Cheap Auto Insurance Quotes in Ardmore, OK (January 2022)

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Last Updated: January 2022

Car Insurance in Ardmore, OK

The average cost of Oklahoma car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Ardmore, OK to find you the cheapest quotes in the area.
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Cheapest Car Insurance in Ardmore, OK

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

OklahomaOklahoma CityTulsaNormanBroken ArrowArdmore
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Ardmore, OK Driving Facts


Minimum Car Insurance Requirements in OK

All motor All motor vehicles operated or parked on Oklahoma roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in Oklahoma are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Oklahoma state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Oklahoma law.

  • $25,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage property damage liability property damage liability coverage required in the state of Oklahoma is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Find local Ardmore agents

The Bramlett Agency 
1505 N. Commerce, Suite 104, Ardmore, OK 73401
Twyman Investment & Insurance Planning Services 
615 N Commerce, Ardmore, OK 73401
Rickets Fennell & Associates LLC 
130 B St SW, Ardmore, OK 73401-6218
Sullivan Insurance Agency - Ardmore 
321 W Broadway, Ardmore, OK 73401-6230
Arbuckle Insurance Group Inc. 
1407 W Broadway, Ardmore, OK 73401
Jordan Insurance Group 
619 Grand Ave, Ardmore, OK 73402-4340
Assuage Insurance Management LLC, DBA Riggs & Associates Group 
333 W Main Street, Suite 290, Ardmore, OK 73401
Insurance Solutions 
301 West Main #103, Ardmore, OK 73401-6324
Lincks Insurance Agency LLC 
623 Moore St SW, Ardmore, OK 73401-5259
Shinn Agency 
419 N Washington, Ardmore, OK 73401-6929

Insurify Insights: How Ardmore Drivers Measure Up

Nissan Altima
Most Popular Car in
Ardmore, OK
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Ardmore drivers measure up to their fellow Oklahoma motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Ardmore

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Ardmore drivers rank 12 in the number of car accidents per driver across all cities in Oklahoma.

  • Rank within state: #12
  • Percent of drivers in Ardmore with an accident: 8.45%
  • Drivers in Ardmore, OK with an accident in their driving history paid on average 27.14% more than drivers with a clean record

Speeding in Ardmore

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Oklahoma, Ardmore drivers rank 13 in the number of speeding infractions per driver.

  • Rank within state: #13
  • Percent of drivers in Ardmore with a speeding ticket: 8.94%
  • Drivers in Ardmore, OK with a speeding ticket in their driving history paid on average 62.86% more than drivers with a clean record

DUI/DWIs in Ardmore

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Ardmore drivers rank 1 in the number of DUI’s per driver across all cities in Oklahoma.

  • Rank within state: #1
  • Percent of drivers in Ardmore with a DUI: 2.42%
  • Drivers in Ardmore, OK with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Ardmore

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Ardmore is the Nissan Altima.

Hybrid/Electric Vehicle Ownership in Ardmore

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Ardmore drivers rank 8 in hybrid and electric vehicle ownership across all cities in Oklahoma.

  • Rank within state: #8
  • Percent of drivers in Ardmore with a hybrid/electric vehicle: 0.7%


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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