Before November 1, 2016, it was illegal to drive without an insurance card in Oklahoma–even if you had car insurance. You were subject to up to a $250 fine and imprisonment for no more than 30 days. HB 2473 changed all that. Those penalties applied equally to people who had insurance but no card and people with no insurance. Now, those penalties only apply to people driving without insurance. The officer now has to use an online verification system to check someone’s car insurance status, and the officer must be able to verify that you have insurance through that system for you to not get cited.