Lawton, OK Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Lawton, 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.
Top 4 car insurance companies in Lawton, Oklahoma, reveal that the lowest rates are for 55-year-old married female drivers
According to Zimlon’s analysis of the 2016 NAIC Annual Report, 55-year-old married female drivers who annually travel 12,000 miles pay the lowest median rate. By contrast, 16-year-old single male drivers travelling less than 7,500 miles annually incur the highest median rate of $2,455. The Annual Report lists the following as the four companies with the highest market share: State Farm Mutual Automobile, Farmers Insurance Group, Progressive Group (Mutual and Direct), and Allstate Fire & Casualty Insurance Company. Zimlon’s survey used information from Oklahoma’s official website (https://ok.gov/) and focuses on the 2010 Chevrolet Malibu LS four-door sedan.
The following table shows the 10 car insurance segments analyzed, the median premium rate for each segment, and the premiums charged by companies with the highest market share in Baltimore County, Maryland. The boxes in light red represent the difference between the premium and the median price, for premiums priced higher than the median. The boxes in light green represent the same difference, for prices that are lower than the median.
| Cohort | Median Car Insurance Companies in Lawton, OK | State Farm Mutual Automobile | Farmers Insurance Group | Progressive Group (Mutual and Direct) | Allstate Fire & Casualty Insurance Company |
|---|---|---|---|---|---|
| 70-year-old married male drivers travelling 7,500 miles annually | $640 | $184 | $94 | $97 | $153 |
| 21-year-old single female drivers travelling 12,000 miles annually | $1,085 | $182 | $442 | $220 | $330 |
| 70-year-old married female drivers travelling 7,500 miles annually | $593 | $137 | $60 | $111 | $106 |
| 36-year-old married female drivers travelling 12,000 miles annually | $682 | $131 | $377 | $34 | $191 |
| 55-year-old married female drivers travelling 12,000 miles annually | $582 | $66 | $133 | $7 | $114 |
| 21-year-old single male drivers travelling 12,000 miles annually | $1,246 | $137 | $471 | $553 | $322 |
| 55-year-old married male drivers travelling 12,000 miles annually | $617 | $101 | $126 | $12 | $149 |
| 16-year-old single male drivers travelling less than 7,500 miles annually | $2,455 | $227 | $1,524 | $2,338 | $408 |
| 16-year-old single female drivers travelling less than 7,500 miles annually | $1,964 | $198 | $1,847 | $1,904 | $157 |
State Farm Mutual Automobile generally offers lower premiums. Its lowest premium is $227 less than the median for the 16-year-old single male drivers’ cohort. Its second lowest premium is $198 less than the median for 16-year-old single female drivers travelling less than 7,500 miles annually.
By contrast, Farmers Insurance Company tends to offer premiums that are higher than the median rates. The lowest premium it offers is for 70-year-old married female drivers travelling 7,500 miles annually; however, the rate is $60 greater than the median. On the other hand, the most expensive premium rate is $1,524 higher than the median and is offered to 16-year-old female drivers.
Progressive Group (Mutual and Direct) offers premium rates that are generally on the higher side. Its lowest premium is $7 greater than the median and is offered to 55-year-old married female drivers travelling 12,000 miles annually. The most expensive premium, for 16-year-old male drivers, is $2,338 greater than the median.
Finally,Allstate Fire & Casualty Insurance Company offers premium rates that are less than the median for all nine driver cohorts. The lowest is for the 16-year-old male drivers and $408 less than the median. The second lowest rate is $330 less than the median and is offered to 21-year-old single female drivers travelling 12,000 miles annually.
The following chart compares car insurance premium rates of the four companies with the highest market share in Lawton, OK.
Factors Influencing the Cost of Auto Insurance in Lawton, OK
The average cost of auto insurance in Lawton, OK, is $1,573. It is lower than the insurance price in neighboring places such as Cache, Southeast Comanche, Medicine Park, Fort Sill, and Comanche County. Several factors can affect the cost of auto insurance in Lawton. A thorough comparison of multiple auto insurance quotes will help car owners obtain an insurance quote that best suits their coverage needs. Zimlon also offers the option of keying in one’s zip code to get accurate auto insurance quotes.
Some of the factors that could increase the cost of auto insurance are as follows.
Deductibles:
This is one of the most common factors influencing the cost of auto insurance in Lawton, OK. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. For example, the average cost of auto insurance on a deductible of $500 is $1,070, and it decreases to $904 when the deductible is $1,000.
Age Group:
The cost of auto insurance depends on the age of the driver. Auto insurance is the cheapest for drivers who are in their fifties and sixties in Lawton. Teenagers are considered more risk-prone to accidents and continue to find auto insurance expensive at $5,104.
DUI:
DUIs can prove to be extremely expensive for car owners in almost every city in the country. This can have a lasting impact on insurance rates as well. The cost of auto insurance post-DUI in Lawton can be as high as $2,457.
Driving Violations:
Driving Violations such as driving with an expired license or speeding can also have a severe impact on auto insurance costs in Lawton, OK, mainly because it increases the amount of risk being covered by insurers. Speeding or driving with an expired license can prove to be quite expensive.
Credit Score:
A low credit score could also mean an increase in the cost of auto insurance. Moreover, auto insurance increases when the credit score is “poor” or “average.” The cost of auto insurance when the credit score is “exceptional” can be quite low.
Other factors that could make auto insurance expensive include not using anti-theft equipment. Comparing quotes is of utmost importance to reduce the cost of auto insurance in the city.
Factors that can influence the cost of car insurance in Lawton, 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.
- Lawton, OK Auto Insurance Rates
- Lawton, OK Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Lawton, OK
- Multi Vehicle Insurance Savings in Lawton, OK
- How Credit Score Affects Car Insurance Rates in Lawton, OK
- How DUI Affects Auto Insurance Premiums in Lawton, OK
- Top Auto Insurance Agents Near Lawton, OK
- How Driving Violations Affect Auto Insurance Rates in Lawton, OK
- Lawton, OK Auto Insurance Discounts on Anti Theft Feature
- Lawton, OK Auto Insurance Company Reviews
Lawton, OK Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Lawton, OK with that of other cities in and around Lawton.
| Lawton | Cache | Southeast Comanche | Medicine Park | Fort Sill | Comanche County | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,573 | $1,597 | $1,617 | $1,668 | $2,556 | $1,589 |
Lawton, 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 Lawton, 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) |
|---|---|---|
| Lawton | $1,070 | $904 |
| Comanche County | $1,120 | $946 |
| Fort Sill | $2,614 | $2,208 |
| Medicine Park | $1,095 | $925 |
| Geronimo | $1,468 | $1,240 |
| Southeast Comanche | $2,852 | $2,409 |
| Cache | $1,449 | $1,224 |
| Southwest Comanche | $1,224 | $1,034 |
Lawton, OK Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Lawton, 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 | $5,104 |
| 20 Years | $2,021 |
| 30 Years | $1,557 |
| 40 Years | $1,498 |
| 50 Years | $1,387 |
| 60 Years | $1,406 |
| 70 Years | $1,637 |
Lawton, OK Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Lawton, 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 | $2,706 | $440 |
| 3 Vehicles | $4,058 | $661 |
| 4 Vehicles | $5,411 | $881 |
Savings on 2 Vehicles bundle:$440
Savings on 3 Vehicles bundle:$661
Savings on 4 Vehicles bundle:$881
Lawton, 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 Lawton, OK.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Lawton | $1,573 | $2,457 |
| Comanche County | $1,589 | $2,482 |
| Fort Sill | $2,556 | $3,992 |
| Medicine Park | $1,668 | $2,605 |
| Geronimo | $1,527 | $2,385 |
| Southeast Comanche | $1,617 | $2,525 |
| Cache | $1,597 | $2,494 |
| Southwest Comanche | $1,632 | $2,549 |
Lawton, 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) | $1,350 |
| Excellent (740-799) | $1,541 |
| Good (670-739) | $1,639 |
| Average (580-669) | $2,138 |
| Poor (300-579) | $2,566 |
Lawton, 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 |
|---|---|---|---|
| Jason Hosch | State Farm | 1908 E Gore Blvd Ste B, Lawton, 73501-6128 | 580-699-8885 |
| Jeff Warren | Farmers | 7615 NW Cache Rd Ste 3, Lawton, 73505 | (580) 248-5714 |
| Floyds Insurance Agency Llc | Travelers | 1306 NW 53RD ST, LAWTON, 73505 | 580-536-4445 |
| Jack Carden | Farmers | 707 NW Sheridan Rd, Lawton, 73505 | (580) 355-7834 |
| Brad Latting | State Farm | 2410 NW Cache Road, Lawton, 73505 | 580-357-6230 |
| Melba Seelig | Farmers | 1230 NW Cache Rd, Lawton, 73507 | (580) 248-7826 |
| Wilcox & Mcgrath Insurance | None | 501 Sw C Ave, Lawton, 73501 | None |
| Mosley Agency Inc | Travelers | 428 GRAND AVE, CHICKASHA, 73018 | 405-224-1000 |
| Yuseff Saunders | Farmers | 1416 NW 52nd St, Lawton, 73505 | (580) 736-9102 |
| Mike Day | State Farm | 124 N 5th St, Chickasha, 73018-2406 | 405-224-1968 |
Lawton, 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 | +$69 | $1,642 |
| Driver's Failure In Showing Documents | +$153 | $1,726 |
| Driving With An Expired Registration | +$162 | $1,735 |
| Driving At A Considerably Slow Pace | +$341 | $1,914 |
| Using A Cellphone While Driving | +$360 | $1,933 |
| Running A Red Light | +$367 | $1,940 |
| Speeding | +$385 | $1,958 |
| Driving A Vehicle Without The Required Permission | +$489 | $2,062 |
| Driving With An Expired/Suspended License | +$1,060 | $2,633 |
Lawton, 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 | $1,510 |
| Active Disabling Device | $1,510 |
| Tracking Device | $1,479 |
| Passive Disabling Device | $1,463 |
Latest Auto Insurance Reviews in Lawton, OK | Back to Top
ProgressiveTheir service has been great so far. i have not had any issues with them
Farmer's Insurancethe kinds of insurance that Farmers offers is very similar to the kinds of coverage offered by other insurance carriers. This is because insurance forms are standardized.
Liberty MutualFor me this company in terms of car insurance is the best in the market. A great quality of customer service
State FarmWhen I came back, I shopped around for insurance just to see what the rates were. Most major companies wouldn't insure me because of my time abroad.
MetlifeThe premium is lower than what I had with the previous home insurance company and the deductible is currently the same. I have a combo policy.
TravelersI haven't really had any experience with Travelers' customer service yet, because I've not had to submit any claims with them yet. I've only made annual payments on their website, and that's gone fine.
TravelersI haven't really had any experience with Travelers' customer service yet, because I've not had to submit any claims with them yet. I've only made annual payments on their website, and that's gone fine.
AllstateI like Allstate insurance for my car because i am the long term customer and they give a good deal especially for me as an old customer.
Cincinnati InsuranceThe best part about this company is the price. They also auto-deduct from my checking account, so that's a plus too. Did I mention the great price?
Aarp Auto InsuranceThey were the cheapest.The service of the company is very good, and my friends have the high opinion of the company.
GeicoI kind of shopped around and most insurance companies gave around about the same price so I'm pretty satisfied with my premium.