Lawton, OK Car Insurance

Residents of Lawton pay, on average, about $60 per month for car insurance. For information on policy rates, coverage, and more check out our guide below.
How do rates in Lawton measure up compared to neighboring areas, including Oklahoma as a whole? What should residents of Lawton expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Lawton?

Area Average Monthly Car Insurance Premium
Lawton$60
OK$72
United States$81

Based on the chart above, you can see that coverage in Lawton typically costs about $12 a month less than it does in the rest of Oklahoma.

If you're thinking of moving to Lawton from out of state, you may still be in luck. It's about $21 cheaper to insure your vehicle in Lawton compared to the average rate for the United States as a whole.

Although these are the average car insurance rates in Lawton, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your monthly premium 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 Lawton residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$98
25-34$60
35-44$57
45-54Not Enough Data
55-64$48
65+$65

The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to car insurance premiums, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $33 more than drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement age, however, you may see your rates begin to increase again in Lawton.

Average Car Insurance Rates by Gender

Gender Average
Male$63
Female$59

On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Lawton totals about $4 per month. As you can see in the table above, female drivers in the area typically pay $59 on average, while female drivers typically pay $63 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$85
Multiple Accidents$162
1 Ticket$83
Multiple Tickets$86

Rates can change drastically depending on your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. Drivers in Lawton with a single accident on their record will usually see rates around $85 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $83 on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$43
2-3 Years$60
4-5 Years$68
6-7 Years$73
8-10 Years$59
11-14 Years$65
15 Years or Older$57

As you can see in the first table above, the cheapest vehicles to insure in Lawton are by and large trucks and vans, which run about $56 per month.

SUV drivers will see rates of about $67, while the rates for car owners average out to about $60 a month.

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Lawton are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$63
Married$57
Divorced$54
Widowed$51

Generally, those who are currently married will pay slightly less to insure their car. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

The cost of auto insurance in Lawton reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $6 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$57
Rent$62
Live with parents$55

Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $5 a month more than drivers who own property in Lawton. But if you live with your parents, you can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.

Car Insurance Companies in Lawton, OK

Recent trends in car insurance for Lawton drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

In Lawton, car insurance rates dropped from 2017-2019, before rising from 2020-2021. They finished down in 2022 at $52.

How does Lawton compare to neighboring areas?

Why are car insurance rates in Lawton different from other areas?

There are a number of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:

  • Off-street parking accessibility
  • Area crime rates
  • Area laws
  • Frequency of car accidents
  • Total amount of drivers in the area

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 Lawton?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But wait! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Lawton.

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Lawton Insurance FAQs

What factors affect car insurance quotes in Lawton?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, driving record, credit score, and marital status.

Why is the cost of car insurance in Lawton different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Lawton?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Lawton?

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Lawton or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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