Oklahoma motorcycle insurance

Illustration of an Eastern collared lizard in the Wichita MountainsIllustration of an Eastern collared lizard in the Wichita Mountains

Oklahoma is a motorcycle rider’s paradise with expansive highways, wide open plains, and forests that cover nearly a quarter of the state. Preparation is a part of every journey, so be sure to review the Sooner State’s rules of the road and secure a motorcycle insurance policy before you get started.

What’s required of all motorcycle riders in Oklahoma?

To legally operate a motorcycle in Oklahoma, you need a motorcycle license. If you already have a driver’s license for a car, you can add a motorcycle endorsement by taking vision, knowledge, and skills tests.

Here are the motorcycle riding requirements established by the Oklahoma Highway Safety Office:

  • Age: To hold a motorcycle license or endorsement, you must be at least 16 years old. If you’re under 16, you can apply for a motorcycle permit, which can be upgraded to a license when you turn 16 and pass the required tests.

  • Passengers: You must be at least 16 to carry a passenger on your motorcycle. The motorcycle’s wheels must be at least 12 inches in diameter, and your bike must have a permanent double-seating device with double footrests. Alternatively, the motorcycle can have an attached sidecar with seating space.

  • Rear-view mirrors: Your motorcycle must have two mirrors, no less than three inches in diameter each.

  • Helmet law: Riders under 18 must wear a helmet, and riders of all ages are encouraged to wear helmets. Find the motorcycle helmet type that’s right for you.

  • Eye protection: If your motorcycle doesn’t have an attached windscreen, you need to wear goggles or a face shield when riding.

  • Lights: Your headlight must give off white light and always be turned on whenever you operate your motorcycle, even during the day. You also need one red taillight that’s visible from 1,000 feet.

  • Handlebars: The handlebars can’t be higher than your eye level when sitting on the bike.

  • Additional equipment requirements: Your motorcycle must also have a speedometer, a fender over each wheel, a horn, and a muffler.

What are the motorcycle insurance requirements in Oklahoma?

To get a motorcycle permit, you need to show proof of financial responsibility. One of the easiest and least expensive ways to do this is to have motorcycle insurance. You’re required to carry the following minimum motorcycle insurance coverage limits to ride legally in Oklahoma:

  • $25,000 for bodily injury liability or death of one person

  • $50,000 for bodily injury liability or death of two or more individuals

  • $25,000 for property damage liability per accident

Keep in mind, these are just the minimum required coverage limits. If you’re involved in an accident and your expenses exceed these limits, chances are you’ll be personally responsible for paying the remainder out of pocket. By choosing higher motorcycle insurance limits, you can help reduce this risk.

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Have you reviewed your insurance lately?

Learn what you could be missing out on, and why it’s a good idea to review your motorcycle insurance regularly.

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Are optional motorcycle insurance coverages available in Oklahoma?

Yes. This is important to know because Oklahoma is an at-fault state. This means the person considered to be at fault in an accident is responsible for paying the other motorist’s injuries.

But what if the other motorist is at fault and uninsured? If you only have minimum insurance coverage, it may not provide enough protection to pay for all your expenses. In situations like this, having additional optional coverages on your policy can help protect you from a significant financial burden.

Uninsured motorist (UM) coverage (you’ll have to sign a form to opt out)

Nearly 14 percent of Oklahoma motorists are uninsured—one of the highest rates in the country. This means your chances of being hit by someone who doesn’t have insurance are roughly one in seven. This is where UM coverage can be valuable. It can help cover the costs of your bodily injuries and other expenses if an uninsured driver hits you.

Medical payments coverage

It’s an unfortunate reality that hospital visits are usually pretty expensive. This optional coverage can help pay for your medical bills and your passenger’s medical bills—plus any related fees—following a covered accident.

Comprehensive coverage

Comprehensive motorcycle insurance coverage can help pay for repairs to your bike if it’s damaged by something other than a collision. This may include theft, vandalism, hail, and even animals.

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Wondering how insurance rates are determined?

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Oklahoma motorcycle insurance discounts

To help you find value in your coverage, we offer a range of motorcycle insurance discounts in Oklahoma, including:

  • Multi-vehicle

  • Homeowner

  • Harley Owners Group (H.O.G.) member

  • Loyalty

  • Rider group

  • Operator safety course

  • Transfer

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How to get a motorcycle insurance quote

Insurance quotes are quick and free. You’ll just need to:

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Have your bike’s year, make, model, and vehicle identification number (VIN) on hand.

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Answer some additional questions about your bike (e.g. customizations, where it’s kept, whether you’ve taken a rider safety course, etc.).

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Select the coverages you want.

Sites to see in Oklahoma

The Sooner State has it all—history, scenery, and miles and miles of open road. Here are a few great attractions to get you started on your motorcycle adventure:

Talimena National Scenic Byway

Talimena National Scenic Byway is known as one of the best motorcycle rides in southeast Oklahoma. If you’re in the mood for rolling hills and gentle curves, you’ll love this 54-mile stretch.

OK-20 through Claremore and Spavinaw

If you’re an experienced rider looking for a challenge, take a trip on rugged, winding Oklahoma Highway 20. Ride through Rogers and Mayes County and into the heart of Green County. On this route, you can visit Will Rogers Memorial Museum before taking a break at Grand Lake State Park.

Route 66 west through El Reno and Weatherford

To experience the open prairie of western Oklahoma, start in Oklahoma City and go west on Route 66 to El Reno. Make a stop here to try a world-famous fried onion burger. Then continue west to see some Route 66 history at Lucille’s Service Station near Hydro.

Get an Oklahoma motorcycle insurance quote

Make the most of your Oklahoma road trip—and ride legally—by protecting yourself with motorcycle insurance. Enter your information below to start a quote online or call us at 866-324-7952.

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