Auto insurance in Norman, Oklahoma

Oklahoma premiums, which typically run $238 more than the national average, are known for being pricey. In the city of Norman, however, the average cost of car insurance is cheaper than Oklahoma's average. Check out some tips below on how to save on car insurance in Norman.

AUTO INSURANCE: NORMAN RATES VS. STATE + NATIONAL AVERAGES
Norman Average (annual) Oklahoma Average National Average
$1,624 $1,786 $1,548

 

Jump to Norman, OK auto insurance rates by:
  • Age
  • Marital status/gender
  • Driving record
  • Credit rating

 

Norman car insurance by age

The greatest decrease in premiums for Norman drivers happens when they reach their 20s. Once out of the teenage age bracket, drivers reduce their premiums by $4,301. Premiums for drivers continue to decline through their 50s, but they can expect an increase when they turn 60.

Teenage drivers have the most expensive rates of any age group. They pay around $6,511 per year on car insurance premiums. Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest car insurance payments among any age group, with rates of $1,419. Those in their 60s ($1,437) have premiums that aren't much higher.

  • Teenagers: $6,511
  • 20s: $2,209
  • 30s: $1,590
  • 40s: $1,532
  • 50s: $1,419
  • 60s: $1,437
  • 70s: $1,69

 

Norman car insurance by gender and marital status

A lot of driver traits, including marital status and gender, can have an effect on car insurance premiums in Norman. On average, females have premiums that are 2% more pricey than those for males. Being single, as opposed to married, can cost you an average of 7% more per year. Rates for those who are widowed are somewhat cheaper than rates for those who are single.

  • Female: $1,650
  • Male: $1,624
  • Single: $1,624
  • Married: $1,523
  • Divorced: $1,624
  • Widowed: $1,584

 

Norman car insurance by accident or violation history

Do you know the impact an accident or violation can have on your car insurance premiums? An at-fault accident with greater than $2,000 of damages will increase your car insurance premiums more than other driving violations.

For individuals in Norman with at-fault accidents, $775 is the amount by which annual insurance premiums can be expected to rise. Drivers with a DUI in Norman need to spend 45% more than the city average to insure their vehicle. Reckless driving will also push your rates up, with typical rates of $2,203, which are 36% higher than the city average.

  • DUI: $2,358
  • Reckless Driving: $2,203
  • At-fault Accident (damages less than $1000): $2,399
  • At-fault Accident (damages greater than $2000): $2,399
  • Speeding Ticket (16-20 mph over speed limit): $1,952

 

Norman car insurance by credit rating

There is a discrepancy of $3,662 a year between car insurance premiums for those with Very Poor credit (300-579) and Exceptional credit (800-850). In terms of percent change, the biggest benefit of better credit comes from upgrading from Very Poor (300-579) to Fair (580-669), by which drivers can save an average of 34% per year.

  • Very Poor: $5,042
  • Fair: $3,338
  • Good: $2,336
  • Very Good: $1,736
  • Exceptional: $1,380

 

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

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  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.