Cheapest and Best Car Insurance Companies in Norman, OK


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ByMark Fitzpatrick
Edited byScott Strandberg
ByMark Fitzpatrick
Edited byScott Strandberg

Updated: May 20, 2024

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Your background and needs will significantly affect which company will be your cheapest option. State Farm is the best and most affordable option for a full and minimum coverage policy. It’s also the most suitable insurer after various driving offenses. Allstate offers the cheapest policies for teenagers. With a military background, USAA will be the most affordable choice. Consider Shelter if you’re looking for the best customer service.

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2024

Cheapest and Best Car Insurance in Norman, OK

Why Trust MoneyGeek? In this study, MoneyGeek analyzed Oklahoma car insurance rates and other information from Quadrant Information Services and the Oklahoma Insurance Department. We rated insurers based on our proprietary scoring system.

27,868Quotes Analyzed
 
10Companies Compared

Cheapest Minimum Liability Car Insurance in Norman

The following companies offer the most affordable minimum coverage policies in Norman:

  • State Farm: $281 per year
  • Progressive: $290 per year

Shelter's policies are the most expensive, costing an average of $639 annually.

On a statewide basis, State Farm is Oklahoma's cheapest minimum coverage insurance provider, with an average rate of $233 per year as of October 2022. The company's rates are considerably lower across the state than in Norman.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
State FarmAnnual Premium$281Monthly Premium$23
ProgressiveAnnual Premium$290Monthly Premium$24
MercuryAnnual Premium$324Monthly Premium$27
GEICOAnnual Premium$444Monthly Premium$37
FarmersAnnual Premium$509Monthly Premium$42
AllstateAnnual Premium$522Monthly Premium$43
Oklahoma Farm BureauAnnual Premium$525Monthly Premium$44
Home State Ins GroupAnnual Premium$575Monthly Premium$48

A minimum coverage policy in Oklahoma only includes coverage for bodily injury and property damage liability, with these limits:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

These bodily injury coverage limits mean that in case of an accident, the insurance provider will only cover each person's medical bills for a maximum of $25,000, up to $50,000 per accident.

Cheapest Full Coverage Car Insurance in Norman

MoneyGeek analyzed that the following companies offer the cheapest full coverage car insurance in Norman:

  • State Farm: $695 per year
  • Mercury: $783 per year

Home State Insurance Group is Norman’s most expensive insurance company for full coverage, with an average annual cost of $1,415.

Zooming out for a statewide look, State Farm is also Oklahoma’s cheapest full coverage insurance provider at an average of $718 per year as of October 2022, which shows that your location within the state can affect your policy rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$695Monthly Premium$58
MercuryAnnual Premium$783Monthly Premium$65
AllstateAnnual Premium$884Monthly Premium$74
GEICOAnnual Premium$903Monthly Premium$75
ProgressiveAnnual Premium$1,013Monthly Premium$84
FarmersAnnual Premium$1,069Monthly Premium$89
Oklahoma Farm BureauAnnual Premium$1,182Monthly Premium$99
ShelterAnnual Premium$1,356Monthly Premium$113

A full coverage policy includes collision and comprehensive insurance.

  • Collision Insurance: This coverage protects against the repair or replacement cost of a vehicle damaged in an at-fault collision with a car or other object.
  • Comprehensive Insurance: If your vehicle is damaged in a non-accident incident like theft or vandalism, this coverage will cover its replacement or repair cost.

It might not be best to purchase full coverage for an older vehicle, as the policy cost may be too high to justify if your car has a low value.

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Cheapest Car Insurance in Norman After a Driving Offense

Drivers with various violations on their record will find the most affordable rates with the following companies in Norman:

  • Speeding ticket: State Farm ($772 per year)
  • At-fault accident: State Farm ($833 per year)
  • DUI: State Farm ($772 per year)

Shelter charges the highest rates for drivers with an at-fault accident ($2,403 per year), DUI ($2,208 per year) and speeding ticket ($1,860 per year)

Your rates will be higher if you have an unfavorable driving record, which means the most affordable insurer for you will still be much more expensive than the cheapest insurer for safe drivers.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$772Monthly Premium$64
AllstateAnnual Premium$978Monthly Premium$81
MercuryAnnual Premium$1,080Monthly Premium$90
GEICOAnnual Premium$1,121Monthly Premium$93
Oklahoma Farm BureauAnnual Premium$1,214Monthly Premium$101
ProgressiveAnnual Premium$1,283Monthly Premium$107
FarmersAnnual Premium$1,367Monthly Premium$114
Home State Ins GroupAnnual Premium$1,472Monthly Premium$123

Not all violations are created equal — your car insurance rates will probably increase based on the severity of your offense. Based on our analysis, the cheapest insurance with an at-fault accident in Norman costs around $61 more than the most affordable policy for drivers with a speeding ticket.

Many insurers offer cheap car insurance for drivers with bad driving records, but you must shop around.

Cheapest Car Insurance in Norman for Teens and Their Families

The following insurance companies offer the cheapest rates for teens on a family policy in Norman:

  • Allstate: $1,991 per year for teen girls and $2,113 per year for teen boys
  • State Farm: $2,037 per year for teen girls
  • Progressive: $2,524 per year for teen boys

Farmers charges the highest rates for insuring teen girls and boys in Norman, Oklahoma, charging an average of $2,788 and $2,953 per year, respectively.

Allstate charges $122 more to insure teen boys because they are generally riskier drivers than teen girls. However, this cost difference drops off in early adulthood.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
AllstateFamily Plan Annual Premium$1,991Individual Plan Monthly Premium$7,582
State FarmFamily Plan Annual Premium$2,037Individual Plan Monthly Premium$5,292
ProgressiveFamily Plan Annual Premium$2,353Individual Plan Monthly Premium$10,242
GEICOFamily Plan Annual Premium$2,731Individual Plan Monthly Premium$16,854
FarmersFamily Plan Annual Premium$2,788Individual Plan Monthly Premium$15,434

You will pay much higher rates if you buy your own policy as a teen driver instead of joining a family policy. For instance, the average premium in Norman for a 16-year-old male driver on a family policy is $2,391 per year, but it increases to an average of $6,344 per year if they buy an individual policy. That’s a difference of $3,953 per year!

To find the cheapest car insurance for teens, you should shop around and compare rates.

Cheapest Car Insurance in Norman for Military Drivers

The following car insurance companies are the most affordable for military-affiliated drivers looking for full coverage:

  • USAA: $583 per year
  • State Farm: $695 per year

If you want a minimum coverage policy, you will also find that USAA and State Farm offer the cheapest military car insurance, with average annual prices of $208 and $281, respectively.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$583Monthly Premium$49
State FarmAnnual Premium$695Monthly Premium$58
MercuryAnnual Premium$783Monthly Premium$65
AllstateAnnual Premium$884Monthly Premium$74
GEICOAnnual Premium$903Monthly Premium$75
ProgressiveAnnual Premium$1,013Monthly Premium$84
FarmersAnnual Premium$1,069Monthly Premium$89
Oklahoma Farm BureauAnnual Premium$1,182Monthly Premium$99

How to Compare Cheap Norman Car Insurance Quotes Online

Getting an online quote from each car insurance company in Norman might take 15 or more minutes and will involve entering a lot of personal information. To avoid this hassle, you can use MoneyGeek’s car insurance calculator. It provides a rough estimate of your car insurance expenses based on age, coverage level and driving history.

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MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jun 24, 2024

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Best Car Insurance in Norman: Summary

How much you value cost, service coverage and other factors will make a significant difference when finding the best car insurance company.

The following companies offer the best car insurance policies in Norman:

  • Best overall: State Farm (MoneyGeek score of 76 out of 100)
  • Best for service: Shelter (MoneyGeek score of 68 out of 100)
  • Best cheap: State Farm (MoneyGeek score of 78 out of 100)

A company’s overall MoneyGeek score may change depending on how factors are weighted differently in each category.

State Farm is the best overall choice for car insurance in Oklahoma. With a military background, you should opt for USAA car insurance. It got a MoneyGeek score of 85 out of 100.

Best Overall Car Insurance in Norman

MoneyGeek analyzed that the following companies offer the best car insurance in Norman:

  • State Farm: MoneyGeek score of 76 out of 100 ($695 per year)
  • Mercury: MoneyGeek score of 68 out of 100 ($783 per year)

State Farm ranked the highest for affordability and second for customer satisfaction.

USAA car insurance is the most suitable option for drivers with a military background, as it received a MoneyGeek score of 85 out of 100.

How was this MoneyGeek score calculated?

State Farm

pros

checkmark

Ranked #1 for affordability

checkmark

Ranked #2 for customer satisfaction

checkmark

Offers roadside assistance and rental car or travel reimbursement

cons

close

Struggles with claims management

close

Very few add-on coverages

COMPANY HIGHLIGHTS

Although State Farm only offers common coverages, it stands out from its competitors with solid customer satisfaction scores and the most affordable policies.

State Farm offers roadside assistance and rental car or travel reimbursement coverages as optional add-ons. The roadside assistance coverage helps you if your car breaks down on the road. It pays for mechanical labor, locksmith labor, towing or other related expenses.

You can also get rental car or travel reimbursement coverage, which covers the cost of a rental vehicle and travel expenses up to a limit of $500. It also includes the repayment of your deductible (up to $500) in case of an accident in a rental car.

However, State Farm does not offer any other noteworthy car insurance coverage add-ons.

Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance in Norman for Customer Service

After excluding cost from our scoring system, MoneyGeek found that the following companies offer the best customer service in Norman:

  • Shelter: MoneyGeek score of 68 out of 100 ($1,356 per year)
  • State Farm: MoneyGeek score of 58 out of 100 ($695 per year)

Shelter scored the highest for claims management and customer satisfaction among other insurance providers.

That said, the insurer scores poorly for affordability and charges one of the highest rates for a policy in Norman, which means you will pay expensive rates for the best service quality.

How was this MoneyGeek score calculated?

Shelter

pros

checkmark

Ranked #1 for claims management and customer satisfaction

checkmark

Offers new car replacement, gap insurance and rental car or travel reimbursement coverages

cons

close

Doesn’t provide accident forgiveness coverage

COMPANY HIGHLIGHTS

Shelter handles your claims fairly, provides the best customer service and offers a handful of common and rare coverages.

If you bought a new car less than a year ago and have fewer than 15,000 miles on it, the insurance provider will replace it with the same make and model if you total it. Unlike the vast majority of competitors, Shelter includes this coverage with its full coverage policies, so you won’t need to pay extra to add it on.

You can also get gap insurance with this company, which can help you pay for the difference if your collision coverage payment doesn’t fully cover the amount you owe on your lease or loan in case of an at-fault accident.

Shelter also offers rental car or travel reimbursement. This coverage can pay for a rental car if your vehicle is stolen or getting repaired after an accident.

Read MoneyGeek's Shelter Auto Insurance Review

Best Cheap Car Insurance in Norman

MoneyGeek analyzed the affordability and service quality of various insurers offering minimum coverage policies in Norman, Oklahoma, and found that the following companies are the best options:

  • State Farm: MoneyGeek score of 78 out of 100 ($281 per year)
  • Progressive: MoneyGeek score of 77 out of 100 ($290 per year)

Purchasing minimum coverage will generally cost the least, but such a policy may not offer sufficient liability protection in an accident, and it will not protect you against damage to your vehicle.

How was this MoneyGeek score calculated?

State Farm

pros

checkmark

An affordable minimum coverage policy costs an average of $281 annually

checkmark

Provides bundling, safe driving and anti-lock brakes discounts

checkmark

Ranked the highest for affordability and second-highest for customer satisfaction

cons

close

Mediocre claims management

close

Limited coverage options

COMPANY HIGHLIGHTS

State Farm offers the cheapest minimum coverage car insurance policies in Norman. The insurer also ranked the second-highest for customer satisfaction, showing that most customers are pleased with the service they receive.

You can get many standard discounts with this company and lower your monthly premiums. For instance, if you bundle your auto policy with life insurance or other policies, State Farm will offer you a discount. You will also get a discount if you have been continuously insured with the company and remain violation-free for three years.

The company may also lower your premium if your vehicle has factory-installed anti-lock brakes. In addition, it offers a discount for having factory-installed daytime running lamps (DRL) in your car, a discount that is provided by only a few insurers.

Read MoneyGeek's State Farm Auto Insurance Review

Average Cost of Car Insurance in Norman

The average cost of full coverage car insurance in Norman is $1,033 per year, which is $7 less than Oklahoma’s average car insurance cost of $1,040 and $232 less than the national average as of October 2022. Besides many other factors, your location significantly affects your car insurance rates.

These prices are for a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.