Oklahoma Car Accident Settlement Calculator
Estimate a car accident settlement under Oklahoma law. The calculator applies this jurisdiction's own comparative fault rule and damages ceilings, and every figure below is the one our verified data holds, with the statute behind it and the date we checked it.
What Oklahoma law does to your claim
Three things in state law open a gap between two identical injuries in two different states: how long you have to file, what happens if you were partly at fault, and whether the state puts a ceiling on what a jury can award. Here is what we hold for this one.
Oklahoma bars recovery if plaintiff is 51% or more at fault.
23 Okla. Stat. § 13·Source retrieved 2026-07-27
23 Okla. Stat. § 61.2; Beason·Source retrieved 2026-07-27
None on record means our verified data holds no figure of this kind for this state. It is not a finding that no limit could apply to your claim.
Oklahoma car insurance law: minimums, PIP and uninsured motorist coverage
What Oklahoma's provisions say about the insurance behind a car accident claim, in their own words, with the copy read named under each.
Oklahoma: Minimum liability coverage
“Every owner of a motor vehicle registered in this state, other than a licensed used motor vehicle dealer, shall, at all times, maintain in force with respect to such vehicle security for the payment of loss resulting from the liability imposed by law for bodily injury, death and property damage sustained by any person arising out of the ownership, maintenance, operation or use of the vehicle.”
“"Minimum liability insurance limits" means: a. for vehicle liability policies issued or renewed before April 1, 2005: (1) a limit of not less than Ten Thousand Dollars ($10,000.00) because of bodily injury to or death of one person in any one accident, (2) subject to the limit for one person as prescribed in subparagraph a of this paragraph, a limit of not less than Twenty Thousand Dollars ($20,000.00) because of bodily injury to or death of two or more persons in any one accident, and (3) if the accident has resulted in injury to or destruction of property, a limit of not less than Ten Thousand Dollars ($10,000.00) because of injury to or destruction of property of others in any one accident, or b. for vehicle liability policies issued or renewed on or after April 1, 2005: (1) a limit of not less than Twenty-five Thousand Dollars ($25,000.000) because of bodily injury to or death of one person in any one accident, (2) subject to the limit for one person as prescribed in subparagraph a of this paragraph, a limit of not less than Fifty Thousand Dollars ($50,000.00) because of bodily injury to or death of two or more persons in any one accident, and (3) if the accident has resulted in injury to or destruction of property to a limit of not less than Twenty-five Thousand Dollars ($25,000.00) because of injury to or destruction of property of others in any one accident; […]”
The provision continues past the end of this quote, and the rest is not quoted here.
A minimum is a floor on what a policy must carry. It is not a limit on what a claim is worth, and it does not tell you what the at-fault driver carries.
Oklahoma: No-fault, personal injury protection and the right to sue
A separate rule, on what some claimants may recover:
“Except as provided in subsection B of this section, in any civil action to recover damages arising out of an accident involving the operation of a motor vehicle or for any claim against the motor vehicle liability insurance coverage of another party, the maximum amount that a plaintiff or claimant may receive, if the plaintiff or claimant is not in compliance with the Compulsory Insurance Law, shall be limited to the amount of medical costs, property damage, and lost income and shall not include any award for pain and suffering.”
Where it does not apply:
“B. The limitations provided for in subsection A of this section shall not apply: 1. If the plaintiff or claimant was injured by a motorist who at the time of the accident was operating or using a motor vehicle while under the influence of drugs or alcohol in violation of any provision of law relating to the illegal operation or use of a motor vehicle while under the influence of drugs or alcohol, and that motorist: a. was convicted of, or pled guilty or nolo contendere to, the offense, or b. dies as a result of the accident if it is proven by a preponderance of the evidence that the motorist was operating or using the motor vehicle while under the influence of drugs or alcohol in violation of any provision of law relating to the illegal operation or use of a motor vehicle while under the influence of drugs or alcohol; 2. If the plaintiff or claimant was a passenger in a motor vehicle involved in the accident, unless the plaintiff or claimant is an owner of the vehicle; 3. If the plaintiff or claimant was not in any motor vehicle involved in the accident; 4. To wrongful death claims; 5. If the motorist who caused the accident: a. intentionally caused the accident, b. left the scene of the accident, or c. at the time of the accident, was acting in furtherance of the commission of a felony; 6. If, at the time of the accident, the plaintiff or claimant was claimed as a dependent on the federal income tax return of one or both parents of the plaintiff or claimant and the parent or parents were not in compliance with the Compulsory Insurance Law; or 7. If, at the time of the accident, the plaintiff or claimant previously had been covered by an insurance policy meeting the requirements of the Compulsory Insurance Law that was terminated or nonrenewed for failure to pay the premium, unless at least thirty (30) days prior to the accident notice of termination was sent to the last-known mailing address of the policyholder.”
No personal injury protection requirement, and no limit on a suit for pain and suffering, was found in the provisions read for this page (36 O.S. § 3636 and 47 O.S. §§ 7-103, 7-116 and 7-601).
Oklahoma: Uninsured and underinsured motorist coverage
“A. No policy insuring against loss resulting from liability imposed by law for bodily injury or death suffered by any person arising out of the ownership, maintenance or use of a motor vehicle shall be issued, delivered, renewed, or extended in this state with respect to a motor vehicle registered or principally garaged in this state unless the policy includes the coverage described in subsection B of this section. B. The policy referred to in subsection A of this section shall provide coverage therein or supplemental thereto for the protection of persons insured thereunder who are legally entitled to recover damages from owners or operators of uninsured motor vehicles and hit-and-run motor vehicles because of bodily injury, sickness or disease, including death resulting therefrom. Coverage shall be not less than the amounts or limits prescribed for bodily injury or death for a policy meeting the requirements of Section 7-204 of Title 47 of the Oklahoma Statutes, as the same may be hereafter amended; provided, however, that increased limits of liability shall be offered and purchased if desired, not to exceed the limits provided in the policy of bodily injury liability of the insured.”
“G. A named insured or applicant shall have the right to reject uninsured motorist coverage in writing.”
No underinsured motorist requirement was found in the provisions read for this page (36 O.S. § 3636, as captured).
Oklahoma: Medical payments coverage
No medical payments coverage requirement was found in the provisions read for this page (36 O.S. § 3636 and 47 O.S. §§ 7-103, 7-116 and 7-601).
What partial fault costs you in Oklahoma
The same claim, fracture with surgery, several months of recovery, run through the calculator above four times, with nothing changed but the share of fault assigned to the claimant. The numbers are the engine's output, not an editorial claim about what these cases are worth.
One case, run through the calculator above four times with only the claimant's share of fault changed, under Oklahoma law. No coverage ceiling is applied, because we would be inventing the at-fault party's policy. These shares illustrate the rule; they are not an estimate of your own fault.
Every Oklahoma deadline we hold
A claim can be more than one kind of case, and the clock is different for each. These are the Oklahoma periods in our verified data, with the statute behind each one. A deadline is the outside limit, never a target, and other rules can shorten it.
12 Okla. Stat. § 95(A)(3)·Source retrieved 2026-07-27
Open the personal injury calculator12 Okla. Stat. § 95(A)(3)·Source retrieved 2026-07-27
Open the medical malpractice calculator12 Okla. Stat. § 1053(A)·Source retrieved 2026-07-27
Open the wrongful death calculator85A Okla. Stat. 69·Last reviewed 2026-07-28
Open the workers compensation calculator12 Okla. Stat. § 95(A)(3)·Source retrieved 2026-07-27
Open the slip and fall calculatorOklahoma against the rest of the country
Every count below is read from our state-law data across all 51 jurisdictions, so it moves when the data does. What you will not find here is an average settlement figure: the only one we could compute is a model, and a model presented as a measurement is not a fact.
- 24 of the 51 jurisdictions we track apply modified comparative negligence with a 51% bar, and Oklahoma is one of them.
- Its 2 years to file is the same as the most common deadline in the country, which 25 jurisdictions use. Across the 51 jurisdictions the deadline for this case type runs from 1 year to 6 years.
- 7 of the 51 jurisdictions limit non-economic damages (pain and suffering) in our data and Oklahoma is not among them, so an estimate here is not held down by a ceiling we hold.
Comparisons are drawn from the legal levers that actually move a case value, not from closed-case data, which we do not hold. See the full methodology