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Oklahoma Motorcycle Insurance Requirements

Oklahoma Motorcycle Insurance Requirements

Oklahoma is located in the South Central region of the United States. It is considered average in terms of population as well as area. The state’s name originated from the words “okla” and “humma” from the Choctaw language which translates to “red people.” Many individuals also refer to this state as “The Sooner State” which honors settlers that entered this unassigned territory before President Grover Cleveland declared that they were open to settlement with the Indian Appropriations Act of 1889. The geography in this area consists of forests, mesas, prairies, and small mountain ranges.

This state is of major historical significance in the U.S. due to the fact that whites were allowed to settle in America’s “Indian Territory” – which was this state. The name “Indian” was dropped from this territory and it was then referred to as Oklahoma Territory. Residents of this state are referred to as “Okies” or “Oklahomans” and the capital city is Oklahoma City – home to the NBA team the Thunder. The economy in this state is influenced largely by production of natural gas, oil, and agriculture. Other influences include: biotechnology, energy, aviation, and telecommunication services.

Oklahoma Motorcycle Insurance Requirements

Do you plan on riding a motorcycle in the state of Oklahoma? If so, you will need to first establish financial responsibility. Establishing responsibility is necessary so that if you are involved in an accident, you’ll have adequate financial support to pay for damages that you cause. Nobody ever thinks that they will be involved in an accident, but they are fairly common. In order to keep the roads as safe and as fair as possible, the state requires that you first establish financial responsibility before you ride your motorcycle.

How to Establish Financial Responsibility in OK

Financial responsibility can be established a number of different ways. Perhaps the most common method to establish responsibility is by purchasing liability coverage from a licensed provider. For individuals that would rather not go the route of liability coverage, there are alternatives. Below is a full list of options that you’ll have to establish financial responsibility.

  • Liability Insurance: Purchase a liability policy from an insurance carrier licensed to sell coverage in this state.
  • Oklahoma Automobile Insurance Plan: This was a plan created in 1950 and can be used to obtain coverage if you are turned down by major insurers due to your level of risk.
  • Self-Insurance Policy: Residents with 25+ vehicles registered under their name are allowed to obtain a self-insurance policy. This is aimed at owners of vehicle fleets and businesses.
  • Monetary Deposit: You are allowed to make a deposit of $75,000 with the Department of Public Safety.
  • Surety Bond: You have the option of obtaining a bond through a state-licensed surety company.

Motorcycles / Two-Wheeled Vehicles Defined

Before you ride your 2-wheeled vehicle, it is important to know its proper classification. Most people understand what distinguishes a motorcycle from a moped and/or motor scooter, but in case you are confused, the state’s definitions are included below. If you have further questions or need additional assistance, contact the Oklahoma Department of Public Safety at the following number: (405) 425-2424. They have trained representatives available that will help assist you with your concerns.

  • Motorcycle: Any motor vehicle with a seat or saddle for the use of the driver that travels on not more than 3 wheels in contact with the ground. Definition does NOT include tractors. Engine typically exceeds 150 cc displacement.
  • Moped: Any vehicle with fully operative pedals for propulsion by human power. It must not have manual shifting (i.e. must be fully automatic) and must not exceed 50 cc engine displacement or 30 mph top speed.
  • Motorized Scooter: Any vehicle with foot support or a seat for the driver that does not exceed 25 mph or 35 cc engine displacement. The engine may be gas or electric powered.

Note: All of the vehicles above will require proper licensing, registration, as well as insurance.

Oklahoma Motorcycle Insurance Minimum Requirements

Below are the minimum requirements that must be fulfilled before you drive in the state of Oklahoma. As you can see, you will need to get a “25/50/25” policy to meet the minimums.

Liability Insurance:

  • $25,000 bodily injury per person

  • $50,000 bodily injury per accident

  • $25,000 property damage per accident

It is important to realize that the above amounts are only the minimums. You may want to purchase added protection and/or increase your coverage levels to be better insured. In the event you are “at-fault” for a moderate or severe accident, the cost of damage may exceed the minimums. If you have a minimalist policy, you may end up having to pay the rest from your personal savings. Always be smart and purchase enough coverage to make you feel comfortable as a driver.

Oklahoma Motorcycle Laws: Safety & Licensing Requirements

Each state has specific rules and guidelines that must be followed by motorcyclists. Before you drive, you should understand whether you need to wear a helmet, protective eye-wear, use headlights during the daytime, and what type of licensing is necessary to operate your vehicle.

  • Helmets: All drivers and passengers under the age of 18 must wear helmets. All passengers (regardless of age) must wear helmets if the driver is under 18 years of age. Helmets must be in compliance with the FMVSS 218 standard.
  • Eye Protection: You are required to use official eye protection while driving in Oklahoma.
  • Headlights: All drivers are required to use headlights in the daytime for increased visibility and personal safety.
  • License: You must obtain an official Motorcycle License or Endorsement on your driver’s license to drive in this state. In order to get a license, you need to pass a knowledge test, skills (road) test, and vision test.

Proof of Insurance / Financial Responsibility in OK

The state of Oklahoma has implemented an online insurance verification system. This system allows law enforcement to verify your coverage. When you purchase an insurance policy, your provider should send the state information so that you are in the system. However, the system is only used to “verify” and is not sufficient proof – you still need to carry proof at all times. Below are acceptable forms of proof.

  • Insurance Card: If you purchased liability coverage from a major insurer, you will be issued an insurance identification card. This contains policy information that links coverage to your specific vehicle and name.
  • Certificate: If you obtained a surety bond, made a monetary deposit with the state, or have self-insurance, you should be issued proper certification.

If you are pulled over, but don’t have any proof of responsibility or insurance, you will face various legal consequences. You must always carry proof while driving in case an officer wants to see proof and/or you are involved in an accident.

Penalties for Driving Without Insurance in OK

If you think you won’t get caught riding your motorcycle without insurance, think again. All it takes is for you to get into one small accident or a police officer to ask to see your insurance. If you don’t have sufficient insurance or proof, you will be fined, get your license suspended, and/or have to serve time in jail.

  • Citations: You will be issued an automatic citation for driving without insurance.
  • Suspensions: Your driver’s license as well as your vehicle’s registration will be suspended.
  • Impounded Vehicle: Police officers have the right to impound your vehicle until you have served a suspension period, gotten insurance, and paid reinstatement fees.
  • Jail Sentence: You may end up having to spend time in jail for riding without insurance.
  • Reinstatement Fees: You will be expected to pay various fees to get your license and registration reinstated once you have served a suspension period.

Note: All of the penalties above can be avoided by maintaining a valid insurance policy.

Oklahoma Motorcycle Insurance Companies

In order to get the best deal on an insurance policy, you will need to compare available companies in your state. By using the Zip Code form below (or at the top), you will be able to find the leading providers in your specific location. From the list of providers, all you need to do is collect quotes and compare the quotes with the amount of coverage. Take the time to determine the company that is offering you the best overall deal for a policy.

If you need further assistance with choosing an insurance provider, you can read various company reviews on this website. All reviews are unbiased and written solely to help you (the consumer) find the most reliable company for your coverage. Once you finally settle on a policy, you will be able to cruise through the Sooner State on your motorcycle!

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