached 1.4 percent. NAIC.org recorded the nation’s all-time low in the same year at 1.57 percent. Since then, both numbers have shot back up.
Drunk Driving Fatalities
After experiencing a surge in drunk driving fatalities in 2011, the National Highway Traffic Safety Administration shows Oklahoma’s fatalities have been on a steady decline. The state’s percentage remains well below the national average.
Teen Drinking and Driving
Oklahoma teen drinking and driving is slightly lower than the national average, according to the Center for Disease Control.
Vehicular Theft in Oklahoma
Oklahoma saw an increase in the rate of vehicle thefts in 2012. The FBI indicates that thefts have steadily gone down between then and 2014.