Cheapest Auto Insurance in Ardmore, Oklahoma (2025)
The cheapest liability-only rate in Ardmore is $53, offered by State Farm.
Secure. Free. Easy-to-use.
From the Tucker Tower Nature Center to state and regional parks, there’s plenty to do in Ardmore. The good news is that insuring those weekend excursions is more affordable here than in many other areas.
The average monthly rate for car insurance in Ardmore is $129. This is slightly cheaper than Oklahoma’s state average rate of $130 as well as the national average of $144 per month.
Learn more about what affects your car insurance rates in Ardmore, as well as some strategies you can use to reduce your expenses.
3 of the cheapest car insurance companies in Ardmore
When shopping for cheap car insurance in Ardmore, the best advice is to shop around for coverage. Insurers use proprietary algorithms to set rates, so premium quotes can vary dramatically. Finding the right car insurance company for your particular risk factors can be time-consuming, but comparing quotes from multiple insurers is the best way to find the cheapest car insurance in Ardmore.
Certain risk factors will push up your rates. For example, adding a teen to your policy or getting a speeding ticket can affect your premium. The table below highlights some of the best insurance companies for certain drivers, and you can see each company’s statewide average rates for liability and full coverage.
Best insurer for military members: USAA
Best insurer for teen drivers: State Farm
Best insurer for drivers with a good record: Allstate
How to get the cheapest car insurance in Ardmore
Insurers consider a variety of factors when setting an insurance premium. They look at both your personal risk factors and the vehicles you’re insuring. The level of coverage you’re carrying will also affect your premium.
Insurers also consider your driving record and traffic violations, age, marital status, address, credit, and more when setting a rate.
Here are a few tips for finding affordable car insurance coverage in Ardmore:
Keep your driving record clean. Tickets and accidents push up your rates, so stay safe out on the road and keep your driving record clean. Remember to avoid speeding and always drive defensively.
Bundle your coverages. Insurers offer a big discount if you bundle your car insurance with homeowners insurance or renters insurance. You can even get a bundling discount if you have life insurance.
Discounts are important. Insurers offer a variety of discounts that can help you save on your premiums. Make sure all available discounts are being applied to your policy, including the good student discount, defensive driver discount, loyalty discount, and more.
Shop your coverage. Shop your coverage with at least three car insurers when looking for a new policy. Insurers rate risk differently, so premium quotes can vary dramatically.
Up your deductible. Insurers will generally lower your premium if you choose a higher deductible. Just remember to choose a deductible you can afford in case you have to make a claim.
Cheapest liability-only car insurance in Ardmore: State Farm
If you cause an accident that injures another driver or damages their vehicle, your liability insurance will step up to help cover their medical bills and property damage, as well as your legal expenses if you’re sued.
However, liability insurance won’t cover the cost of repairing your vehicle or any medical bills for your injuries.
The average rate for liability-only coverage in Ardmore is $80, and you can see a collection of average quotes offered by area insurers in the table below.
Cheapest full-coverage car insurance in Ardmore: State Farm
Full-coverage car insurance adds collision and comprehensive coverages to your liability coverage. Collision covers the cost of repairing your vehicle if it’s damaged in an accident. Comprehensive insurance repairs or replaces your vehicle if it’s damaged by something other than a collision. This includes perils such as fire, flood, vandalism, and more.
Your lender will generally require full-coverage insurance if you have a car loan or lease on your vehicle. This is to protect the lender’s investment in your car. If you have a newer vehicle and want it to be repaired or replaced after an accident, you should carry full-coverage insurance.
The average rate for full coverage in Ardmore is $177, and you can see a collection of average quotes offered by area insurers in the table below.
Car insurance requirements in Oklahoma
Oklahoma is an at-fault state. This means the person found responsible for a car accident must pay for the other party’s injuries and any property damage.
To drive legally in Oklahoma, you must carry liability coverage. Liability coverage is broken into two categories: bodily injury and property damage.
Bodily injury covers medical bills for other drivers you injure with your vehicle. Property damage pays for damaged or destroyed property. This can include the other driver’s vehicle or other property, such as fences, mailboxes, and even garage doors.
Cheapest car insurance for drivers with an incident
When setting your insurance rate, companies consider a wide variety of factors. One factor that will have a major effect on your premium is your driving record. You’ll pay a higher premium if you have any driving incidents on your record.
Incidents can range from minor issues, such as speeding tickets or parking violations, to more serious issues, such as at-fault accidents, a DUI, or a reckless driving charge.
After an incident, you can expect your premium to go up, but how much it’ll climb will depend on various factors. While a speeding ticket will result in a minor bump, a major moving violation can result in your premium doubling or climbing even more. Multiple incidents in a short time will also result in a dramatic rate increase.
In the table below, you can see how different driving incidents affect the cost of your insurance coverage in Ardmore.
Average cost of car insurance by age
Insurers consider your age and the ages of all drivers the policy covers when setting a premium. Young drivers pay the highest rates. Fortunately, premiums drop down and stabilize in middle age before climbing again once you reach age 70. At this point, reduced faculties raise the risk of accidents for older drivers.
Teens and new drivers typically pay the highest rates, so adding a teen to your policy will often double your cost of coverage. This is because they’re inexperienced, riskier drivers and are involved in more at-fault accidents.
Roughly 2,800 teens in the United States ages 13 to 19 were killed in motor vehicle crashes in 2020, and about 227,000 were injured, according to the Centers for Disease Control and Prevention (CDC). This breaks down to about eight teens dying every day due to crashes.3
The table below shows average monthly quotes for drivers in Oklahoma in various age groups.
Ardmore car insurance quotes by credit tier
Like most other states, Oklahoma allows insurance companies to consider your credit history when setting your premium.
Insurers do this because statistics show that drivers with poor credit file more claims, which leads to higher claims. As a result, drivers with poor credit scores generally pay more for car insurance than drivers who have excellent or good credit.
Improving your credit score can result in major savings, so if your score rises dramatically, let your insurance company know and ask it to recalculate your rate.
The chart below spells out how your credit score can affect the cost of your car insurance in Oklahoma.