How much is auto insurance in Edmond?


The average car insurance rate in Edmond is $1,860 per year. That's more expensive than the average in Oklahoma ($1,787) and pricier than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Edmond.


EDMOND AUTO INSURANCE RATES
Edmond Average (annual) Oklahoma Average National Average
$1,860 $1,787 $1,548


Table of contents:


Edmond auto insurance rates by company


The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Edmond, State Farm offers the cheapest rates for the average insurance customer. See below the best companies for cheap auto insurance in Edmond.


EDMOND AUTO INSURANCE RATES BY COMPANY
Insurance Company Average Yearly Rate
State Farm $1,244
GEICO $1,450
Progressive $1,702
Allstate $1,761
Farmers $1,816


Consult our expert guide to finding the best cheap car insurance.



Edmond car insurance costs by age

The age group that enjoys the lowest auto insurance rates in Edmond are drivers in their 60s, who pay an average of $1,589 per year. Drivers in their 50s pay marginally higher rates — $1,603 per year.

Teenage drivers pay Edmond's most expensive car insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Edmond is to age out of your teenage years. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Edmond is $3,845, the largest such difference between any two age groups.


EDMOND AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age Average Annual Rate
Teenagers $6,211
20s $2,366
30s $1,840
40s $1,752
50s $1,603
60s $1,589
70s $1,825


Find out more about how age affects auto insurance rates.



Edmond car insurance rates by gender and marital status


In some cases, a driver's marital status and gender may affect their car insurance premiums. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Edmond pay $149 less than single drivers for auto insurance.

Gender is another factor that can influence auto insurance rates. In Edmond, female drivers pay $17 per year more than do male drivers.


EDMOND CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/Gender Average Yearly Rate
Female $1,877
Male $1,860
Single $1,860
Married $1,711
Divorced $1,819
Widowed $1,754


Learn more about the impact gender and marital status have on insurance costs.



Edmond car insurance rates by incident history


No matter where you live, steering clear of accidents and violations is the best way to keep your auto insurance rates affordable. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to a hike in your insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Edmond drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $1,045 per year when compared to the city average. A ticket for speeding results in a $436 rate hike, on average, while a DUI violation costs $850per year in insurance premiums.


EDMOND CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation Average Yearly Rate
DUI/DWI $2,710
Reckless Driving $2,905
At-fault Accident (damages less than $1,000) $2,604
At-fault Accident (damages greater than $2,000) $2,871
Speeding Ticket (16-20 mph over speed limit) $2,296


Learn more about the impact of driving violations on car insurance rates.



Edmond car insurance rates by credit tier


An important insurance rating factor in most states is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In Edmond, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 49% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Edmond, improving your credit to "Fair" could help you earn $524 in savings on insurance premiums each year.


EDMOND CAR INSURANCE RATES BY CREDIT SCORE
Credit Level Average Rate (annual)
Very Poor $3,235
Fair $2,711
Good $2,306
Very Good $1,961
Exceptional $1,658


Learn more about the relationship between credit and car insurance.



Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.