Oklahoma Motorcycle Insurance

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The state of Oklahoma requires that all riders be able to show proof of financial responsibility at all times. The least expensive way to do so is to purchase motorcycle insurance. A rider must be able to show proof of insurance when requested by a law enforcement official.

On top of requiring proof of financial responsibility, Oklahoma is an ”at fault” insurance state. If you are at fault in an accident and do not have coverage, you can be sued, fined, and/or incarcerated. Let’s have a look at motorcycle insurance issues in Oklahoma, how the state defines a motorcycle for law enforcement and insurance purposes, some of the required equipment to make your bike street legal, as well as the coverage levels and types you may need.

Oklahoma Motorcycle Insurance Requirements

According to Oklahoma motorcycle insurance law, a rider must carry a liability policy with the following minimum limits:

  • $25,000 for death or bodily injury to one person.
  • $50,000 for death or bodily injury to two or more persons.
  • $25,000 for damage or destruction of property.

On the surface ,those limits seem quite high, but when you consider the cost of a single night in the hospital or an E.R. visit with ambulance bills, they fall short.

Additional Coverage for Oklahoma Riders

The minimum coverage limits in the Sooner State will adequately cover a minor accident, but a rider may be surprised by how low the limits are after a major incident. What’s more, they only cover your liability–there’s no protection for your bike itself from a collision or other mishap.

  • Collision coverage: this protection covers your bike in an accident under nearly every circumstance. It may or may not include uninsured/under-insured coverage.
  • Uninsured/under-insured motorist coverage: at any given time nearly 26 percent of the motorists in Oklahoma do not have insurance in place. That is the highest rate in the United States! With that many uninsured drivers you can see why you desperately need this type of coverage. As if worrying about uninsured drivers isn’t enough, you must also be aware of under-insured drivers. An uninsured/under-insured motorist policy protects you in either case.
  • Comprehensive coverage: this protection covers items like fire, wind, water, theft, and vandalism.
  • Bodily injury coverage: this protection covers certain costs if you injure or kill someone in an at-fault accident. It also protects your passenger.
  • Medical payment coverage: this covers items such as prescription drug payments; dental care; medical co-payments and deductibles from other health coverage policies; home nursing care, or funeral expenses.

If your bike is highly-customized, we recommend looking into CPE coverage–Custom Parts and Equipment. We cover this coverage in detail in our discussion of custom motorcycle insurance.

Oklahoma Motorcycle Insurance Quotes

Insurance rates are notoriously difficult to estimate, mainly because they are based on a such a wide variety of factors:  make/model/year of bike, driving record, policy caps and coverages, location, even credit score.  Fortunately, we can help you compare rates before securing a new policy. Simply enter your zip code below, and you’ll be shown a list of major companies that insure bikes in your area. You can then enter some rider and motorcycle information and receive quotes.

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Oklahoma Motorcycle Law

Given the proliferation of scooters, mopeds, and small-displacement bikes, it’s important to know whether the state actually regards your bike as a motorcycle. In Oklahoma, a motorcycle is:

”Any motor vehicle having: a seat or saddle for the use of each rider; not more than three wheels in contact with the ground, but excluding a tractor; and a combustion engine with a piston or rotor displacement of 150 cc or greater.”

You and your bike must have certain equipment in order to be considered street legal in the Oklahoma. That equipment includes:

  • Eye protection: required unless equipped with a windscreen.
  • Handlebar height: no higher than eye level of the seated rider.
  • Helmet: required for all riders under the age of 18.
  • Mirrors: two required.
  • Turn Signals: required on all bikes manufactured after 2004.
  • Passenger Seat/Footrest: both are required if carrying a passenger. No restrictions on a passenger’s age.
  • Headlight: required, modulating daytime headlight approved.
  • Muffler: required to be in good working order and in constant operation. Noise can not exceed the limits of the manufacturer’s original equipment.
  • Safety Inspection: not required, but law enforcement may stop and require a rider to submit to inspection if a bike seems to be in disrepair.