Cheapest Auto Insurance in Norman, Oklahoma (2025)
State Farm is the cheapest car insurance company in Norman, with a liability car insurance rate of $57 per month.
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Drivers in Norman pay an overall average of $139 per month for car insurance, which is slightly higher than the Sooner State average of $128.
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.
Quick Facts
State Farm, Mercury, and USAA offer the cheapest car insurance in Norman, on average.
Norman residents pay an average of $96 per month for liability coverage and $183 for full-coverage car insurance.
Oklahoma insurers can consider credit history when determining premiums.1
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Norman car insurance FAQs
Before you start shopping around for auto coverage, you should determine exactly how much car insurance you need. The following information should help you navigate the process of buying coverage in Norman.
How much is car insurance in Norman?
The overall average cost of car insurance in Norman is $139 per month. On average, drivers in Norman pay $96 per month for liability coverage and $183 for full-coverage insurance. How much you pay for coverage will depend on your driving record, credit history, age, ZIP code, and more.
Who has the cheapest car insurance in Norman?
State Farm has the cheapest car insurance in Norman, a liability car insurance rate of $57 per month. Mercury and USAA are the second- and third-cheapest car insurers in Norman, thanks to monthly rates of $63 and $72, respectively.
The best way to find the cheapest car insurance for you is to compare quotes from multiple companies at once.
What are the best car insurance companies in Norman?
With an A++ (Superior) financial strength rating from AM Best, a high Insurify Quality (IQ) Score of 4.4 out of 5, and customizable coverage, State Farm is the best car insurance company in Norman. On average, State Farm policyholders pay $32 per month for liability insurance. Two more of the best companies in Norman include Shelter Insurance and USAA.
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