Oklahoma vs Wisconsin Car Insurance

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

Quick Verdict

More Affordable

Wisconsin is $750/yr cheaper on average.

Fewer Uninsured

Wisconsin has a lower uninsured rate (8.5% vs 10.8%).

Rate & Coverage Comparison

Attribute	Oklahoma	Wisconsin
Avg Annual Premium	$2,030	$1,280
Min Liability	$660	$420
Full Coverage	$2,030	$1,280
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	10.8%	8.5%
Registered Vehicles	3,247,200	4,833,080
Accidents/Year	48,708	72,496
Population	3,960,000	5,894,000

Minimum Coverage Requirements

Oklahoma

25/50 / 25 liability

Wisconsin

25/50 / 10 liability

Premium Comparison

Oklahoma$660 – $2,030

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

Wisconsin$420 – $1,280

Liability: $420Avg: $1,280Full: $1,280

OklahomaFull rates, age breakdown, requirements →WisconsinFull 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 Wisconsin?

Wisconsin has cheaper car insurance, with an average annual premium of $1,280 compared to $2,030 in Oklahoma - a difference of $750 per year.

How do Oklahoma and Wisconsin compare on fault systems?

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

What are the minimum insurance requirements in Oklahoma vs Wisconsin?

Oklahoma requires 25/50 / 25 liability. Wisconsin requires 25/50 / 10 liability. Minimum liability costs $660/yr in Oklahoma and $420/yr in Wisconsin.

Which state has more uninsured drivers, Oklahoma or Wisconsin?

Oklahoma has a higher uninsured driver rate at 10.8%, compared to 8.5% in Wisconsin. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Oklahoma vs Wisconsin 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

Wisconsin

Avg Annual Premium

$2,030

$1,280

Min Liability

$660

$420

Full Coverage

$2,030

$1,280

Fault System

At-Fault (Tort)

Uninsured Rate

10.8%

8.5%

Registered Vehicles

3,247,200

4,833,080

Accidents/Year

48,708

72,496

Population

3,960,000

5,894,000