Cheapest Auto Insurance in Norman, Oklahoma (2025)

Drivers in Norman pay an overall average of $139 per month for car insurance, which is slightly higher than the Sooner State average of $130.

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.

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.

Best insurer for cheap rates: State Farm

Best insurer for veterans: USAA

Best insurer for families: Shelter

How to get the cheapest car insurance in Norman

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

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 $57 per month.

The table below includes average monthly premiums for liability-only insurance policies from companies in Norman.

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.

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

Cheapest car insurance for drivers with an incident

Incidents on your driving record, like speeding tickets, driving under the influence, and at-fault accidents, can lead to higher car insurance premiums.

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.

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.

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.