120+ more*Quotes generated for Insurify users in and around Norman, 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 Norman, 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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Plutus Award winner
Over 12 years writing about insurance and personal finance
Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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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
Liability-only car insurance costs an average of $86 per month in Norman, Oklahoma. Full coverage costs an average of $159 per month.
Insurance rates in Norman are among the highest average rates in Oklahoma. Only Tulsa and Oklahoma City drivers typically pay higher rates than Norman drivers, partly because they have substantially larger populations than Norman. More people usually means more drivers on the road, longer commutes, and a higher likelihood of accidents.[1]
For example, Norman drivers have an average commute of 24 minutes. But drivers in Bartlesville, which has some of the cheapest rates in Oklahoma, have an average commute of only 18 minutes.
Get personalized quotes from top insurers in the city and save money in minutes
Liability insurance provides the minimum coverage required by the state of Oklahoma. It helps pay for injuries and damage you cause to others in an accident.
Oklahoma’s minimum insurance requirements include bodily injury liability coverage and property damage liability coverage.[2]
Norman residents looking for cheap liability insurance may want to request a quote from State Farm. The company offers the lowest average rates in the city, averaging $38 per month.
In the table below, you’ll find the cheapest liability-only car insurance companies in Norman.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $38 |
| USAA | $48 |
| Progressive | $55 |
| Mercury | $59 |
| The General | $63 |
| National General | $64 |
| AssuranceAmerica | $73 |
| Safeco | $74 |
| GEICO | $77 |
| Bristol West | $79 |
| Farmers | $80 |
| Root | $87 |
| GAINSCO | $92 |
| Direct Auto | $101 |
| Allstate | $103 |
| Shelter | $113 |
| CSAA | $126 |
| Liberty Mutual | $132 |
Full-coverage car insurance typically adds collision and comprehensive coverage on top of liability coverage. Comprehensive and collision coverage help pay for damage to your vehicle from an accident, theft, or severe weather. But that additional coverage comes at an extra cost. Norman drivers pay an average of $159 per month for full coverage.
Norman, Oklahoma, is vulnerable to tornadoes and experienced a storm with wind gusts of 111–135 mph as recently as 2023.[3] Norman also experiences flooding when the Canadian and Little rivers rise during heavy rainfall.[4] A full-coverage policy in Norman can help protect your finances from severe weather damage to your vehicle.
The table below lists the cheapest full-coverage car insurance companies in Norman.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $83 |
| Progressive | $93 |
| USAA | $103 |
| Mercury | $131 |
| AssuranceAmerica | $135 |
| National General | $135 |
| Root | $142 |
| Safeco | $150 |
| GEICO | $155 |
| Farmers | $175 |
| CSAA | $180 |
| Allstate | $185 |
| The General | $185 |
| Bristol West | $194 |
| Direct Auto | $194 |
| Liberty Mutual | $222 |
| Shelter | $246 |
| GAINSCO | $264 |
With a population of 131,000, Norman is the third-largest city in Oklahoma. It’s also the third-most expensive city in the state for car insurance, trailing Oklahoma City and Tulsa.
Norman’s population density is lower than Bartlesville’s, which has the state’s lowest car insurance rates. Norman has only 716 residents per square mile, compared to approximately 1,645 residents per square mile in Bartlesville. But the Norman Police Department recorded nearly 4,300 automobile collisions in 2025 alone.[5]
Additionally, Insurify data shows that 5% of Norman drivers have an at-fault accident on their record. Even if you haven’t been in an accident, Norman’s collision rate increases the likelihood that you’ll need to file a claim. More claims lead to higher car insurance rates.
In the table below, you’ll find the average monthly quotes for many Oklahoma cities.
City | Average Monthly Quote |
|---|---|
| Bartlesville | $96 |
| Enid | $99 |
| Ponca City | $101 |
| Muskogee | $105 |
| Stillwater | $106 |
| Ardmore | $113 |
| Lawton | $120 |
| Tulsa | $129 |
| Oklahoma City | $142 |
The cost of car insurance in Norman is higher than the overall average cost in Oklahoma. Various factors contribute to the prices Norman residents pay for auto insurance. Norman has a high number of drivers with at-fault accidents on their records. More accidents in an area increase the likelihood of filing a claim, which drives up rates.
Norman is also vulnerable to inland flooding. Homeowners, renters, and condo insurance usually don’t protect your car in the event of a flood. That’s why Norman participates in the National Flood Insurance Program (NFIP) to help ensure all residents have the flood protection they need.
Norman’s location in Tornado Alley also factors into the cost of your car insurance. Tornadoes can cause extreme damage, even those with a small footprint. Norman also experiences hailstorms. Frequent severe weather increases comprehensive claims, making insurance more expensive.
*Quotes generated for Insurify users in and around Norman, 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 Norman, 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.
Drivers with a clean record pay some of the lowest car insurance rates. But drivers with a speeding ticket, an at-fault accident, or a driving under the influence (DUI) conviction on their driving record usually pay more for coverage.
Check out the cheapest insurers for different driving records in Norman:
Cheapest car insurance for Norman drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Norman: State Farm
Cheapest car insurance for Norman drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Norman: State Farm
In Norman, 5% of drivers have a speeding ticket, and 5% have an at-fault accident. About 1% have a DUI on their driving record, according to Insurify data.
Speeding tickets in Norman carry fines ranging from $5 per mile over the speed limit, plus court costs, up to a maximum of $750 and 60 days in jail.[6] The state of Oklahoma also imposes steep penalties on anyone caught driving while intoxicated, including fines of up to $10,000, required interlock usage, and even jail time.
In addition, Oklahoma is an at-fault insurance state, which means the at-fault driver in an accident is financially responsible for the damages. The good news for safe drivers in the Sooner State is that Oklahoma law prohibits an insurer from raising your premiums for accidents where you’re not at fault.[7]
Check out the average rates for Norman car insurance by driving record in the table below.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $123 |
| Speeding ticket | $159 |
| At-fault accident | $158 |
| DUI | $155 |
Here are some tips for Drivers in Norman to keep in mind:
Game-day traffic: Norman is home to the University of Oklahoma, and more than 100,000 visitors descend on Norman every game day. While the additional tourism revenue is great for the city, the added traffic congestion and parking difficulties can make driving in Norman more difficult.
Snow removal: Although Norman averages only 5 to 9 inches of snow per year, winter weather can affect drivers. The city prioritizes snow removal on main roads, while the Oklahoma Department of Transportation focuses on clearing state roads. This staggered removal may make it difficult for Norman drivers to navigate snowy weather.
Flood hazards: Parts of Norman may flood after heavy rain, especially along the Canadian and Little rivers. Parts of downtown Norman — specifically the area south of Lahoma Avenue between West Main Street and West Symmes Street — also have localized drainage problems that can cause flooding.
Drivers in Norman have an average daily commute of 24 minutes, which is slightly higher than the Oklahoma average. Many Norman residents commute to nearby Oklahoma City for work, a trip of about 30 minutes on Interstate 35.
That said, the University of Oklahoma and its widely beloved football team also affect traffic congestion in Norman. The streets and intersections around campus can experience greater congestion on game days and during the academic year.
The longer-than-average commute and the heavier traffic congestion near campus both contribute to higher insurance rates. Both factors increase the likelihood that you’ll need to file a claim.
Compare quotes from Norman’s top insurers, starting at $38 per month
State Farm has the cheapest average car insurance for teenage drivers in Norman. Young drivers typically pay the highest average rates of any age because they have less experience behind the wheel.
Approximately 17% of Norman’s residents are younger than 18, according to U.S. census data. In the table below, you’ll find the lowest car insurance rates for teens in Norman.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $74 |
| USAA | $88 |
| Progressive | $103 |
| Mercury | $108 |
| The General | $115 |
| National General | $127 |
| Root | $133 |
| GEICO | $141 |
| Bristol West | $141 |
| AssuranceAmerica | $152 |
| Safeco | $153 |
| Farmers | $161 |
| GAINSCO | $162 |
| Allstate | $193 |
| Direct Auto | $199 |
| Shelter | $225 |
| Liberty Mutual | $233 |
| CSAA | $298 |
Drivers aged 60 or older often pay the cheapest car insurance rates in Norman, Oklahoma. Liability policies for senior drivers average $80 per month, and full-coverage policies average $148 monthly.
About 15% of Norman’s population is age 65 or older, a relatively small portion of the city’s population. The table below lists the cheapest rates for senior drivers in Norman.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $31 |
| USAA | $41 |
| Mercury | $48 |
| Progressive | $51 |
| National General | $52 |
| The General | $56 |
| AssuranceAmerica | $59 |
| GEICO | $64 |
| Farmers | $66 |
| Safeco | $67 |
| Bristol West | $69 |
| GAINSCO | $82 |
| Root | $83 |
| Shelter | $85 |
| Direct Auto | $86 |
| Allstate | $96 |
| CSAA | $97 |
| Liberty Mutual | $114 |
If you’re looking for the best car insurance in Norman, Oklahoma, the answers to the following common questions can help.
Oklahoma requires drivers to have $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $25,000 per accident of property damage liability coverage.
Car insurance in Norman costs an average of $123 per month. Liability-only insurance costs $86 per month, and full coverage averages $159, Insurify data shows.
State Farm has the cheapest auto insurance in Norman, with liability rates averaging $38 per month, according to Insurify data. But how much you pay for car insurance depends on several factors, including your driving record, age, and ZIP code.
Comparing auto quotes from multiple insurers is one of the best ways to find an affordable car insurance policy in Norman. You can also choose minimum coverage and qualify for discounts to lower your rates.
Located in the center of Tornado Alley, Norman experiences severe storms, hail, and snow that can increase car insurance rates. In addition, tourist traffic for University of Oklahoma football games increases congestion and the likelihood of collisions. Personal details, including your age, location, and vehicle, also affect your car insurance rates in Norman.
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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Plutus Award winner
Over 12 years writing about insurance and personal finance
Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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.
