Best Norman, OK Auto Insurance in 2024 (Your Guide to the Top 10 Companies)
State Farm, Progressive, and Geico are the best Norman, OK, auto insurance providers, with rates starting at just $28 per month. State Farm excels with personalized service, Progressive offers useful budgeting tools, and Geico is known for providing affordable car insurance in Norman, Oklahoma.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Dec 20, 2024
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19,116 reviewsState Farm, Progressive, and Geico are Norman, OK’s best auto insurance providers. Rates start at $28 monthly.
State Farm leads with personalized service, Progressive offers great budgeting tools, and Geico offers the most auto insurance coverage options, making them the top choices for coverage in Norman, Oklahoma.
Our Top 10 Company Picks: Best Norman, OK Auto Insurance
| Insurance Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Local Agents | State Farm |
 | #2 | 10% | A+ | Budgeting Tools | Progressive |
 | #3 | 25% | A++ | Affordable Rates | Geico |
 | #4 | 20% | A | Policy Customization | Farmers |
 | #5 | 10% | A++ | Military Benefits | USAA |
 | #6 | 25% | A | Flexible Coverage | Liberty Mutual |
 | #7 | 25% | A+ | Valuable Options | Allstate |
 | #8 | 20% | A+ | Bundling Discounts | Nationwide |
 | #9 | 25% | A | Young Driver | American Family |
 | #10 | 13% | A++ | Policy Bundling | Travelers |
Looking for better premiums? Enter your ZIP code above to find the best Norman, OK, auto insurance for your needs and budget.
- State Farm provides personalized service for the best Norman, OK, auto insurance
- Geico and Progressive offer competitive rates for affordable coverage
- State Farm is the top pick, with rates starting at $28 per month
#1 – State Farm: Top Pick Overall
Pros
- Cheap Premiums: Famous for low-priced premiums in Norman, Oklahoma, from $28 a month. Visit our State Farm auto insurance review to get the full scoop.
- Customized Coverage Types: State Farm provides customized policies to suit the varying needs of Norman, Oklahoma motorists.
- Low Premiums: Known for low-cost premiums in Norman, Oklahoma, starting at $28 a month. See our State Farm auto insurance review for more details.
Cons
- Fewer Online Tools: State Farm auto insurance has fewer comprehensive online tools than its competitors, which can be frustrating for users who want to manage their coverage online.
- Bad Drivers Pay More: In Norman, OK, bad drivers pay a higher State Farm rate.
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#2 – Progressive: Best for Budgeting Tools
Pros
- Price Your Car Tool: One of the unique tools presented by Progressive is the facility of naming a price over auto insurance, which most Norman, OK, owners would love to set for it.
- Coverage Options: With numerous options, one is guaranteed to land the best coverage that meets customers’ needs.
- Telematics Discounts: Drivers in Norman, OK, who can prove their safety on the road by having a snapshot of their good driving behavior may be rewarded with many discounts. This encourages responsible driving behavior.
Cons
- Customer Service Complaint: A Progressive auto insurance review will also give deep information about comparing services.
- Unaffordable Price for Teens: A Progressive auto insurance price quote is unaffordable to many teen drivers in Norman.
#3 – Geico: Best for Affordable Rates
Pros
- Low Premiums: Geico provides affordable rates for budget-conscious drivers in Norman, OK.
- Good Online Tools: Easy-to-use online and mobile tools make it easy to manage policies in Oklahoma.
- Rich in discounts: Geico If you are thinking of a Geico auto insurance review is a must-read to understand how their offerings compare to others in the market.
Cons
- Fewer Local Agents: Geico has fewer local agents in Norman, Oklahoma.
- Less Comprehensive Limits: Some Norman motorists may find the company’s standard policy options incomplete.
#4 – Farmers: Best for Policy Customization
Pros
- Bundling Options: For more information, read a Farmers auto insurance review, which provides insights into how their services perform.
- Customizable Policy Options: Farmers enable Norman, OK drivers to customize coverage to their requirements.
- Forgiveness of Accidents: Provides forgiveness benefits that may be beneficial for Oklahoma drivers.
Cons
- Higher Premiums: Farmer’s premiums in Norman, Oklahoma, are typically higher than average.
- Customer Service Variability: Inconsistent service could affect your overall experience with auto insurance.
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#5 – USAA: Best for Military Benefits
Pros
- Superior Customer Care: Top-rated support for drivers in Norman, OK.
- Wide Coverage: Policies include benefits specially designed for military families located in Norman.
- Competitive Rates: USAA offers rates that can save you money. To learn more, read a USAA auto insurance review to see how they compare.
Cons
- Membership Requirement: Only available to military members and their families, limiting access.
- Limited Local Presence: USAA has fewer physical offices for direct assistance in Norman, OK, which is important to consider when choosing an auto insurance provider.
#6 – Liberty Mutual: Best for Flexible Coverage
Pros
- Unique Add-Ons: Liberty Mutual provides interesting add-on options, like gap coverage and roadside assistance, for the Norman, OK, driver.
- Bundling Discounts: Save by bundling auto and home insurance in Oklahoma.
- Easy Digital Tools: The app makes managing your policy easy for Norman, OK, residents.
Cons
- Higher Rates for Some Drivers: A Liberty Mutual auto insurance review is a good way to compare their services to other options.
- Mixed Claims Reviews: Some drivers in Oklahoma report delays in claims processing.
#7 – Allstate: Best for Valuable Options
Pros
- Comprehensive Coverage: Provides strong options such as accident forgiveness for Norman, OK drivers.
- Claim Satisfaction Guarantee: Offers a money-back guarantee if Norman residents are unsatisfied with claims service.
- Local Agents: A strong presence in Norman ensures in-person support. Reading an Allstate auto insurance review can provide valuable insights.
Cons
- Higher Premiums: Rates in Norman, Oklahoma, are often above the state average.
- Limited Discounts for Young Drivers: Fewer savings opportunities for teens and new drivers in Norman.
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#8 – Nationwide: Best for Bundling Discounts
Pros
- Multi-Policy Savings: Offers significant discounts for Norman, OK, residents who bundle home and auto policies.
- Vanishing Deductible: This policy rewards safe drivers in Norman with a lower deductible over time. Reading a Nationwide auto insurance review will help you assess how their offerings compare to other options.
- Strong Local Presence: Accessible agents provide personalized service for Oklahoma drivers.
Cons
- Fewer Standalone Discounts: Discounts are less appealing for those not bundling policies in Norman.
- High Rates for High-Risk Drivers: Premiums increase significantly for those with accidents in Norman, OK.
#9 – American Family: Best for Family Young Driver
Pros
- Teen Safe Driver Program: This program helps young drivers in Norman, OK, build safe habits and save on premiums.
- Comprehensive Family Coverage: Offers policies designed for families in Oklahoma.
- Local Support: A strong presence in Norman for in-person assistance.
Cons
- Higher Rates for Elderly Drivers: An American Family car insurance review will also make one read about their package offers and the comparison with the others.
- Limited Availability of Discounts: Fewer overall discount opportunities compared to competitors.
#10 – Travelers: Best for Policy Bundling
Pros
- IntelliDrive Program: Tracks driving habits and rewards Norman, OK drivers with savings for safe practices.
- Strong Bundling Options: Competitive discounts for Oklahoma residents who combine policies.
- Wide Coverage Range: Travelers offers basic and premium options for Norman drivers. Read a Travelers auto insurance review for a detailed comparison of their services.
Cons
- Higher Telematics Requirements: Requires consistent participation in IntelliDrive for maximum discounts in Norman.
- Mixed Customer Reviews: Some Oklahoma customers report varying satisfaction with claims handling.
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Understanding Auto Insurance Rates in Norman, OK
Auto insurance rates in Norman, OK, are determined by driving history, auto type, and location information.
Norman, OK Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $64 | $98 |
| $65 | $98 |
| $61 | $98 |
| $54 | $90 |
| $78 | $140 |
| $63 | $98 |
| $66 | $125 |
| $28 | $57 |
| $62 | $98 |
| $54 | $90 |
By understanding these factors, readers will be better equipped to compare policies and find budget-friendly auto insurance in Norman, Oklahoma.
Norman, OK Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Financial Stability | A | Providers are financially secure |
| Customer Satisfaction | A- | Positive reviews from policyholders |
| Claims Processing | B+ | Average claim resolution time is reasonable |
| Affordability | B | Rates are moderate compared to state average |
Knowing this will guide people to compare their policies while reaching budget-friendly auto insurance deals in Norman, Oklahoma.
Key Coverage Options for Norman, OK Drivers
This section will discuss the various types of coverage offered by insurance providers in Norman, Oklahoma, including liability, comprehensive, collision, and uninsured motorist coverage.
Auto Insurance Discounts From the Top Providers in Norman, OK
| Insurance Company | Available Discounts |
|---|---|
| Drivewise (Usage-Based), Safe Driver, Good Student, Anti-theft, Multi-Policy |
| Multi-Policy, Good Student, Safe Driver, Teen Driver, Vehicle Safety, Bundling |
| Multi-Policy, Good Driver, Teen Driver, Anti-theft, Defensive Driver, Bundling |
| Military, Good Student, Defensive Driver, Anti-theft, Emergency Deployment |
| Multi-Policy, Defensive Driver, New Car, Homeowner, Paperless |
| Accident Forgiveness, Multi-Policy, Good Driver, Defensive Driver, Anti-theft |
| Snapshot (Usage-Based), Multi-Policy, Paperless, Safe Driver, Online Quote |
| Drive Safe & Save, Multiple Policies, Student Away at School, Vehicle Safety, Anti-theft |
| Multi-Policy, Safe Driver, Early Quote, Hybrid/Electric Car, Paperless |
| Military, Safe Driver, Good Student, Defensive Driver, Multi-Policy, Vehicle Safety |
It will also explain the necessary auto insurance coverage in Norman, Oklahoma, to ensure drivers are adequately protected and discuss the importance of selecting the right vehicle insurance for their needs.
How to Maximize Auto Insurance Discounts in Norman, OK
This section will highlight the discounts available from top insurers in Norman, OK, such as the safe driver discount, Allstate insurance services in Norman, Oklahoma, and State Farm agents in Norman, Oklahoma.
It will also offer guidance on qualifying for these discounts and lowering your Norman auto insurance rates.
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The Role of Customer Service in Choosing Auto Insurance in Norman, OK
This section discusses how customer service becomes essential when selecting the right Norman, OK, auto insurance company. It talks about how customer support’s efficient and responsive nature can impact your experience, especially when learning to file an auto insurance claim.
For just $28 a month, State Farm offers the best Norman, OK auto insurance with exceptional customer service that ensures a smooth claims process.
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Another issue it will discuss is why picking the Best-rated auto insurance in Oklahoma is a good option—especially considering State Farm car insurance in Norman, OK—especially with its robust customer care and efficient claims settlement processes. Finally, it will examine companies that provide inexpensive automobile insurance in Texas to clients who want more cost-friendly alternatives. When learning when to file an auto insurance claim.
Comparing Local and National Auto Insurance Providers in Norman, OK
This section will help you understand how to compare auto insurance companies by evaluating local and national providers.
What is living in Oklahoma like, specifically in Norman?
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Whether you’re looking for affordable auto insurance in Springfield, Illinois, cheap vehicle insurance in Plano, or AAA services in Norman, Oklahoma, this guide will help you assess each option’s strengths and weaknesses to find the coverage you need.
Best Auto Insurance Discounts in Norman, Oklahoma
This article highlights top auto insurance providers in Norman, OK, including State Farm, Progressive, and Geico, which are known for their competitive rates.
Norman, OK Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Accidents per Year | 1,450 |
| Claims per Year | 1,200 |
| Average Claim Cost | $5,800 |
| Percentage of Uninsured Drivers | 14% |
| Vehicle Theft Rate | 250 thefts/year |
| Traffic Density | Moderate |
| Weather-Related Incidents | Low |
It discusses coverage options, how to maximize discounts, and compares insurers.
At just $28 per month, State Farm offers the best Norman, OK auto insurance with competitive rates and exceptional coverage options.
We also emphasize the importance of customer service, especially when dealing with your insurance company when your car needs repairs.
Whether you’re researching insurance firms in Norman, Oklahoma, seeking the best auto coverage, or considering Progressive car insurance, this guide will help you make an informed decision. Use our free quote comparison tool below to discover your area’s most affordable coverage options.
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Frequently Asked Questions
What is the best Norman, Oklahoma, auto insurance provider?
State Farm, Progressive, and Geico are Norman, Oklahoma’s top auto insurance providers. These companies offer reliable coverage options, including automobile liability coverage, to suit various needs.
How can I find the best Norman, Oklahoma, auto insurance rates?
Compare quotes from top providers online. Rates start at $28 per month. Enter your ZIP code below to compare rates from the leading providers offering the best Norman, OK, auto insurance.
Which Norman, Oklahoma, insurance company offers the best customer service?
State Farm is known for exceptional customer service.
What is the best Norman, Oklahoma, auto insurance for budget-conscious drivers?
Geico offers affordable coverage.
Is State Farm the best auto insurance for young drivers in Norman, Oklahoma?
style=”box-sizing: border-box; margin: 0px; padding: 0px;”>Thanks to its competitive rates and excellent customer support, it is a great option for those seeking cheap car insurance rates.
Which Norman, Oklahoma, auto insurance providers offer the best discounts?
Progressive, State Farm, and Allstate offer great discounts.
Which Norman, Oklahoma, auto insurance company offers the best coverage for families?
American Family offers family-friendly coverage.
What is the best Norman, Oklahoma, auto insurance for military members?
USAA offers the best coverage for military families.
Which provider is best for policy customization in Norman, Oklahoma?
Regarding policy customization in Norman, Oklahoma, Farmers Insurance stands out with its excellent options. These allow you to tailor your coverage. Understanding the different types of car insurance can help you choose the right policy for your needs.
How do I maximize discounts on the best Norman, Oklahoma, auto insurance?
Use safe driver discounts, bundle policies, or apply vehicle safety features. Finding lower insurance rates is simple—enter your ZIP code into our free quote comparison tool below to get started.