Car Insurance in Edmond, OK – Cheapest Quotes + Averages (2025)

How much does car insurance cost in Edmond, Oklahoma? We analyzed all automotive segments to find the cars, trucks, and SUVs with cheap car insurance in Edmond.

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Average car insurance cost in Edmond

The average car insurance expense in Edmond is $2,694 per year, or approximately $225 per month for a policy with full coverage. It costs 19.2% more to insure the average vehicle in Edmond, OK, than the U.S. average rate of $2,221.

In Oklahoma, the average price for car insurance is $2,658 per year, so the average cost of car insurance in Edmond is $36 more per year.

When compared to other cities in Oklahoma, the average cost to insure a vehicle in Edmond is approximately $14 per year more expensive than in Norman, $128 per year less than in Oklahoma City, and $166 per year more expensive than in Lawton.

The chart below goes into more detail for drivers age 20 to 60 by showing a range of rates based on a variety of driver ages, risk profiles, and policy deductibles.

Average car insurance rates in Edmond for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Edmond for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Edmond includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Edmond, OK
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,194$516
Safe Driver Age 20$5,418$452
At-fault Accidents Age 40$3,816$318
Low Deductibles Age 40$3,526$294
Safe Driver Age 30$2,872$239
Safe Driver Age 40$2,694$225
Safe Driver Age 50$2,386$199
High Deductibles Age 40$2,266$189
Discount Rate Age 40$2,240$187
Safe Driver Age 60$2,238$187

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 26, 2025

Average car insurance rates in the previous chart range from $2,240 per year for a 40-year-old driver who meets the requirements for many policy discounts to $6,194 per year for a 30-year-old driver with a history of violations and/or at-fault accidents.

When the rates shown in the chart are converted to monthly figures, the average cost of car insurance per month in Edmond ranges from $187 to $516.

Auto insurance rates are not static and seemingly inconsequential changes in a driver’s risk profile can have meaningful effects on car insurance cost. This large rate variability emphasizes the need to get multiple car insurance quotes when searching online for more affordable car insurance.

The age of the driver is one of the largest factors in the price of car insurance, so the list below illustrates this by breaking down average car insurance rates in Edmond for drivers from age 16 to 60.

Average car insurance rates in Edmond, Oklahoma, for drivers age 16 to 60

  • 16-year-old driver – $9,595 per year or $800 per month
  • 17-year-old driver – $9,297 per year or $775 per month
  • 18-year-old driver – $8,330 per year or $694 per month
  • 19-year-old driver – $7,588 per year or $632 per month
  • 20-year-old driver – $5,418 per year or $452 per month
  • 30-year-old driver – $2,872 per year or $239 per month
  • 40-year-old driver – $2,694 per year or $225 per month
  • 50-year-old driver – $2,386 per year or $199 per month
  • 60-year-old driver – $2,238 per year or $187 per month

The rates shown above for insuring teen drivers age 16 to 19 were based on the driver being male. The next chart separates the average cost for car insurance for teen drivers in Edmond by gender. Female drivers tend to have slightly cheaper car insurance rates, especially at younger ages.

Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage.
Figure 2: Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Teenage driver rates are for the 2024 model year with $500 comprehensive and collision deductibles. Average car insurance cost in Edmond includes all Zip Codes and vehicle trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Average Car Insurance Cost in Edmond, OK for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$9,595$8,962
17-Year-Old$9,297$8,907
18-Year-Old$8,330$7,687
19-Year-Old$7,588$6,412

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Average Car. Updated June 27, 2025

Auto insurance for a 16-year-old female in Edmond costs an average of $633 less than a male driver per year, while at age 19, the cost difference is much less but is still $1,176 per year.

The auto insurance rates discussed up to this point take all 2024 vehicle models and average them, which is helpful when making generalized comparisons such as the average cost difference by driver age or location.

Average car insurance rates are fantastic when trying to find the answer to questions like “is Edmond auto insurance cheaper than Broken Arrow?” or “is auto insurance in Oklahoma cheaper than Arizona?”.

For more in-depth rate comparisons, however, the data will be more accurate if we look at the exact vehicle being insured. Each individual vehicle model has a unique profile for physical damage and liability claims, and this data allows us to make insurance cost comparisons.

The list below details both annual and monthly average auto insurance rates for the more popular models that you will find in Edmond. Later, there is a section that explores car insurance rates for a few of these models even more in-depth.

Average car insurance rates for popular Edmond vehicles

Which vehicles have cheap insurance in Edmond?

The vehicles with the best insurance prices in Edmond, OK, tend to be compact SUVs like the Kia Soul, Chevrolet Trailblazer, and Hyundai Venue.

Average auto insurance rates for models ranked in the top 10 cost $197 or less per month to get full coverage.

Additional models that have very good car insurance prices in our cost comparison are the Ford Bronco Sport, Volkswagen Taos, Nissan Murano, and Honda HR-V.

The average insurance cost is a little higher for those models than the crossovers and small SUVs at the top of the list, but they still have an average insurance cost of $209 or less per month.

The table below breaks down the vehicles with the cheapest overall insurance rates in Edmond, ordered by annual cost.

Top 30 Cheapest Car Insurance Rates in Edmond
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,932$161
2Chevrolet Trailblazer$1,972$164
3Kia Soul$2,046$171
4Nissan Kicks$2,062$172
5Honda Passport$2,082$174
6Buick Envision$2,094$175
7Toyota Corolla Cross$2,110$176
8Hyundai Venue$2,134$178
9Mazda CX-5$2,134$178
10Ford Bronco Sport$2,146$179
11Volkswagen Tiguan$2,162$180
12Acura RDX$2,186$182
13Nissan Murano$2,200$183
14Buick Encore$2,224$185
15Subaru Outback$2,228$186
16Honda CR-V$2,234$186
17Buick Envista$2,244$187
18Volkswagen Taos$2,246$187
19Kia Niro$2,256$188
20Toyota GR Corolla$2,270$189
21Subaru Ascent$2,274$190
22Honda HR-V$2,284$190
23Nissan Leaf$2,296$191
24Chevrolet Colorado$2,306$192
25Honda Civic$2,314$193
26Lexus NX 250$2,314$193
27Volkswagen Atlas$2,318$193
28Acura Integra$2,328$194
29Subaru Forester$2,328$194
30Volkswagen Atlas Cross Sport$2,328$194

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Edmond, OK Zip Codes. Updated June 26, 2025

Top 30 cheapest vehicles to insure in Edmond, OK with the Subaru Crosstrek ranking first at $1,932 per year
Top 30 cheapest vehicles to insure in Edmond, OK with the Subaru Crosstrek ranking first at $1,932 per year

A few additional vehicles worth noting that rank in the top 30 above include the Subaru Forester, the Subaru Ascent, the Chevrolet Colorado, and the Toyota GR Corolla. Rates for those models cost between $2,344 and $2,400 per year.

In contrast to the vehicles with cheap rates, a few models that cost much more to insure include the Hyundai Nexo which averages $248 per month, the Audi A4 at $258, and the BMW X3 at an average of $265.

For really high-priced auto insurance in Edmond, performance and luxury models like the Mercedes-Benz Maybach GLS 600, BMW M760i, Aston Martin DBX, and BMW M8 have rates that can easily exceed three times the cost of the cheapest models.

The highs and lows of Edmond car insurance

To help illustrate the amount the cost of auto insurance can deviate from one driver to the next (and also underscore the importance of getting multiple quotes), the sections below show comprehensive rates for four popular models in Edmond: the Chevrolet Silverado, Toyota Corolla, Toyota RAV4, and Toyota Highlander.

Each example shows rates for a variety of different driver profiles to show the possible variation with only small changes to the policy rating factors.

Chevrolet Silverado insurance rates

Average Chevrolet Silverado insurance cost in Edmond ranges from $2,524 to $3,534 per year. The least-expensive model to insure is the $39,900 Chevrolet Silverado EV WT model, while the model with the most expensive insurance rates is the $105,000 Chevrolet Silverado EV RST First Edition.

When Edmond car insurance rates on the Chevrolet Silverado are compared to the cost averaged for the entire U.S. on the same vehicle, the cost is anywhere from $328 to $464 more expensive per year in Edmond, depending on which trim level is insured.

The chart displayed below shows how the cost to insure a Chevrolet Silverado can change for different driver ages, physical damage deductibles, and driver risk profiles.

Average 2024 Chevrolet Silverado insurance premiums in Edmond for different driver ages and risk scenarios.
Figure 3: Average 2024 Chevrolet Silverado insurance premiums in Edmond for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Chevrolet Silverado with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Silverado car insurance cost in Edmond includes all Zip Codes and vehicle trim levels.

2024 Chevrolet Silverado Insurance Cost in Edmond, OK
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,740$562
Safe Driver Age 20$5,898$492
At-fault Accidents Age 40$4,148$346
Low Deductibles Age 40$3,734$311
Safe Driver Age 30$3,084$257
Safe Driver Age 40$2,900$242
Safe Driver Age 50$2,580$215
High Deductibles Age 40$2,474$206
Safe Driver Age 60$2,414$201
Discount Rate Age 40$2,402$200

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Silverado trim levels. Updated June 26, 2025

The Chevrolet Silverado belongs to the full-size truck segment, and other models in the same segment include the GMC Sierra, Toyota Tundra, Ford F150, and Nissan Titan.

Toyota Corolla insurance rates

Average Toyota Corolla insurance cost in Edmond ranges from $2,390 to $2,966 per year. The cheapest car insurance quotes are on the $21,900 Toyota Corolla LE model, while the most expensive model to insure is the $26,655 Toyota Corolla XSE Hatchback.

As a cost per month, full-coverage car insurance on a 2024 Toyota Corolla for an average middle-age driver can cost from $199 to $247 per month, depending on your exact location in Edmond.

The chart displayed below may help illustrate how car insurance quotes for a Toyota Corolla can change based on a variety of driver ages and possible risk profiles.

For our example, prices range from $2,178 to $6,014 per year, which is a difference of $3,836 to insure the same vehicle using different rated drivers.

Average 2024 Toyota Corolla insurance premiums in Edmond for different driver ages and risk scenarios.
Figure 4: Average 2024 Toyota Corolla insurance premiums in Edmond for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Corolla with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Corolla car insurance cost in Edmond includes all Zip Codes and vehicle trim levels.

2024 Toyota Corolla Insurance Cost in Edmond, OK
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,864$489
Safe Driver Age 20$5,118$427
At-fault Accidents Age 40$3,630$303
Low Deductibles Age 40$3,268$272
Safe Driver Age 30$2,716$226
Safe Driver Age 40$2,554$213
Safe Driver Age 50$2,274$190
High Deductibles Age 40$2,182$182
Safe Driver Age 60$2,126$177
Discount Rate Age 40$2,120$177

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Corolla trim levels. Updated June 26, 2025

The Toyota Corolla is a compact car, and other models popular in Edmond include the Nissan Sentra, Volkswagen Jetta, and Kia Forte.

Toyota RAV4 insurance rates

Toyota RAV4 insurance in Edmond averages $2,484 per year, ranging from a low of $2,194 per year for the Toyota RAV4 LE AWD trim level (MSRP of $29,875) up to $2,928 per year for the Toyota RAV4 Prime XSE AWD model (MSRP of $47,310).

When Edmond insurance rates on the Toyota RAV4 are compared to the average cost for the entire U.S. for the same model, the cost is $286 to $382 more expensive per year in Edmond, depending on the exact trim being insured.

From a monthly standpoint, full-coverage car insurance for a Toyota RAV4 for a middle-age safe driver can cost from $183 to $244 per month, depending on the company and your exact location in Edmond.

The chart below can help visualize how the cost of car insurance on a Toyota RAV4 can vary for a number of different driver ages, policy physical damage deductibles, and risk scenarios.

In this example, rates range from $2,064 to $5,714 per year, which is a cost difference of $3,650 per year to insure the same vehicle.

Average 2024 Toyota RAV4 insurance premiums in Edmond for different driver ages and risk scenarios.
Figure 5: Average 2024 Toyota RAV4 insurance premiums in Edmond for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota RAV4 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota RAV4 car insurance cost in Edmond includes all Zip Codes and vehicle trim levels.

2024 Toyota RAV4 Insurance Cost in Edmond, OK
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,568$464
Safe Driver Age 20$4,868$406
At-fault Accidents Age 40$3,436$286
Low Deductibles Age 40$3,122$260
Safe Driver Age 30$2,574$215
Safe Driver Age 40$2,416$201
Safe Driver Age 50$2,146$179
High Deductibles Age 40$2,054$171
Safe Driver Age 60$2,012$168
Discount Rate Age 40$2,008$167

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota RAV4 trim levels. Updated June 27, 2025

The Toyota RAV4 belongs to the compact SUV segment, and other popular models include the Nissan Rogue, Honda CR-V, Chevrolet Equinox, and Ford Escape.

Toyota Highlander insurance rates

Toyota Highlander insurance in Edmond averages $2,450 per year, with rates ranging from a low of $2,252 per year for the Toyota Highlander LE 2WD trim level (MSRP of $37,625) up to $2,662 per year on the Toyota Highlander Hybrid XLE AWD (MSRP of $43,825).

As a cost per month, car insurance on a 2024 Toyota Highlander for a middle-age safe driver can range from $188 to $222 per month, depending on your exact location in Edmond.

The next rate chart may help illustrate how the cost of insurance on a Toyota Highlander can range significantly based on different driver ages and possible risk profiles.

Average 2024 Toyota Highlander insurance premiums in Edmond for different driver ages and risk scenarios.
Figure 6: Average 2024 Toyota Highlander insurance premiums in Edmond for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Highlander with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Highlander car insurance cost in Edmond includes all Zip Codes and vehicle trim levels.

2024 Toyota Highlander Insurance Cost in Edmond, OK
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,446$454
Safe Driver Age 20$4,774$398
At-fault Accidents Age 40$3,342$279
Low Deductibles Age 40$3,160$263
Safe Driver Age 30$2,542$212
Safe Driver Age 40$2,378$198
Safe Driver Age 50$2,100$175
High Deductibles Age 40$1,978$165
Discount Rate Age 40$1,978$165
Safe Driver Age 60$1,968$164

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Highlander trim levels. Updated June 27, 2025

The Toyota Highlander is considered a midsize SUV, and additional similar models include the Jeep Grand Cherokee, Ford Explorer, and Ford Edge.

Tips for getting cheaper Edmond car insurance quotes

Shrewd drivers in Edmond are always looking to cut the monthly cost of insurance, so glance at the savings tips below and it’s very likely you can save a little dough on your next car insurance policy.

  • Safe drivers pay less. Having frequent accidents may increase rates, possibly as much as $3,848 per year for a 20-year-old driver and even as much as $1,122 per year for a 40-year-old driver. So drive safe and save!
  • Buy vehicles with cheaper auto insurance rates. Vehicle performance is a huge factor in the price you pay for auto insurance. As an example, a Honda CR-V costs $922 less per year to insure in Edmond than a Subaru BRZ. Buy cheaper models and save money.
  • Remove optional coverage on older vehicles. Dropping comprehensive and collision coverage from vehicles whose value does not support the cost of the coverage can cheapen the cost considerably.
  • Find cheaper rates by qualifying for discounts. Discounts may be available if the insured drivers are homeowners, drive a vehicle with safety or anti-theft features, insure their home and car with the same company, are loyal customers, or many other discounts which could save the average Edmond driver as much as $454 per year on auto insurance.
  • Your job could save you a few bucks. Some car insurance companies offer discounts for being employed in professions like firefighters, police officers and law enforcement, accountants, engineers, dentists, and others. Earning this discount could save between $81 and $262 on your annual car insurance bill, subject to policy limits.