Updated: November 27, 2025
Advertising & Editorial Disclosure
Progressive offers the cheapest car insurance in Norman at $374 per year for minimum coverage and $1,222 per year for full coverage. Other insurers serving Norman include American Farmers & Ranchers, Mercury Insurance and State Farm.
Norman drivers pay an average of $675 per year for minimum coverage and $1,688 per year for full coverage.
Progressive also offers the cheapest car insurance in Oklahoma at $343 per year for minimum coverage and $1,156 per year for full coverage.
Progressive delivers Norman's cheapest minimum coverage at $374 per year, 45% below the city average of $675. Full coverage costs $1,222 annually with Progressive versus Norman's average of $1,688.
Mercury Insurance offers competitive pricing at $468 for minimum coverage and $1,407 for full coverage. Progressive's rates save Norman drivers approximately $25 monthly for minimum coverage compared to typical city premiums.
| Progressive | $31 | $102 | -36% |
| Mercury | $39 | $117 | -25% |
| GEICO | $44 | $114 | -24% |
| American Farmers & Ranchers | $42 | $122 | -21% |
| State Farm | $38 | $129 | -19% |
Adult drivers in Norman secure the lowest rates at $374 annually with Progressive. Senior drivers pay $518 per year with Progressive. Young drivers face costs of $773 annually with American Farmers & Ranchers, more than double adult rates.
Progressive leads for both adult and senior drivers, while American Farmers & Ranchers provides the best option for young drivers. Norman's relatively affordable base rates make it easier to find budget-friendly coverage even for higher-risk age groups.
Young drivers in Norman generally pay higher premiums because insurers consider them higher-risk due to limited driving experience and higher statewide accident frequency among under-25 motorists. Even with these challenges, American Farmers & Ranchers and State Farm offer the lowest rates in the city, starting at $64 and $79 per month. These insurers consistently outperform larger national carriers for young drivers in Oklahoma, helping new motorists access more affordable coverage.
| American Farmers & Ranchers | $64 | $773 | -59% |
| State Farm | $79 | $953 | -50% |
| Progressive | $108 | $1,301 | -31% |
| Geico | $112 | $1,339 | -29% |
| Shelter Insurance | $126 | $1,510 | -20% |
Adult drivers between ages 26 and 64 see the cheapest rates in Norman from Progressive, which prices policies about 48 percent below the city average. State Farm and GEICO also provide strong value for adult drivers with clean records. These insurers typically maintain more stable pricing across Oklahoma because they factor in mature driving histories, lower claim frequency among adults, and reduced underwriting volatility in suburban areas like Norman.
| Progressive | $31 | $374 | -48% |
| State Farm | $38 | $458 | -36% |
| Mercury Insurance | $39 | $468 | -35% |
| American Farmers & Ranchers | $42 | $503 | -30% |
| Geico | $44 | $533 | -26% |
Seniors in Norman find the most affordable premiums through Progressive, which charges $43 per month for minimum coverage and $109 per month for full coverage. These prices remain competitive because Progressive rates senior drivers more favorably than many carriers, even as age-related risk factors begin to influence premiums. The insurer’s consistent pricing across Oklahoma ZIP codes helps older motorists maintain reliable, cost-effective protection.
| Progressive | $43 | $518 | -44% |
| State Farm | $47 | $564 | -39% |
| American Farmers & Ranchers | $51 | $612 | -34% |
| Mercury Insurance | $58 | $695 | -25% |
| Shelter Insurance | $60 | $723 | -22% |
High-risk drivers in Norman — including those with bad credit, DUIs, at-fault accidents, or speeding violations — can still secure affordable premiums from several insurers. American Farmers & Ranchers, Progressive, and State Farm offer the most favorable pricing depending on the type of violation. Their rate structures are more forgiving than many national competitors, which often increase premiums sharply in response to Oklahoma’s claim trends and collision rates.
Drivers in Norman with bad credit can find the lowest premiums from American Farmers & Ranchers, with rates starting at $64 per month for minimum coverage and $170 per month for full coverage. These rates are well below what many national carriers charge in this credit tier, where premiums often increase sharply due to Oklahoma’s elevated claim costs and loss ratios among high-risk policyholders.
| American Farmers & Ranchers | $64 | $773 | -51% |
| Hallmark Insurance | $97 | $1,158 | -27% |
| Geico | $100 | $1,203 | -24% |
| Farm Bureau | $104 | $1,249 | -21% |
| Shelter Insurance | $107 | $1,288 | -19% |
For drivers with a DUI, Progressive offers the most affordable car insurance in Norman. Minimum coverage starts at $39 per month, delivering savings of up to 54 percent compared to the city average. Progressive’s pricing remains competitive even for serious violations, making it a reliable option for drivers working to manage significantly higher premiums after a DUI conviction.
| Progressive | $39 | $467 | -54% |
| State Farm | $40 | $484 | -53% |
| Mercury Insurance | $55 | $658 | -36% |
| Shelter Insurance | $78 | $938 | -8% |
| Geico | $82 | $988 | -3% |
Drivers with an at-fault accident in Norman can find the lowest premiums with American Farmers & Ranchers, which charges $42 per month for minimum liability coverage. This pricing provides substantial relief in a market where accident-related surcharges can be steep, especially in areas with higher crash frequency across Oklahoma highways and suburban traffic corridors.
| American Farmers & Ranchers | $42 | $503 | -49% |
| State Farm | $43 | $517 | -47% |
| Progressive | $54 | $649 | -34% |
| Geico | $71 | $852 | -13% |
| Farm Bureau | $78 | $939 | -4% |
For Norman drivers with a speeding ticket, State Farm offers the cheapest car insurance options. Minimum coverage costs $40 per month, while full coverage averages $134 per month. These rates are considerably lower than competitors’ prices for similar violations, giving drivers a more manageable way to stay insured while they wait for the infraction’s impact to decline over future renewal cycles.
| State Farm | $40 | $484 | -44% |
| Progressive | $43 | $520 | -40% |
| American Farmers & Ranchers | $55 | $655 | -24% |
| Mercury Insurance | $57 | $682 | -21% |
| Geico | $60 | $716 | -17% |
Progressive ranks as Norman's best insurance company with a MoneyGeek score of 100, delivering exceptional service and the city's lowest rates. Mercury Insurance follows at 91, offering solid coverage and responsive customer support.
Both insurers maintain excellent financial strength and claims handling reputations. Progressive's near-perfect score reflects its outstanding combination of affordability and service quality, making it the clear choice for Norman residents seeking maximum value.
| Progressive | 100 | 1 | 1 | 2 |
| Mercury | 91 | 2 | 4 | 5 |
| State Farm | 89 | 5 | 3 | 6 |
| GEICO | 89 | 3 | 5 | 6 |
| American Farmers & Ranchers | 84 | 4 | 7 | 7 |
Best rates overall in Norman, OK for almost all driver profiles
Top customer experience overall
Most extensive add-on coverage selection
Not the most affordable for those with bad credit or for young drivers
Progressive wins overwhelmingly in our study of Norman, OK with a perfect score for car insurance. On average, most drivers save 36% on car insurance which is 11% more than the next cheapest provider. Progressive also has the best reputation out of all companies studied and the most extensive and unique add-on coverage options like a disappearing deductible and custom parts coverage.
Norman drivers pay an average of $675 per year for minimum coverage and $1,688 per year for full coverage. These rates fall below Oklahoma statewide averages, making Norman one of the more affordable cities in the state for coverage.
Progressive's premiums of $374 for minimum coverage and $1,222 for full coverage sit substantially below city averages. This translates to potential savings of $301 annually for minimum coverage and $466 for full coverage versus typical Norman rates.
| Full Coverage | $141 | $1,688 |
| Minimum Coverage | $56 | $675 |
In Norman, car insurance rates by ZIP code range from $55 to $146 per month. ZIP code 73019 is the most expensive, while 73069 is the cheapest. Check the average rates for your ZIP code on the table below.
| 73019 | $58 | $146 |
Norman's insurance rates exceed the state average, making affordable coverage essential. These strategies help you find lower premiums without sacrificing financial protection.
Understand how much coverage you need for your Norman commute. Use our car insurance coverage needs calculator to find appropriate coverage levels. Consider your car's value and savings capacity, Oklahoma's severe weather risks require adequate protection.
Various types of car insurance could save you money. Drive less than average? Pay-per-mile coverage cuts cost. Don't own a car? A non-owner policy provides liability protection when you borrow vehicles.
Knowing Norman's average vehicle insurance costs helps you spot competitive quotes and avoid overpaying. Traffic patterns, severe weather risks and theft rates influence local premiums.
Car insurance discount opportunities add up quickly. Bundle multiple policies or get multi-car discounts. Many Norman insurers offer savings for good driving records and safety features.
Claims handling and customer service quality matter when accidents happen. Check local reviews and state complaint ratios. Ask Norman neighbors about their experiences. A reliable insurer processes claims faster and resolves issues without hassle.
Compare quotes from at least three providers using local Norman agents, online tools and direct carrier websites. Companies weigh factors differently: your age, vehicle and ZIP code might qualify for better rates with one insurer over another.
Shop for better rates each year. Life changes, buying a home, adding drivers or improving your credit score, affect premiums. Norman's insurance market shifts too. Annual reviews ensure you maintain appropriate coverage at competitive prices.
Your driving record, vehicle and credit score determine your Norman car insurance rates. Progressive and Mercury offer the lowest average premiums, though your best rate comes from comparing quotes across multiple providers.
Here are common questions about finding affordable car insurance in Norman and ways to lower your premiums.
Progressive offers the lowest rates in Norman, with average annual premiums of $374 for minimum coverage and $1,222 for full coverage. Actual rates vary by personal factors, so compare quotes.
Progressive leads Norman's car insurance providers with a MoneyGeek score of 100 out of 100. Progressive excels in both affordability and service quality.
In Norman, drivers pay $1,688 per year for full coverage and $675 for minimum coverage auto insurance. Your actual rates will vary based on individual factors.
Car insurance in Norman is more expensive than average, ranking 560th for minimum coverage and 28th for full coverage affordability compared to other Oklahoma cities.
To help Norman drivers find the most affordable auto insurance companies, MoneyGeek analyzed Norman auto insurance rates based on data and information from the Oklahoma Insurance Department and Quadrant Information Services. We studied all ZIP codes in Norman and hundreds of thousands of quotes for 12 companies offering auto insurance in Oklahoma to tailor options as closely as possible to you.
Norman Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Norman with the following characteristics:
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Norman
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Oklahoma are:
For a full coverage policy, we used the following coverage limits:
Our Best Company Rating Methodology
We rated all companies in Norman based on the following rating scale:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
