Idaho vs Oklahoma Car Insurance

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

Quick Verdict

More Affordable

Idaho is $930/yr cheaper on average.

Fewer Uninsured

Idaho has a lower uninsured rate (7.4% vs 10.8%).

Rate & Coverage Comparison

Attribute	Idaho	Oklahoma
Avg Annual Premium	$1,100	$2,030
Min Liability	$360	$660
Full Coverage	$1,100	$2,030
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	7.4%	10.8%
Registered Vehicles	1,558,000	3,247,200
Accidents/Year	23,370	48,708
Population	1,900,000	3,960,000

Minimum Coverage Requirements

Idaho

25/50 / 15 liability

Oklahoma

25/50 / 25 liability

Premium Comparison

Idaho$360 – $1,100

Liability: $360Avg: $1,100Full: $1,100

Oklahoma$660 – $2,030

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

IdahoFull 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, Idaho or Oklahoma?

Idaho has cheaper car insurance, with an average annual premium of $1,100 compared to $2,030 in Oklahoma - a difference of $930 per year.

How do Idaho and Oklahoma compare on fault systems?

Idaho 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 Idaho vs Oklahoma?

Idaho requires 25/50 / 15 liability. Oklahoma requires 25/50 / 25 liability. Minimum liability costs $360/yr in Idaho and $660/yr in Oklahoma.

Which state has more uninsured drivers, Idaho or Oklahoma?

Oklahoma has a higher uninsured driver rate at 10.8%, compared to 7.4% in Idaho. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Idaho 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

Idaho

Oklahoma

Avg Annual Premium

$1,100

$2,030

Min Liability

$360

$660

Full Coverage

$1,100

$2,030

Fault System

At-Fault (Tort)

Uninsured Rate

7.4%

10.8%

Registered Vehicles

1,558,000

3,247,200

Accidents/Year

23,370

48,708

Population

1,900,000

3,960,000