Oklahoma SR-22 Insurance
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UPDATED: Nov 2, 2020
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What is Oklahoma SR-22 Insurance?
An SR-22 car insurance certificate, or financial responsibility insurance form, is a document carried by a motorist as proof that he is financially responsible for carrying the minimum required amount of car insurance mandated by law for the state in which they drive.
Six major factors affect car insurance rates in Oklahoma. Which auto insurance factors will affect SR-22 rates the most? Typically that’s a OK DUI.
Who Needs SR-22 Insurance in Oklahoma?
An SR-22 car insurance form must be filed by drivers whose driving privileges have been suspended or revoked for reasons such as DUI/DWI convictions, traffic violations or driving while uninsured. Failure to carry liability insurance or file a SR-22 will result in a $500 fine and suspension or your drivers’ license and registration.
Are There Different Types of SR-22 Forms?
Typically, there are three different types of SR-22 car insurance forms: Operator, Owner and Operator-Owner. Operator’s SR-22 insurance covers drivers that operate but do not own a car. Owner’s SR-22 insurance covers drivers that own and operate a car. Operator’s-Owner’s SR-22 insurance covers all vehicles owned or not owned by a driver.
Is SR-22 Car Insurance Required in Oklahoma?
Drivers in the state of Oklahoma must carry liability insurance, but filing of a Oklahoma SR-22 car insurance form is not a state requirement. Drivers who are required to file a SR-22 in another state should do so according to that state’s insurance laws. Suspension of your driver’s license in another state could result in the loss of driving privileges in the state of Oklahoma.
How Do I File a SR-22 Car Insurance Form?
If you live in another state besides Oklahoma, SR-22 car insurance forms are usually filed by your insurer. You will have to pay a processing fee, which varies among agencies. You can go online to request a free SR-22 auto insurance quote from state-authorized agencies in your area. Your insurer will forward the SR-22 car insurance form to you once your filing is accepted by the state. You must maintain the Oklahoma SR-22 insurance form for one to three years, depending on the insurer, and renewed in a timely manner. If your SR-22 lapses, the insurer must notify the State. Your driving record is then suspended until the SR-22 auto insurance form is reinstated.