Cheapest SR-22 Car Insurance in Oklahoma: 2026 Rates and Requirements

Find the cheapest SR-22 car insurance in Oklahoma. Progressive starts at $65 per month. Compare rates by violation, city and coverage level to reinstate your license.

Written by Mark Fitzpatrick

Updated: May 7, 2026

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Key Takeaways

For Oklahoma drivers who need SR-22 coverage, Progressive has the lowest rates, averaging $65 a month for minimum coverage across all SR-22 violation types.

A DUI triggers Oklahoma's steepest SR-22 premiums. Drivers with that violation pay around $78 a month for state minimum coverage, the highest rate among common violation types in the state.

Oklahoma SR-22 drivers must keep continuous coverage for three years. Any lapse resets the filing period from scratch and adds a $125 DPS reinstatement fee.

Cheapest SR-22 Insurance in Oklahoma

Progressive is the cheapest SR-22 insurer in Oklahoma at $65 per month for minimum coverage, $9 per month less than GEICO at $74 per month. Oklahoma drivers with a clean record pay $55 per month for state minimum coverage. An SR-22 requirement adds $10 per month, an 18% increase over the clean-record average, one of the smallest SR-22 surcharges in this series.

Progressive's $65 monthly rate is the lowest starting point for minimum coverage in Oklahoma. Drivers with financed vehicles need full coverage car insurance in Oklajoma, where Progressive also leads at $161 per month. Poor credit adds to SR-22 costs; drivers in that situation should also compare car insurance rates for bad credit.


Progressive	$65	$161	30%
Geico	$74	$167	26%
State Farm	$85	$214	7%
Farmers	$141	$274	28%
Allstate	$148	$288	35%

Cheapest SR-22 by Violation in Oklahoma

Progressive is the cheapest SR-22 provider across all violation categories in Oklahoma. Speeding ticket holders pay the least at $66 per month for state minimum coverage; DUI convictions carry the highest rate at $78, a $12 monthly gap. Rates after a DUI vary more by insurer than any other violation type, making it worth comparing car insurance after a DUI separately.


Drivers With DUI	Progressive	$78	$192	22%
Drivers With At-Fault Accident	Progressive	$75	$183	20%
Drivers With Speeding Ticket	Progressive	$66	$165	24%
Drivers With Other Violations	Progressive	$65	$161	24%

Cheapest SR-22 Insurance in Oklahoma by City

Oklahoma City has the lowest SR-22 minimum coverage rate in the state at $65 per month; Lawton is the most expensive at $75, a $10 monthly gap. Progressive leads in most Oklahoma cities, Oklahoma City, Tulsa and Norman, while GEICO takes the lowest rate in Broken Arrow at $72. Rates shift by ZIP code, so drivers outside these cities should check the cheapest car insurance in Oklahoma for a more precise estimate.


Oklahoma City	Progressive	$65	$161	24%
Tulsa	Progressive	$68	$165	22%
Norman	Progressive	$70	$168	20%
Broken Arrow	Geico	$72	$169	18%
Lawton	Progressive	$75	$172	16%

Best SR-22 Insurance Companies in Oklahoma

Progressive earns the top ranking for SR-22 insurance in Oklahoma based on affordability, with the lowest rates across all violation types and ZIP codes in the state. That statewide consistency matters most for drivers in smaller markets, where carrier options narrow quickly.

GEICO ranks second and leads on coverage breadth among SR-22 insurers in Oklahoma, making it the better fit for drivers with a financed vehicle who need full coverage with their filing. Both rank well beyond SR-22 contexts, too; see how they compare in the best car insurance in Oklahoma and among the best car insurance companies overall.


Progressive	4.2	4.8	3.9	3.9
Geico	4.05	4.5	4.1	3.65
State Farm	3.85	4	3.8	3.75
Farmers	3.4	3	3.6	3.6
Allstate	3.2	2.8	3.5	3.3

Top Pick for Cheapest SR-22 Rates in Oklahoma

Progressive

Progressive offers the cheapest SR-22 insurance in Oklahoma at $65 per month for state minimum coverage, making it the top choice for drivers who need to reinstate their license without overpaying. Progressive's NAIC complaint ratio of 0.72 is below the national median of 1.00, indicating fewer customer complaints than average. Our research found Progressive's Snapshot telematics program consistently cited by Oklahoma reviewers as a concrete path to lower rates after a violation, with SR-22 drivers reporting meaningful savings at renewal. Progressive holds an AM Best financial strength rating of A+ (Superior).

Top Pick for SR-22 Coverage in Oklahoma

GEICO

GEICO provides SR-22 insurance in Oklahoma starting at $74 per month for state minimum coverage, with a coverage score that leads all SR-22 insurers in the state, making it the right pick for drivers with a financed vehicle who need broader protection alongside their filing requirement. GEICO's NAIC complaint ratio of 0.79 is below the national median of 1.00, reflecting fewer complaints than average relative to its market share. Our research found GEICO's online SR-22 filing process consistently described as fast and straightforward, with certificates submitted to Oklahoma DPS within 24 to 48 hours of policy inception. GEICO carries an AM Best rating of A++ (Superior), the highest available financial strength designation.

How Much Is SR-22 Insurance in Oklahoma?

Oklahoma drivers with a DUI conviction pay an average of $78 per month for SR-22 state minimum coverage, compared to $55 per month for drivers with a clean record, a 42% increase driven by the SR-22 filing requirement and the elevated risk profile. Other violations carry lower SR-22 rates: speeding convictions average $66 per month and texting-while-driving convictions average $67 per month. Use the average cost of car insurance in Oklahoma guide to see how SR-22 rates compare to standard premiums, or run your own numbers with the car insurance calculator Oklahoma.

Data filtered by:


DUI - BAC >= .08	State Minimum Liability Only	$78	$936	No Data
At Fault Accident ($1000-$1999 Prop Dmg)	State Minimum Liability Only	$75	$900	No Data
Texting While Driving	State Minimum Liability Only	$67	$805	No Data
Speeding 11-15 MPH over limit	State Minimum Liability Only	$66	$787	No Data

SR-22 FILING FEE IN OKLAHOMA

Oklahoma insurers charge a one-time filing fee to submit your SR-22 to the Oklahoma Department of Public Safety (DPS). Fees usually cost $15 to $25. This fee is separate from your insurance premium and from the DPS reinstatement fee, which varies by violation type.

Oklahoma SR-22 Insurance Requirements

An SR-22 is a certificate of financial responsibility, not an insurance policy, that your insurer files with the Oklahoma Department of Public Safety (DPS) to confirm you carry at least the state minimum liability coverage. Oklahoma requires most drivers with serious violations, including DUIs, reckless driving convictions, and license suspensions, to maintain continuous SR-22 coverage for three years from the date of conviction. Unlike some states, Oklahoma does not use an FR-44 certificate; the SR-22 is the only financial responsibility filing required.

If your coverage lapses at any point during the three-year period, your license is suspended immediately and the SR-22 clock resets to zero, requiring you to pay the $125 Oklahoma DPS reinstatement fee and start the filing period over. Drivers who do not own a vehicle can still meet the requirement through non-owner SR-22 insurance, which covers any non-owned vehicle you drive while keeping your license valid.

Oklahoma Minimum Liability Limits

Oklahoma requires all SR-22 drivers to carry at least the state minimum liability limits, 25/50/25 coverage, to reinstate a suspended license.

$25,000 Bodily Injury per Person

This limit covers medical expenses, lost wages and other injury-related costs for a single person injured in an accident you cause. It applies each time one individual is harmed, up to $25,000 per claimant.

$50,000 Bodily Injury per Accident

This is the maximum your insurer will pay for all bodily injury claims arising from a single accident you cause. If multiple people are injured, the $50,000 cap is shared across all claimants regardless of how many individuals are involved.

$25,000 Property Damage

This limit covers damage you cause to another person's vehicle or property in an at-fault accident. Oklahoma's $25,000 property damage minimum is on par with the national average, though it may fall short of covering newer vehicles that exceed this value.

SR-22 Filing Types in Oklahoma

Oklahoma issues two types of SR-22 certificates. The type you need depends on whether you own the vehicle you are insuring.

Owners Certificate

For drivers who own the vehicle they are insuring. This is the standard SR-22 filed with Oklahoma Department of Public Safety (DPS) when you have your own car and need to reinstate your license.

Operators Certificate

A non-owner SR-22 for drivers who don't own a vehicle. Filed with Oklahoma Department of Public Safety (DPS), it covers any non-owned vehicle you drive.

SR-22 Fees, Lapse Rules and Filing Process

Oklahoma's $125 reinstatement fee is the highest in this series, tied with Nebraska. Progressive's sweep of every violation category makes it the most consistent starting point for Oklahoma SR-22 drivers regardless of violation type.

SR-22 Filing Fee

$15 to $25, one-time fee charged by your insurer at policy inception. This is separate from your premium and from the $125 Oklahoma Department of Public Safety (DPS) reinstatement fee.

Coverage Lapse Consequences

If your coverage lapses, your license is suspended immediately. There is no grace period. The three-year SR-22 clock restarts from scratch, and a new SR-22 plus the $125 reinstatement fee is required before your license can be reinstated.

Filing Process

Your insurer files the SR-22 electronically with the Oklahoma Department of Public Safety (DPS). The certificate is submitted within 24 to 48 hours. The Oklahoma Department of Public Safety confirms receipt within three to five business days.

WHAT TO DO IF INSURERS DENY YOU COVERAGE

If two or more standard market insurers have denied you coverage, you may qualify for the Oklahoma Automobile Insurance Plan (OKAIP), the state's assigned-risk insurer. OKAIP provides 25/50/25 state minimum liability coverage through any licensed Oklahoma insurance agent; rates are higher than those in the voluntary market. Drivers who qualify often overlap with those searching for low-income car insurance in Oklahoma.

SR-22 Insurance in Oklahoma: Bottom Line

Progressive is the cheapest SR-22 insurer in Oklahoma at $65 per month for state minimum coverage across all violation categories. Drivers who want broader coverage with their filing should look at GEICO at $74 per month, which leads on coverage breadth among ranked providers. Before your three-year SR-22 period ends, confirm with your insurer and Oklahoma DPS that the filing has been officially released. Don't assume it expires automatically. Without the SR-22 surcharge, the cheapest car insurance in Oklahoma rates drop noticeably for most violation types.

Frequently Asked Questions About SR-22 Insurance in Oklahoma

What is SR-22 insurance in Oklahoma?

SR-22 insurance in Oklahoma isn't a separate policy. It's a certificate of financial responsibility your insurer files with the Oklahoma Department of Public Safety (DPS) to prove you carry at least 25/50/25 state minimum coverage. Oklahoma requires one after serious violations: DUIs, reckless driving, driving without insurance or license suspension. You must maintain it continuously for three years from the conviction date. Let coverage lapse and your license is suspended immediately, with the clock reset to zero.

How much does SR-22 insurance cost in Oklahoma after a DUI?

Oklahoma drivers with a DUI conviction pay an average of $78 per month for state minimum SR-22 coverage or $936 per year, $23 more per month than the clean-record average of $55. Rates vary by insurer: Progressive offers the lowest DUI SR-22 rate in Oklahoma among standard market providers. Shopping multiple providers is the most direct way to cut your monthly cost while meeting the SR-22 requirement.

How long do I need SR-22 insurance in Oklahoma?

Oklahoma requires SR-22 drivers to maintain continuous coverage for three years from the conviction date. There's no grace period. A single day's lapse suspends your license immediately and resets the three-year clock to zero. You'll also need to file a new SR-22 and pay the $125 reinstatement fee to Oklahoma DPS before getting your license back. Once the three years are up, contact your insurer to confirm the SR-22 has been officially released. Don't assume it expires automatically.

Does my credit score affect my SR-22 insurance rate in Oklahoma?

Yes. Oklahoma allows insurers to use credit-based insurance scores as a pricing factor, so SR-22 drivers with poor credit pay more than those with good credit for the same violation and coverage level. California restricts credit scoring in auto insurance pricing under Proposition 103, Oklahoma doesn't. Comparing quotes from multiple insurers matters because each company weighs credit differently. Improving your credit score during the SR-22 period can bring real rate reductions at renewal.

How much does it cost to file an SR-22 in Oklahoma?

Oklahoma insurers charge a one-time SR-22 filing fee of $15 to $25 at policy inception, separate from your monthly premium and from the $125 DPS reinstatement fee. You pay it directly to your insurer; it covers the cost of electronically submitting the SR-22 to Oklahoma DPS. You won't pay it again unless your coverage lapses and you need to refile.

What if no insurer will cover me for SR-22 in Oklahoma?

If two or more standard market insurers have denied you SR-22 coverage, you may qualify for the Oklahoma Automobile Insurance Plan (OKAIP), the state's assigned-risk insurer. OKAIP provides 25/50/25 state minimum liability coverage to drivers who can't get coverage in the voluntary market. Apply through any licensed Oklahoma insurance agent. You can't go directly to OKAIP. Rates run higher than the voluntary market, but the coverage satisfies the SR-22 requirement. Once your record improves, re-shop the standard market.

MoneyGeek analyzed SR-22 insurance rates sourced from Quadrant Information Services for Oklahoma drivers across multiple cities and violation categories. The baseline rate profile is a 40-year-old male driver with good credit, a qualifying SR-22 violation and a 2012 Toyota Camry LE driving 12,000 miles annually. Coverage levels analyzed include state minimum liability (25/50/25) and full coverage (100/300/100 with a $1,000 deductible).

Provider scores reflect a composite MoneyGeek score out of 5, weighted across three dimensions: Affordability (premium competitiveness from Quadrant data), Coverage (breadth of available endorsements and coverage options), and Customer Experience (NAIC complaint ratios, AM Best financial strength ratings, J.D. Power auto insurance satisfaction scores, and Apple App Store and Google Play ratings). USAA is excluded from general rankings because its eligibility is limited to military members, veterans and their families.

Learn more about our methodology.

Rate data used in this analysis was sourced from Quadrant Information Services and reflects premiums as of early 2025. MoneyGeek updates SR-22 rate data periodically to reflect current market conditions. Individual rates may vary based on insurer, location, violation history, and credit profile.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.

Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!

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