Cheapest and Best Car Insurance in Norman, OK (August 2024)


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Updated: October 3, 2024

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In Norman, Oklahoma, Mercury has the cheapest minimum coverage car insurance, while GEICO has the most affordable full coverage. Allstate is best for families with teen drivers. Shelter has the best customer service, but Mercury is the best overall because it’s affordable. The best insurance company depends on what matters to you.

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2024

Cheapest and Best Car Insurance in Norman

Why Trust MoneyGeek? We analyzed 27,868 quotes from 10 companies in Oklahoma, including the city of Norman. We used six sources and original research to rate the cheapest companies and develop a scoring system for Norman insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Norman, OK, as of August 2024.

27,868Quotes Analyzed
 
10Companies Compared

Cheapest Minimum Coverage Car Insurance in Norman

Mercury offers the cheapest car insurance for minimum coverage in Norman.

  • Mercury: $351 per year
  • Progressive: $356 per year

Home State Insurance Group has the most expensive minimum coverage policy in the city, with an annual premium of $759. That's a $408 difference compared to Mercury's rate, highlighting the importance of comparing quotes to ensure you don't overpay for car insurance.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
MercuryAnnual Premium$351Monthly Premium$29
ProgressiveAnnual Premium$356Monthly Premium$30
State FarmAnnual Premium$428Monthly Premium$36
GEICOAnnual Premium$461Monthly Premium$38
FarmersAnnual Premium$616Monthly Premium$51
ShelterAnnual Premium$618Monthly Premium$52
Oklahoma Farm BureauAnnual Premium$675Monthly Premium$56
AllstateAnnual Premium$753Monthly Premium$63
Home State Ins GroupAnnual Premium$759Monthly Premium$63

State Minimum Liability Requirements

Oklahoma law requires car insurance for all drivers. The minimum coverage includes:

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

If you cause an accident and only have minimum coverage, your insurance will pay up to $25,000 for one person’s injuries and up to $50,000 for everyone hurt in the accident. If the injuries cost more, you’ll have to pay the difference.

Cheapest Full Coverage Car Insurance in Norman

GEICO is the cheapest full coverage car insurance cheapest option in Norman.

  • GEICO: $937 per year
  • Mercury: $1,020 per year

Home State Ins Group offers the most expensive full coverage car insurance, at $1,716 per year, which is $779 more than the cheapest option. Full coverage is more expensive because it includes comprehensive and collision coverage, which aren’t included in minimum coverage policies.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$937Monthly Premium$78
MercuryAnnual Premium$1,020Monthly Premium$85
State FarmAnnual Premium$1,030Monthly Premium$86
FarmersAnnual Premium$1,223Monthly Premium$102
AllstateAnnual Premium$1,275Monthly Premium$106
ProgressiveAnnual Premium$1,425Monthly Premium$119
ShelterAnnual Premium$1,428Monthly Premium$119
Oklahoma Farm BureauAnnual Premium$1,472Monthly Premium$123
Home State Ins GroupAnnual Premium$1,716Monthly Premium$143

Why You Need Full Coverage in Oklahoma

A full coverage policy includes comprehensive coverage for damage to your vehicle and collision coverage. It also comes with increased liability limits.

  • Collision insurance covers your vehicle against accidents involving other vehicles, objects like trees or light poles, rollovers and pothole damage.
  • Comprehensive insurance covers non-collision incidents that cause vehicle damage or loss, such as theft, natural disasters and collisions with animals like deer.

Selecting full coverage insurance is wise for new cars to protect your investment. For older vehicles, the cost of additional coverage outweighs the benefits, adding hundreds to your premiums. If you lease or loan a car, full coverage is required.

To know how much car insurance you need, weigh the pros of increased protection against the cost of higher premiums. This balance is crucial, as lower coverage could leave you underinsured.

Cheapest Car Insurance in Norman After a Driving Offense

In Norman, State Farm has the cheapest car insurance for drivers with various offenses. Here are the cheapest rates for each violation:

  • Speeding ticket and DUI: $1,129 per year
  • At-fault accident: $1,219 per year

Shelter has the highest rates for at-fault accidents, costing $2,569 annually. Oklahoma Farm Bureau has the highest rates for DUIs, costing $2,521 per year. State Farm’s rates for speeding tickets and DUIs are very similar, showing that the severity of the offense doesn’t always affect the price much.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$1,129Monthly Premium$94
GEICOAnnual Premium$1,265Monthly Premium$105
MercuryAnnual Premium$1,380Monthly Premium$115
AllstateAnnual Premium$1,478Monthly Premium$123
Oklahoma Farm BureauAnnual Premium$1,512Monthly Premium$126
FarmersAnnual Premium$1,714Monthly Premium$143
Home State Ins GroupAnnual Premium$1,786Monthly Premium$149
ProgressiveAnnual Premium$1,861Monthly Premium$155
ShelterAnnual Premium$1,990Monthly Premium$166

Insurance rates usually increase after a traffic violation because it shows you’re more likely to get into an accident. In Norman, drivers with a speeding ticket might pay $1,977 per year, while those with a DUI could pay $2,257. If you have a bad driving record, compare insurance rates to find the best deal.

Cheapest Car Insurance in Norman for Teens and Their Families

Allstate offers the cheapest car insurance for teens in Norman. Here are the lowest premiums for a policy covering two parents and a teenage driver:

  • Allstate: $1,991 per year for female teens and $2,113 per year for male teens
  • State Farm: $2,037 per year for female teens
  • Progressive: $2,524 for male teens

Farmers has the most expensive teen family policy, with rates at $2,788 for females and $2,953 for males. The $797 difference between Allstate and Farmers for a female teen highlights the importance of shopping around, especially when insuring higher-risk teenage drivers.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
AllstateFamily Plan Annual Premium$1,991Individual Plan Monthly Premium$5,490
State FarmFamily Plan Annual Premium$2,037Individual Plan Monthly Premium$2,654
ProgressiveFamily Plan Annual Premium$2,353Individual Plan Monthly Premium$6,257
GEICOFamily Plan Annual Premium$2,731Individual Plan Monthly Premium$9,607
FarmersFamily Plan Annual Premium$2,788Individual Plan Monthly Premium$9,487

In Norman and nearby cities, teens face much higher costs for individual car insurance policies compared to joining a family plan. An individual teen policy averages $7,009 per year, while adding a teen to a family plan costs about $2,604 — a difference of $4,405.

Insurers see inexperienced teen drivers as high-risk, leading to costly premiums. It’s also difficult for teens to qualify for a policy on their own. Parents should consider adding teens to their family plans for more affordable and accessible coverage.

Cheapest Car Insurance in Norman for Military Drivers

USAA offers the cheapest car insurance for military backgrounds in Norman.

  • USAA: $851 per year
  • GEICO: $937 per year

With a longstanding commitment to the military community, USAA also offers services tailored to the unique needs of active-duty military members.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$851Monthly Premium$71
GEICOAnnual Premium$937Monthly Premium$78
MercuryAnnual Premium$1,020Monthly Premium$85
State FarmAnnual Premium$1,030Monthly Premium$86
FarmersAnnual Premium$1,223Monthly Premium$102
AllstateAnnual Premium$1,275Monthly Premium$106
ProgressiveAnnual Premium$1,425Monthly Premium$119
ShelterAnnual Premium$1,428Monthly Premium$119
Oklahoma Farm BureauAnnual Premium$1,472Monthly Premium$123
Home State Ins GroupAnnual Premium$1,716Monthly Premium$143

How to Compare Cheap Norman Car Insurance Quotes Online

In Norman, comparing rates helps you save on car insurance. However, it can take about 15 minutes per insurer and up to over an hour for three or more companies. MoneyGeek's car insurance calculator can help make the process much easier. Enter key details like age, driving history, credit rating and coverage preferences to get an instant estimate.

Car Insurance Calculator

MoneyGeek'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:

Oct 04, 2024

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Best Car Insurance in Norman: Summary

Selecting the right auto insurance depends on how you prioritize factors like service, cost and coverage. Here are the top insurers based on MoneyGeek's analysis:

  • Best overall: Mercury (MoneyGeek score 79 out of 100)
  • Best for service: Shelter (MoneyGeek score 78 out of 100)
  • Best cheap: Mercury (MoneyGeek score 83 out of 100)

Mercury is a good choice for car insurance because it’s affordable and has good coverage. Shelter has great customer service, but it might be more expensive. If you want both good service and a good price, Mercury is a good option.

Best Overall Car Insurance in Norman

Mercury offers the best car insurance in Norman.

  • Mercury: MoneyGeek score of 79 out of 100 ($1,020 per year)
  • State Farm: MoneyGeek score of 74 out of 100 ($1,030 per year)

Mercury's highest MoneyGeek score reflects its strong performance in affordability and customer satisfaction, which contribute significantly to its top position for full coverage policies.

Company logo for Mercury
Best OverallMercury
MoneyGeek Score:
79/ of 100

Overview

Mercury is a good choice for car insurance because it’s affordable and has good customer service. It doesn’t have roadside assistance, but it does have rental car and/or travel reimbursement, which are common. Mercury also offers mechanical breakdown insurance, which can help you save money on repairs. It has a high score from MoneyGeek, so it’s a good option even though it doesn’t have all the coverages.

Best Car Insurance in Norman for Customer Service

Shelter has the best customer service for car insurance in Norman. This ranking is based on customer satisfaction, claims handling and coverage options, excluding cost.

  • Shelter: MoneyGeek score of 78 out of 100 ($1,428 per year)
  • Mercury: MoneyGeek score of 73 out of 100 ($1,020 per year)

Shelter excels in claims handling and offers extensive coverage options, making it a reliable option for those who prioritize dependable service after an incident.

Company logo for Shelter
Best for Customer ServiceShelter
MoneyGeek Score:
78/ of 100

Overview

Shelter has a high MoneyGeek score because of its good customer service and claims handling. It offers roadside assistance and rental car and/or travel reimbursement. Its gap insurance can help you if your car is stolen or damaged and you still owe money on it.

Best Cheap Car Insurance Companies in Norman

Mercury is the best choice for cheap and reliable car insurance in Norman. It offers a good balance of cost efficiency, customer satisfaction and claims handling.

  • Mercury: MoneyGeek score of 83 out of 100 ($351 per year)
  • State Farm: MoneyGeek score of 75 out of 100 ($428 per year)

Mercury stands out for its affordability and solid customer service, providing excellent value for a minimum coverage policy.

Company logo for Mercury
Best Cheap CompanyMercury
MoneyGeek Score:
83/ of 100

Overview

Mercury is the best choice for drivers who want cheap and reliable car insurance in Norman. It has a perfect affordability score plus good customer satisfaction and claims handling scores. Its minimum coverage costs only $351 per year.

Mercury offers many discounts, such as bundling policies, insuring multiple cars, safe driving and paying your premiums all at once. It also gives you a discount for paying your bill online.

Average Cost of Car Insurance in Norman

Car insurance in Norman costs a bit more than the Oklahoma average. Drivers in Norman pay an average of $1,293 per year, while the state average is $1,288. Still, Oklahoma car insurance is significantly cheaper than the national average by $493.

Location matters for car insurance rates. Cities with higher accident or theft rates typically have higher premiums. For example, Tulsa has the most expensive car insurance in Oklahoma at $1,371, which is more than the state average. This shows that there can be a difference even within a state. Less crowded areas might have even lower rates due to less traffic.

Broken ArrowAnnual Premium$1,282
NormanAnnual Premium$1,293
Oklahoma CityAnnual Premium$1,358
TulsaAnnual Premium$1,371

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He 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.