120+ more*Quotes generated for Insurify users in and around Lawton, Oklahoma within the last 10 days. Last updated on November 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lawton, Oklahoma within the last 10 days. Last updated on November 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
The average cost of car insurance in Lawton, Oklahoma, is $165 per month for full coverage and $74 per month for liability-only coverage.
Lawton has slightly lower rates than Norman, a suburb of Oklahoma City. Tulsa, the second-largest city in the state, has some of the highest average auto insurance rates in the Sooner State.
Lawton has lower rates than some other Oklahoma cities, partly because drivers have shorter commutes. The average commute time in Lawton is 16 minutes, compared to 23 minutes for drivers in Norman. The statewide average is around 22 minutes.[1]
Check rates from top insurers in Lawton and save money in minutes
The cheapest car insurance company in Lawton for liability-only insurance is State Farm, with an average rate of $37 per month. The citywide average liability-only rate in Lawton is $74 per month. That’s about the same as the overall average cost in Oklahoma.
Oklahoma requires all drivers to have a minimum amount of car insurance. The Oklahoma car insurance requirements are $25,000 per person and $50,000 per accident of personal injury liability coverage, and $25,000 of property damage liability coverage.[2] Oklahoma requires insurers to offer uninsured motorist (UM) coverage, but you can decline it.
The table below shows insurers that offer cheap liability car insurance in Lawton.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $37 |
| USAA | $47 |
| Progressive | $53 |
| Mercury | $57 |
| The General | $62 |
| National General | $63 |
| AssuranceAmerica | $71 |
| Safeco | $72 |
| GEICO | $75 |
| Bristol West | $77 |
| Farmers | $78 |
| Root | $85 |
| GAINSCO | $90 |
| Direct Auto | $98 |
| Allstate | $100 |
| Shelter | $110 |
| CSAA | $123 |
| Liberty Mutual | $129 |
If you’re looking for cheap full-coverage car insurance in Lawton, State Farm has the lowest rates. The company’s premiums average $81 per month.
Progressive and USAA also offer low rates in the city.
Oklahoma doesn’t require drivers to have full-coverage insurance. But most insurance experts recommend it because it helps cover the cost of repairing or replacing your vehicle after an accident, theft, or weather damage. East Cache Creek, Squaw Creek, and Meadowbrook/Wolf Creek have a history of flooding, especially during spring and fall.[3]
The following table shows the cheapest rates for full-coverage car insurance in Lawton.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $81 |
| Progressive | $90 |
| USAA | $100 |
| Mercury | $128 |
| AssuranceAmerica | $131 |
| National General | $131 |
| Root | $138 |
| Safeco | $147 |
| GEICO | $151 |
| Farmers | $170 |
| CSAA | $175 |
| Allstate | $181 |
| The General | $181 |
| Bristol West | $190 |
| Direct Auto | $190 |
| Liberty Mutual | $216 |
| Shelter | $240 |
| GAINSCO | $257 |
Oklahoma City and Tulsa have the most expensive average car insurance costs in Oklahoma. Smaller cities, like Bartlesville and Enid, have some of the cheapest rates. Lawton’s overall average is $120 per month, which is close to the Oklahoma average of $127.
One reason auto insurance in Lawton is cheaper than in some major cities is that it has fewer fatal car accidents. Lawton had four fatal traffic crashes in 2023, compared with 101 in Oklahoma City and 75 in Tulsa.[4]
In the table below, you’ll find the average car insurance premium across Oklahoma cities.
City | Average Monthly Quote |
|---|---|
| Bartlesville | $96 |
| Enid | $99 |
| Ponca City | $101 |
| Muskogee | $105 |
| Stillwater | $106 |
| Ardmore | $113 |
| Norman | $123 |
| Tulsa | $129 |
| Oklahoma City | $142 |
Car insurance rates in Lawton can be expensive because the city faces frequent severe weather. In addition to flooding, Lawton experiences thunderstorms, some of which can drop multiple inches of rain in just one day.
Tornadoes are also a concern. While the last significant tornado hit Lawton in 1979 — an F3 that injured 100 people — the area has experienced multiple tornadoes since then.[5]
*Quotes generated for Insurify users in and around Lawton, Oklahoma within the last 10 days. Last updated on November 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lawton, Oklahoma within the last 10 days. Last updated on November 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving history affects your car insurance quotes in Lawton. Here are the cheapest car insurance companies for Lawton drivers with different records:
Cheapest car insurance for Lawton drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Lawton: State Farm
Cheapest car insurance for Lawton drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Lawton: State Farm
More than 4% of Lawton drivers have a speeding ticket on their record, and 3% have an at-fault accident, based on Insurify data. About 1% of drivers in Lawton have a driving under the influence (DUI) conviction on their record.
After a first DUI in Oklahoma, you can face up to $2,500 in fines, license suspension for up to one year, and one to five years in jail.[6] If your blood alcohol content (BAC) is 0.15% or higher at the time of arrest, the state requires you to install an ignition interlock device in every vehicle you own.
The table below shows average car insurance rates for Lawton drivers with different records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $120 |
| Speeding ticket | $155 |
| At-fault accident | $154 |
| DUI | $151 |
If you’re a current Lawton resident or are planning a move to the Lawton-Fort Sill area, here are some things to keep in mind while driving:
Uninsured drivers: Oklahoma requires drivers to have car insurance, but 12% of drivers are uninsured.[7] Lawton drivers can benefit from uninsured/underinsured motorist (UM/UIM) coverage for more financial protection, especially in a hit-and-run.
Signature events: If you’re visiting Lawton for a popular event, like the Armed Forces Day Parade or the Lawton Rangers Rodeo, you might face more traffic congestion than normal, so it’s a good idea to allow for extra time.
Fort Sill: If you live on base at Fort Sill, you may not need a car. The Lawton Area Transit System (LATS) operates a shuttle between Fort Sill and downtown Lawton for $1.50 each way.
Lawton has lighter traffic than the biggest metros in Oklahoma, but it depends on where in the city you’re driving. The west side of Lawton generally has heavier traffic than the east side, which tends to be quieter. The most congested roads are Interstate 44, which is the most direct route into Oklahoma City, and U.S. Route 62.
Higher rates of traffic in an area can increase rates. That’s because more drivers on the road usually mean a higher risk of accidents and more insurance claims.
In September 2026, the Oklahoma Department of Transportation (ODOT) started construction on the westbound bridge over the East Cache Creek. During the project, traffic will be one lane in both directions, so drivers should allow for more time when crossing the bridge.[8] The city expects to wrap up the project in April 2027.
Compare quotes in the city, starting at an average of $37 per month
The average cost of car insurance for teen drivers in Lawton is $310 per month for full coverage and $139 per month for liability-only coverage. The cheapest Lawton car insurance for young drivers is through State Farm.
Insurers consider teen drivers in Oklahoma riskier to insure than more experienced drivers. About 25% of 16-year-olds in Oklahoma either get a ticket or get into an accident within their first year behind the wheel.[9]
In the table below, you’ll find the cheapest car insurance quotes in Lawton for teenage drivers.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $72 |
| USAA | $87 |
| Progressive | $100 |
| Mercury | $104 |
| The General | $113 |
| National General | $125 |
| Root | $130 |
| GEICO | $137 |
| Bristol West | $137 |
| AssuranceAmerica | $148 |
| Safeco | $149 |
| Farmers | $157 |
| GAINSCO | $159 |
| Allstate | $188 |
| Direct Auto | $193 |
| Shelter | $219 |
| Liberty Mutual | $228 |
| CSAA | $291 |
The cheapest car insurance company in Lawton for senior drivers is State Farm, with an average rate of $30 per month for state-minimum coverage.
Just 12% of drivers in Lawton are older than 65, but Oklahoma ranks No. 5 in the country for fatal crashes involving drivers age 65 and older.[10]
The following table shows the cheapest car insurance in Lawton for seniors.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $30 |
| USAA | $40 |
| Mercury | $47 |
| Progressive | $49 |
| National General | $52 |
| The General | $55 |
| AssuranceAmerica | $58 |
| GEICO | $62 |
| Farmers | $64 |
| Safeco | $65 |
| Bristol West | $67 |
| GAINSCO | $80 |
| Root | $81 |
| Shelter | $83 |
| Direct Auto | $83 |
| Allstate | $93 |
| CSAA | $95 |
| Liberty Mutual | $111 |
If you’re looking for the cheapest car insurance quotes in Lawton, here’s some additional information to help you compare policies and prices.
The average car insurance policy in Lawton costs $120 per month. Full coverage costs an average of $165 per month, and liability-only insurance averages $74 per month. But the most affordable car insurance in Lawton depends on several factors. Getting personalized quotes can help you find the cheapest policy for your situation.
State Farm has the cheapest car insurance in Oklahoma. Its monthly premium averages $40 for state-minimum coverage.
Oklahoma requires Lawton drivers to have 25/50/25 of personal liability insurance. That includes $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $25,000 of property damage liability coverage.
Lawton’s frequent severe weather may increase car insurance rates. But the city’s relatively light traffic helps reduce costs. Lawton car insurance companies also consider a variety of personal factors when setting rates, including your age, driving record, vehicle, and ZIP code.
To get more affordable car insurance in Lawton, Oklahoma, you can compare rates from multiple insurers. Many insurers also offer various discounts. Increasing your deductible can lower your rates, but make sure you can afford the extra out-of-pocket costs if you file a claim.
Insurify data scientists analyzed more than 250 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 500+ 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:
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5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
