Chris Hammons | July 29, 2025 | Motorcycle Accidents
Riding a motorcycle can be an exciting and fun way to get around. But before you hit the road in Oklahoma, it’s important to understand your legal responsibilities, including motorcycle insurance.
Like other states, Oklahoma has laws that require certain types of insurance coverage for motorcycle riders. Knowing what kind of insurance you need can help you stay safe and avoid serious financial problems in case of an accident.
Oklahoma’s Insurance Requirements for Motorcyclists
Motorcycle insurance is required by law in Oklahoma. Just like car owners, motorcycle riders must carry liability insurance. This type of insurance helps pay for injuries or damage you cause to others in an accident. It does not cover your own injuries or damage to your motorcycle.
Oklahoma law requires minimum liability coverage that includes:
- $25,000 for bodily injury per person
- $50,000 for total bodily injury per accident
- $25,000 for property damage
If you ride without insurance, you can face fines, lose your motorcycle registration, or even go to jail. It’s not worth the risk. Always make sure your insurance is up to date before riding.
Why Liability Insurance May Not Be Enough
While liability insurance is the minimum required, it may not be enough to protect you fully. Motorcycle accidents can cause serious injuries and expensive damage. If you are in a crash and the costs exceed your liability limits, you may have to pay the difference out of pocket.
Also, liability insurance does not cover your own medical bills or bike repairs if the accident is your fault. To stay better protected, many riders choose to add extra coverage options.
Types of Optional Motorcycle Insurance Coverage
You can choose from several types of additional coverage that offer more protection.
While these are not required by law, they can help cover unexpected expenses if you’re in an accident.
- Collision coverage: helps pay for repairs or replacement of your motorcycle if you’re in a crash, no matter who is at fault.
- Comprehensive coverage: protects your motorcycle from non-collision events like theft, fire, vandalism, or weather damage.
- Uninsured/underinsured motorist overage (UM/UIM): covers your medical bills and property damage if you’re hit by a driver who doesn’t have enough (or any) insurance. This is especially important since not all drivers follow the law.
- Medical payments overage: helps pay for your medical bills after an accident, even if you were at fault.
Adding these optional coverages gives you peace of mind and helps reduce financial stress if something goes wrong.
What Happens if You Ride Without Insurance?
Riding without motorcycle insurance in Oklahoma is a serious offense. If you’re caught, the state can suspend your license, impound your motorcycle, and issue fines.
If you’re in an accident and don’t have insurance, you may be held personally responsible for all damages. This can include medical bills, repair costs, and even lawsuits. One crash without insurance could lead to thousands of dollars in debt.
Always carry proof of insurance when riding. Oklahoma law requires you to show it during traffic stops or after an accident.
How to Choose the Right Insurance Policy
Choosing the right motorcycle insurance policy depends on your needs, your budget, and how often you ride. A good policy should offer the protection you need without costing too much.
Start by asking yourself:
- Do you ride your motorcycle every day or just on weekends?
- Can you afford to replace or repair your bike without insurance?
- Do you want help covering medical bills if you’re injured?
Talk to an insurance agent about your options. They can help you find a policy that fits your lifestyle and meets Oklahoma’s legal requirements. Make sure to shop around and compare prices from different companies.
Contact Our Motorcycle Accident Lawyers at Laird Hammons Laird Trial Lawyers for a Free Consultation
Motorcycle insurance in Oklahoma is not just a legal requirement—it’s a smart way to protect yourself, your bike, and your future. Riding without insurance puts you at risk of legal trouble and serious financial loss. Even the minimum required coverage may not be enough if an accident happens.
If you’re unsure what type of coverage you need, talk to a trusted insurance agent or one of our Oklahoma City motorcycle accident attorneys. They can help guide you through your options and make sure you’re fully protected before you get on the road.
For more information, please contact an experienced motorcycle accident lawyer at Laird Hammons Laird Personal Injury Lawyers to schedule a free initial consultation today. Our law office is located in Oklahoma City.
We proudly serve Oklahoma County, OK and its surrounding areas:
Laird Hammons Laird Personal Injury Lawyers – OKC
1332 SW 89th St,
Oklahoma City, OK 73159
(405) 703-4567