Car Insurance in Norman, OK
Car insurance in Norman gives you the protection your budget needs in the event of an accident or vehicle theft.
Located just 20 miles from Oklahoma City, Norman, OK, is a major metro area all its own. Norman is best known as the home of Oklahoma State University, the state's largest public higher education institution. It also boasts the headquarters of the National Weather Service. In addition to these hubs of science and research, Norman hosts many annual community festivals and has a wealth of cultural institutions. About 130,000 people live in the city as of the most recent U.S. Census data.
Sperling's Best Places reports that most Norman residents rely on cars to get around, although the area does have access to rail and transit lines. About 81% drive their own vehicles to work and more than 9% of residents carpool with a friend or neighbor. Norman offers easy access to several major highways, including SR-9, SR-77H, I-35 and US-77. The average person spends just over 22 minutes commuting to work here, about 4 minutes less than the national average.
The fatal accident rate has been increasing for several years in Oklahoma. According to a report from the Journal Record, the number of auto accident deaths in the state increased by 14% from 2019 to 2022. Many of these accidents resulted from dangerous behaviors such as distracted driving, driving under the influence and excessive speeding. Drivers should be aware of these risks and carry appropriate auto insurance coverage to cover the costs of a serious accident.
You may also want to invest in comprehensive car insurance in Norman. This policy pays for non-collision events like vandalism and theft. The city has a slightly higher-than-average rate of auto theft compared to the national average. Norman sees about 276 incidents per 100,000 residents, compared to the national rate of around 220. However, it falls well below the state rate of just over 338 as reported by Sperling's Best Places.
According to Bankrate, auto insurance in Norman costs an average of $1,939 per year for full coverage. You'll save about 1% compared to the average Oklahoma premium of $1,998 per year. In comparison, the national average is slightly more ($2,014 for an annual full-coverage policy). Every insurance company has its own method of determining rates, so you can often save by shopping around for quotes with VIU by HUB.
Some of the factors that affect your auto insurance rates include your age, your driving history, how far you drive each day and the type of car you have. Where you park at night also makes a difference. You can save compared to someone on the next block if your address happens to have a lower rate of average claims.
The state requires drivers to have at least $25,000 in bodily injury liability per person and $50,000 per accident, as well as $25,000 per accident for property damage liability. However, the Oklahoma Insurance Department cautions that many at-fault accidents cost more than these limits. The agency recommends upgrading from a 25/50/25 policy to a 100/300/100 policy for a total of $500,000 in liability coverage.
VIU by HUB streamlines the process of shopping for car insurance in Norman. Get personalized quotes from multiple providers and find the best rates for you.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
