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Cheap Auto Insurance Quotes in Lawton, OK (May 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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Quick Facts

  • The average cost of car insurance in Lawton is $157 per month, or $1884 annually.
  • Car insurance in Lawton is $8 less than the average cost of car insurance in Oklahoma.
  • The cheapest car insurance provider in Lawton on average is Traders, but you should always compare quotes to find your best personal rate.

Car Insurance in Lawton, 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 Lawton, OK to find you the cheapest quotes in the area.

Quotes by Top Companies

State Farm
$65
Progressive
$137
Travelers
$138
The General
$176
Liberty Mutual
$228

Cheapest Car Insurance in Lawton, 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!
Insurance Provider in LawtonQuotes
State Farm$65 /mo
Progressive$137 /mo
Travelers$138 /mo
The General$176 /mo
Liberty Mutual$228 /mo

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Average Car Insurance Cost

Oklahoma Cities
Oklahoma City$185/mo
Tulsa$168/mo
Norman$180/mo
Broken Arrow$164/mo
Lawton$149/mo
Oklahoma$169/mo
Lawton
$149
Broken Arrow
$164
Tulsa
$168
Average for OK
$169
Norman
$180
Oklahoma City
$185
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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 Lawton agents

  • Carstensen Insurance 

    1901 W Gore Blvd Ste A,
    Lawton, OK 73501-3630
  • McBride Insurance Agency Inc 

    1416 NW 52nd St,
    Lawton, OK 73505-3417
  • 'Floyd''s Insurance Agency LLC '

    1306 NW 53rd St,
    Lawton, OK 73505-4648
  • Insurica of Lawton 

    10 SW 2nd,
    Lawton, OK 73501-4027
  • Smith & Sons Ins Agency Inc 

    716 W Gore,
    Lawton, OK 73501-3717
  • Dismuke Ins and Investments Inc 

    507 N Sheridan Rd,
    Lawton, OK 73505-6507
  • All About Auto Insurance

    1304 SW Lee Blvd,
    Lawton, OK 73501
  • Farm Bureau Insurance

    502 SW 11th St,
    Lawton, OK 73501
  • Humble Insurance Agency

    1103 NW 67th St,
    Lawton, OK 73505
  • Chris Middick - State Farm Insurance Agent

    6211 W Gore Blvd,
    Lawton, OK 73505
View more

Most Patriotic City

Lawton

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Lawton won Insurify's Most Patriotic Cities Award for the state of Oklahoma. Lawton is located just south of the famed Fort Sill, which is itself a National Historic Landmark.

FAQs - Lawton, OK Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

Compare Car Insurance Quotes Instantly

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Methodology

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.

Insurify Insights

How Lawton Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Lawton, Oklahoma below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Lawton drivers measure up to their fellow motorists across Oklahoma in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Lawton

#8

City with the Most Speeding Tickets Rank in Oklahoma

#7

City with the Most Moving Violations Rank in Oklahoma

#8

City with the Most DUIs Rank in Oklahoma

#16

City with the Most Suspended Licenses in Oklahoma

  • 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. Lawton drivers rank 23 in the number of car accidents per driver across all cities in Oklahoma.

    • Rank within state: #23
    • Percent of drivers in Lawton with an accident: 5.86%
    • Drivers in Lawton, OK with an accident in their driving history pay on average 55.48% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Oklahoma, Lawton drivers rank 8 in the number of speeding infractions per driver.

    • Rank within state: #8
    • Percent of drivers in Lawton with a speeding ticket: 9.96%
    • Drivers in Lawton, OK with a speeding ticket in their driving history pay on average 40.41% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Lawton drivers rank 8 in the number of DUI’s per driver across all cities in Oklahoma.

    • Rank within state: #8
    • Percent of drivers in Lawton with a DUI: 1.56%
    • Drivers in Lawton, OK with a DUI in their driving history pay on average 6.16% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Lawton is the Ford F-Series Pickup.

  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Oklahoma, Lawton drivers rank 6 in rude driving infractions.

    • Rank within state: #6
    • Percent of drivers in Lawton with a reckless driving violation: 1.76%
    • Drivers in Lawton, OK with a reckless driving violation in their driving history pay on average 22.6% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Lawton drivers rank 2 in clean driving records across all cities in Oklahoma.

    • Rank within state: #2
    • Percent of drivers in Lawton with clean record: 84.28%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Lawton drivers rank 8 in failure to yield violations per driver across all cities in Oklahoma.

    • Rank within state: #8
    • Percent of drivers in Lawton with a failure to yield violation: 0.29%
    • Drivers in Lawton, OK with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Oklahoma, Lawton drivers rank 6 in the number of reckless driving offenses per driver.

    • Rank within state: #6
    • Percent of drivers in Lawton with a reckless driving offense: 0%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Lawton drivers rank 13 in hybrid and electric vehicle ownership across all cities in Oklahoma.

    • Rank within state: #13
    • Percent of drivers in Lawton with a hybrid/electric vehicle: 0.56%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.

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