Compare the Cheapest Car Insurance Quotes in Norman
The cost of auto insurance in Norman is around $1,242 annually — 4.4% less than Oklahoma’s average. At roughly $742 per year, GEICO offers the cheapest auto insurance in Norman. MoneyGeek also uncovered the lowest-priced auto insurance by coverage amount and driver profile to help you. Plus, we found the best companies for quality service and a good price.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Quality Verified
GEICO offers the cheapest car insurance in Norman. However, your coverage needs and profile may impact your top choice. GEICO also has the best rate for state minimum coverage and is the most affordable for drivers with a speeding ticket. USAA may be best for military families.
MoneyGeek also found the best car insurer in Norman that balances great service alongside cost; it’s GEICO.
The Cheapest and Best Car Insurance in Norman
The Cheapest Car Insurance Companies in Norman
The cheapest car insurance companies in Norman, on average, for a full coverage auto policy are:
- GEICO: $742 per year
- Farmers: $925 per year
In Norman, USAA has the second-cheapest annual premium, at around $780 per year, but only serves active-duty military, veterans and their families.
MetLife has the most expensive full coverage policy in Norman; it costs about 204.7% more than GEICO, the lowest-priced.
With full coverage, you get comprehensive and collision insurance with liability. The amount of liability you choose may affect your premium.
Cheapest Car Insurance in Norman
- Company100/300/100per year
- 1.$742
- 2.$780
- 3.$925
- 4.$961
- 5.$1,135
MoneyGeek calculated average car insurance rates in Norman for a sample 40-year-old male driver with full coverage, per our methodology.
Liability, comprehensive and collision insurance make up a full coverage policy. It provides valuable protection from damage to your car, which is why it costs more than state minimum coverage.
- Comprehensive insurance: pays for non-collision damage like falling items and hail, vandalism or theft
- Collision insurance: pays for your car’s repairs or replacement after an at-fault accident with another car or stationary object
If you drive an older car, full coverage insurance may cost more than the car’s value. Liability-only or state minimum coverage may be better options for you to save money.
Compare Car Insurance Rates in Norman
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Norman for Minimum Coverage
The Norman insurance companies with the cheapest state minimum coverage auto insurance, on average, are:
- GEICO: $383 annually
- State Farm: $435 annually
USAA's state minimum car insurance costs around $339 per year, making it the cheapest in Norman for drivers with an eligible military background.
The cheapest widely-available insurer in Norman for minimum coverage, GEICO, costs roughly $446 less than MetLife, the most expensive.
Minimum coverage is the most affordable auto insurance in Norman, but without comprehensive and collision insurance, and with the low liability coverage it includes, you risk full protection. To see how rates change with higher liability coverage, toggle the table below.
Cheapest Minimum Liability Car Insurance in Norman
- CompanyState Minimumper year
- 1.$339
- 2.$383
- 3.$435
- 4.$536
- 5.$542
In Norman, Oklahoma’s minimum coverage is the cheapest auto insurance option. However, it gives little protection. Minimum coverage in Oklahoma includes $25,000 bodily injury liability per person and $50,000 per accident, and $25,000 property damage liability per accident.
Minimum coverage could help you save money, but you may face additional costs in an at-fault accident. For example, if you cause $60,000 in total medical expenses, the policy only covers $50,000 per accident — you have to pay the remaining $10,000.
Oklahoma Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Norman if You Have Driving Violations
Your auto insurance cost in Norman does go up if your driving record includes an at-fault accident, DUI, or speeding ticket.
The companies offering the cheapest average auto insurance rates in Norman to drivers with a violation are:
- Cheapest after a ticket: GEICO, $929 per year
- Cheapest after an at-fault accident: State Farm, $1,092 per year
- Cheapest after a DUI: State Farm, $1,026 per year
Improving your driving record takes time after a violation to pay less for auto insurance. Until then, compare quotes to find the least expensive auto insurance in Norman with a ticket, at-fault accident or DUI.
Cheapest Car Insurance in Norman With a Violation
- CompanySpeeding Ticketper year
- 1.$929
- 2.$969
- 3.$1,026
- 4.$1,158
- 5.$1,222
Average Cost of Car Insurance in Norman
The average car insurance premium in Norman is $1,242 annually, which is 4.4% lower than Oklahoma’s average and 12.8% lower than the national average.
Personalized Quotes to Get You the Cheapest Car Insurance in Norman
Your ZIP code, age, gender, car model and coverage choices are just a few of the many factors that go into determining Norman car insurance quotes.
Car insurance companies weigh factors differently, which is why rates are not the same across every insurer. If you compare quotes from at least three insurers, you can find the best price possible on car insurance in Norman.
Compare Car Insurance Rates in Norman
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

The Best Car Insurance Companies in Norman
If you want to know the best insurance companies in Norman that provide affordable rates with high-quality service, MoneyGeek found them.
For the best car insurance in Norman, MoneyGeek recommends:
- GEICO: MoneyGeek score of 93 out of 100
- Allstate: MoneyGeek score of 85 out of 100
USAA has the highest MoneyGeek rating in Norman; it could be the best for eligible military families.
To arrive at our scores, MoneyGeek examined J.D. Power ratings for customer satisfaction, affordability and financial stability.










Average Cost of Car Insurance by Postal Code
Your ZIP code may affect your car insurance premium if you reside in an Oklahoma area with a high number of car accidents, thefts or other threats. Average car insurance costs in Norman vary by ZIP code slightly. The most expensive ZIP code, 73071, costs $7 more at $1,246 annually than the least expensive ZIP code, 73072, costing $1,239 per year.
- Zip CodeState Minimumper year
- 73072$1,239
- 73071$1,246
Factors That Impact Insurance Costs in Norman
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Norman. How Norman ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Norman are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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