Updated: December 14, 2025
Advertising & Editorial Disclosure
Progressive charges Norman's lowest minimum coverage rates at $31 monthly or $374 annually, while also offering the cheapest full coverage at $102 per month. These premiums apply to drivers with clean records.
Age and driving history affect which provider gives you the lowest premium. Compare quotes from several insurers to find your lowest rate.
| Progressive | $102 | $31 | -36% |
| State Farm | $129 | $38 | -19% |
| Mercury Insurance | $117 | $39 | -25% |
| American Farmers & Ranchers | $122 | $42 | -21% |
| Geico | $114 | $44 | -24% |
While Oklahoma residents spend $50 monthly for minimum coverage, Norman drivers pay more at $56 per month. Full coverage costs more too, with Norman's $141 monthly rate compared to the state's $126 average.
The city's growing population creates more traffic congestion, leading to increased accident rates that push rates higher. Norman also experiences weather conditions like tornadoes and hailstorms that result in more weather-related claims. Higher vehicle theft rates for certain models add to higher rates.
| $126 | $141 |
Read More: The cheapest car Insurance in Oklahoma
Age affects car insurance costs in Norman, with young drivers paying the most at $263 monthly on average across the top five insurers. Adults pay $117 monthly while seniors pay $133 monthly. Young drivers pay more due to their limited driving experience and higher accident rates.
Cheapest Norman car insurance by age:
Once drivers establish experience, age matters less for pricing. The modest difference between adult and senior rates shows insurers view experienced drivers similarly whether they're 40 or 70 years old.
Young drivers in Norman pay high insurance rates, but American Farmers & Ranchers offers the most affordable option at $166 monthly or $1,994 annually for full coverage. Insurers charge drivers ages 16 to 25 the highest premiums because they lack experience behind the wheel and have higher accident rates and more traffic violations than older drivers.
Norman's young drivers pay an average of $263 monthly across the top five cheapest insurers compared to $117 for adults, over twice adult rates. Compare quotes to save $162 monthly by choosing American Farmers & Ranchers at $166 monthly over Shelter Insurance at $328 monthly.
Adding a young driver to your family policy costs less than getting them standalone coverage, but rates stay high until they turn 25.
Note: Teen drivers need parental consent and must meet additional state licensing requirements. Check Oklahoma state requirements for details.
| American Farmers & Ranchers | $166 | $1,994 |
| State Farm | $251 | $3,010 |
| Geico | $270 | $3,237 |
| Progressive | $299 | $3,585 |
| Shelter Insurance | $328 | $3,930 |
Norman's senior drivers maintain clean records and benefit from decades of experience, helping them get rates like Progressive's $109 monthly or $1,307 annually for full coverage. While most insurers reward this experience, some companies raise rates for drivers over 70 due to reaction time concerns.
Across the five cheapest options, seniors average $133 monthly compared to the general adult average of $117. Progressive charges $109 monthly while Shelter Insurance charges $145 monthly. Seniors can save more through defensive driving courses or low-mileage discounts for driving under 7,500 miles annually.
| Progressive | $109 | $1,307 |
| Geico | $136 | $1,638 |
| American Farmers & Ranchers | $137 | $1,645 |
| State Farm | $138 | $1,655 |
| Shelter Insurance | $145 | $1,739 |
Norman's adult drivers ages 26 to 64 enjoy the most competitive insurance rates because they blend extensive driving experience with statistically lower accident involvement than younger and older drivers. Progressive leads with $102 monthly or $1,222 annually for full coverage, making it the cheapest option available.
Across Norman's five most affordable insurers, adults average $117 monthly, the lowest of any age category. Shopping smart pays off, as Progressive saves Norman adults $27 monthly compared to State Farm's $129 rate, the fifth cheapest option. Maintaining clean driving records and bundling policies can push premiums even lower.
| Progressive | $102 | $1,222 |
| Geico | $114 | $1,364 |
| Mercury Insurance | $117 | $1,407 |
| American Farmers & Ranchers | $122 | $1,462 |
| State Farm | $129 | $1,552 |
Norman drivers pay much more for insurance once violations appear on their records. Progressive charges $31 monthly for minimum liability coverage with clean records, but rates jump to $40 through State Farm for speeding tickets and $39 through Progressive for DUI convictions.
Across the five most affordable insurers, average monthly costs increase from $39 for clean drivers to $51 for speeding tickets, $58 for at-fault accidents and $59 for DUIs.
At-fault accidents increase rates because you've caused property damage or injuries, marking you as a bigger risk to insurers.
DUIs cause the largest increases because they combine dangerous behavior with serious legal consequences. DUIs often require SR-22 filing and place you in insurers' highest-risk category.
| Progressive | $39 | $467 |
| State Farm | $40 | $484 |
| Mercury Insurance | $55 | $658 |
| Shelter Insurance | $78 | $938 |
| Geico | $82 | $988 |
Norman drivers pay between $55 and $146 monthly, with ZIP code 73019 paying the most while 73069 has the lowest rates. Norman's most populated areas include ZIP codes 73071, 73072 and 73069, where minimum coverage costs $140, $139 and $138 per month.
These rate differences reflect neighborhood factors like accident frequency, theft rates, population density and uninsured driver percentages. Use the table filter to locate your ZIP code and check your area's rate.
| 73019 | $58 | $146 |
Smart Norman drivers know they can lower their premiums while keeping proper coverage that actually protects them.
Try our car insurance coverage needs calculator for customized advice. This tool analyzes your specific situation to recommend appropriate coverage levels for your Norman driving needs.
Familiarize yourself with types of car insurance options in Norman. Consider pay-per-mile if you drive infrequently or non-owner coverage if you occasionally borrow cars.
Look up average vehicle insurance costs for your specific Norman neighborhood. Local rates vary based on factors like crime rates and traffic patterns in your area.
Explore every car insurance discount opportunity available. Consider bundling multiple policies or securing multi-car discounts. You can save with safe driver, student and anti-theft discounts.
Review company ratings and customer feedback for insurance companies serving Norman. Check financial stability scores and complaint ratios to ensure you're choosing a reliable insurer for long-term coverage.
Request quotes from multiple carriers in Norman, targeting at least three different companies. Comparing rates from various insurers helps you identify the most competitive pricing for your specific coverage needs.
Schedule an annual policy review to stay competitive with current market rates. Your circumstances and available discounts change over time, making yearly evaluations essential for maintaining affordable coverage.
Looking for affordable coverage in Norman? Get answers about state regulations, available discounts and policy options to help you find coverage within your budget.
Progressive offers Norman’s cheapest car insurance, with minimum coverage averaging $372 annually and full coverage at $1,224 per year. Your personal factors like driving record and credit score affect rates, so compare quotes from multiple companies.
Progressive ranks first among Norman's car insurance providers, earning a perfect MoneyGeek score of 100 out of 100 and outpacing Mercury Insurance by nine points. The company performs well in affordability and customer experience.
Car insurance in Norman averages $672 annually for minimum coverage and $1,692 for full coverage. Your actual premiums depend on your driving record, age and other personal factors.
Yes, Norman has expensive car insurance costs, ranking 560th for minimum coverage and 28th for full coverage affordability among Oklahoma cities.
Norman drivers pay some of Oklahoma's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Norman's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.
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.
