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

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.

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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 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