Cheapest Auto Insurance in Lawton, Oklahoma (2026)
State Farm offers the cheapest car insurance in Lawton, with minimum-coverage policies as low as $33 per month.
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Written byElizabeth Rivelli
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Elizabeth RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
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Reviewed byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
The average monthly cost of car insurance in Lawton, Oklahoma, is $118, which is comparable to the state average of $120 per month and the national average of $140 per month.
Some factors that contribute to Lawton’s average car insurance premium include its relatively low population and number of vehicle thefts compared to other cities and counties in the state.[1]
Quick Facts
The average cost of car insurance in Lawton is $76 per month for liability insurance and $160 per month for full coverage.
Lawton drivers must carry at least 25/50/25 in liability insurance.[2]
Drivers in Lawton with bad credit pay almost twice as much for car insurance as drivers with excellent credit.
Cheapest car insurance companies in Lawton
Plenty of highly rated car insurance companies are available in Lawton. However, the best car insurance company for you will depend on your individual situation, coverage needs, and budget. Various factors like your ZIP code, credit score, driving record, and age affect the cost of your car insurance policy.
Best insurer for low rates: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $33/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $76/mo |
4.0
Best choiceBased on 17,132 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 25 Oklahoma reviews for Lawton driversSee all 7,397 State Farm reviews
Verified Review
Reviewed in Oklahoma on April 2, 2026
No problem with them. I've been with them for close to 60 years.
Verified Review
Reviewed in Oklahoma on April 1, 2026
Too expensive, rates go up way too much in a short time!
Verified Review
Reviewed in Oklahoma on March 21, 2026
State Farm had been very reliable, but the cost continued to go up.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm has some of the lowest rates in Lawton. In addition, State Farm offers excellent discounts, including savings for young drivers. The company is also rated above average for customer satisfaction by J.D. Power in the Central region. One of the only downsides to State Farm is that it offers few endorsements for additional coverage.
Pros
Relatively affordable rates
High J.D. Power customer satisfaction rating
Cons
Few available endorsements for customization
Gap insurance not available
Best insurer for military families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $42/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $95/mo |
4.9
Best choiceBased on 3,426 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 10 Oklahoma reviews for Lawton driversSee all 1,532 USAA reviews
Verified Review
Reviewed in Oklahoma on March 28, 2026
I must say, honestly, I like the coverage. It's just not affordable for my budget, being that I'm a disabled widow of a veteran.
Verified Review
Reviewed in Oklahoma on January 17, 2026
USAA has been really good on the car side but needs a little more attention when you have a possible home issue. They, however, did lower our rates when I asked them for some help on that particular subject. Maybe I should have given them four stars instead of five, but I took everything into consideration and decided they deserved five stars! We have been with them for over five years, so I just thought back on how it has been over the last five years, and I can honestly say I haven’t had any problems!
Verified Review
Reviewed in Oklahoma on January 3, 2026
The home insurance section is excellent, but the car insurance costs way too much.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA is a great car insurance company for Lawton drivers affiliated with the military, including people who work at Fort Sill Base. USAA exclusively sells car insurance to active-duty and retired military personnel, as well as their immediate family members. USAA stands out for its affordable premiums and wide selection of available discounts for additional savings.
Pros
Many available discounts
Strong third-party ratings
Cons
Civilians don’t qualify for coverage
Few available car insurance endorsements
Best insurer for discounts: GEICO
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $78/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $168/mo |
3.9
A solid optionBased on 17,373 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 11 Oklahoma reviews for Lawton driversSee all 7,613 GEICO reviews
Verified Review
Reviewed in Oklahoma on April 3, 2026
I just got it, but it's very reasonable compared to Geico.
Verified Review
Reviewed in Oklahoma on March 11, 2026
I bought a new vehicle and expected to see a reduction in premiums, but I was wrong. My policy more than doubled.
Verified Review
Reviewed in Oklahoma on March 4, 2026
I informed them that they had my lot number wrong, and now I have to pay $25 more a month.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
If you’re looking for a car insurance company with the best discounts, consider GEICO. It offers savings for accident-free drivers, good students, military personnel, federal employees, affinity group members, insuring a car with airbags or anti-lock brakes, bundling multiple policies, and many others. GEICO also has relatively affordable average rates.
Pros
Many available discounts with generous savings
Superior financial stability
Cons
Below-average J.D. Power customer satisfaction rating in the Central region
Few available customizable add-on options
How to get the cheapest car insurance in Lawton
Car insurance companies use factors like your age, location, vehicle type, gender, credit score, driving record, and more to calculate car insurance premiums.
However, drivers in Lawton can lower their car insurance premiums in a number of ways. Here are some tips for getting cheap car insurance in Lawton:
Choose high deductibles. Picking higher deductibles usually results in lower monthly premiums. Just make sure you can afford the out-of-pocket costs if you ever file a claim.
Pay your premium in full. Most car insurance companies will give you a small discount if you pay your annual premium up front in one lump sum.
Bundle your policies. You can often get significant savings for bundling multiple policies with the same insurer, like car insurance with homeowners insurance, renters insurance, or life insurance.
Compare rates. Comparing insurance quotes from different companies will help you see which insurance company can offer you the lowest rate for your situation and coverage needs.
Find Car Insurance in Lawton, Oklahoma
Liability rates start at $33 per month
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Cheapest liability-only car insurance in Lawton: State Farm
Liability-only car insurance covers your legal and financial responsibilities when you cause an accident that injures someone or damages their property. Liability-only insurance doesn’t cover your medical expenses or your vehicle damages.
State Farm has the cheapest liability-only insurance in Lawton, at $33 per month.
In the table below, you can see the cheapest car insurance companies in Lawton for liability-only insurance.
The below rates in Lawton, OK, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company  | Average Monthly Quote |
|---|---|
| State Farm | $33 |
| USAA | $42 |
| Allstate | $46 |
| Progressive | $55 |
| Mercury | $58 |
| National General | $66 |
| The General | $68 |
| Farmers | $71 |
| AssuranceAmerica | $73 |
| Safeco | $77 |
| GEICO | $78 |
| Bristol West | $89 |
| Root | $91 |
| GAINSCO | $98 |
| CSAA | $99 |
| Shelter | $99 |
| Direct Auto | $101 |
| Liberty Mutual | $149 |
Disclaimer: Table data sourced from real-time Lawton car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Lawton may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Lawton: State Farm
Full-coverage car insurance offers more protection than a liability-only policy. It includes third-party liability coverage, collision, comprehensive, and medical payments coverage. Some full-coverage auto policies also provide uninsured/underinsured motorist insurance and personal injury protection (PIP).
A full-coverage policy isn’t required for most drivers, but it’s often a requirement for drivers who lease or finance their vehicles. If you own your vehicle outright, a full-coverage insurance policy provides valuable protection, especially if you can’t afford to pay for vehicle repairs out of pocket after an accident.
On average, full-coverage policies in Lawton cost $160 per month, but the cheapest insurer is State Farm.
The table below shows which car insurance companies in Lawton have the cheapest full-coverage premiums.
The below rates in Lawton, OK, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $76 |
| USAA | $95 |
| Allstate | $104 |
| Progressive | $121 |
| Mercury | $128 |
| National General | $136 |
| AssuranceAmerica | $140 |
| Root | $147 |
| Safeco | $155 |
| Farmers | $160 |
| GEICO | $168 |
| CSAA | $172 |
| The General | $189 |
| Direct Auto | $193 |
| Bristol West | $218 |
| Shelter | $224 |
| Liberty Mutual | $239 |
| GAINSCO | $278 |
Disclaimer: Table data sourced from real-time Lawton car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Lawton may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Lawton, Oklahoma drivers
Drivers using Insurify have found quotes as cheap as $43/mo for liability only and $77/mo for full coverage in Lawton and other Oklahoma cities.
*Quotes generated for Insurify users in and around Lawton, Oklahoma within the last 10 days. Last updated on April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 16, 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 April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Oklahoma
Car insurance is a legal requirement for all vehicle owners in Oklahoma. Lawton drivers must carry at least 25/50/25 in personal liability insurance.
However, the Oklahoma Insurance Department (OID) recommends that drivers purchase higher coverage limits of at least 100/300/100 for the most protection in the event of an at-fault accident.[2]
Oklahoma is a tort — or at-fault — state. In a tort state, the at-fault driver is responsible for compensating third parties for their bodily injuries and property damage losses.
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
In addition to the minimum required coverages, many Lawton drivers can benefit from optional coverages. Here are some add-on coverages that many insurers sell:
Comprehensive coverage
Comprehensive coverage pays for vehicle repairs and damages from non-accident events like theft, vandalism, falling objects, weather events, and more.
Collision coverage
Collision coverage pays for your vehicle repairs and damages after you hit a stationary object or another vehicle, regardless of fault.
Roadside assistance coverage
Roadside assistance coverage pays for basic roadside services like fuel delivery, flat-tire changes, and towing.
Gap insurance
If you lease or finance your car and your insurer declares it a total loss after a covered claim, gap insurance will pay the difference between the car’s value and the loan balance.
Accident forgiveness
Accident forgiveness waives your first at-fault accident so it won’t increase your car insurance premium.
)
Is Accident Forgiveness Insurance Worth It?
April 16, 2026
Cheapest car insurance for drivers with an incident
Drivers with a clean record usually pay the lowest rates for car insurance.
If you have an incident on your record, such as speeding tickets or at-fault accidents, you’ll likely pay more expensive rates for car insurance because you’re riskier to insure. More serious traffic violations like driving under the influence (DUI) typically have the biggest effect on car insurance premiums.
You can see the cheapest car insurance companies in Lawton for drivers with an incident on their record in the table below:
The below rates in Lawton, OK, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| State Farm | $33 | $43 | $43 | $44 |
| USAA | $42 | $55 | $56 | $56 |
| Allstate | $46 | $61 | $61 | $61 |
| Progressive | $55 | $72 | $71 | $67 |
| Mercury | $58 | $82 | $86 | $82 |
| The General | $68 | $93 | $93 | $87 |
| Farmers | $71 | $93 | $94 | $95 |
| AssuranceAmerica | $73 | $95 | $96 | $97 |
| Safeco | $77 | $103 | $106 | $109 |
| GEICO | $78 | $104 | $101 | $103 |
| Bristol West | $89 | $115 | $116 | $119 |
| GAINSCO | $98 | $120 | $124 | $131 |
| Root | $91 | $124 | $121 | $122 |
| Direct Auto | $101 | $130 | $136 | $135 |
| CSAA | $99 | $132 | $147 | $132 |
| Shelter | $99 | $134 | $133 | $133 |
| Liberty Mutual | $149 | $194 | $196 | $199 |
Disclaimer: Table data sourced from real-time Lawton car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Lawton may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Age is another factor that can affect your car insurance premium. Newly licensed young drivers generally pay the most expensive auto insurance rates because they lack experience on the road and have higher accident rates than older drivers.[3]
For most people, rates decrease around age 35 but increase around age 70. Older drivers have higher mortality rates in car accidents, and their age-related physical declines can affect driving capabilities.[4]
The table below shows the average cost of car insurance for drivers in Lawton based on age.
Age | Average Monthly Quote |
|---|---|
| Teens | $359 |
| 20s | $244 |
| 30s | $182 |
| 40s | $164 |
| 50s | $146 |
| 60s | $142 |
| 70s | $151 |
Disclaimer: Table data is based on real-time Lawton quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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Lawton car insurance quotes by credit tier
In Oklahoma, car insurance companies can use your credit score to calculate your premium.[2] Drivers with excellent or good credit scores usually pay cheaper car insurance rates than drivers with poor credit scores.
Here are the average car insurance rates in Lawton for drivers based on credit tier.
Rates by Credit Tier
Category | Price |
|---|---|
| Excellent | $175 |
| Good | $194 |
| Fair | $213 |
| Poor | $310 |
Lawton car insurance FAQs
Understand how much car insurance you need before you buy a policy, and check out the answers to common questions about auto coverage in Lawton below.
How much is car insurance in Lawton?
The average cost of car insurance in Lawton is $76 per month for liability insurance and $160 per month for full coverage.
Which company has the cheapest car insurance in Lawton?
State Farm, USAA, and Allstate, have the cheapest liability insurance in Lawton, with rates of $33, $42, and $46 per month, respectively.
The best way to find cheap auto rates for you is to compare quotes from multiple car insurance companies. Get quotes from at least three insurers at the same coverage level to ensure an accurate comparison to see which one offers you the lowest rates for the coverage you need.
What are the best car insurance companies in Lawton?
A few of the best car insurance companies in Lawton include GEICO, State Farm, and USAA. These auto insurers have affordable rates, good customer satisfaction ratings, and high IQ Scores.
Sources
- Oklahoma State Bureau of Investigation. "Comanche County: Crimes Reported (UCR Index Crimes)."
- Oklahoma Insurance Department. "Auto Insurance: Common Myths."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
Methodology
Insurify data scientists analyzed more than 190 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Elizabeth RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Featured in
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Featured in
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969