Car insurance costs an average of $140 monthly in Lawton. Learn more about how rates are set or enter your ZIP to compare quotes.
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The average cost of car insurance in Lawton, Oklahoma, is $1,688 each year. That's less than the statewide average in Oklahoma ($1,787) and more expensive than the nationwide average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status and other factors in Lawton.
|Lawton Average (annual)||Oklahoma Average||U.S. Average|
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 Lawton, State Farm offers the cheapest premiums for the typical insurance buyer. See below the best companies for cheap auto insurance in Lawton.
|Insurance Company||Average Yearly Rate|
Lawton drivers in their 60s pay relatively affordable car insurance rates just $1,437 each year, on average. Those in their 50s don't pay significantly more ($1,459).
Teenage drivers pay Lawton's most expensive car insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Lawton is to age out of your teens. In Lawton, teenage drivers pay $5,428 — a full $3,969 more than the second-most expensive rate paid by an age group.
|Age tier||Average Yearly Rate|
In some cases, a driver's gender and marital status may influence the car insurance premiums they pay. Married drivers in Lawton pay $129 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations.
Gender is another factor that can influence auto insurance rates. In Lawton, female drivers pay $9 per year more than do male drivers for car insurance.
|Gender/Marital Status||Average Yearly Rate|
If you want to keep your car insurance rates reasonable, keep your driving record clean. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents can lead to increases in your auto insurance rates.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Lawton, a reckless driving citation results in an average insurance rate increase of $907 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $739 increase, and a speeding ticket brings about a $383 rate hike.
|Citation||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$2,351|
|At-fault Accident (damages greater than $2,000)||$2,569|
|Speeding Ticket (16-20 mph over speed limit)||$2,071|
One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with subpar credit histories. Lawton drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 49% on their auto insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in the search for cheaper car insurance rates. In Lawton, improving your credit to "Fair" corresponds with a $486 decrease in annual car insurance rates.
|Credit Tier||Average Yearly Rate|
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.