Uninsured Motorist Coverage in Oklahoma—What You Need to Know

Oklahoma has one of the highest rates of uninsured drivers in the country. If you’re hit by a driver with no insurance—or the victim of a hit-and-run—uninsured motorist (UM) coverage can help pay for injuries to you and your passengers.


UM coverage is required to be offered with every Oklahoma auto policy, but you can reject it in writing. We recommend understanding what UM really does, when it applies, and how to choose limits that fit your household’s real risks.

Questions about UM coverage or your current policy?

What Does Uninsured Motorist Coverage Pay For?

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Bodily Injury

Covers medical expenses, pain and suffering, and lost wages for you and your passengers if you’re injured by a driver with no insurance, not enough insurance, or a hit-and-run.

Underinsured Motorist

Pays when the at-fault driver’s liability limits aren’t enough to cover your injuries.

Note: UM coverage does NOT pay for damage to your vehicle (use collision coverage for that). It is strictly for bodily injury. See OID’s UM guidance for full details.

UM vs Collision vs Liability—What’s the Difference?

UM (Uninsured/Underinsured Motorist)

Pays for bodily injury to you and your passengers when the at-fault driver has little or no insurance.

Collision Coverage

Collision coverage helps pay for damage to your vehicle resulting from a covered collision with another vehicle or object, subject to your deductible.

Liability Coverage

Pays for injuries and damages you cause to others.

Many people assume UM will fix their car—it does not. For vehicle repairs, you need collision coverage.

What Limits Can I Buy?

  • Oklahoma law requires insurers to offer a minimum of $25,000 per person / $50,000 per accident (25/50), but you may select higher limits up to your policy’s liability limit.


  • Higher UM limits provide greater protection—especially for families and high-mileage drivers.

We help you compare limit options and explain what fits your budget and exposure.

A dark car and a light-colored car with its hood popped open are involved in a head-on collision on a road.

Frequently Asked Questions

  • Is uninsured motorist coverage required in Oklahoma?

    No, but it must be offered with every policy. You may reject it in writing.

  • Does UM cover my car if it’s totaled by an uninsured driver?

    No. UM only pays for injuries to people. Vehicle damage is handled by collision coverage.

  • What happens if the at-fault driver has some insurance, but not enough?

    Underinsured motorist (UIM) coverage pays the difference, up to your UM/UIM limit.

  • Can I buy higher limits?

    Yes—limits up to your policy’s liability amount are available. Higher is often better for protecting your household.

  • What is “stacking” of UM in Oklahoma?

    Stacking means combining UM coverage for more than one insured vehicle on your policy, increasing your available protection.

Still have questions? Call Conway Insurance or request a quote online.
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Don’t Leave Your Household Exposed to Uninsured or Hit-and-Run Drivers

Call our Midwest City or Edmond office for clear answers and help structuring your auto insurance:


Midwest City Office: (405) 733-2886
Edmond Office:(405) 245-1484