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How much is car insurance in Edmond?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Edmond are about $12 a month more expensive than the rest of Oklahoma.
Similarly, Edmond residents should prepare to pay higher rates for coverage than the rest of the country. It's around $3 more expensive to insure your vehicle in Edmond compared to the average rate for the rest of the U.S.
Although these are the average rates for auto insurance in Edmond, it's important to remember that you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Edmond residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Edmond drivers may see their rates creep back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Edmond, however, men actually pay a little bit less than female drivers for auto insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Edmond, a driving record with a single accident will usually get you a rate around $115 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $141.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$86|
|15 Years or Older||$83|
In Edmond, the cheapest vehicles to insure are typically cars, with drivers paying around $80 per month for insurance coverage.
SUV owners, on the other hand, usually pay around $87 a month, while truck and van drivers can expect to pay about $103 per month for car insurance coverage.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Edmond are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$93|
More often than not, those who are currently married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Edmond is about $34 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$144|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $11 a month more than if you own your own home in Edmond. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Edmond, OK
Recent trends in car insurance for Edmond drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
In Edmond, the rates for auto insurance had been decreasing from 2017-2018, but began to increase from 2019-2021, when they reached a high of $96. Policy premiums finished down in 2022, at $84 a month.
How does Edmond compare to neighboring areas?
Why are car insurance rates in Edmond different from other areas?
Car insurance companies look at a number of factors when they're choosing how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Local regulations
- Prevalence of crime
- Amount of off-street parking
- Total amount of drivers in the community
- Number of car accidents
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Edmond?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, Compare.com can handle all of this for you. Just type in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies offering plans in Edmond.
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Edmond Insurance FAQs
What factors affect car insurance quotes in Edmond?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Edmond different from other neighboring cities?
Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Edmond?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Edmond?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Edmond or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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