Norman, OK Car Insurance

The average monthly cost for car insurance in Norman is about $76. To learn more about what you're likely to pay in the Norman area, read our guide below.
Are rates in Norman higher or lower than those in neighboring areas? How do they compare to the rest of Oklahoma? What can Norman residents expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Norman?

Area Average Monthly Car Insurance Premium
Norman$76
OK$72
United States$81

As you can see in the chart above, it is around $4 a month more expensive to insure your vehicle in Norman than it is in the rest of Oklahoma.

When stacked up against the national average, the average monthly policy payment for Norman is more affordable. It's about $5 cheaper than the national average to insure your vehicle in Norman.

While these are the average costs to insure your vehicle in Norman, keep in mind that you could end up paying a different amount. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.

We've analyzed the average rate for Norman and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$108
25-34$62
35-44$75
45-54$62
55-64$57
65+$67

More time behind the wheel makes you a more experienced driver. When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay $41 more than drivers of retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Norman may see their rates creep back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$81
Female$71

In general, car insurance rates for women are usually cheaper than they are for men. In Norman, male drivers pay about $10 more a month. As you can see in the table above, male drivers in the area typically pay $81 on average, while female drivers typically pay $71 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$107
Multiple Accidents$138
1 Ticket$78
Multiple Tickets$116

One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Norman with one accident will pay around $107 a month. Similarly, drivers with one ticket will typically pay around $78 on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$95
2-3 Years$58
4-5 Years$76
6-7 Years$84
8-10 Years$80
11-14 Years$83
15 Years or Older$66

As you can see in the first table above, the cheapest vehicles to insure in Norman are usually trucks and vans, which run about $68 per month.

Car owners will see a monthly rate of about $77, while SUV owners typically pay around $80 per month.

You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Norman are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$81
Married$59
Divorced$65
Widowed$68

Overall, married policyholders will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Norman, with married couples paying about $22 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$62
Rent$80
Live with parents$120

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $18 a month more than if you own your own home in Norman. But if you live with your parents, you can expect to pay a lot 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 Norman, OK

Recent trends in car insurance for Norman drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

The cost of insurance in Norman have been mixed as of late, it fell in 2017, increased in 2019, and decreased again in 2021, before finishing at $64 in 2022.

How does Norman compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review a variety of factors. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:

  • Community laws
  • Frequency of car accidents
  • Rate of crime
  • Off-street parking availability
  • Total number of drivers in the community

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Norman?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

But wait! Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing coverage in Norman.

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Norman Insurance FAQs

What factors affect car insurance quotes in Norman?

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

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

Parking situations, crime rates, and local laws -- 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 Norman?

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 Norman?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Norman or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes