Cheapest Car Insurance In Norman, OK 2025
If you’re looking for budget-friendly car insurance in Norman, Mercury is the most affordable choice at $28 per month for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the lowest-priced car insurance in Norman, OK, isn’t always straightforward since rates can differ a lot.
When it comes to liability-only coverage, Mercury offers the lowest rates. GEICO is the best pick for full coverage, and USAA provides the most affordable insurance for young drivers.
Cheapest Car Insurance Companies In Norman, OK 2025
Cheapest Liability-only Car Insurance In Norman: Mercury
If you need budget-friendly minimum coverage in Norman, Mercury is the most affordable choice at $28 per month.
The table below provides a comparison of rates across different insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $28 | $336 |
| State Farm | $43 | $516 |
| Progressive | $38 | $456 |
| GEICO | $44 | $528 |
| Allstate | $42 | $504 |
Cheapest Full Coverage Insurance Rates In Norman: GEICO
At an average of $82 a month, GEICO has the most budget-friendly full coverage car insurance in Norman.
You can use the table below to compare average auto insurance prices from affordable providers in Norman.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $82 | $984 |
| State Farm | $100 | $1,200 |
| Mercury | $84 | $1,008 |
| Allstate | $91 | $1,092 |
| Progressive | $85 | $1,020 |
Cheapest Car Insurance Rates For Seniors: USAA
Seniors in Norman can get the lowest car insurance rates from USAA, with an average cost of $74 a month.
You can find average rates from the lowest-cost auto insurers for seniors in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $74 | $888 |
| State Farm | $83 | $996 |
| Clearcover | $84 | $1,008 |
| Mercury | $115 | $1,380 |
| Oklahoma Farmers Union | $120 | $1,440 |
Cheapest Rates In Norman For Teenagers: Clearcover
For teenage drivers in Norman, Clearcover provides the most budget-friendly quotes at an average of $126 per month.
You can find the lowest insurance rates for teenagers in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $126 | $1,512 |
| State Farm | $186 | $2,232 |
| USAA | $184 | $2,208 |
| Allstate | $312 | $3,744 |
| Oklahoma Farmers Union | $188 | $2,256 |
Cheapest Car Insurance In Norman For Good Drivers: Mercury
At approximately $28 a month, Mercury provides the best-priced car insurance for good drivers in Norman.
If you’re a responsible driver, refer to the table below to find the best-priced insurance options.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $28 | $336 |
| State Farm | $43 | $516 |
| Progressive | $38 | $456 |
| GEICO | $44 | $528 |
| Allstate | $42 | $504 |
Cheapest Auto Insurance For Young Adults in Norman: USAA
The most budget-friendly car insurance for young adults in Norman comes from USAA, at an average of $119 per month.
Check out the table below to see a comparison of the most budget-friendly car insurance rates for young adults in Norman.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $119 | $1,428 |
| Oklahoma Farmers Union | $147 | $1,764 |
| Allstate | $205 | $2,460 |
| Clearcover | $132 | $1,584 |
| State Farm | $125 | $1,500 |
Find affordable Norman rates
Cheapest For Drivers With After At-Fault Accident: State Farm
If you have an at-fault incident, State Farm has the lowest insurance rates, with an average premium of $44 per month.
These companies offer the most budget-friendly car insurance rates for drivers with an at-fault accident history.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $44 | $528 |
| GEICO | $82 | $984 |
| Progressive | $107 | $1,284 |
| Allstate | $56 | $672 |
| Farmers | $86 | $1,032 |
Cheapest Car Insurance In Norman After A Speeding Ticket: State Farm
State Farm stands out as a low-cost choice in Norman, with average monthly premiums of $40 for drivers who have a speeding ticket.
The following table lists average car insurance costs for drivers with a speeding offense.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $40 | $480 |
| Allstate | $54 | $648 |
| Mercury | $88 | $1,056 |
| GEICO | $79 | $948 |
| Progressive | $102 | $1,224 |
Cheapest Rates In Norman For Drivers After A DUI: State Farm
After a DUI, State Farm offers the best insurance rates in Norman, with monthly premiums averaging $52.
The following table highlights the best-priced car insurance rates for drivers in Norman with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $52 | $624 |
| GEICO | $98 | $1,176 |
| USAA | $64 | $768 |
| Allstate | $68 | $816 |
| Farmers | $104 | $1,248 |
Best Car Insurance Companies In Norman
If you’re looking for budget-friendly insurance in Norman, Mercury has the lowest rate at $28 per month, with Progressive at $38 and Allstate at $42 as alternatives.
Here are the top 10 auto insurance companies in Norman, OK, sorted by the average monthly rate they charge.
| Company | Monthly Premium |
| Mercury | $28 |
| State Farm | $43 |
| Progressive | $38 |
| GEICO | $44 |
| Allstate | $42 |
| Direct auto | $90 |
| Foremost | $146 |
| Liberty Mutual | $197 |
| Clearcover | $87 |
| CSAA | $83 |
Average Rates In Norman – By Vehicle
Car insurance rates depend heavily on the type of vehicle you drive. Companies assess the make, model, year, and body type, with high-tech luxury cars typically having higher premiums.
The following table provides a comparison of average insurance rates for different cars in Norman.
| Vehicle | Average Monthly Rate |
| Ford Escape | $157 |
| Ford Ranger | $95 |
| Volkswagen Tiguan | $94 |
| Toyota Tundra | $178 |
Average Auto Insurance Rates In Norman – By Age
Insurance companies consider age a major factor when setting car insurance rates. Since younger drivers have a higher risk of accidents, their premiums are steeper, with teens paying an average of $5,469 per year.
By the time drivers hit 25, their insurance costs usually go down, as long as they maintain a safe driving record.
The lowest insurance premiums are often given to drivers in their 50s and early 60s, since insurers view them as experienced and lower-risk.
| Age | Average Yearly Rate |
| Teenagers | $5,469 |
| 20s | $2,399 |
| 30s | $1,460 |
| 40s | $1,198 |
| 50s | $1,330 |
| 60s | $1,347 |
| 70s | $1,602 |
How Much Is Car Insurance In Other Cities in Oklahoma?
The area you live in affects your car insurance rates. Insurers analyze local crime and accident data, meaning drivers in cities often pay more.
On average, car insurance costs $210 per month in Edmond, but only $186 per month in Lawton.
| City | Average Monthly Rate |
| Norman | $206 |
| Ardmore | $192 |
| Muskogee | $195 |
| Bartlesville | $186 |
| Lawton | $186 |
| Broken Arrow | $207 |
| Enid | $183 |
| Claremore | $188 |
| Edmond | $210 |
| Duncan | $187 |
Average Cost Of Auto Insurance In Norman – By Zip Code
Car insurance rates change by zip code because insurers use them to measure crime risk in different areas.
The following table provides a breakdown of insurance rates by zip code in Norman.
| City | Average Monthly Rate |
| 73071 | $142 |
| 73026 | $179 |
| 73072 | $159 |
| 73109 | $209 |
| 73069 | $137 |
Find affordable Norman rates
Our Methodology
I’ve conducted a detailed analysis of Norman, OK car insurance companies, considering factors like service quality, policy options, pricing, and online user feedback.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Norman?
In Norman, Mercury is the most affordable option for minimum coverage, while GEICO provides the best full coverage rates, including comprehensive and collision.
What is the average cost of car insurance in Norman?
Expect to pay around $150 per month for car insurance in Norman, though your specific rate will vary depending on your zip code, vehicle, and driving habits.
