Norman, OK, Car Insurance

The average full coverage car insurance in Norman costs $106 per month. Rates range from a low of $103 per month to as high as $418, depending on factors like vehicle type and driver details. The table below lists the average car insurance costs for different driver profiles to give drivers a clearer picture of what they might pay.

Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.

In Norman, the average cost for full coverage car insurance is $1,269 per year, while state minimum coverage costs $586 annually. These rates are higher than the Oklahoma averages of $1,234 for full coverage and $551 for minimum coverage.

While premiums may be rising in the Sooner State, you can still find affordable car insurance in Norman. Mercury offers the cheapest state minimum coverage at $24 per month. It also has the most expensive full coverage rate of $74 monthly.

Mercury often offers the cheapest car insurance for many drivers. However, rates can differ for each person. It's best to get quotes from several providers to find the most affordable option. Below is a table showing the cheapest car insurance rates for different driver profiles.

Finding the cheapest car insurance in Norman means comparing rates from different companies. Below are the most affordable options for state minimum and full coverage plans.

Mercury offers the cheapest minimum coverage auto insurance at $24 per month, followed by Progressive at $36 per month. The table below breaks down the most affordable options.

Mercury offers the cheapest full coverage car insurance in Norman at $74 per month. Below is a list of all providers and their rates.

We recommend getting quotes from several companies to find affordable car insurance in Norman. Mercury offers the cheapest rate of $588 annually and has the highest MoneyGeek score of 81 out of 100. Check out the table below for more options to consider in your search.

*Rates are for a 40-year-old driver with good credit and no driving violations.

Middle-aged drivers and younger seniors have the lowest car insurance rates at $1,269 per year for 40-year-olds and $1,233 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.

Allstate offers the cheapest overall car insurance for teens in Norman, with full coverage costing $156 per month — $33 cheaper than the state average. The table below also breaks down some of the most affordable providers in the city for this age group.

*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.

In Norman, Mercury offers the best minimum coverage for young drivers at $31 per month, while GEICO provides the lowest full coverage rate at $96 per month. Check the table below to find which providers offer the cheapest rates for different young driver profiles.

Mercury offers the most affordable auto insurance coverage for young drivers at $65 per month. The table below shows other companies with competitive rates.

*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.

Mercury and Progressive offer the cheapest car insurance options in Norman. However, remember that rates vary based on factors like driving history and credit score. Below is a table showing the most affordable providers for different driver and coverage profiles that may better fit you.

Progressive offers the cheapest monthly premium for seniors for minimum and full coverage at $51. Mercury is the second most affordable option at $57 per month. The table below shows the top car insurance providers for seniors in Norman.

*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.

In Norman, minimum and full coverage rates for high-risk drivers are more affordable than the state average. For instance, minimum coverage costs around $832 annually, while full coverage is $1,740. However, drivers with bad credit and DUIs tend to face the highest premiums. Meanwhile, accidents and speeding tickets have a smaller impact on insurance rates.

Mercury provides the cheapest minimum coverage for drivers with a DUI at $396 per year. Progressive offers the most affordable full coverage policy at $1,032 annually. Check out the table below to see other low-cost coverage options.

*Rates are for a 40-year-old driver with good credit and a DUI.

State Farm, Mercury and Oklahoma Farm Bureau offer the cheapest auto insurance after an at-fault accident in Norman. The table below shows different providers offering cheap car insurance coverage for drivers with an at-fault accident violation.

*Rates are for a 40-year-old driver with good credit an at-fault accident.

Mercury is the cheapest car insurance provider for drivers with a speeding ticket in Norman, offering rates of $34 for minimum coverage and $100 for full coverage. Check the table below to see how other providers charge drivers with a speeding ticket.

**Rates are for a 40-year-old driver with good credit and a speeding ticket.*

Mercury offers the most affordable rates for drivers with bad credit in Norman, at $31 for minimum coverage and $102 monthly for full coverage. See the table below for other affordable options.

*Rates are for a 40-year-old driver with bad credit and no driving violations.

In Oklahoma, each city must meet car insurance minimums set by statewide mandates. Here's what your policy needs at a minimum:

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

With minimum coverage, if you cause an accident, your insurance will cover up to $25,000 for injuries to one person, $50,000 for all injuries in the accident and $25,000 for property damage. This protects you from paying out of pocket for these costs.

Mercury offers the cheapest car insurance in town, with minimum coverage at $24 and full coverage at $74 monthly. You'll find coverage that fits your budget regardless of your age or credit. Remember that your policy must also include Oklahoma's required coverage. By comparing quotes, you can secure affordable rates that comply with state law.

This section offers quick answers to common questions about finding affordable and best car insurance options in Norman.

MoneyGeek conducted an analysis of Norman auto insurance prices using data from the Oklahoma Insurance Department and Quadrant Information Services.

Norman Driver Profile

To assess the best and most affordable auto insurance options for Norman residents, MoneyGeek used the following sample driver profile:

• 40-year-old male
• Clean driving history
• 2012 Toyota Camry LE
• 12,000 miles driven per year

By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.

Coverage Levels in Norman

In assessing the car insurance quotes for Norman, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Oklahoma's mandated liability insurance parameters:

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

To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• Comprehensive and collision coverage with a deductible of $1,000

MoneyGeek’s Scoring System

MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, affordability, claims management, coverage options and financial stability.

Insurers received scores as indicated below, with a total possible score of 100 points:

• General customer satisfaction (up to 35 points)
• Affordability (up to 30 points)
• Claims experience (up to 20 points)
• Essential coverages (up to 10 points)
• Financial stability (up to five points)

MoneyGeek’s Sources

To gauge rates and assess the best service experiences among Oklahoma providers, MoneyGeek utilized six sources:

• Quadrant Information Services provided actual policy quotes in Norman
• J.D. Power's studies and the NAIC index contributed to the assessment of customer service
• Claims experience metrics came from J.D. Power and the CRASH Network’s report card
• AM Best and Demotech offered financial stability insights through their ratings

MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Norman.