Maine vs Oklahoma Car Insurance

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

Quick Verdict

More Affordable

Maine is $1,130/yr cheaper on average.

Fewer Uninsured

Maine has a lower uninsured rate (4.5% vs 10.8%).

Rate & Coverage Comparison

Attribute	Maine	Oklahoma
Avg Annual Premium	$900	$2,030
Min Liability	$300	$660
Full Coverage	$900	$2,030
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	4.5%	10.8%
Registered Vehicles	1,116,840	3,247,200
Accidents/Year	16,752	48,708
Population	1,362,000	3,960,000

Minimum Coverage Requirements

Maine

50/100 / 25 liability

Oklahoma

25/50 / 25 liability

Premium Comparison

Maine$300 – $900

Liability: $300Avg: $900Full: $900

Oklahoma$660 – $2,030

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

MaineFull 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, Maine or Oklahoma?

Maine has cheaper car insurance, with an average annual premium of $900 compared to $2,030 in Oklahoma - a difference of $1,130 per year.

How do Maine and Oklahoma compare on fault systems?

Maine 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 Maine vs Oklahoma?

Maine requires 50/100 / 25 liability. Oklahoma requires 25/50 / 25 liability. Minimum liability costs $300/yr in Maine and $660/yr in Oklahoma.

Which state has more uninsured drivers, Maine or Oklahoma?

Oklahoma has a higher uninsured driver rate at 10.8%, compared to 4.5% in Maine. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Maine 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

Maine

Oklahoma

Avg Annual Premium

$900

$2,030

Min Liability

$300

$660

Full Coverage

$900

$2,030

Fault System

At-Fault (Tort)

Uninsured Rate

4.5%

10.8%

Registered Vehicles

1,116,840

3,247,200

Accidents/Year

16,752

48,708

Population

1,362,000

3,960,000