Ardmore Auto Insurance Rates, Quotes, Agents & Reviews in OK

Ardmore, OK Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Ardmore, OK, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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How to Get Auto Insurance Cheap in Ardmore, OK

The average cost of car insurance in Ardmore is $1580 per year. This doesn't look like a lot when you're making payments on your vehicle but it can add up quickly. Zimlon found that these prices may be even more affordable with discounts and other factors such as driver's age or credit score which are explored below by our researchers to know what options for finding cheap auto premiums really do exist out there.

Zimlon has done a substantial amount of research and has answered questions such as what is the best rate possible?  What kind of coverage should you get?. Check out the discounts available to find the best premium.

Depending on the car owner's age

Teenagers and young Ardmore residents pay higher auto insurance premiums because they are seen as less responsible behind the wheel than older drivers. In Ardmore, the typical cost for a teen driver is $5127, while 30-50 year olds can anticipate to pay less than 1564-$1393 per year. Drivers looking for premium savings could compare age-based policies that give good student discounts or safe driver/defensive driving incentives that may be offered according to your needs and other variables like marital status.

Average Auto Insurance Cost Based on the Driver’s Age


Based on Deductible

To save money on car insurance, consider going with a low deductible for more savings. Ardmore residents can get super cheap auto-insurance by considering this factor and choosing the right deductibles according to Zimlon's research. Those who opt for a low deductible ($500) pay more for auto insurance than those who opt for a high deductible ($1,000). This difference, according to Zimlon's research in Ardmore, is $1075 and $908, respectively.

Multi Car Insurance Rates

Rates for Multi-Car Insurance Car owners in Ardmore who want to save money on their insurance can consider bundling it with other types of coverage. When life and home insurance are acquired from the same firm, for example, you can obtain a decent monthly discount. According to a Zimlon analysis, Ardmore car owners who combined more than one form of insurance might save money each month by insuring both vehicles under one policy. Insurance providers in Ardmore offer $379 and $569 savings on a two-vehicle and a three-vehicle bundle, respectively. In Ardmore, bundling four vehicles can save $758 on auto insurance.

Depending on your credit score

Credit score is a crucial rating component in most states. Low-credit automobile owners not only file more claims than high-credit car owners, but their claims also appear to be more expensive. Car insurance companies frequently provide substantial discounts to drivers with a good credit score and a clean driving record. According to Zimlon's data, automobile owners in Ardmore with a strong credit score of 800 or higher spend as little as $1356 for insurance, but those at the bottom of the scale may pay as much as $2577.

Factors that can influence the cost of car insurance in Ardmore, OK are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Ardmore, OK Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Ardmore, OK with that of other cities in and around Ardmore.

Ardmore Carter County Gene Autry Ardmore North Dickson Springer
Average Insurance Rates $1,580 $1,568 $1,536 $1,550 $1,599 $1,540

Ardmore, OK Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Ardmore, OK based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Ardmore $1,075 $908
Lone Grove $1,339 $1,131
Dickson $1,054 $890
Springer $1,553 $1,312
Carter County $1,044 $882
Gene Autry $1,458 $1,232
Ardmore North $1,628 $1,375
Mannsville $1,898 $1,603

Ardmore, OK Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Ardmore, OK usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,127
20 Years $2,030
30 Years $1,564
40 Years $1,504
50 Years $1,393
60 Years $1,413
70 Years $1,644

Ardmore, OK Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Ardmore, OK can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,781 $379
3 Vehicles $4,171 $569
4 Vehicles $5,562 $758

Savings on 2 Vehicles bundle:$379

Savings on 3 Vehicles bundle:$569

Savings on 4 Vehicles bundle:$758

Ardmore, OK Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Ardmore, OK.

Location Average Insurance Cost Post DUI Insurance Rate
Ardmore $1,580 $2,468
Lone Grove $1,586 $2,477
Dickson $1,599 $2,497
Springer $1,540 $2,405
Carter County $1,568 $2,449
Gene Autry $1,536 $2,399
Ardmore North $1,550 $2,421
Mannsville $1,522 $2,377

Ardmore, OK Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,356
Excellent (740-799) $1,547
Good (670-739) $1,646
Average (580-669) $2,148
Poor (300-579) $2,577

Ardmore, OK Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Wayne Enyart Allstate 512 12th Ave NW, Ardmore, 73401 (580) 224-9883
Sullivan Insurance Agency Liberty Mutual Independent 321 West Broadway, Ardmore, 73401 None
The Bramlett Agency Travelers 1505 N COMMERCE STE 104, ARDMORE, 73401 580-223-7300
Jordan Insurance Group Travelers 619 GRAND AVE, ARDMORE, 73401 580-223-3233
Jordan Insurance Group None 619 Grand Ave, Ardmore, 73402 None
Tod Weder State Farm 724 Grand Ave, Ardmore, 73401-4343 580-226-6400
Shinn Agency None 419 N Washington, Ardmore, 73401 None
Steven Russell Farmers 1318 S Commerce St, Ardmore, 73401 (580) 223-3160
Douglas Brazzell Farmers 325 E St NW, Ardmore, 73401 (580) 223-4240
D Clagg Farmers PO Box 850, Maysville, 73057 (405) 867-4115
Robert Daugherty Farmers 214 S Walnut St, Pauls Valley, 73075 (405) 238-6196

Ardmore, OK Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$70 $1,650
Driver's Failure In Showing Documents +$153 $1,733
Driving With An Expired Registration +$163 $1,743
Driving At A Considerably Slow Pace +$343 $1,923
Using A Cellphone While Driving +$362 $1,942
Running A Red Light +$368 $1,948
Speeding +$387 $1,967
Driving A Vehicle Without The Required Permission +$491 $2,071
Driving With An Expired/Suspended License +$1,065 $2,645

Ardmore, OK Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,517
Active Disabling Device $1,517
Tracking Device $1,485
Passive Disabling Device $1,469

Latest Auto Insurance Reviews in Ardmore, OK | Back to Top

State Farm
State Farm offers a low deductible compared to other companies. This is a fair and reasonable company to use which I have highly recommended to friends and family.
State Farm
I would recommend State farm to any body. The company is reliable, ethical and great. In my opinion, you simply cannot go wrong with the company. I rate them a five out of five.
National General
I've only had limited interactions with them, but they've seemed fine. I haven't yet had to make a claim, and that's the true test of their services.