Oklahoma Insurance & Collisions practice test

Key Oklahoma facts: Insurance & Collisions

• Per accident, Oklahoma requires liability coverage of at least $25,000 for one person's injury or death, $50,000 for injury or death of two or more people, and $25,000 for property damage. Chapter 13, Financial Responsibility—Liability Insurance Requirements, p. 72
• Failing to comply with the compulsory insurance law can bring a fine of up to $250, up to 30 days in jail, or both, and suspension of the driving privilege. 47 O.S. § 7-606(A)(1)
• Making a counterfeit or fraudulent security verification form can be a felony; simply possessing one can bring a misdemeanor charge, a fine of up to $250 and a mandatory suspension. Chapter 3, Counterfeit or Fraudulent Security Verification, p. 16
• Anyone in a collision has to let the other driver and others involved see their insurance proof (security verification form). Chapter 3, Carry your proof of liability insurance, p. 16
• After a collision, note the other driver's insurance information, full name, license number and date of birth, for both driver and owner. Chapter 3, Carry your proof of liability insurance, p. 16

Sample Insurance & Collisions questions

What can making a counterfeit insurance verification form lead to in Oklahoma?

• A one-point penalty
• A parking ticket
• A felony conviction
• A warning only

Show the answer

A felony conviction

Even possessing a fake form can bring a misdemeanor charge, a fine of up to $250 and a mandatory suspension.

Source: Oklahoma Driver Manual, Chapter 3, Counterfeit or Fraudulent Security Verification, p. 16

What is Oklahoma's minimum liability coverage for property damage in one accident?

• $10,000
• $50,000
• $25,000
• $5,000

Show the answer

$25,000

Property damage coverage must be at least $25,000 per accident.

Source: Oklahoma Driver Manual, Chapter 13, Financial Responsibility—Liability Insurance Requirements, p. 72

What should you say about fault at a crash scene?

• Do not blame others or accept blame
• Admit fault right away
• Blame the other driver firmly
• Argue it out with them

Show the answer

Do not blame others or accept blame

Do not discuss the accident. Wait for officers and answer their questions truthfully.

Source: Oklahoma Driver Manual, Chapter 11, Your Responsibilities after a Crash, p. 63

You damage a fence and cannot find the owner. Which details should you leave?

• Only your phone number on a note
• Nothing at all, if the damage is small
• Names, addresses and insurance details
• Only the time and date of the crash

Show the answer

Names, addresses and insurance details

Leave the driver's and owner's names and addresses and the insurance verification information where the owner will find it.

Source: Oklahoma Driver Manual, Chapter 11, Your Responsibilities after a Crash, p. 63

After a crash, which lights does the Oklahoma manual tell you to turn on?

• Your interior light
• Your hazard lights
• Your fog lamps
• Your high beams

Show the answer

Your hazard lights

Stop, call 911 or police, and turn on your hazard lights.

Source: Oklahoma Driver Manual, Chapter 11, Your Responsibilities after a Crash, p. 63

Besides the other driver's insurance details, what does the Oklahoma manual suggest you write down after a collision?

• Only their home and work phone numbers
• Only the color and make of their car
• Their employer's name and work address
• Their name, license number and birth date

Show the answer

Their name, license number and birth date

Record these details for both the driver and the owner, for your own protection.

Source: Oklahoma Driver Manual, Chapter 3, Carry your proof of liability insurance, p. 16

After a collision in Oklahoma, who besides police must see your proof of liability insurance?

• Only your own insurance agent
• No one besides the officer
• Only a judge in court
• The other driver and people involved

Show the answer

The other driver and people involved

Carry the security verification form in your car so you can show it.

Source: Oklahoma Driver Manual, Chapter 3, Carry your proof of liability insurance, p. 16

What is the highest fine for violating Oklahoma's compulsory insurance law?

• $250
• $1,000
• $25
• $5,000

Show the answer

$250

A conviction can also bring up to 30 days in jail and suspension of the driving privilege.

Source: Oklahoma Statutes, Title 47, 47 O.S. § 7-606(A)(1)

What is Oklahoma's minimum liability coverage for injury or death of one person in an accident?

• $10,000
• $100,000
• $15,000
• $25,000

Show the answer

$25,000

The minimums are $25,000 per person, $50,000 for two or more people and $25,000 for property damage.

Source: Oklahoma Driver Manual, Chapter 13, Financial Responsibility—Liability Insurance Requirements, p. 72

What does liability mean for an Oklahoma driver?

• The state pays for any damage
• You cannot be sued for a crash
• You are responsible for harm you cause
• Your car is fully insured

Show the answer

You are responsible for harm you cause

You answer legally and financially for injury, death or property damage that you or your vehicle cause in a collision.

Source: Oklahoma Driver Manual, Chapter 3, Financial Responsibility and Compulsory Liability Insurance, p. 16

Take this topic's test

More Oklahoma practice

• Full practice testAll topics, as in the knowledge test
• Road SignsWhat signs mean and what to do when you see them89 questions, 11 on Oklahoma rules
• Right-of-WayWho goes first at intersections, crosswalks and roundabouts35 questions, 13 on Oklahoma rules
• Traffic SignalsLights, arrows and pedestrian signals36 questions, 11 on Oklahoma rules
• Lanes & TurnsLane markings, turns, passing and merging36 questions, 13 on Oklahoma rules
• Speed LimitsLimits and how to adjust your speed24 questions, 11 on Oklahoma rules
• ParkingCurb colors, hills and where you can't park29 questions, 11 on Oklahoma rules
• Safe DrivingFollowing distance, weather, night driving and sharing the road57 questions, 24 on Oklahoma rules
• Alcohol & DrugsBlood alcohol limits, DUI rules and medication27 questions, 13 on Oklahoma rules
• EmergenciesBreakdowns, emergency vehicles and railroad crossings23 questions, 13 on Oklahoma rules
• License RulesPermits, restrictions for new drivers and points31 questions, 31 on Oklahoma rules
• Phones & DistractionPhone rules and other distractions18 questions, 10 on Oklahoma rules

About these questions

We wrote these practice questions from the facts in the Oklahoma Driver Manual (Back page 'Updated 11/24/25'; copyright page 2025; PDF modified 2026-07-01, 74 pages, linked from Service Oklahoma's Driver Education page (https://oklahoma.gov/service/all-pages/driver-education.html), read 2026-11-09. Page numbers cited are the printed page numbers, which equal PDF pages. PDF page 26 (traffic signals) has no extractable text and was read from a rendered image. Where the manual is silent or out of date, Oklahoma Statutes Title 47 (complete title from oklegislature.gov, file updated 2025-12-31, including 2025 session laws) and Service Oklahoma's Written Knowledge Test, Learner Permit and Intermediate License pages (read 2026-11-09) are the source. Conflicts found and how they were handled: (1) speed limits table (p. 41) lists 75 mph controlled-access, 80 turnpike, 65 undivided highway; 47 O.S. 11-801 as amended by Laws 2025, c. 197 (eff. Nov. 1, 2025) leaves highway limits to engineering studies, with 75 and 80 only as limits that may be set, so questions use only county roads 55, state parks 35, school zones outside towns 25 and the 75/80 ceilings, cited to the statute; (2) child restraint text (p. 17) is garbled ('at least four 4 years' for the youngest group), so child seat questions follow 47 O.S. 11-1112; (3) funeral processions: the manual (p. 28) says procession vehicles may follow through an intersection regardless of traffic control, while 47 O.S. 11-315 exempts signal- or police-controlled intersections from the no-cutting-in rule, so only the statute rule is tested and common-row-0022 is excluded; (4) penalties for persons under 18 (p. 67: 6 months, 1 year, 2 years or until 21) differ from 47 O.S. 6-107.1 (6 months first, 1 year subsequent), not tested; (5) learner permit age: manual Table 1 (p. 6) and the Learner Permit page say 15 with driver education, while 47 O.S. 6-105(C) (all three 2024 versions read: SB 2038 version) says 15 and a half, not tested; (6) following distance: pp. 34 and 44 give a three-second rule (four in bad weather) but the safety tip on p. 42 says you are too close if you pass the point before four seconds, so following_seconds is left open; (7) speeding penalty 'up to $654 and 30 days' (p. 40) and the impaired-driving suspension list on p. 65 do not match 47 O.S. 11-801(G) and 6-205.1 and are not tested; DUI and refusal revocation questions use 47 O.S. 753 and 6-205.1 (180 days and IDAP); (8) the manual's 15-foot stop from a blind person (p. 28) was not found in Title 47 and is not tested; (9) the $500 crash threshold for suspending an uninsured driver (p. 16) was not found in Title 47 and is not tested; (10) the manual's first insurance bullet on p. 16 repeats 'two or more persons' for $25,000; p. 72 and 47 O.S. 7-324 give $25,000 for one person, which the questions use. edition) and from official sources on road signs. Every answer links to its source, so you can check it and read more.

DMV Decoded is an independent guide, not a government agency. This practice test is not connected to the Service Oklahoma, and your actual test will have different questions. Study the handbook, and check the agency's website for current rules.