Oklahoma vs Oregon Car Insurance

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

Quick Verdict

More Affordable

Oregon is $350/yr cheaper on average.

Fewer Uninsured

Oregon has a lower uninsured rate (8.4% vs 10.8%).

Rate & Coverage Comparison

Attribute	Oklahoma	Oregon
Avg Annual Premium	$2,030	$1,680
Min Liability	$660	$550
Full Coverage	$2,030	$1,680
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	10.8%	8.4%
Registered Vehicles	3,247,200	3,475,160
Accidents/Year	48,708	52,127
Population	3,960,000	4,238,000

Minimum Coverage Requirements

Oklahoma

25/50 / 25 liability

Oregon

25/50 / 20 liability

Premium Comparison

Oklahoma$660 – $2,030

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

Oregon$550 – $1,680

Liability: $550Avg: $1,680Full: $1,680

OklahomaFull rates, age breakdown, requirements →OregonFull 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, Oklahoma or Oregon?

Oregon has cheaper car insurance, with an average annual premium of $1,680 compared to $2,030 in Oklahoma - a difference of $350 per year.

How do Oklahoma and Oregon compare on fault systems?

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

What are the minimum insurance requirements in Oklahoma vs Oregon?

Oklahoma requires 25/50 / 25 liability. Oregon requires 25/50 / 20 liability. Minimum liability costs $660/yr in Oklahoma and $550/yr in Oregon.

Which state has more uninsured drivers, Oklahoma or Oregon?

Oklahoma has a higher uninsured driver rate at 10.8%, compared to 8.4% in Oregon. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Oklahoma vs Oregon 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

Oklahoma

Oregon

Avg Annual Premium

$2,030

$1,680

Min Liability

$660

$550

Full Coverage

$2,030

$1,680

Fault System

At-Fault (Tort)

Uninsured Rate

10.8%

8.4%

Registered Vehicles

3,247,200

3,475,160

Accidents/Year

48,708

52,127

Population

3,960,000

4,238,000