Cheap Car Insurance in Norman, OK

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Sep 13, 2021

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Are you looking for cheap auto insurance in Norman, OK? With, anyone can find the cheapest insurance rates in your city. To get free car insurance estimates from the major providers right now, type in your postal code into the quote box on this site.

Norman, Oklahoma is the 3rd largest city within the state and is located approximately 20 miles south of the state capital. Like many metropolitan areas in Oklahoma, its origins can be traced back to the 1889 Land Run, when land was confiscated from the Native Americans and opened up for settlement by pioneers. Norman is also home to the University of Oklahoma.

  • Fun fact: get ready to take notes, because Norman is #25 on the list of “Top 100 cities with highest percentage of college students (pop. 50,000+)”. Learn more about Norman here.

Auto Insurance Coverage Requirements in Oklahoma

Driving legally in Norman requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 25,000/50,000
Property Damage Liability 25,000 25,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000
Medical Payments Not required 2,000
Collision Not required 500 deductible
Comprehensive Not required 500 deductible

While purchasing the minimum legal requirement for auto coverage might seem like the better deal, beware the allure of a cheaper insurance policy with less coverage. With Liability coverage, for example, your insurer will only pay out claims if you are responsible for the accident or incident which damaged your vehicle. Should your car be damaged by any other means, you’re on your own.

Your average driver in Oklahoma is probably paying around $131 monthly for their auto insurance policy right now. But Norman drivers have the chance to drive legally for as low as $51/mo*! If you want to learn now to lower your rate, just visit our Oklahoma car insurance page.

Average Monthly Auto Insurance PremiumsLegend: Norman Oklahoma Farmers Union State Farm OK Farm Bureau Mercury Allstate 5101520253035404550556065$39$39$67$56$65

The lowest rates in Athens come from providers such as Oklahoma Farmers Union and State Farm. But does a lower rate automatically make them the best company? There are other factors to consider, such as customer service and the claims filing process, before you decide which company gets your business.

Auto insurance providers consider many elements when determining quotes, like gender, driving violations, type of vehicle owned, years of driving experience, and theft protection devices. But remember, the premium you will have to pay varies by carrier. To make sure you’re still getting the best price, examine cheap Norman auto insurance prices online.

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Major Car Insurance Factors in Norman

Once your car insurance provider sits down to write your policy, they take many issues into consideration. A few of these, for instance credit history or perhaps your precise location, can be not possible to modify. Some additional components are:

Your Zip Code

Your auto insurance rates can vary based on where you live. In general, highly populated areas have higher car insurance rates as the additional amount of drivers on the streets increases the chance of a collision! The total population of Norman amounts to 118,197 plus the general household income amounts to $48,508.

Auto Insurance by Zip CodeLegend: Oklahoma City Broken Arrow Tulsa Norman Lawton Oklahoma Farmers Union State Farm OK Farm Bureau Mercury Allstate 51015202530354045505560657075$39$36$40$29$24$39$44$44$39$34$67$66$76$67$54$57$59$62$56$45$74$69$76$65$55

Automotive Accidents

Norman is a fairly safe place to drive, based on accident statistics. Most recent statistical data recorded only 14 traffic accident fatalities back in 2013. This is well below the national average, which means that insurance providers are much more likely to charge lower rates in the area.

Fatal Accidents in Norman, OKLegend: Norman Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 2468101214161820222481618251

Auto Thefts in Norman

Dwelling in a big city (Especially any with a significant rate of crime) raises your potential for becoming a victim of auto theft. In cases where your regular locality has substantial rates of claims for theft, you will probably spend much more for auto insurance to be able to counterbalance these costs. The complete number of thieved automobiles in Norman was 168 for the fiscal year 2013. Even though theft rates are low, that doesn’t mean you shouldn’t consider protecting yourself with Comprehensive coverage.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Oklahoma Farmers Union State Farm OK Farm Bureau Mercury Allstate 153045607590105120135150165$39$107$39$102$67$177$56$101$65$136

Your Credit Score

The secret is out: your credit score can have a serious influence on how expensive (or inexpensive) your monthly premiums will be. As demonstrated in the chart below, having poor credit can increase your rate between 100-200% or more, depending on your insurance company (As well as other factors).

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Oklahoma Farmers Union State Farm OK Farm Bureau Mercury Allstate 1020304050607080$25$52$33$62$50$70$50$74$59$86

Your Age

The less experience you have behind the wheel, the more likely you are to get into an accident. Insurance companies have decades of data proving this unfortunate fact. And if you are more likely to get into an accident, your insurance company will protect itself against that risk by charging you higher rates, as you can see in the chart below.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Oklahoma Farmers Union State Farm OK Farm Bureau Mercury Allstate 50100150200250300350$39$90$39$148$67$256$56$361$65$160

Your Driving Record

A speeding ticket here, a fender-bender there, and they can really pile up when it comes to insurance premiums. Luckily, providers have started offering Accident Forgiveness discounts for drivers with one or more minor violations. However, this forgiveness policy is less likely to apply to serious violations, such as DUI or Reckless Driving.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Oklahoma Farmers Union State Farm OK Farm Bureau Mercury Allstate 20406080100120140160$39$38Do Not Sell$51$39$42$42$45$67$84$160$88$56$68$64$79$65$68$77$81

Your Vehicle

If you have a common, inexpensive car, it will be much easier to fix or replace should the worst happen than an expensive, luxury vehicle. And an inexpensive car doesn’t require an extensive, comprehensive insurance policy.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Oklahoma Farmers Union State Farm OK Farm Bureau Mercury Allstate 20406080100120140160$39$116$39$127$67$173$56$154$65$173

Minor Car Insurance Factors in Norman

Below are some minor factors that might be harder to alter, or might not make as big of an impact on your monthly premium:

Your Marital Status

Want to know how married couples can save on automobile insurance? By bundling, that’s how. When you and your spouse bundle your policies together, you can get some serious savings. And if you have other forms of insurance – such as homeowners, or renters insurance – you can save even more by bundling those as well.

Your Gender

For most insurance providers, there is little more than a 1-3% difference in rates between men and women – if they charge a different rate at all. In the grand scheme of things, all other factors being equal, your gender doesn’t make it significantly more or less likely to get into an accident.

Your Driving Distance to Work

Driving times in Norman are below average for Oklahoma, with most commutes only lasting between 9 to 18 minutes each trip. Around 81% of motorists will prefer to take their own truck or car from one place to another in order to get around, while 7-22% may carpool.

Some insurers want to make a big deal out of how many miles you drive yearly, or why you’re driving (work/school vs. recreation). But in truth, unless you’re driving a business vehicle (which can see rate hikes as high as 10%) or more, your reason or distance won’t drastically alter your rate.

Your Coverage and Deductibles

Of course, there are ways to save on your monthly premiums while increasing the amount of coverage you can purchase. By contacting your provider and raising your deductible, you can lower your monthly payments. But this means that your upfront expenses will be higher if you do have to file a claim.

Education in Norman, OK

Because Norman is a college town, it should come as no surprise that a whopping 23% of residents possess a bachelor’s degree. Such information will come in handy when you start your next car insurance policy, because college graduates save more on average than other motorists on their auto insurance rates. And additional 20% of citizens have a high school diploma.

The University of Oklahoma is the largest public university in the state and predates Oklahoma statehood. It enrolls an average of 30,000 students each year and is technically classified as a “research university” with a heavy emphasis on athletic programs. Also, for prospective students who want a valuable degree but don’t have the time or money to spend on a four-year college, look no further than the Moore Norman Technology Center.

Finding inexpensive car insurance may end up being a problem. There’s lots of information drivers need to contemplate, and determining the way in which insurance companies examine your possible risk could be extremely tricky. But don’t permit an expensive insurance agency to talk you into buying the wrong policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Oklahoma Insurance Department

Oklahoma Office of Management and Enterprise Services

Department of Highway Safety and Motor Vehicles

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