Compare Lawton, OK Car Insurance Rates [2024]
Car insurance in Lawton, OK averages $326 a month. Lawton, Oklahoma car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Lawton car insurance rates, compare quotes from the top car insurance companies in Lawton, OK.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Lawton, OK are $3,909/year
- The cheapest car insurance company in Lawton is State Farm
- The cheapest car insurance company in Lawton for teen drivers is State Farm
If you need to buy Lawton, Oklahoma car insurance, the options can be confusing. Everything you need to know about car insurance in Lawton, OK is right here.
You’ll find Lawton car insurance rates, the cheapest Lawton, OK car insurance companies, and information on Oklahoma car insurance laws. You can also compare Lawton, Oklahoma car insurance rates to Enid car insurance rates, Stillwater car insurance rates, and Norman car insurance rates.
Ready to find affordable Lawton, OK car insurance today? Enter your ZIP code for fast, free Lawton car insurance quotes.
Cheapest Lawton, OK Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Lawton, OK car insurance rates? Every Lawton, Oklahoma car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,214 | $2,224 | $2,037 | $2,139 | $6,811 | $7,997 | $2,392 | $2,529 |
| Farmers | $2,092 | $2,070 | $1,877 | $1,991 | $8,231 | $8,424 | $2,375 | $2,471 |
| Geico | $1,896 | $2,085 | $2,046 | $2,318 | $5,683 | $6,071 | $1,662 | $1,674 |
| Liberty Mutual | $4,414 | $4,664 | $3,880 | $4,231 | $12,297 | $13,511 | $4,588 | $4,748 |
| Progressive | $2,630 | $2,503 | $2,170 | $2,290 | $10,460 | $11,726 | $3,083 | $3,234 |
| State Farm | $1,803 | $1,803 | $1,603 | $1,603 | $4,870 | $6,118 | $1,903 | $2,145 |
| USAA | $1,858 | $1,852 | $1,792 | $1,798 | $6,172 | $6,859 | $2,386 | $2,606 |
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Minimum Car Insurance in Lawton, OK
Every driver must carry the minimum car insurance required by the state in Lawton, OK. Take a look at the Oklahoma car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Lawton, OK Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Lawton, OK. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Lawton from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,374 | $3,322 | $2,932 |
| Farmers | $4,236 | $3,506 | $3,332 |
| Geico | $3,526 | $2,929 | $2,333 |
| Liberty Mutual | $9,385 | $5,737 | $4,503 |
| Progressive | $5,405 | $4,601 | $4,279 |
| State Farm | $3,798 | $2,434 | $1,961 |
| USAA | $4,673 | $2,681 | $2,142 |
Cheapest Lawton, OK Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Lawton, OK to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,045 | $3,569 | $4,130 | $3,428 |
| Farmers | $3,110 | $4,010 | $3,913 | $3,733 |
| Geico | $2,121 | $3,278 | $3,666 | $2,653 |
| Liberty Mutual | $4,407 | $7,367 | $8,332 | $6,062 |
| Progressive | $3,709 | $6,893 | $4,093 | $4,353 |
| State Farm | $2,518 | $2,944 | $2,731 | $2,731 |
| USAA | $2,330 | $3,360 | $4,101 | $2,870 |
Cheapest Lawton, OK Car Insurance for Teen Drivers
Teen car insurance in Lawton, OK can be expensive. Take a look at rates from the top car insurance companies in Lawton for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,811 | $7,997 |
| Farmers | $8,231 | $8,424 |
| Geico | $5,683 | $6,071 |
| Liberty Mutual | $12,297 | $13,511 |
| Progressive | $10,460 | $11,726 |
| State Farm | $4,870 | $6,118 |
| USAA | $6,172 | $6,859 |
Cheapest Lawton, OK Car Insurance for Seniors
Take a look at Lawton, OK rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,037 | $2,139 |
| Farmers | $1,877 | $1,991 |
| Geico | $2,046 | $2,318 |
| Liberty Mutual | $3,880 | $4,231 |
| Progressive | $2,170 | $2,290 |
| State Farm | $1,603 | $1,603 |
| USAA | $1,792 | $1,798 |
Cheapest Lawton, OK Car Insurance Rates After a DUI
A DUI in Lawton, OK increases car insurance rates. Compare Lawton, Oklahoma car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,130 |
| Farmers | $3,913 |
| Geico | $3,666 |
| Liberty Mutual | $8,332 |
| Progressive | $4,093 |
| State Farm | $2,731 |
| USAA | $4,101 |
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Cheapest Lawton, OK Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Lawton, OK by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,543 | $3,543 |
| Farmers | $3,691 | $3,691 |
| Geico | $2,878 | $2,980 |
| Liberty Mutual | $6,542 | $6,542 |
| Progressive | $4,762 | $4,762 |
| State Farm | $2,685 | $2,777 |
| USAA | $3,128 | $3,203 |
Cheapest Lawton, OK Car Insurance Rates by ZIP Code
Lawton car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Lawton, OK.
| ZIP Code | Average Annual Rates |
|---|---|
| 73501 | $3,883 |
| 73503 | $3,881 |
| 73505 | $3,913 |
| 73507 | $3,888 |
The Best Cheap Car Insurance Companies in Lawton, OK
Take a look at a side-by-side comparison of the top car insurance companies in Lawton, OK to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,543 |
| Farmers | $3,691 |
| Geico | $2,929 |
| Liberty Mutual | $6,542 |
| Progressive | $4,762 |
| State Farm | $2,731 |
| USAA | $3,165 |
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Category Winners: Cheapest Car Insurance in Lawton, Oklahoma
Find the cheapest car insurance companies in Lawton, OK for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | Geico |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
Cheapest Lawton, OK Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Lawton car insurance rates. Find the cheapest Lawton, OK car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,341 | $3,530 | $3,758 |
| Farmers | $3,520 | $3,647 | $3,908 |
| Geico | $2,723 | $2,933 | $3,131 |
| Liberty Mutual | $6,205 | $6,518 | $6,902 |
| Progressive | $4,427 | $4,733 | $5,126 |
| State Farm | $2,545 | $2,711 | $2,937 |
| USAA | $3,034 | $3,156 | $3,306 |
What affects car insurance rates in Lawton, Oklahoma?
What are the factors that affect car insurance rates in Lawton, OK car insurance? There are several reasons why Lawton car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lawton, Oklahoma.
Commute Time in Lawton
The more time you spend in your car the higher the risk of an accident. The average commute length in Lawton, OK is 15.4 minutes according to City-Data.
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Compare Car Insurance Quotes in Lawton, OK
Ready to find affordable Lawton, Oklahoma car insurance today? Enter your ZIP code for fast, free Lawton, OK car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in Lawton, OK?
Comparing car insurance rates in Lawton, OK is relatively easy. You can start by gathering quotes from multiple insurance providers operating in the area. Most insurance companies have online platforms where you can request a quote by providing some basic information about yourself and your vehicle. Additionally, you can reach out to local insurance agents or brokers who can provide you with quotes from multiple insurers. Comparing these rates will help you identify the best insurance option for your needs.
What factors affect car insurance rates in Lawton, OK?
Several factors influence car insurance rates in Lawton, OK. These factors include your driving history, age, gender, marital status, credit score, type of vehicle, annual mileage, and the coverage options you choose. Insurance providers assess these factors to determine the level of risk associated with insuring you and your vehicle. Generally, drivers with a clean driving record, good credit score, and low-risk characteristics tend to receive lower insurance rates.
Are there any specific requirements for car insurance coverage in Lawton, OK?
Yes, Lawton, OK has specific requirements for car insurance coverage. As of my knowledge cutoff in September 2021, Oklahoma state law mandates that all drivers carry minimum liability insurance. The minimum requirements include at least $25,000 bodily injury liability coverage per person, $50,000 bodily injury liability coverage per accident, and $25,000 property damage liability coverage per accident. It’s crucial to review the current state laws or consult with an insurance professional to ensure you meet the necessary coverage requirements.
Can I get discounts on car insurance in Lawton, OK?
Yes, insurance providers often offer various discounts that can help you save money on car insurance in Lawton, OK. Common discounts include safe driver discounts, multi-policy discounts (when you bundle multiple insurance policies with the same provider), good student discounts, discounts for taking defensive driving courses, and discounts for installing anti-theft devices or safety features in your vehicle. To take advantage of these discounts, it’s best to inquire with different insurance companies or speak to a local insurance agent who can guide you through available discount options.
How can I lower my car insurance rates in Lawton, OK?
There are several strategies you can employ to lower your car insurance rates in Lawton, OK. First, maintain a clean driving record by avoiding accidents and traffic violations. Second, consider raising your deductible—the amount you pay out of pocket before insurance coverage kicks in—to reduce your premium. Third, review your coverage options and assess if any adjustments can be made based on your vehicle’s value and your specific needs. Additionally, inquire about available discounts from your insurance provider or consider bundling your policies with the same insurer to benefit from multi-policy discounts.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.