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Cheapest car insurance in Edmond, Oklahoma (Sep 2024)
Cheapest car insurance in Edmond, Oklahoma (Sep 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Edmond, Oklahoma.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance in Edmond
- Best Car Insurance Companies in Edmond
- Best cheap car insurance quotes in Edmond
- Average cost of car insurance in Edmond
- Car insurance quotes in Edmond by rating factors
- How do different factors impact your car insurance costs in Edmond?
- Cheap car insurance quotes in Edmond after driving violations
- Cheap car insurance quotes in Edmond by age
- Cheap car insurance quotes in Edmond based on insurance history
- Cheap car insurance quotes in Edmond for popular cars
- How to lower car insurance costs in Edmond
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance in Edmond
On average,
auto insurance
in Edmond costs about $92 per month for minimum coverage liability insurance, and about $152 per month for full coverage insurance. In Edmond drivers pay 10% less than the national average. Smart car insurance shoppers in Edmond, Oklahoma come to Jerry every month, because Jerry makes it easy for customers to
compare and buy car insurance policies
. Below are some cheapest car insurance quotes Jerry found for our Edmond customers. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $110 | Marion, 46 Zip: 73003 | Hyundai Veloster | • State Minimum Liability • Comp / Collision |
| Allstate | $170 | Steve, 26 Zip: 73013 | Hyundai Sonata SE | • 50,000/100,000 Liability • Comp / Collision |
| Travelers | $81 | Cecilia, 29 Zip: 73013 | Buick Encore Preferred | • 100,000/300,000 Liability • Comp / Collision |
| Safeco | $181 | Maggie, 24 Zip: 73013 | Jeep Grand Cherokee Limited | • State Minimum Liability • Comp / Collision |
| National General | $104 | Sarah, 23 Zip: 73012 | Toyota Corolla SE | • State Minimum Liability |
Last Updated Sep 15, 2024Best Car Insurance Companies in Edmond
There is no single best car insurance company for everyone. The most important reason is that every customer gets different
car insurance quotes
based on their profile—meaning that the most affordable company is different for everyone. Besides price, you also need to consider factors such as claims handling and customer service.
To help drivers better compare the cheapest car insurance companies, Jerry conducted the largest insurance survey in the nation—and what we found surprised us. While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.
The table below shows how drivers in Edmond rate different companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Farmers | 4.7 | 3.7 | N/A | 4.3 |
| State Farm | 4.5 | 3.2 | N/A | 4.5 |
| Progressive | 4.4 | 4 | 4.5 | 4.2 |
| Allstate | 4 | 4 | 3 | 4.2 |
| Geico | 3.7 | 2.4 | 3.7 | 4 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Edmond
Oklahoma has a minimum liability insurance requirement, which is the minimal amount of car insurance you need to have in Edmond and gives you the cheapest rate. But minimum liability often isn’t enough coverage: you should consider getting full coverage if you want to cover the repair or replacement costs for your own car.
Cheap minimum liability insurance quotes in Edmond
In order to legally hit the road, Edmond drivers need to meet Oklahoma minimum coverage limits for bodily injury liability and property damage liability
In Oklahoma, drivers must carry liability insurance that consists of at least:
This minimum required coverage is often referred to as 25/50/25.
With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving.
Marion (46 years old)
$110
per month
Alvin (34 years old)
CoverageState Minimum
Edmond, OK (Zip Code: 73034)
GMC NEW Sierra C1500$120
per month
Lettie (38 years old)
$136
per month
Do you need more than minimum coverage in Edmond?
Most drivers will benefit from having higher coverage limits than Oklahoma’s 25/50/25 required minimum.
The reason why: Moderate to severe accidents can come with costs that easily exceed these minimum liability limits. In an at-fault accident, you’d be responsible for covering those costs yourself.
This could be especially true if you cause serious injuries to another person. If someone’s car is totaled, the cost to replace it could be more than $40,000.
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Edmond
Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your car. Full coverage includes comprehensive and collision coverage.
- Collision coveragecovers the cost of fixing or replacing your car after an accident
- Comprehensive coveragepays out if your car is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters
If you have a loan on the car, your lender will typically require collision and comprehensive coverage.
On top of a full-coverage policy, you can purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. Jerry has helped customers obtain full coverage quotes that won’t break the bank.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $110 | Marion, 46 Zip: 73003 | Hyundai Veloster |
• 100,000/300,000 Liability • Comp / Collision | Travelers | $81 | Cecilia, 29 Zip: 73013 | Buick Encore Preferred |
• 50,000/100,000 Liability • Comp / Collision | Allstate | $170 | Steve, 26 Zip: 73013 | Hyundai Sonata SE |
• State Minimum Liability • Comp / Collision | AAA | $163 | Rachel, 30 Zip: 73013 | Subaru WRX |
• State Minimum Liability • Comp / Collision | Bristol West | $272 | Lou, 25 Zip: 73012 | Nissan Altima S |
Last Updated Sep 15, 2024The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Edmond
By helping lots of drivers in Edmond find car insurance, we found that the average cost for minimum liability coverage is $92 per month or $1,104 per year. The average cost for full coverage insurance in Edmond is $152 per month or $1,822 per year.
While average insurance rates can help you predict your own insurance costs, it's important to note that each driver's insurance premium is calculated based on many factors such as the type of car, driving record, claims history, and demographics.
Average cost of car insurance in Edmond by zip code
Even within the same city, car insurance rates can still vary based on where you live.
Neighborhoods that have a greater incidence of auto theft, car accidents, and other situations that can lead to insurance claims will be flagged as “high-risk.” Drivers living in these neighborhoods tend to pay more than people in other areas of the city.
Take a look at some quotes real policyholders found using Jerry.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
73003 | $67 | $120 |
73012 | $82 | $182 |
73013 | $104 | $174 |
73025 | $39 | $67 |
73034 | $125 | $188 |
Car insurance quotes in Edmond by rating factors
- Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets.
- Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.
- The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
- How you use your car: Insurance companies often charge more if you drive your car to and from work than use it for leisure.
How do different factors impact your car insurance costs in Edmond?
How do different factors impact your car insurance costs in Edmond?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Oklahoma currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Edmond:
Cheap car insurance quotes in Edmond after driving violations
Your
Oklahoma driving history
impacts your auto insurance quotes. If insurance companies notice a history of violations, they’ll see you as a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Edmond after speeding ticket
In Edmond, a speeding ticket could increase your car insurance rate by about 13%. Jerry is proud to help drivers with varying speeding tickets save on car insurance.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Progressive | $244 | Edith, 23 Zip: 73013 | Hyundai Santa FE Sport | • State Minimum Liability |
Speeding 16-20 | Safeco | $85 | Julia, 25 Zip: 73013 | Mazda 3 i | • State Minimum Liability |
Last Updated Sep 15, 2024Cheapest car insurance in Edmond after DUI
In Edmond,
a DUI violation
can increase your insurance rate by as much as 22%. If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another. You may need to compare rates from many insurance companies to find low-cost options after a DUI.Jerry has helped many Edmond drivers obtain affordable auto insurance rates after a DUI.
Aaron (28 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Edmond, OK (Zip Code: 73034)
$93
per month
Clearcover
Nina (30 years old)
$210
per month
Cheapest car insurance in Edmond after an at-fault accident
One of the most important factors affecting car insurance rates is your car accident or claim history. For Edmond drivers, car accidents could result in an average rate increase of 15%.
Oklahoma is an at-fault state. If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Edmonddrivers save on car insurance after accidents.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Progressive | $114 | Walter, 30 Zip: 73012 | Jeep Renegade Trailhawk | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Travelers | $121 | Bruce, 35 Zip: 73003 | Volkswagen Tiguan S | • 100,000/300,000 Liability • Comp / Collision |
Not At Fault | AAA | $136 | Lola, 37 Zip: 73012 | Mercedes-Benz C 350 | • State Minimum Liability |
At Fault With No Injury | Safeco | $181 | Tom, 23 Zip: 73013 | Jeep Grand Cherokee Limited | • State Minimum Liability • Comp / Collision |
Last Updated Sep 15, 2024Cheapest car insurance in Edmond after other driving violations
In addition to speeding tickets and DUIs, other violations such as
reckless driving
and driving on a suspended license can also cause your in car insurance costs to increase in Edmond.We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Obey Signal | AAA | $177 | Curtis, 55 Zip: 73034 | Lexus RX 350 | • State Minimum Liability • Comp / Collision |
Wrong Way/Wrong Lane | Progressive | $70 | Philip, 60 Zip: 73003 | Dodge RAM 1500 | • State Minimum Liability • Comp / Collision |
Failure to Obey Signal | Mercury | $136 | Richard, 36 Zip: 73012 | Jeep Grand Cherokee Laredo | • 100,000/300,000 Liability • Comp / Collision |
Improper Passing | Gainsco | $387 | Alberta, 32 Zip: 73013 | Toyota Camry LE | • State Minimum Liability |
Last Updated Sep 13, 2024Cheap car insurance quotes in Edmond by age
Young drivers pay very high insurance rates due to limited driving experience. Rates usually drop around the age of 25 before rising again around age 75.
Cheapest car insurance in Edmond for young drivers
Teen drivers from ages 16 to 19 typically pay the highest rates for car insurance in Edmond. This is because teen drivers are more likely to get into accidents due to their limited driving experience.
It's therefore a good idea to ensure teen drivers have the protection of full coverage insurance—especially if they’re driving a newer vehicle. To keep those
teen car insurance
rates lower, consider keeping young drivers on a parent or guardian’s policy. Edna (24 years old)
$244
per month
Gainsco
Carl (21 years old)
$210
per month
Sarah (23 years old)
$104
per month
Cheapest car insurance in Edmond for senior drivers
Although they have a wider range of driving experience,
senior drivers
are more likely to get into car accidents
that result in serious injuries and high medical bills. For this reason, older drivers may see a rise in their insurance rates once they reach 70 to 75 years old.Sue (68 years old)
$136
per month
Garrett (69 years old)
$262
per month
Cheap car insurance quotes in Edmond based on insurance history
An important factor in your car insurance rates is your insurance history—i.e., whether you are currently insured or not.
Any lapse in your insurance coverage
usually leads to an increase in car insurance rates.To help our customers make insurance payments on time and to avoid a lapse in coverage, Jerry sends payment reminders for upcoming and overdue payments.
We have helped many customers who are currently not insured or have had a lapse in coverage find savings on a new auto insurance policy.
Joe (53 years old)
$200
per month
Garrett (43 years old)
$94
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I have had great service with Safeco and great prices
Milynn
Quick and easy to understand quotes. Very reasonably priced and great coverage! So glad I found AAA! Plan on being a lifer!
Ashley
Allstate is a great company and I love the different discounts they give you to help you keep rates low.
Veronica
Great, competitive rates. They work within your price range.
Lacreitia
Cheap car insurance quotes in Edmond for drivers with poor credit
In the state of Oklahoma, drivers who have poor credit will often have higher auto insurance costs than those with good credit. This is because
drivers with poor credit
are considered more likely to file claims. Taking steps to improve your credit history can help you save on car insurance in the long run.
Here’s how drivers with low credit scores saved with Jerry.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $104 | Johanna, 27 Zip: 73012 | Mercedes-Benz C 300 4matic | • State Minimum Liability • Comp / Collision |
660 - 750 | Safeco | $181 | Dollie, 23 Zip: 73013 | Jeep Grand Cherokee Limited | • State Minimum Liability • Comp / Collision |
660 - 750 | AAA | $166 | Phillip, 26 Zip: 73012 | Hyundai Santa FE SEL | • State Minimum Liability • Comp / Collision |
550 - 659 | Gainsco | $87 | Derek, 35 Zip: 73013 | Toyota Corolla | • State Minimum Liability |
< 550 | Bristol West | $115 | Garrett, 39 Zip: 73013 | Mercedes-Benz GL 450 4matic | • State Minimum Liability |
Last Updated Sep 11, 2024Cheap car insurance quotes in Edmond for popular cars
The type of car you drive is a major rating factor in car insurance premiums. Costs associated with the type of car include the cost of repairs or replacements, likelihood of theft, and the overall safety record of the vehicle.
Popular car models in Edmond include:
Last Updated Sep 13, 2024Cheapest car insurance in Edmond for new vs. old car
A new car is typically more expensive to insure than an older car. We have found that the average insurance cost for a car older than 10 years is $118per month in Edmond. The average cost for insuring a car less than four years old goes up to $152 per month.
Marion (46 years old)
$110
per month
Cecilia (29 years old)
2019 Buick Encore Preferred
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Edmond, OK (Zip Code: 73013)
$81
per month
Brett (28 years old)
2016 Honda Accord EXL
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Edmond, OK (Zip Code: 73013)
$157
per month
Lettie (38 years old)
$136
per month
Marian (43 years old)
$94
per month
Howard (28 years old)
2019 Cadillac Escalade Premium Luxury
Coverage50,000 per person
100,000 per accident bodily injury
Edmond, OK (Zip Code: 73034)
$93
per month
How to lower car insurance costs in Edmond
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. Keeping a clean driving record and/or going a certain number of years without an at-fault accident could help you qualify for a discount from your provider.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
How much is car insurance in Edmond?
People living in Edmond pay on average $92 per month – or $1,104 per year – on state-minimum liability coverage. Full coverage in Edmond costs on average $152 per month of $1,822 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the best car insurance in Edmond?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Nationwide
, Progressive
, and Kemper
receive good ratings from Edmond drivers, based on the largest car insurance survey in the nation conducted by Jerry.Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
What is the cheapest car insurance in Edmond?
Based on thousands of Edmond drivers Jerry has worked with, car insurance in Edmond costs an average of $92 per month for state-minimum coverage and $152 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the minimum car insurance in Edmond, Oklahoma?
The state-minimum car insurance in Edmond, Oklahoma is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 25/50/25 coverage.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.