Table of contents
How much is car insurance in Lawton?
|Area||Average Monthly Car Insurance Premium|
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. Car insurance rates for the United States as a whole are, on average, $18 more expensive than the rates you'd pay in Lawton.
Keep in mind that while these are the average car insurance rates for Lawton, it isn't guaranteed that it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
But don't worry, we've broken down the average rate for Lawton residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay $28 more than someone who is retirement aged.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates rise again in Lawton.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The difference in average rates in Lawton totals about $5 per month. As illustrated in the table above, male drivers in the area pay about $65 on average, while female drivers pay around $60 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
Rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Lawton with a single accident will pay around $90 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $81.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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||$36|
|15 Years or Older||$62|
In terms of affordable coverage, the cheapest vehicles to insure in Lawton are typically trucks and vans, at $57 per month.
SUV drivers will see rates of about $71 to insure their car, while car owners usually pay around $61 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is close to 5 years old however, your rates may start to dip back down a bit. In Lawton, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
Generally, people who are married will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.
According to the table above, the difference in rates based on relationship status in Lawton can be as much as $13 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$54|
Another factor that comes into play is your living situation. Drivers who own property in Lawton can expect to pay around $2 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Lawton, OK
Recent trends in car insurance for Lawton drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
Insurance rates in Lawton have been mixed recently. They rose in 2016, fell in 2018, and increased again in 2020, before finishing at $74 in 2021.
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 take into consideration when figuring out how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Rate of crime
- Local regulations
- Total number of drivers in the region
- Availability of off-street parking
- Road Safety (total number of local car accidents)
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
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 will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer plans in Lawton.
Lawton Insurance FAQs
What factors affect car insurance quotes in Lawton?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Lawton different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Lawton?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Lawton?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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.