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.
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.
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:
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.
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.
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.
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 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.
To help you find value in your coverage, we offer a range of motorcycle insurance discounts in Oklahoma, including:
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 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.
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.
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.
Make the most of your Oklahoma road trip—and ride legally—by protecting yourself with motorcycle insurance. Click the button below to start a quote online or call us at 866-324-7952.