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.
How Much Does Car Insurance Cost in Oklahoma?
Car insurance costs in Oklahoma across the state average out to be around $615 for state minimum coverage policies and $1,896 for full coverage. These rates will always vary from person to person. Some determining factors that will affect the price quotes you receive will be personal demographics, driving history, available discounts, vehicle type and the type of vehicle you are looking to insure.
We’ve broken down the average costs across OK below to give you an idea of average costs based on your current city and vehicle type:
$50,000 for an accident involving multiple individuals.
$25,000 for accidents causing property damage.
Requirements for New Driver Licenses
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:
Smooth turns, stops and signaling
Respond and observe pedestrians’ and other vehicles’ actions
Fees. The following fees apply:
Written test, $5
Road test, $5
Driver License, $33.50
DUI & DWI Laws
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:
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
State Driver Resources
State Department of Insurance
Oklahoma Insurance Department 3625 NW 56th Suite 100 Oklahoma City, OK 73112-4511 (405) 521-2828 In State Toll Free Number:(800) 522-0071 www.ok.gov/oid Get Directions