Cheapest and Best Car Insurance in Norman, OK (2024)

In Norman, Oklahoma, Mercury has the cheapest minimum coverage car insurance, while GEICO has the most affordable full coverage. Allstate is best for families with teen drivers. Shelter has the best customer service, but Mercury is the best overall because it’s affordable. The best insurance company depends on what matters to you.

Mercury offers the cheapest car insurance for minimum coverage in Norman.

• Mercury: $351 per year
• Progressive: $356 per year

Home State Insurance Group has the most expensive minimum coverage policy in the city, with an annual premium of $759. That's a $408 difference compared to Mercury's rate, highlighting the importance of comparing quotes to ensure you don't overpay for car insurance.

Oklahoma law requires car insurance for all drivers. The minimum coverage includes:

• $25,000 bodily injury per person
  
• $50,000 bodily injury per accident
  
• $25,000 property damage liability per accident
  

If you cause an accident and only have minimum coverage, your insurance will pay up to $25,000 for one person’s injuries and up to $50,000 for everyone hurt in the accident. If the injuries cost more, you’ll have to pay the difference.

GEICO is the cheapest full coverage car insurance cheapest option in Norman.

• GEICO: $937 per year
• Mercury: $1,020 per year

Home State Ins Group offers the most expensive full coverage car insurance, at $1,716 per year, which is $779 more than the cheapest option. Full coverage is more expensive because it includes comprehensive and collision coverage, which aren’t included in minimum coverage policies.

A full coverage policy includes comprehensive coverage for damage to your vehicle and collision coverage. It also comes with increased liability limits.

• Collision insurance covers your vehicle against accidents involving other vehicles, objects like trees or light poles, rollovers and pothole damage.
• Comprehensive insurance covers non-collision incidents that cause vehicle damage or loss, such as theft, natural disasters and collisions with animals like deer.

Selecting full coverage insurance is wise for new cars to protect your investment. For older vehicles, the cost of additional coverage outweighs the benefits, adding hundreds to your premiums. If you lease or loan a car, full coverage is required.

To know how much car insurance you need, weigh the pros of increased protection against the cost of higher premiums. This balance is crucial, as lower coverage could leave you underinsured.

In Norman, State Farm has the cheapest car insurance for drivers with various offenses. Here are the cheapest rates for each violation:

• Speeding ticket and DUI: $1,129 per year
• At-fault accident: $1,219 per year

Shelter has the highest rates for at-fault accidents, costing $2,569 annually. Oklahoma Farm Bureau has the highest rates for DUIs, costing $2,521 per year. State Farm’s rates for speeding tickets and DUIs are very similar, showing that the severity of the offense doesn’t always affect the price much.

Insurance rates usually increase after a traffic violation because it shows you’re more likely to get into an accident. In Norman, drivers with a speeding ticket might pay $1,977 per year, while those with a DUI could pay $2,257. If you have a bad driving record, compare insurance rates to find the best deal.

Allstate offers the cheapest car insurance for teens in Norman. Here are the lowest premiums for a policy covering two parents and a teenage driver:

• Allstate: $1,991 per year for female teens and $2,113 per year for male teens
• State Farm: $2,037 per year for female teens
• Progressive: $2,524 for male teens

Farmers has the most expensive teen family policy, with rates at $2,788 for females and $2,953 for males. The $797 difference between Allstate and Farmers for a female teen highlights the importance of shopping around, especially when insuring higher-risk teenage drivers.

In Norman and nearby cities, teens face much higher costs for individual car insurance policies compared to joining a family plan. An individual teen policy averages $7,009 per year, while adding a teen to a family plan costs about $2,604 — a difference of $4,405.

Insurers see inexperienced teen drivers as high-risk, leading to costly premiums. It’s also difficult for teens to qualify for a policy on their own. Parents should consider adding teens to their family plans for more affordable and accessible coverage.

USAA offers the cheapest car insurance for military backgrounds in Norman.

• USAA: $851 per year
• GEICO: $937 per year

With a longstanding commitment to the military community, USAA also offers services tailored to the unique needs of active-duty military members.

In Norman, comparing rates helps you save on car insurance. However, it can take about 15 minutes per insurer and up to over an hour for three or more companies. MoneyGeek's car insurance calculator can help make the process much easier. Enter key details like age, driving history, credit rating and coverage preferences to get an instant estimate.

Selecting the right auto insurance depends on how you prioritize factors like service, cost and coverage. Here are the top insurers based on MoneyGeek's analysis:

• Best overall: Mercury (MoneyGeek score 79 out of 100)
• Best for service: Shelter (MoneyGeek score 78 out of 100)
• Best cheap: Mercury (MoneyGeek score 83 out of 100)

Mercury is a good choice for car insurance because it’s affordable and has good coverage. Shelter has great customer service, but it might be more expensive. If you want both good service and a good price, Mercury is a good option.

Mercury offers the best car insurance in Norman.

• Mercury: MoneyGeek score of 79 out of 100 ($1,020 per year)
• State Farm: MoneyGeek score of 74 out of 100 ($1,030 per year)

Mercury's highest MoneyGeek score reflects its strong performance in affordability and customer satisfaction, which contribute significantly to its top position for full coverage policies.

Shelter has the best customer service for car insurance in Norman. This ranking is based on customer satisfaction, claims handling and coverage options, excluding cost.

• Shelter: MoneyGeek score of 78 out of 100 ($1,428 per year)
• Mercury: MoneyGeek score of 73 out of 100 ($1,020 per year)

Shelter excels in claims handling and offers extensive coverage options, making it a reliable option for those who prioritize dependable service after an incident.

Mercury is the best choice for cheap and reliable car insurance in Norman. It offers a good balance of cost efficiency, customer satisfaction and claims handling.

• Mercury: MoneyGeek score of 83 out of 100 ($351 per year)
• State Farm: MoneyGeek score of 75 out of 100 ($428 per year)

Mercury stands out for its affordability and solid customer service, providing excellent value for a minimum coverage policy.

Car insurance in Norman costs a bit more than the Oklahoma average. Drivers in Norman pay an average of $1,293 per year, while the state average is $1,288. Still, Oklahoma car insurance is significantly cheaper than the national average by $493.

Location matters for car insurance rates. Cities with higher accident or theft rates typically have higher premiums. For example, Tulsa has the most expensive car insurance in Oklahoma at $1,371, which is more than the state average. This shows that there can be a difference even within a state. Less crowded areas might have even lower rates due to less traffic.