Table of Contents
- Car Insurance: Lawton Rates vs. State + National Averages
- Lawton Auto Insurance Costs by Insurer
- Lawton Auto Insurance Premiums by Driver Age
- Lawton Car Insurance Premiums by Gender and Marital Status
- Average Lawton Insurance Rates After a Violation or Accident
- Lawton Auto Insurance Premiums by Credit Tier
- Expensive Lawton Zip Codes
- Cheaper Lawton Zip Codes
- List of Insurance Companies in Lawton
- No-Fault Insurance in Lawton Information
In the city of Lawton, you must have proof of insurance available at all times, and it is required to register your vehicle. You will be required to carry minimum bodily injury coverage to pay for injuries sustained by you, your passengers or drivers, and passengers in other vehicles if you are at fault for an accident. The minimum bodily injury coverage required in the city is:
- $25,000 bodily injury coverage per person per accident.
- $50,000 bodily injury coverage per accident.
While this is the minimum you are required to carry by law, it is recommended that you carry more to protect you financially if you are at fault in an accident.
Car Insurance: Lawton Rates vs. State + National Averages
On average, you can expect to pay annual premiums of $1688 in the city of Lawton. This average rate is less than the state average of $1787 but higher than the national average cost of $1548.
Lawton Auto Insurance Costs by Insurer
The best way to secure good car insurance rates in the city of Lawton is to shop rates at multiple companies. Five primary car insurance carriers provide coverage in the city. Below are the average annual rates for each.
- State Farm: $1170
- GEICO: $1246
- Farmers: $1517
- Progressive: $1561
- Allstate: $1747
Lawton Auto Insurance Premiums by Driver Age
The second most important factor in determining rates in the city of Lawton is the driver’s age, states Insurify. The older a driver is, the more on-the-road experience they are likely to have. Therefore older drivers are rewarded with more affordable rates.
The age group that will see the best rates are those in their 60s, who will see average annual premiums of around $1437. Teenaged drivers will pay the highest rates, which run four times more than those of middle-aged drivers. Average driver rates by age in Lawton are:
- Teens: $5428
- 20-year-olds: $2120
- 30-year-olds: $1670
- 40-year-olds: $1591
- 50-year-olds: $1459
- 60-year-olds: $1437
- 70-year-olds: $1628
Lawton Car Insurance Premiums by Gender and Marital Status
As mentioned by ValuePenguin, marital rates and gender can also affect your premium rates in Lawton, although at a much lower difference. Female drivers pay slightly more than male drivers, with an average of $1697, while males pay $1688.
Married drivers see a little better discount, which will run around $130. Single drivers pay the most, with an average of $1688, while widows will pay rates of around $1598.
Average Lawton Insurance Rates after a Violation or Accident
According to The Zebra, the factor that can cause the highest increase in your rates is a poor driving record. Traffic citations, moving violations, and accidents where you were deemed at fault can all lead to higher premiums which can last for years.
The most significant violations will cause the largest spike in your rates. A DUI can raise your rates by $739 per year, while a reckless driving conviction can result in rates $907 higher. At-fault accidents with damage less than $1000 will cause your premiums to increase about $400, while accidents with damage more than $2000 can cost $500 more in annual premiums. Lower violations such as speeding tickets can increase your rates by $200 to $300 for two to three years.
Lawton Auto Insurance Premiums by Credit Tier
Having a good or excellent credit score will help you secure the lowest rates in the city, while a score of very poor can cost you up to 49 percent more on your premiums. By simply moving from a very poor to fair score, you will see your rates go down over $400. Below are average insurance premiums based on the most common credit scores.
- Very Poor: $2950
- Fair: $2464
- Good: $2092
Expensive Lawton ZIP Codes
The location of your vehicle will also factor into the total cost of your annual premium. Larger areas with higher populations, more traffic, and higher crime rates will likely see more accidents and vehicle thefts. Because of this, the premiums in those areas tend to be higher. The most expensive ZIP codes in Lawton for car insurance are:
Cheaper Lawton ZIP Codes
Getting car insurance in ZIP code 73507 is a little cheaper than the other ZIP codes due to a population almost half the size. There are fewer main highways, lower amounts of traffic, and a very low crime rate.
List of Insurance Companies in Lawton
When choosing the best car insurance company to fit your needs, you will need to consider the cost of the premiums and how well they handle claims, what types of coverages they have, and how their customer service is rated.
One of the carriers in Lawton that boasts lower rates, even for those with at-fault accidents on their records, is State Farm. State Farm is highly rated for its customer service and availability of in-person agents.
Another popular company in the city is GEICO. They also offer reasonable rates, have an easy quoting tool, and allow you to file claims, pay your bills, and obtain proof of insurance all online.
Farmers and Progressive fall in the middle of the pack in terms of rates, but both offer unique coverages that other companies may not. They also have both received high marks for customer service.
Allstate is the most expensive insurance in the city but is well-known for the number of available discounts offered, which can drastically lower your rates. They also have a large network of agents, which appeals to those who prefer an in-person claims process.
No-Fault Insurance in Lawton Information
Lawton, Oklahoma is an at-fault state which means the driver that is found at fault for the accident will bear the costs associated with it. It also means that drivers can sue for damages if insurance does not cover them all.
Check this out if you need additional information, resources, or guidance on car insurance.
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