Cheapest Car Insurance Quotes in Norman

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Norman Car Insurance

^$ 25

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Norman

The car insurance rate in Norman is $1250 for a six-month policy, which is $71 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $869, making it a popular choice for budget-conscious drivers. Rates in Norman can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Norman

$1250

Avg. Car Insurance in Oklahoma

$1179

National Average

$1140

Cheapest Car Insurance Companies in Norman

1st place: Mercury

At $869 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $913 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1013 for six months, making it the third cheapest auto insurance company in Norman.

Norman Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Norman, OK is Mercury, offering policies at just $869 for a six-month term. This is followed by USAA, which has an average six-month premium of $913.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1750 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Norman drivers find the best deals.

Cheap Car Insurance Companies in Norman, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$869	$146
USAA	$913	$154
Progressive	$1013	$171
State Farm	$1058	$178
Shelter	$1152	$194
American Farmers & Ranchers Mutual	$1285	$218
Farm Bureau	$1354	$226
Oklahoma Farm Bureau	$1360	$231
Farmers	$1435	$242
AFR Group	$1568	$266
Allstate	$1750	$295

Key Takeaways

Way's key takeaways about car insurance in Norman

The auto insurance costs in Norman fall around $869 for six months.
The cheapest auto insurance company in Norman is Mercury.
Teen drivers pay the highest rate in Norman at $45 per month.

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Cheapest Minimum Liability Car Insurance in Norman

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Norman are given below.

Mercury provides the cheapest minimum car insurance coverage in Norman. Their Average 6 Month Premium is $152. Allstate is the most expensive at $611 for the same period.

Cheapest Liability Coverage in Norman, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$152	$25
American Farmers & Ranchers Mutual	$170	$29
USAA	$201	$34
AFR Group	$240	$40
State Farm	$252	$42
Progressive	$259	$43
Shelter	$308	$52
Oklahoma Farm Bureau	$347	$57
Farm Bureau	$384	$66
Farmers	$567	$95
Allstate	$611	$103

Cheapest Full Coverage Car Insurance in Norman

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Norman is Mercury at $146 per month and $869 for six months.

Cheapest Full Coverage Car Insurance Quotes in Norman, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$869	$146
USAA	$913	$154
Progressive	$1013	$171
State Farm	$1058	$178
Shelter	$1152	$194
American Farmers & Ranchers Mutual	$1285	$218
Farm Bureau	$1354	$226
Oklahoma Farm Bureau	$1360	$231
Farmers	$1435	$242
AFR Group	$1568	$266
Allstate	$1750	$295

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Average Car Insurance in Norman by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Norman, OK increasing?

Despite maintaining a clean driving record, your car insurance rates in Norman, Oklahoma, may be increasing due to several external factors. Oklahoma has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Norman's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Norman

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$777
30s	USAA	$602
40s	USAA	$551
50s	USAA	$529
60s	USAA	$541
70s	USAA	$624

Cheapest Car Insurance Rates for Teen Drivers in Norman,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Norman at $39 per month. At $264 for a six-month premium, American Farmers & Ranchers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AFR Group	$233	$39
Mercury	$240	$40
USAA	$1240	$209
State Farm	$1951	$329
Progressive	$2462	$414
Shelter	$3104	$523
Farm Bureau	$4048	$688
Oklahoma Farm Bureau	$4162	$693
Allstate	$4898	$825
Farmers	$7153	$1204
American Farmers & Ranchers	$264	$45

Teen Car Insurance Rates in OK by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Norman.

As young drivers face the highest rates in Norman, USAA offers the cheapest auto insurance rates at $777 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Norman, Mercury is the cheapest car insurance provider. At $201 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Norman is State Farm, offering rates of around $3501 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$201	$34
Oklahoma Farm Bureau	$340	$58
Progressive	$944	$159
USAA	$1215	$207
Farm Bureau	$1360	$227
Shelter	$2178	$370
Allstate	$2418	$403
Farmers	$3476	$591
State Farm	$3501	$583

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Save up to $971/yr on car insurance rates in Norman.

Car Insurance Rates with An Accident in Norman

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Norman, OK, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Norman

The cheapest car insurance companies after an at-fault accident in Norman include American Farmers & Ranchers Mutual and Mercury, offering $163 and $308, respectively. Farmers is an expensive provider with an average six-month premium of $2677.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$163	$28
Mercury	$308	$52
AFR Group	$384	$64
State Farm	$598	$101
USAA	$699	$118
Oklahoma Farm Bureau	$906	$153
Progressive	$1001	$169
Farm Bureau	$1480	$251
Shelter	$1512	$254
Allstate	$2437	$410
Farmers	$2677	$451

Norman Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Norman OK. For example, the car insurance in Norman after a DUI increases to $668 for a six month policy. While the rate increases by $302 for a six-month policy in the case of a speeding ticket.

Norman auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1259	$210
One comp claim	$1285	$218
One Med/PIP claim	$1285	$214
Two Med/PIP claims	$1297	$220
Not-at-fault accident	$1304	$217
Two comp claims	$1310	$223
Failure to show documents	$1392	$232
Failure to wear a seat belt	$1435	$244
Child safety restraint	$1442	$241
Driving without lights	$1442	$245
Driving with expired registration	$1467	$245
Cell phone violation	$1486	$252
Driving too slowly	$1486	$248
Speeding in school zone	$1486	$252
Texting while driving	$1486	$248
Failure to yield	$1499	$254
Failure to stop at a red light	$1505	$251
Following too closely	$1512	$257
Illegal turn	$1512	$252
Wrong way/wrong lane	$1523	$259
Improper passing	$1530	$255
In 65 MPH zone	$1555	$264
Speeding 11 - 15 MPH over limit	$1561	$261
Speeding 6 - 10 MPH over limit	$1561	$265
Passing school bus	$1568	$262
Speeding 16 - 20 MPH over limit	$1568	$266
Open container	$1593	$265
Speeding 21 - 25 MPH over limit	$1606	$273
At-fault accident - less than $1000	$1612	$268
Operating a vehicle without permission	$1700	$289
At-fault accident - $1000-$2000	$1713	$285
At-fault accident - greater than $2000	$1713	$292
Reckless driving	$1857	$310
Refusal to submit to a chemical test	$1902	$323
DUI	$1927	$321
Racing	$1983	$337
Driving with a suspended license	$2090	$349
Leaving scene of an accident/hit and run	$2090	$355

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Norman after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Norman.

The cheapest car insurance premiums in Norman are offered by Mercury at $283 for a six-month policy. However, it can be as expensive as $2424 with companies like Farmers.

Norman car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$283	$48
Progressive	$718	$121
State Farm	$906	$153
USAA	$1052	$177
Shelter	$1713	$288
Oklahoma Farm Bureau	$2078	$347
Farm Bureau	$2135	$363
Allstate	$2279	$384
Farmers	$2424	$408

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Norman are offered by Mercury at $220. However, it can be as expensive as $2902 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Norman after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$220	$37
Oklahoma Farm Bureau	$308	$52
State Farm	$535	$90
Progressive	$749	$126
USAA	$818	$137
Shelter	$1285	$218
Farm Bureau	$1354	$226
Allstate	$1851	$315
Farmers	$2902	$483

Car Insurance Price Trends in Norman, Oklahoma

Car insurance rates in Norman have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Norman rose by $235 in December compared to $231 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Norman rose to $50 in December, compared to $48 in November. This represents an increase of $2 when comparing December and November.

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Average Car Insurance Cost in Norman by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Norman. At $1674 for a six-month policy, insuring your car at 73071 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
73071	$1674	$282
73072	$1712	$288
73026	$1349	$227
73069	$1487	$251

Frequently Asked Questions

How much is car insurance in Norman?

The car insurance in Norman is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Norman?

The cheapest car insurance in Norman is $146 per month for full coverage.

How much is car insurance in Norman for teenagers?

Car insurance for teenagers costs $233 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Norman?

The average cost of car insurance is $1179 for a six-month policy. It will cost around $211 per month to insure your car in Norman.

Is car insurance expensive in Norman?

Car insurance can be expensive in Norman if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Norman can be affordable.

Cheapest Car Insurance Quotes in Norman

Why you can trust Way?

How Much Is Car Insurance in Norman

Avg. Car Insurance in Norman

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Norman

1st place: Mercury

2nd place: USAA

3rd place: Progressive

Norman Car Insurance Rates by Company

Cheap Car Insurance Companies in Norman, OK

Way's key takeaways about car insurance in Norman

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Norman

Cheapest Liability Coverage in Norman, OK

Cheapest Full Coverage Car Insurance in Norman

Cheapest Full Coverage Car Insurance Quotes in Norman, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Norman by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Norman, OK increasing?

Car Insurance Premiums by Age in Norman

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Norman,OK

If you are in your twenties USAA is the best choice for car insurance in Norman.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Norman

Cheapest Car Insurance Companies after an At-Fault Accident in Norman

Norman Car Insurance Rates by Violation

Norman auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Norman after a DUI

Norman car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Norman after Speeding ticket

Car Insurance Price Trends in Norman, Oklahoma

Average Car Insurance Cost in Norman by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Norman, OK

Car Insurance Rates by State in the USA (2025 Update)

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