Oklahoma vs Pennsylvania Car Insurance

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

Quick Verdict

More Affordable

Pennsylvania is $270/yr cheaper on average.

Fewer Uninsured

Pennsylvania has a lower uninsured rate (7.6% vs 10.8%).

Rate & Coverage Comparison

Attribute	Oklahoma	Pennsylvania
Avg Annual Premium	$2,030	$1,760
Min Liability	$660	$580
Full Coverage	$2,030	$1,760
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	10.8%	7.6%
Registered Vehicles	3,247,200	10,662,460
Accidents/Year	48,708	159,936
Population	3,960,000	13,003,000

Minimum Coverage Requirements

Oklahoma

25/50 / 25 liability

Pennsylvania

15/30 / 5 liability

Premium Comparison

Oklahoma$660 – $2,030

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

Pennsylvania$580 – $1,760

Liability: $580Avg: $1,760Full: $1,760

OklahomaFull rates, age breakdown, requirements →PennsylvaniaFull 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 Pennsylvania?

Pennsylvania has cheaper car insurance, with an average annual premium of $1,760 compared to $2,030 in Oklahoma - a difference of $270 per year.

How do Oklahoma and Pennsylvania compare on fault systems?

Oklahoma uses a at-fault (tort) system while Pennsylvania uses a no-fault system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Oklahoma vs Pennsylvania?

Oklahoma requires 25/50 / 25 liability. Pennsylvania requires 15/30 / 5 liability. Minimum liability costs $660/yr in Oklahoma and $580/yr in Pennsylvania.

Which state has more uninsured drivers, Oklahoma or Pennsylvania?

Oklahoma has a higher uninsured driver rate at 10.8%, compared to 7.6% in Pennsylvania. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Oklahoma vs Pennsylvania 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

Pennsylvania

Avg Annual Premium

$2,030

$1,760

Min Liability

$660

$580

Full Coverage

$2,030

$1,760

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

10.8%

7.6%

Registered Vehicles

3,247,200

10,662,460

Accidents/Year

48,708

159,936

Population

3,960,000

13,003,000