Cheapest Auto Insurance in Lawton, Oklahoma (2024)
State Farm offers the cheapest car insurance in Lawton, with minimum-coverage policies as low as $33 per month.
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Written byElizabeth Rivelli
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Elizabeth Rivelli
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Updated October 30, 2024
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Table of contents
The average monthly cost of car insurance in Lawton, Oklahoma, is $134, which is comparable to the state average of $138 per month and the national average of $158 per month.
Some factors that contribute to Lawton’s average car insurance premium include its relatively low population and number of vehicle thefts compared to other cities and counties in the state.[1]
Quick Facts
The average cost of car insurance in Lawton is $89 per month for liability insurance and $179 per month for full coverage.
Lawton drivers must carry at least 25/50/25 in liability insurance.[2]
Drivers in Lawton with bad credit pay almost twice as much for car insurance as drivers with excellent credit.
Cheapest car insurance companies in Lawton
Plenty of highly rated car insurance companies are available in Lawton. However, the best car insurance company for you will depend on your individual situation, coverage needs, and budget. Various factors like your ZIP code, credit score, driving record, and age affect the cost of your car insurance policy.
Best insurer for low rates: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $33/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $60/mo |
4.2
Best choiceBased on 8831 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,847)
Jannie
October 29, 2024
Verified Review
Good
The insurance is higher than other companies' policies.
Marsha
October 29, 2024
Verified Review
Friendly agents!
Check out their prices!
Linda
October 29, 2024
Verified Review
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm has some of the lowest rates in Lawton. In addition, State Farm offers excellent discounts, including savings for young drivers. The company is also rated above average for customer satisfaction by J.D. Power in the Central region. One of the only downsides to State Farm is that it offers few endorsements for additional coverage.
Pros
Relatively affordable rates
High J.D. Power customer satisfaction rating
Cons
Few available endorsements for customization
Gap insurance not available
Best insurer for military families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $42/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $75/mo |
4.9
Best choiceBased on 1573 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (897)
Kent
October 29, 2024
Verified Review
Excellent
The insurance is a bit high.
Dorothy
October 29, 2024
Verified Review
Significant Increase in Policy Payment
Be cautious not to have an accident, as my policy payment increased by $300 a month.
Martin
October 29, 2024
Verified Review
My Opinion
They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA is a great car insurance company for Lawton drivers affiliated with the military, including people who work at Fort Sill Base. USAA exclusively sells car insurance to active-duty and retired military personnel, as well as their immediate family members. USAA stands out for its affordable premiums and wide selection of available discounts for additional savings.
Pros
Many available discounts
Strong third-party ratings
Cons
Civilians don’t qualify for coverage
Few available car insurance endorsements
Best insurer for discounts: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $67/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $120/mo |
4.0
Best choiceBased on 10113 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,563)
Herman
October 29, 2024
Verified Review
Excellent
For us, it came down to cost and having all of our insurance with the same company, not farmed out.
Greg
October 29, 2024
Verified Review
It's Expensive
It's expensive.
Robert
October 29, 2024
Verified Review
Unpleasant Experience on Cape Cod
My insurance has gone from $37 a month to $82. Stay far away from this company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
If you’re looking for a car insurance company with the best discounts, consider GEICO. It offers savings for accident-free drivers, good students, military personnel, federal employees, affinity group members, insuring a car with airbags or anti-lock brakes, bundling multiple policies, and many others. GEICO also has relatively affordable average rates.
Pros
Many available discounts with generous savings
Superior financial stability
Cons
Below-average J.D. Power customer satisfaction rating in the Central region
Few available customizable add-on options
How to get the cheapest car insurance in Lawton
Car insurance companies use factors like your age, location, vehicle type, gender, credit score, driving record, and more to calculate car insurance premiums.
However, drivers in Lawton can lower their car insurance premiums in a number of ways. Here are some tips for getting cheap car insurance in Lawton:
Choose high deductibles. Picking higher deductibles usually results in lower monthly premiums. Just make sure you can afford the out-of-pocket costs if you ever file a claim.
Pay your premium in full. Most car insurance companies will give you a small discount if you pay your annual premium up front in one lump sum.
Bundle your policies. You can often get significant savings for bundling multiple policies with the same insurer, like car insurance with homeowners insurance, renters insurance, or life insurance.
Compare rates. Comparing insurance quotes from different companies will help you see which insurance company can offer you the lowest rate for your situation and coverage needs.
Find Car Insurance in Lawton, Oklahoma
Liability rates start at $33 per month
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Cheapest liability-only car insurance in Lawton: State Farm
Liability-only car insurance covers your legal and financial responsibilities when you cause an accident that injures someone or damages their property. Liability-only insurance doesn’t cover your medical expenses or your vehicle damages.
State Farm has the cheapest liability-only insurance in Lawton, at $33 per month.
In the table below, you can see the cheapest car insurance companies in Lawton for liability-only insurance.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $33 |
| USAA | $42 |
| Allstate | $47 |
| Mercury | $55 |
| Safeco | $64 |
| GEICO | $67 |
| Farmers | $71 |
| Progressive | $72 |
| National General | $74 |
| Clearcover | $75 |
| CSAA | $81 |
| Direct Auto | $86 |
| Liberty Mutual | $88 |
| Midvale Home & Auto | $91 |
| GAINSCO | $99 |
| Shelter | $100 |
| The General | $100 |
| Hallmark | $111 |
| Foremost | $129 |
| Bristol West | $137 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Lawton: State Farm
Full-coverage car insurance offers more protection than a liability-only policy. It includes third-party liability coverage, collision, comprehensive, and medical payments coverage. Some full-coverage auto policies also provide uninsured/underinsured motorist insurance and personal injury protection (PIP).
A full-coverage policy isn’t required for most drivers, but it’s often a requirement for drivers who lease or finance their vehicles. If you own your vehicle outright, a full-coverage insurance policy provides valuable protection, especially if you can’t afford to pay for vehicle repairs out of pocket after an accident.
On average, full-coverage policies in Lawton cost $179 per month, but the cheapest insurer is State Farm.
The table below shows which car insurance companies in Lawton have the cheapest full-coverage premiums.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $60 |
| USAA | $75 |
| Allstate | $83 |
| Mercury | $107 |
| GEICO | $120 |
| Farmers | $127 |
| Progressive | $132 |
| Safeco | $145 |
| National General | $152 |
| Direct Auto | $153 |
| Clearcover | $155 |
| CSAA | $169 |
| Shelter | $179 |
| Midvale Home & Auto | $201 |
| The General | $215 |
| Liberty Mutual | $223 |
| GAINSCO | $239 |
| Hallmark | $255 |
| Foremost | $271 |
| Bristol West | $291 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Lawton, Oklahoma
Recent Lawton, Oklahoma car insurance prices for Subaru, Ford, Chevrolet , and more.
*Quotes generated for Insurify users in and around Lawton, Oklahoma within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lawton, Oklahoma within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Oklahoma
Car insurance is a legal requirement for all vehicle owners in Oklahoma. Lawton drivers must carry at least 25/50/25 in personal liability insurance.
However, the Oklahoma Insurance Department (OID) recommends that drivers purchase higher coverage limits of at least 100/300/100 for the most protection in the event of an at-fault accident.[2]
Oklahoma is a tort — or at-fault — state. In a tort state, the at-fault driver is responsible for compensating third parties for their bodily injuries and property damage losses.
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
In addition to the minimum required coverages, many Lawton drivers can benefit from optional coverages. Here are some add-on coverages that many insurers sell:
Comprehensive coverage
Comprehensive coverage pays for vehicle repairs and damages from non-accident events like theft, vandalism, falling objects, weather events, and more.
Collision coverage
Collision coverage pays for your vehicle repairs and damages after you hit a stationary object or another vehicle, regardless of fault.
Roadside assistance coverage
Roadside assistance coverage pays for basic roadside services like fuel delivery, flat-tire changes, and towing.
Gap insurance
If you lease or finance your car and your insurer declares it a total loss after a covered claim, gap insurance will pay the difference between the car’s value and the loan balance.
Accident forgiveness
Accident forgiveness waives your first at-fault accident so it won’t increase your car insurance premium.
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Is Accident Forgiveness Insurance Worth It?
Cheapest car insurance for drivers with an incident
Drivers with a clean record usually pay the lowest rates for car insurance.
If you have an incident on your record, such as speeding tickets or at-fault accidents, you’ll likely pay more expensive rates for car insurance because you’re riskier to insure. More serious traffic violations like driving under the influence (DUI) typically have the biggest effect on car insurance premiums.
You can see the cheapest car insurance companies in Lawton for drivers with an incident on their record in the table below:
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| State Farm | $33 | $43 | $45 | $55 |
| USAA | $42 | $55 | $58 | $70 |
| Allstate | $47 | $62 | $65 | $78 |
| Mercury | $55 | $78 | $80 | $84 |
| Safeco | $64 | $86 | $86 | $107 |
| GEICO | $67 | $89 | $92 | $112 |
| Farmers | $71 | $93 | $97 | $118 |
| Progressive | $72 | $95 | $100 | $120 |
| National General | $74 | $98 | $102 | $123 |
| Clearcover | $75 | $101 | $110 | $125 |
| CSAA | $81 | $110 | $116 | $135 |
| Direct Auto | $86 | $114 | $120 | $143 |
| Liberty Mutual | $88 | $126 | $129 | $147 |
| GAINSCO | $99 | $142 | $130 | $165 |
| Shelter | $100 | $138 | $143 | $167 |
| The General | $100 | $134 | $139 | $167 |
| Foremost | $129 | $184 | $189 | $215 |
| Bristol West | $137 | $181 | $187 | $228 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Age is another factor that can affect your car insurance premium. Newly licensed young drivers generally pay the most expensive auto insurance rates because they lack experience on the road and have higher accident rates than older drivers.[3]
For most people, rates decrease around age 35 but increase around age 70. Older drivers have higher mortality rates in car accidents, and their age-related physical declines can affect driving capabilities.[4]
The table below shows the average cost of car insurance for drivers in Lawton based on age.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $359 |
| 20s | $244 |
| 30s | $182 |
| 40s | $164 |
| 50s | $146 |
| 60s | $142 |
| 70s | $151 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Lawton car insurance quotes by credit tier
In Oklahoma, car insurance companies can use your credit score to calculate your premium.[2] Drivers with excellent or good credit scores usually pay cheaper car insurance rates than drivers with poor credit scores.
Here are the average car insurance rates in Lawton for drivers based on credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Lawton car insurance FAQs
Understand how much car insurance you need before you buy a policy, and check out the answers to common questions about auto coverage in Lawton below.
How much is car insurance in Lawton?
The average cost of car insurance in Lawton is $89 per month for liability insurance and $179 per month for full coverage.
Which company has the cheapest car insurance in Lawton?
State Farm, USAA, and Allstate, have the cheapest liability insurance in Lawton, with rates of $33, $42, and $47 per month, respectively.
The best way to find cheap auto rates for you is to compare quotes from multiple car insurance companies. Get quotes from at least three insurers at the same coverage level to ensure an accurate comparison to see which one offers you the lowest rates for the coverage you need.
What are the best car insurance companies in Lawton?
A few of the best car insurance companies in Lawton include GEICO, State Farm, and USAA. These auto insurers have affordable rates, good customer satisfaction ratings, and high IQ Scores.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Oklahoma
Sources
- Oklahoma State Bureau of Investigation. "Comanche County: Crimes Reported (UCR Index Crimes)."
- Oklahoma Insurance Department. "Auto Insurance: Common Myths."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
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Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Featured in
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