Cheapest Auto Insurance in Norman, Oklahoma (2024)
State Farm is the cheapest car insurance company in Norman, with a liability car insurance rate of $37 per month.
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Written bySarah Sharkey
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7+ years writing insurance and personal finance content
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A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Edited byKatie Powers
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Licensed auto and home insurance agent
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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Updated October 30, 2024
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Table of contents
Drivers in Norman pay an overall average of $148 per month for car insurance, which is slightly higher than the Sooner State average of $138.
Norman is the third most-most populouspopulous city in the state of Oklahoma, with around 129,000 residents. More drivers on the road in an area leads to an increased risk of accidents and property damage, which can explain the higher rates in Norman.
Quick Facts
State Farm, USAA, and Allstate offer the cheapest car insurance in Norman, on average.
Norman residents pay an average of $94 per month for liability coverage and $202 for full-coverage car insurance.
Oklahoma insurers can consider credit history when determining premiums.[1]
Cheapest car insurance companies in Norman
Your driving record, age, credit history, and more influence how much you pay for car insurance, and insurers calculate premiums in unique ways. Comparing insurance quotes from different companies is the best way to find the lowest rates for your coverage needs. While it pays to shop around, some car insurance companies offer lower premiums than others.
Below, you can start your search for low rates with three of the cheapest car insurance companies in Norman.
Insurance Company ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $67 | $33 | Cheap rates |
| USAA | 9.4 | $84 | $42 | Veterans |
| Shelter | 7.7 | $200 | $100 | Families |
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.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: State Farm
State FarmCompare personalized, real-time quotes
| User Reviews | 3.2 |
|---|---|
| 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. | $37/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. | $66/mo |
State Farm offers drivers in Norman the cheapest rates for both liability-only and full-coverage policies. In addition to cheap rates, the company earned an above-average J.D. Power customer satisfaction rating in the Central region.
Drivers have an opportunity to tap into additional savings by bundling their auto insurance policies with renters insurance, homeowners insurance, life insurance, or pet insurance.
Pros
Above-average J.D. Power customer satisfaction rating in the Central region
Rideshare coverage available
Cons
No gap insurance available
Low Trustpilot rating
Read more driver reviews of State Farm
Jannie - October 29, 2024
Verified
Good
The insurance is higher than other companies' policies.
Marsha - October 29, 2024
Verified
Friendly agents!
Check out their prices!
Linda - October 29, 2024
Verified
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.
…
Best insurer for veterans: USAA
USAACompare personalized, real-time quotes
| User Reviews | 3.6 |
|---|---|
| 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. | $46/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. | $83/mo |
Norman is home to more than 7,000 veterans who can likely appreciate the coverage USAA has to offer. The insurance company offers relatively low rates to eligible drivers in the area. USAA only works with active-duty, retired, or reserve military members and their immediate families.
Pros
Above-average J.D. Power customer satisfaction rating
Good drivers can save up to 30% with the SafePilot program
Cons
Limited eligibility requirements
No customer service hours on Sundays
Read more driver reviews of USAA
Kent - October 29, 2024
Verified
Excellent
The insurance is a bit high.
Dorothy - October 29, 2024
Verified
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
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.
…
Best insurer for families: Shelter
Shelter InsuranceCompare personalized, real-time quotes
| A.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 |
|---|---|
| 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. | 3.5/10 |
Shelter Insurance is a midsize insurance company that serves policyholders in 15 states, including Oklahoma. It earned the top spot for customer satisfaction in J.D. Power’s 2023 U.S. Auto Insurance Study.
Your family might appreciate the lengthy list of discounts the company offers, including good student, pay-in-full, multi-car, and safe driver discounts.
Pros
Top J.D. Power customer satisfaction rating
Many discount options
Cons
Not the cheapest rates in the city
No accident forgiveness available
How to get the cheapest car insurance in Norman
Insurance companies take a variety of factors into account when determining car insurance premiums, including your age, driving record, location, and credit history.[2]
As you look for the cheapest car insurance option, you can use the following strategies to earn the lowest rates for your situation:
Shop around. Comparing quotes from multiple auto insurance companies is the best way to find the cheapest rates because every insurer looks at your situation differently.
Increase your deductible. In general, insurers offer lower premiums to drivers who choose a higher deductible. If you have the money on hand to cover a higher deductible following an accident, this is a viable way to tap into savings.
Look for a discount. Most car insurance companies offer discount opportunities. Take the time to find out if you qualify for any.[3]
Find Cheap Car Insurance in Norman
Liability rates start at $37 per month
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Cheapest liability-only car insurance in Norman: State Farm
Liability car insurance includes bodily injury and property damage liability coverage. After a car accident, this type of policy can help you pay for the medical injuries and vehicle damage you cause to others.[4]
A liability-only policy is typically the cheapest car insurance option. In Norman, State Farm offers the cheapest average quotes for liability-only policies, at $37 per month.
The table below includes average monthly premiums for liability-only insurance policies from companies in Norman.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $37 |
| USAA | $46 |
| Allstate | $51 |
| Mercury | $61 |
| Safeco | $70 |
| GEICO | $75 |
| Farmers | $79 |
| Progressive | $80 |
| National General | $82 |
| Clearcover | $83 |
| CSAA | $89 |
| Direct Auto | $94 |
| Liberty Mutual | $98 |
| Midvale Home & Auto | $101 |
| GAINSCO | $109 |
| Shelter | $110 |
| The General | $110 |
| Hallmark | $123 |
| Foremost | $143 |
| Bristol West | $151 |
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 Norman: State Farm
A full-coverage car insurance policy offers more robust financial protection than a liability-only policy. Full-coverage policies include liability, comprehensive, and collision coverages. After an incident, a full-coverage policy can help you replace or repair your own vehicle, regardless of fault.
Most auto lenders require drivers to carry this type of policy. But even if you own your vehicle outright, this type of insurance is a good idea if you might not have the funds available to repair your vehicle after an accident.
The table below includes average quotes for Norman drivers for full-coverage policies.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $66 |
| USAA | $83 |
| Allstate | $91 |
| Mercury | $119 |
| GEICO | $132 |
| Farmers | $141 |
| Progressive | $146 |
| Safeco | $161 |
| National General | $168 |
| Direct Auto | $169 |
| Clearcover | $171 |
| CSAA | $187 |
| Shelter | $197 |
| Midvale Home & Auto | $221 |
| The General | $237 |
| Liberty Mutual | $247 |
| GAINSCO | $265 |
| Hallmark | $281 |
| Foremost | $299 |
| Bristol West | $321 |
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 Norman, Oklahoma
Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $79/mo for full coverage in Norman and other Oklahoma cities.
*Quotes generated for Insurify users in and around Norman, 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 Norman, 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
Oklahoma requires drivers to carry a minimum amount of auto insurance to drive legally on public roads. Here are the specific minimum coverage requirements drivers must meet in the Sooner State:[5]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
Collision coverage
Collision insurance helps you cover vehicle repairs following damage from a collision. This can include an auto accident or a collision with a tree, fence, utility pole, or other stationary object.
Comprehensive coverage
If a non-collision incident damages your vehicle, comprehensive insurance can help you pay for vehicle repairs or replacement. Some commonly covered events include theft, severe weather, and vandalism.
Cheapest car insurance for drivers with an incident
Incidents on your driving record, like speeding tickets, driving under the influence, and at-fault accidents, can lead to higher car insurance premiums.
In 2021, around 500 vehicle accidents occurred in Cleveland County, which includes Norman.[6] After causing an accident or having another violation, drivers face higher rates. Insurers view past incidents as an indicator of higher risk.
The table below shows how an incident can affect average liability car insurance quotes in Norman.
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 | $37 | $49 | $50 | $62 |
| USAA | $46 | $61 | $63 | $77 |
| Allstate | $51 | $67 | $70 | $85 |
| Mercury | $61 | $86 | $89 | $93 |
| Safeco | $70 | $94 | $94 | $117 |
| GEICO | $75 | $99 | $103 | $125 |
| Farmers | $79 | $104 | $108 | $132 |
| Progressive | $80 | $106 | $111 | $133 |
| National General | $82 | $109 | $113 | $137 |
| Clearcover | $83 | $112 | $122 | $138 |
| CSAA | $89 | $120 | $127 | $148 |
| Direct Auto | $94 | $124 | $132 | $157 |
| Liberty Mutual | $98 | $140 | $144 | $163 |
| GAINSCO | $109 | $156 | $143 | $182 |
| Shelter | $110 | $151 | $157 | $183 |
| The General | $110 | $147 | $153 | $183 |
| Foremost | $143 | $204 | $210 | $238 |
| Bristol West | $151 | $200 | $206 | $252 |
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
Most auto insurers consider your age when determining premiums. In general, teen drivers pay more for car insurance than drivers with more experience behind the wheel. Young adults, including college students, typically see relatively high rates for years.
But drivers often benefit from declining auto insurance rates between the ages of 35 and 70 before rates tick up again for senior drivers older than 70.
Below, you can see the average auto insurance quotes for Norman drivers by age.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $372 |
| 20s | $252 |
| 30s | $188 |
| 40s | $170 |
| 50s | $151 |
| 60s | $148 |
| 70s | $156 |
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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Norman car insurance quotes by credit tier
Insurance companies in Oklahoma can consider your credit history when determining your auto insurance premiums, but they can’t penalize drivers for not having any credit history. In general, drivers with excellent or good credit pay lower rates for car insurance than drivers with poor credit.
Explore average full-coverage car insurance quotes by credit tier in Norman in the table below.
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.
Norman car insurance FAQs
Before you start shopping around for auto coverage, you should determine exactly how much car insurance you need. The following information should help you navigate the process of buying coverage in Norman.
How much is car insurance in Norman?
The overall average cost of car insurance in Norman is $148 per month. On average, drivers in Norman pay $94 per month for liability coverage and $202 for full-coverage insurance. How much you pay for coverage will depend on your driving record, credit history, age, ZIP code, and more.
Who has the cheapest car insurance in Norman?
State Farm has the cheapest car insurance in Norman, a liability car insurance rate of $37 per month. USAA and Allstate are the second- and third-cheapest car insurers in Norman, thanks to monthly rates of $46 and $51, respectively.
The best way to find the cheapest car insurance for you is to compare quotes from multiple companies at once.
What are the best car insurance companies in Norman?
With an A++ (Superior) financial strength rating from AM Best, a high Insurify Quality (IQ) Score of 4.4 out of 5, and customizable coverage, State Farm is the best car insurance company in Norman. On average, State Farm policyholders pay $32 per month for liability insurance. Two more of the best companies in Norman include Shelter Insurance and USAA.
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 Insurance Department. "How Does Credit History Affect My Insurance Premium?."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Nine ways to lower your auto insurance costs."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Oklahoma Insurance Department. "Auto Insurance: Common Myths."
- Oklahoma Highway Safety Office. "OHSO Interactive Crash Maps."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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