>Seguros de Autos>Oklahoma

Cheapest Auto Insurance in Lawton, Oklahoma (2024)

State Farm offers the cheapest car insurance in Lawton, with minimum-coverage policies as low as $32 per month.

Elizabeth Rivelli
Escrito porElizabeth Rivelli
Elizabeth Rivelli
Elizabeth Rivelli

Elizabeth Rivelli es una escritora independiente cubriendo seguros y finanzas personales. Ella tiene conocimiento extensivo de varios tipos de seguros, inclusos los seguros de propiedad y casualidad, la salud, y la vida. Ha realizado trabajos en docenas de publicaciones, incluyendo Investopedia, Forbes, Bankrate, NextAdvisor, y Insurance.com.

Read Editorial Guidelines

View Full Bio
Courtney Mikulski
Editado porCourtney Mikulski
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto

  • Más de 3 años produciendo contenidos sobre seguros y finanzas personales

  • Principal artífice de la puntuación de calidad de Insurify

Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.

Read Editorial Guidelines

View Full Bio

Featured in

media logomedia logo

Actualizado el 6 de mayo de 2024

Compara cotizaciones de 70+ companías de seguros y ahorra hasta $717

Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Advertiser Disclosure

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.

¿Por qué puedes confiar en Insurify: Insurify es la plataforma mejor valorada de comparación de seguros en América. Nos asociamos con compañías principales de seguros, y somos licenciados en todos los 50 estados. No obstante, los expertos en seguros que escriben nuestro contenido operan de manera independiente de estos socios, y se puede aprender más de cómo hacemos dinero al ver nuestra revelación de anuncios. También mira reseñas de más de 3,000 clientes satisfechos, nuestra metodología de datos, y nuestros estándares editoriales.

Las tarifas más baratas encontradas recientemente en Oklahoma

Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $33/mes para solo responsabilidad y $63/mes para cobertura total en Oklahoma.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

The average monthly cost of car insurance in Lawton, Oklahoma, is $147, which is comparable to the state average of $147 per month and the national average of $159 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]

Datos Breves

  • The average cost of car insurance in Lawton is $89 per month for liability insurance and $206 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

Compare personalized, real-time quotes
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.
4.5
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.
$32/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.
$60/mo

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.

Ventajas

  • Relatively affordable rates

  • High J.D. Power customer satisfaction rating

Contras

  • Few available endorsements for customization

  • Gap insurance not available

Read our State Farm review
Colleen - May 2, 2024
Verified

Look Further

The rates are consistently high and unaffordable.
Walters - April 25, 2024
Verified

Good

I had a good relationship with them until my bank messed up. I didn't receive the cancellation notice until it was already too late.
Wanda Carole - April 22, 2024
Verified

Excellent

Check out other companies and their rates before making a decision.
…

Best insurer for military families: USAA

Compare personalized, real-time quotes
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.
4.5
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.
$40/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.
$74/mo

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.

Ventajas

  • Many available discounts

  • Strong third-party ratings

Contras

  • Civilians don’t qualify for coverage

  • Few available car insurance endorsements

Read our USAA review
Bill - April 22, 2024
Verified

Reluctant Switcher

Excellent, very positive! I only switched to consolidate our farm property insurance together with auto policies.
Marvin - April 21, 2024
Verified

Excellent

So far, so good.
Robert - April 19, 2024
Verified

USAA is the finest. Period.

I've been a member for over 50 years, and have always been pleased with the service. It's a first-class organization.
…

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
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.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$63/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.
$118/mo

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.

Ventajas

  • Many available discounts with generous savings

  • Superior financial stability

Contras

  • Below-average J.D. Power customer satisfaction rating in the Central region

  • Few available customizable add-on options

Read our GEICO review
Holly - April 30, 2024
Verified

Long-Time Customer Treated Poorly!

We were with Geico for over 20 years and then had a terrible customer service experience. This wasn't a minor issue or just one agent. The problem involved conversations with multiple agents and supervisors. It's disappointing that after being insured with this company for so long, they showed no interest in resolving an unexpected situation that was actually an honest mistake made by one of their agents. I don't recommend them!
Elizabeth - April 25, 2024
Verified

Excellent

It has always been great.
Andrew - April 24, 2024
Verified

AI-Run, Money-Hungry Company

The customer service is poor and very unprofessional. It's impossible to speak to an agent.
…

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 $32 per month

Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $32 per month.

In the table below, you can see the cheapest car insurance companies in Lawton for liability-only insurance.

The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7. 
Insurance CompanyAverage Monthly Quote
State Farm32
USAA40
Allstate44
Safeco56
GEICO63
Farmers67
Mercury67
Clearcover73
Progressive75
National General79
Liberty Mutual88
CSAA90
Direct Auto93
Shelter94
GAINSCO101
Midvale Home & Auto101
The General104
Hallmark112
Foremost120
Bristol West146
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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 $206 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 are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7. 
Insurance CompanyAverage Monthly Quote
State Farm60
USAA74
Allstate81
GEICO118
Clearcover125
Farmers125
Mercury130
Safeco141
Progressive142
Direct Auto150
National General160
Shelter176
CSAA190
Midvale Home & Auto201
The General221
Liberty Mutual224
GAINSCO230
Hallmark241
Foremost257
Bristol West298
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Estimate your Lawton car insurance costs

Selecciona los descuentos que se aplican a ti
Ahorra 25%
Ahorra 4%
Ahorra 20%
Ahorra 38%
Edad
Puntaje de crédito
¿Estás asegurado?
Tu oferta estimada

*Estimación basada en un promedio de tarifas proporcionadas a otros usuarios como tú.

Selecciona los descuentos que se aplican a ti

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.

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for vehicle repairs and damages from non-accident events like theft, vandalism, falling objects, weather events, and more.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for your vehicle repairs and damages after you hit a stationary object or another vehicle, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance coverage pays for basic roadside services like fuel delivery, flat-tire changes, and towing.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Accident forgiveness

    Accident forgiveness waives your first at-fault accident so it won’t increase your car insurance premium.

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 are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7. 
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
State Farm32424455
USAA40535568
Allstate44596175
Safeco56767595
GEICO638487107
Farmers678992114
Mercury679698104
Clearcover7398107124
Progressive75100106128
National General79116108135
Liberty Mutual88129133150
CSAA90123130153
Direct Auto93126132159
Shelter94131135160
GAINSCO101148136172
Midvale Home & Auto101139147172
The General104140147177
Hallmark112150150191
Foremost120176181205
Bristol West146193199249
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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.

AgeAverage Monthly Quote
Teens$359
20s$244
30s$182
40s$164
50s$146
60s$142
70s$151
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Shop for Car Insurance in Lawton, OK

Get personalized quotes for auto coverage in minutes

Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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

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.

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 $89 per month for liability insurance and $206 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 $32, $40, and $44 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.

Metodología

Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.

El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.

Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.

Sources

  1. Oklahoma State Bureau of Investigation. "Comanche County: Crimes Reported (UCR Index Crimes)."
  2. Oklahoma Insurance Department. "Auto Insurance: Common Myths."
  3. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  4. Centers for Disease Control and Prevention. "Older Adult Drivers."
Elizabeth Rivelli
Elizabeth Rivelli

Elizabeth Rivelli es una escritora independiente cubriendo seguros y finanzas personales. Ella tiene conocimiento extensivo de varios tipos de seguros, inclusos los seguros de propiedad y casualidad, la salud, y la vida. Ha realizado trabajos en docenas de publicaciones, incluyendo Investopedia, Forbes, Bankrate, NextAdvisor, y Insurance.com.

Más información
Courtney Mikulski
Editado porCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto

  • Más de 3 años produciendo contenidos sobre seguros y finanzas personales

  • Principal artífice de la puntuación de calidad de Insurify

Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.

Read Editorial Guidelines

View Full Bio

Featured in

media logomedia logo

Compara cotizaciones de seguros de auto instantáneamente

Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers