Liability insurance minimums — Oklahoma Permit Test

Liability insurance minimums on the Oklahoma permit test — 4 rules, each with the reason behind it and a question on it while it is fresh.

The rules

Oklahoma's minimum liability coverage is $25,000 for injury or death of one person.

A serious injury costs a lot, and the minimum makes sure there is some money to pay the person hurt.

$25,000 for injury or death of one person

Oklahoma Driver Manual, p.72

Oklahoma's minimum liability coverage is $50,000 for injury or death of two or more persons.

A crash that hurts several people costs more, so the minimum is higher when more than one is hurt.

$50,000 for injury or death of two or more persons

Oklahoma Driver Manual, p.72

Oklahoma's minimum liability coverage is $25,000 for property damage.

Cars, fences and buildings you damage cost money to fix, and the owner should not have to pay for your crash.

$25,000 for property damage

Oklahoma Driver Manual, p.72

All of Oklahoma's minimum liability limits are per accident.

Each crash is covered up to the limits, so every collision has money behind it.

All the minimum liability limits are per accident.

Oklahoma Driver Manual, p.72

On the test

What is Oklahoma's minimum liability coverage for injury or death of one person?

$25,000. A serious injury costs a lot, and the minimum makes sure there is some money to pay the person hurt. Oklahoma Driver Manual, p.72: “$25,000 for injury or death of one person”

How this works

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Where these come from

Every rule here is checked against Oklahoma Driver Manual, published by the Oklahoma Office of Management and Enterprise Services, and against the state code itself. Last checked 2026-10-04.