Progressive has the lowest car insurance rates in Norman of $374 per year for minimum coverage and $1,222 annually for full coverage. Other affordable insurers in the city include Mercury, State Farm, GEICO and American Farmers & Ranchers.
Car Insurance in Norman
Updated: August 9, 2025
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Key Takeaways
Norman's cheapest car insurance companies are Progressive, Mercury and GEICO, with savings up to 36% compared to the city average.
Monthly car insurance costs in Norman average $141 for full coverage and $56 for minimum coverage.
To get the best cheap auto insurance in Norman, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Norman?
| Progressive | $31 | $102 | -36% |
| Mercury | $39 | $117 | -25% |
| GEICO | $44 | $114 | -24% |
| American Farmers & Ranchers | $42 | $122 | -21% |
| State Farm | $38 | $129 | -19% |
Compare the Cheapest Norman Car Insurance for You
Your car insurance rates depend heavily on your driving record, age and other personal factors. Check the table below to find the cheapest insurance provider based on your specific profile.
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit Alignment:Good
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Driving Record:Clean
| Progressive | $31 | $374 | -48% |
| State Farm | $38 | $458 | -36% |
| Mercury | $39 | $468 | -35% |
| American Farmers & Ranchers | $42 | $503 | -30% |
| GEICO | $44 | $533 | -26% |
Cheapest Car Insurance by Age Group in Norman
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16 to 25 (young), 26 to 64 (adults), and 65+ (seniors). Based on our data in Norman, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: American Farmers & Ranchers (from $64 per month)
- Cheapest Car Insurance for Adults: Progressive (from $31 per month)
- Cheapest Car Insurance for Seniors: Progressive (from $43 per month)
Cheapest Car Insurance for Young Drivers in Norman
American Farmers & Ranchers and State Farm offer the most affordable car insurance for young drivers in Norman, with monthly rates starting at $64 and $79, respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| 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% |
Cheapest Car Insurance for Adult Drivers in Norman
In Norman, Progressive provides the lowest rates for adult drivers (26 to 64), saving drivers around 48% on average. State Farm and GEICO are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Progressive | $31 | $374 | -48% |
| State Farm | $38 | $458 | -36% |
| Mercury | $39 | $468 | -35% |
| American Farmers & Ranchers | $42 | $503 | -30% |
| GEICO | $44 | $533 | -26% |
Cheapest Car Insurance for Senior Drivers in Norman
For seniors in Norman, Progressive provides the lowest rates for both minimum and full coverage car insurance. Minimum coverage costs $43 per month or $518 annually, while full coverage runs $109 monthly or $1,307 per year.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Progressive | $43 | $518 | -44% |
| State Farm | $47 | $564 | -39% |
| American Farmers & Ranchers | $51 | $612 | -34% |
| Mercury | $58 | $695 | -25% |
| Shelter Insurance | $60 | $723 | -22% |
Cheapest Car Insurance for High-Risk Drivers in Norman
These insurance companies offer the lowest rates for high-risk drivers in Norman:
- Cheapest for Bad Credit: American Farmers & Ranchers (from $64 per month)
- Cheapest With a DUI: Progressive (from $39 per month)
- Cheapest With an Accident: American Farmers & Ranchers (from $42 per month)
- Cheapest With a Speeding Ticket: State Farm (from $40 per month)
Cheapest Car Insurance for Bad Credit in Norman
American Farmers & Ranchers offers the cheapest car insurance for bad credit in Norman, with monthly rates starting at $64 for minimum coverage and $170 for full coverage. These affordable rates apply to drivers with clean records looking for either basic liability protection or comprehensive coverage with higher limits.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| 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% |
Cheapest Car Insurance With a DUI in Norman
Progressive offers the cheapest car insurance in Norman for drivers with a DUI. You can save up to 54% on minimum coverage and 39% on full coverage compared to average city rates.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Progressive | $39 | $467 | -54% |
| State Farm | $40 | $484 | -53% |
| Mercury | $55 | $658 | -36% |
| Shelter Insurance | $78 | $938 | -8% |
| GEICO | $82 | $988 | -3% |
Cheapest Car Insurance With an Accident in Norman
American Farmers & Ranchers has the most affordable car insurance rates in Norman for drivers with an accident record. Their monthly premiums start at $42 for state minimum liability coverage.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| American Farmers & Ranchers | $42 | $503 | -49% |
| State Farm | $43 | $517 | -47% |
| Progressive | $54 | $649 | -34% |
| GEICO | $71 | $852 | -13% |
| Farm Bureau | $78 | $939 | -4% |
Cheapest Car Insurance With a Speeding Ticket in Norman
For Norman drivers with speeding tickets, State Farm offers the most affordable car insurance options. Their minimum liability coverage costs about $40 per month, while full coverage with higher limits runs around $134 monthly.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $40 | $484 | -44% |
| Progressive | $43 | $520 | -40% |
| American Farmers & Ranchers | $55 | $655 | -24% |
| Mercury | $57 | $682 | -21% |
| GEICO | $60 | $716 | -17% |
Best Car Insurance Companies in Norman
Norman's top car insurance companies are Progressive, Mercury, State Farm, and GEICO. These providers stand out for offering competitive rates, reliable customer service, and comprehensive coverage options.
| 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 |
Progressive: Best Cheap Overall
pros
Best rates overall in Norman, OK for almost all driver profiles
Top customer experience overall
Most extensive add-on coverage selection
cons
Not the most affordable for those with bad credit or for young drivers
COMPANY HIGHLIGHTS
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.
How Much Is Car Insurance in Norman?
In Norman, minimum coverage costs $56 per month or $675 per year, ranking 560th out of all Oklahoma cities for affordability. Full coverage averages $141 monthly or $1,688 annually, ranking 28th among Oklahoma cities.
| Full Coverage | $141 | $1,688 |
| Minimum Coverage | $56 | $675 |
Compare Personalized Norman Car Insurance Costs
While basic rate breakdowns show general trends, use the table below to find Norman car insurance rates filtered by your specific age, driving record and other personal factors.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $207 | $2,483 | 9% |
Norman Car Insurance Costs by ZIP Code
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.
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ZIP Code:73019
| 73019 | $58 | $146 |
How to Get the Best Cheap Norman Car Insurance
With Norman's insurance rates running higher than the state average, finding affordable car coverage can feel overwhelming. Our step-by-step guide will show you proven ways to lower your premiums while maintaining the right protection for your needs.
- 1
Know your coverage requirements
Start by understanding how much coverage you need for your Norman commute. Use our car insurance coverage needs calculator to determine appropriate coverage levels. Consider factors like your car's value and your savings to protect against Oklahoma's severe weather risks.
- 2
Explore different coverage types
Look into various types of car insurance that could save you money. If you drive less than average, consider pay-per-mile coverage. Don't own a car? A non-owner policy might be your best option.
- 3
Check Norman's average rates
Review average vehicle insurance costs in Norman to set realistic expectations. This helps you identify truly competitive quotes and avoid overpaying. Local factors like traffic patterns and weather risks influence these rates.
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Stack available discounts
Maximize savings through car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Many Norman insurers offer additional savings for good driving records and safety features.
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Research insurer reliability
Investigate each company's reputation for claims handling and customer service in Norman. Check local reviews and ask neighbors about their experiences. A reliable insurer can save you money and stress when you need to file a claim.
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Get multiple quotes
Contact at least three different insurance providers for quotes. Use a mix of local Norman agents, online tools and direct carrier websites. Each company uses different factors to set rates, so comparing multiple options helps find the best deal.
- 7
Review coverage annually
Set a yearly reminder to review your policy and shop for better rates. Your circumstances and Norman's insurance market change over time. Regular reviews ensure you maintain the right coverage at the best price.
Cheapest Car Insurance in Norman: Bottom Line
Car insurance rates in Norman depend on your driving record, vehicle and credit score. Progressive and Mercury offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Norman Car Insurance: FAQ
Looking for affordable car insurance in Norman? Our FAQ section provides clear answers about finding cheap coverage that fits your budget and needs. We'll help you understand your options and save money on the right policy.
What is the cheapest car insurance company in Norman, Oklahoma?
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.
Who offers the best car insurance in Norman?
Progressive leads Norman's car insurance providers with a MoneyGeek score of 100 out of 100. Progressive excels in both affordability and service quality.
What is the average cost of car insurance in Norman?
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.
Is car insurance in Norman expensive?
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.
How We Chose the Best and Cheapest Car Insurance in Norman, OK
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:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
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:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Norman based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.