Cheapest Auto Insurance in Lawton, Oklahoma (2025)

The average monthly cost of car insurance in Lawton, Oklahoma, is $130, which is comparable to the state average of $130 per month and the national average of $144 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

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

Best insurer for military families: USAA

Best insurer for discounts: GEICO

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.

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 $53 per month.

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

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 $176 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.

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.

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:

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:

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.

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.