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3+ years experience in insurance and personal finance editing
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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Drivers in Norman pay an overall average of $165 per month for car insurance, which is slightly higher than the Sooner State average of $152.
Norman is the third most-most populouspopulous city in the state of Oklahoma, with around 129,000 residents. More drivers on the road in an area leads to an increased risk of accidents and property damage, which can explain the higher rates in Norman.
Quick Facts
State Farm, USAA, and Allstate offer the cheapest car insurance in Norman, on average.
Norman residents pay an average of $100 per month for liability coverage and $229 for full-coverage car insurance.
Oklahoma insurers can consider credit history when determining premiums.[1]
Cheapest car insurance companies in Norman
Your driving record, age, credit history, and more influence how much you pay for car insurance, and insurers calculate premiums in unique ways. Comparing insurance quotes from different companies is the best way to find the lowest rates for your coverage needs. While it pays to shop around, some car insurance companies offer lower premiums than others.
Below, you can start your search for low rates with three of the cheapest car insurance companies in Norman.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$62/mo
State Farm offers drivers in Norman the cheapest rates for both liability-only and full-coverage policies. In addition to cheap rates, the company earned an above-average J.D. Power customer satisfaction rating in the Central region.
Drivers have an opportunity to tap into additional savings by bundling their auto insurance policies with renters insurance, homeowners insurance, life insurance, or pet insurance.
Pros
Above-average J.D. Power customer satisfaction rating in the Central region
Rideshare coverage available
Cons
No gap insurance available
Low Trustpilot rating
I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.
Theresa - September 14, 2023
Verified
I really enjoyed working with them, I just couldn't keep up with the expensive rates.
Becki - September 13, 2023
Verified
I was 5 stars until the recent increase, without any explanation.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$41/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.
$77/mo
Norman is home to more than 7,000 veterans who can likely appreciate the coverage USAA has to offer. The insurance company offers relatively low rates to eligible drivers in the area. USAA only works with active-duty, retired, or reserve military members and their immediate families.
Pros
Above-average J.D. Power customer satisfaction rating
Good drivers can save up to 30% with the SafePilot program
Cons
Limited eligibility requirements
No customer service hours on Sundays
They are the best in customer service.
Brenda - September 13, 2023
Verified
Overall poor service, took a safe driving discount away because I wasn’t driving enough.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
A.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
Shelter Insurance is a midsize insurance company that serves policyholders in 15 states, including Oklahoma. It earned the top spot for customer satisfaction in J.D. Power’s 2023 U.S. Auto Insurance Study.
Your family might appreciate the lengthy list of discounts the company offers, including good student, pay-in-full, multi-car, and safe driver discounts.
Insurance companies take a variety of factors into account when determining car insurance premiums, including your age, driving record, location, and credit history.[2]
As you look for the cheapest car insurance option, you can use the following strategies to earn the lowest rates for your situation:
Shop around. Comparing quotes from multiple auto insurance companies is the best way to find the cheapest rates because every insurer looks at your situation differently.
Increase your deductible. In general, insurers offer lower premiums to drivers who choose a higher deductible. If you have the money on hand to cover a higher deductible following an accident, this is a viable way to tap into savings.
Look for a discount. Most car insurance companies offer discount opportunities. Take the time to find out if you qualify for any.[3]
Find Cheap Car Insurance in Norman
Liability rates start at $33 per month
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Cheapest liability-only car insurance in Norman: State Farm
Liability car insurance includes bodily injury and property damage liability coverage. After a car accident, this type of policy can help you pay for the medical injuries and vehicle damage you cause to others.[4]
A liability-only policy is typically the cheapest car insurance option. In Norman, State Farm offers the cheapest average quotes for liability-only policies, at $33 per month.
The table below includes average monthly premiums for liability-only insurance policies from companies in Norman.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Norman: State Farm
A full-coverage car insurance policy offers more robust financial protection than a liability-only policy. Full-coverage policies include liability, comprehensive, and collision coverages. After an incident, a full-coverage policy can help you replace or repair your own vehicle, regardless of fault.
Most auto lenders require drivers to carry this type of policy. But even if you own your vehicle outright, this type of insurance is a good idea if you might not have the funds available to repair your vehicle after an accident.
The table below includes average quotes for Norman drivers for full-coverage policies.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Oklahoma
Oklahoma requires drivers to carry a minimum amount of auto insurance to drive legally on public roads. Here are the specific minimum coverage requirements drivers must meet in the Sooner State:[5]
Collision insurance helps you cover vehicle repairs following damage from a collision. This can include an auto accident or a collision with a tree, fence, utility pole, or other stationary object.
Comprehensive coverage
If a non-collision incident damages your vehicle, comprehensive insurancecan help you pay for vehicle repairs or replacement. Some commonly covered events include theft, severe weather, and vandalism.
Cheapest car insurance for drivers with an incident
In 2021, around 500 vehicle accidents occurred in Cleveland County, which includes Norman.[6] After causing an accident or having another violation, drivers face higher rates. Insurers view past incidents as an indicator of higher risk.
The table below shows how an incident can affect average liability car insurance quotes in Norman.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Insurance Company
Clean Driving Record
With Speeding Ticket
With At-Fault Accident
With DUI
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Most auto insurers consider your age when determining premiums. In general, teen drivers pay more for car insurance than drivers with more experience behind the wheel. Young adults, including college students, typically see relatively high rates for years.
But drivers often benefit from declining auto insurance rates between the ages of 35 and 70 before rates tick up again for senior drivers older than 70.
Below, you can see the average auto insurance quotes for Norman drivers by age.
Age
Average Monthly Quote
Teens
$372
20s
$252
30s
$188
40s
$170
50s
$151
60s
$148
70s
$156
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Norman car insurance quotes by credit tier
Insurance companies in Oklahoma can consider your credit history when determining your auto insurance premiums, but they can’t penalize drivers for not having any credit history. In general, drivers with excellent or good credit pay lower rates for car insurance than drivers with poor credit.
Explore average full-coverage car insurance quotes by credit tier in Norman in the table below.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Norman car insurance FAQs
Before you start shopping around for auto coverage, you should determine exactly how much car insurance you need. The following information should help you navigate the process of buying coverage in Norman.
How much is car insurance in Norman?
The overall average cost of car insurance in Norman is $165 per month. On average, drivers in Norman pay $100 per month for liability coverage and $229 for full-coverage insurance. How much you pay for coverage will depend on your driving record, credit history, age, ZIP code, and more.
Who has the cheapest car insurance in Norman?
State Farm has the cheapest car insurance in Norman, a liability car insurance rate of $33 per month. USAA and Allstate are the second- and third-cheapest car insurers in Norman, thanks to monthly rates of $41 and $46, respectively.
The best way to find the cheapest car insurance for you is to compare quotes from multiple companies at once.
What are the best car insurance companies in Norman?
With an A++ (Superior) financial strength rating from AM Best, a high Insurify Quality (IQ) Score of 4.4 out of 5, and customizable coverage, State Farm is the best car insurance company in Norman. On average, State Farm policyholders pay $32 per month for liability insurance. Two more of the best companies in Norman include Shelter Insurance and USAA.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
State Farm
USAA
Shelter Insurance
