What's the average car insurance rate in Lawton?

 

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.

 

AUTO INSURANCE COSTS: LAWTON VS. STATE AND U.S. AVERAGES
Lawton Average (annual) Oklahoma Average U.S. Average
$1,688 $1,787 $1,548

 

Contents:
  • Company
  • Age group
  • Marital status/gender
  • Driving history
  • Credit score

 

Lawton car insurance rates by insurer

 

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.

 

LAWTON AUTO INSURANCE RATES BY COMPANY
Insurance Company Average Yearly Rate
State Farm $1,170
GEICO $1,246
Farmers $1,517
Progressive $1,561
Allstate $1,747

 

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

 

 

Lawton car insurance premiums by age

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.

 

LAWTON CAR INSURANCE PREMIUMS BY DRIVER AGE
Age tier Average Yearly Rate
Teenagers $5,428
20s $2,120
30s $1,670
40s $1,591
50s $1,459
60s $1,437
70s $1,628

 

Learn more about the impact of age on car insurance premiums.

 

 

Lawton auto insurance rates by gender and marital status

 

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.

 

LAWTON CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital Status Average Yearly Rate
Female $1,697
Male $1,688
Single $1,688
Married $1,559
Divorced $1,653
Widowed $1,598

 

Read more about the relationships between gender, marital status and insurance rates.

 

 

Lawton auto insurance rates by citation and accident history

 

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.

 

LAWTON CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Citation Average Yearly Rate
DWI/DUI $2,427
Reckless Driving $2,595
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

 

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

 

 

Lawton car insurance premiums by credit score

 

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.

 

LAWTON AUTO INSURANCE RATES BY CREDIT LEVEL
Credit Tier Average Yearly Rate
Very Poor $2,950
Fair $2,464
Good $2,092
Very Good $1,778
Exceptional $1,505

 

Get more information on how credit impacts car insurance costs.

 

 

 

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

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