Noble, OK Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Noble, 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.
Overview of Car Insurance in Noble, OK
Auto insurance is something that all drivers must have in order to protect themselves, their vehicles, and others on the road. Many types and amounts of coverage are available, so it is crucial to understand what each type covers. Liability insurance is the most basic type of coverage and covers damages to other people or property you may cause while driving.
The average cost of car insurance in Noble, OK, is $1,568. Auto insurance rates can vary greatly depending on the type of coverage you choose, the amount of coverage you need, the company you choose, your driving record, and other factors. Be sure to shop around and compare rates before you purchase a policy to get the best deal. Zimlon has examined the factors influencing the variation in the cost of auto insurance in Noble, OK, through its research.
Credit History
Insurers use credit-based insurance scores to help predict the likelihood that a policyholder will file a claim. Studies have shown that drivers with lower credit scores are more likely to file claims than those with higher scores. As a result, drivers with lower credit scores typically pay higher premiums than those with higher scores. For example, in Noble, OK, people who own cars with excellent credit must pay $1,536, while those with poor credit must pay $2,558. Therefore, the higher the credit score, the lower the price of Noble, OK car insurance.
Age of the Driver
One of the numerous elements that affect auto insurance premiums is age. The rates for young drivers are typically higher than those for older drivers. This is due to the perception that young drivers present a greater risk on the road. They have a higher chance of getting into accidents and receiving speeding tickets. In order to cover the increased risk, insurance companies raise their rates. For instance, young drivers in Noble, Oklahoma, have to pay $3,456 for auto insurance, while those over 40 must pay $1,014 in the same city.
Driving Habits
Your driving style significantly impacts your insurance premiums when it comes to automobile coverage. You should anticipate paying less for insurance if you drive safely and have a spotless record compared to someone who has had accidents or traffic violations. You can anticipate paying more for your coverage if you're a high-risk driver because insurance companies use data to determine risk. For instance, drivers in Noble, OK, who run red lights or have expired licenses will pay higher vehicle insurance premiums of +$365 and +$1,057, respectively.
Factors that can influence the cost of car insurance in Noble, 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.
- Noble, OK Auto Insurance Rates
- Noble, OK Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Noble, OK
- Multi Vehicle Insurance Savings in Noble, OK
- How Credit Score Affects Car Insurance Rates in Noble, OK
- How DUI Affects Auto Insurance Premiums in Noble, OK
- Top Auto Insurance Agents Near Noble, OK
- How Driving Violations Affect Auto Insurance Rates in Noble, OK
- Noble, OK Auto Insurance Discounts on Anti Theft Feature
Noble, OK Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Noble, OK with that of other cities in and around Noble.
| Noble | East Cleveland | Washington | Cleveland County | Norman | Slaughterville | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,568 | $1,601 | $1,635 | $1,627 | $1,645 | $1,575 |
Noble, 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 Noble, 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) |
|---|---|---|
| Noble | $2,772 | $2,341 |
| Goldsby | $1,392 | $1,175 |
| Slaughterville | $1,649 | $1,393 |
| Cleveland County | $1,693 | $1,430 |
| East Cleveland | $1,486 | $1,255 |
| Washington | $1,657 | $1,400 |
| Norman | $1,117 | $943 |
| McClain County | $1,113 | $940 |
Noble, OK Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Noble, 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 | $5,088 |
| 20 Years | $2,015 |
| 30 Years | $1,552 |
| 40 Years | $1,493 |
| 50 Years | $1,383 |
| 60 Years | $1,402 |
| 70 Years | $1,632 |
Noble, OK Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Noble, 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 | $2,728 | $408 |
| 3 Vehicles | $4,092 | $612 |
| 4 Vehicles | $5,457 | $815 |
Savings on 2 Vehicles bundle:$408
Savings on 3 Vehicles bundle:$612
Savings on 4 Vehicles bundle:$815
Noble, 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 Noble, OK.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Noble | $1,568 | $2,449 |
| Goldsby | $1,707 | $2,666 |
| Slaughterville | $1,575 | $2,460 |
| Cleveland County | $1,627 | $2,541 |
| East Cleveland | $1,601 | $2,500 |
| Washington | $1,635 | $2,553 |
| Norman | $1,645 | $2,569 |
| McClain County | $1,641 | $2,563 |
Noble, 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) | $1,345 |
| Excellent (740-799) | $1,536 |
| Good (670-739) | $1,634 |
| Average (580-669) | $2,132 |
| Poor (300-579) | $2,558 |
Noble, 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 |
|---|---|---|---|
| David Ojeda | Farmers | 1014 24th Ave NW Ste 110, Norman, 73069 | (405) 928-5995 |
| James Blossom | Farmers | 1014 24th Ave NW Ste 110, Norman, 73069 | (405) 928-5995 |
| Greg Ellis | State Farm | 2516 Tee Dr, Norman, 73069-6379 | 405-321-0600 |
| Shayne Fisher | Farmers | 3391 Classen Blvd Ste 107, Norman, 73071 | (405) 701-8579 |
| Ken Shelton | State Farm | 10901 S Western Ave Ste A, Oklahoma City, 73170-6213 | 405-378-0407 |
| Tom Cohoon | State Farm | 1200 N Flood, Norman, 73069-7623 | 405-321-5564 |
| Dale Mogseth | Farmers | 36 SW 104th St, Oklahoma City, 73139 | (405) 691-4500 |
| David Howell | Farmers | 210 36th Ave SW Ste 1b, Norman, 73072 | (405) 366-7400 |
| David Howell | Farmers | 210 36th Ave SW Ste 1b, Norman, 73072 | (405) 366-7400 |
| Julianna Patricia Hernandez | Allstate | 4401 N Macarthur Blvd Ste C, Warr Acres, 73122 | (405) 470-8370 |
| Jim Chowins | State Farm | 448 36th Avenue NW, Norman, 73072-4743 | 405-364-1626 |
| Sherlock Insurance Llc | Travelers | 1432 WEST BRITTON RD STE 4, OKLAHOMA CITY, 73114 | 405-301-8150 |
Noble, 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 | $1,637 |
| Driver's Failure In Showing Documents | +$152 | $1,720 |
| Driving With An Expired Registration | +$162 | $1,730 |
| Driving At A Considerably Slow Pace | +$340 | $1,908 |
| Using A Cellphone While Driving | +$359 | $1,927 |
| Running A Red Light | +$365 | $1,933 |
| Speeding | +$384 | $1,952 |
| Driving A Vehicle Without The Required Permission | +$488 | $2,056 |
| Driving With An Expired/Suspended License | +$1,057 | $2,625 |
Noble, 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 | $1,505 |
| Active Disabling Device | $1,505 |
| Tracking Device | $1,474 |
| Passive Disabling Device | $1,458 |