Oklahoma: rules and deadlines at a glance

Every 11 topic we track for Oklahoma on one page. Open a topic for the details, the law it comes from and how Oklahoma compares.

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Car insurance by state · Claim deadlines · Small claims limits · Total loss rules · Dog bite rules · Shared fault rules · Accident reporting rules · Phone-while-driving laws · Motorcycle helmet laws · Uninsured drivers

General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply; open a topic for the details.

Filing deadlines (statute of limitations)

Personal injury	2 years
Property damage	2 years

Car insurance by state

Minimum liability	$25,000 / $50,000 / $25,000
Fault system	At-fault (the driver who caused it pays)
Shared-fault rule	Modified comparative: barred at 51% fault or more

Claim deadlines

Acknowledge	30 days (unless paid sooner)
Accept or deny	60 days after proof of loss (property and casualty)
Pay	Written offer or rejection within 60 days of proof of loss

Small claims limits Single detailed source

Dollar limit	$10,000
Filing fee	$45 up to $5,000; higher above
Lawyers	Allowed

Total loss rules

Total loss rule	60% of actual cash value

Dog bite rules Single detailed source

Rule	Strict liability
Details	Strict liability

Shared fault rules

Rule	Modified comparative negligence (51% bar)
When you are barred	Barred if you are 51% or more at fault

Accident reporting rules

Report required if	Death, injury, or over $500 damage
Deadline	Immediately; 6 months for property-only

Phone-while-driving laws Single detailed source

Handheld ban	Learner and intermediate drivers only
Texting ban	Yes, secondary

Motorcycle helmet laws Single detailed source

Law type	Partial
Who must wear one	Riders under 18

Uninsured drivers Single detailed source

Drivers uninsured	12.0%
UM/UIM coverage	Not required (insurers must offer it)