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In the US State of Oklahoma, drivers can get penalty points or a demerit point where their driving license can be canceled or suspended. A driving license can be suspended or canceled based on the number of penalty points accumulated by Oklahoma State drivers over some time because of the traffic offenses or infringements they committed during that period.
You can contact the Department of Motor Vehicles (DMV) for your State to check your penalty points. To check If Speeding Points Affect Insurance, read our article.
How do Points on a Driver’s License Affect Insurance in Oklahoma?
In Oklahomdriver’sr’s license points affect insurance premium costs. Based on our case study, Oklahoma’s average car insurance premium is $$1,066 per year for no violation points. If you get driving penalty points for a fault accident, your insurance premium cost will increase by an average of 21%, which will be $1,873 on average. Racing or reckless driving points can grow up to 60% of your insurance premium policy, so these offenses generate an average insurance cost of $2,455 in Oklahoma.
However, each insurance company has its driving points records ranking system. For the same offenses or penalty points, you can have different insurance premium increases in various companies.
For example, for a same-fault accident in Oklahoma, Nationwide can increase the insurance policy by 10%, while Allstate and Progressive insurance can increase up to 38%.
How long do points stay on your driving record in Oklahoma?
Oklahoma drivers start out with 0 points on their licenses and receive 1 point for minor violations and 4 points for major violations. Your Oklahoma driver’s license will be suspended if you accumulate 10 points in 60 months.
How much do 2 points affect insurance in Oklahoma?
In Oklahoma, on average, 2 penalty points affect a 6% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, some can increase costs by up to 57%.
How much do 3 points affect insurance in Oklahoma?
In Oklahoma, on average, 3 penalty points affect a 6% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, some can increase costs by up to 78%.
How much do 4 points affect insurance in Oklahoma?
In Oklahoma, four penalty points will affect an average 8% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, some can increase costs up to 100%.
How much do 5 points affect insurance in Oklahoma?
In Oklahoma, five penalty points will affect an average 9% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 6 points affect insurance in Oklahoma?
In Oklahoma, 6 penalty points will affect an average 10% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, some can increase costs up to 100%.
How much do 7 points affect insurance in Oklahoma?
In Oklahoma, seven penalty points will affect an average 24% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, some can increase costs up to 100%.
How much do 8 points affect insurance in Oklahoma?
In Oklahoma, eight penalty points will affect a 36% premium insurance increase on average. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
The length of a suspension period for any Oklahoma license holder
(1) For the first suspension, the suspension time shall be for one (1) month.
(2) For the second suspension, the suspension time shall be for three (3) months.
(3) The third suspension time shall be six (6) months. Such suspension shall not be subject to modification.
Offense and driving points record in Oklahoma
| Disobeying traffic sign | 1 |
| Disobeying police officer | 1 |
| Improper turn | 1 |
| Failure to signal | 1 |
| Defective lights, brakes, mufflers, or other equipment | 1 |
| Failure to obey a stop sign or traffic light | 2 |
| License restriction violation | 2 |
| Racing | 2 |
| Careless driving | 2 |
| Speeding 11-25 miles per hour over the limit | 2 |
| At-fault accident | 3 |
| Speeding 26-40 miles per hour over the limit | 3 |
| Speeding more than 41 miles per hour over the limit | 4 |
| Reckless driving | 4 |
| Failure to stop or remain stopped for a school bus loading and unloading | 4 |
From 2022.,Jason writes educational insurance articles for Promtinsurance.com.
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