Delaware vs Oklahoma Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Delaware is $110/yr cheaper on average.

Fewer Uninsured

Oklahoma has a lower uninsured rate (10.8% vs 11.4%).

Rate & Coverage Comparison

Attribute	Delaware	Oklahoma
Avg Annual Premium	$1,920	$2,030
Min Liability	$630	$660
Full Coverage	$1,920	$2,030
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.4%	10.8%
Registered Vehicles	811,800	3,247,200
Accidents/Year	12,177	48,708
Population	990,000	3,960,000

Minimum Coverage Requirements

Delaware

25/50 / 10 liability

Oklahoma

25/50 / 25 liability

Premium Comparison

Delaware$630 – $1,920

Liability: $630Avg: $1,920Full: $1,920

Oklahoma$660 – $2,030

Liability: $660Avg: $2,030Full: $2,030

DelawareFull rates, age breakdown, requirements →OklahomaFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Delaware or Oklahoma?

Delaware has cheaper car insurance, with an average annual premium of $1,920 compared to $2,030 in Oklahoma - a difference of $110 per year.

How do Delaware and Oklahoma compare on fault systems?

Delaware uses a at-fault (tort) system while Oklahoma uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Delaware vs Oklahoma?

Delaware requires 25/50 / 10 liability. Oklahoma requires 25/50 / 25 liability. Minimum liability costs $630/yr in Delaware and $660/yr in Oklahoma.

Which state has more uninsured drivers, Delaware or Oklahoma?

Delaware has a higher uninsured driver rate at 11.4%, compared to 10.8% in Oklahoma. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Delaware vs Oklahoma insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Delaware

Oklahoma

Avg Annual Premium

$1,920

$2,030

Min Liability

$630

$660

Full Coverage

$1,920

$2,030

Fault System

At-Fault (Tort)

Uninsured Rate

11.4%

10.8%

Registered Vehicles

811,800

3,247,200

Accidents/Year

12,177

48,708

Population

990,000

3,960,000