Car Insurance Cost in Lawton, OK – Cheapest Vehicles Ranked (2024)

• Lawton car insurance rates cost an average of $1,960 per year, or approximately $163 per month.
• Lawton car insurance costs $130 per year less than the Oklahoma state average rate and $77 per year more than the average rate for all 50 states.
• Auto insurance rates for a few popular vehicles in Lawton include the Tesla Model 3 at $2,302 per year, Honda Civic at $1,736, and Nissan Altima at $2,124.
• Small crossovers like the Chevrolet Trailblazer, Kia Soul, Honda CR-V, and Volkswagen Tiguan are the best options for cheap car insurance in Lawton.
• A few models with segment-leading auto insurance rates include the Jaguar E-Pace, Hyundai Ioniq 6, Subaru Crosstrek, and Nissan Titan.
• Car insurance quotes in Lawton can vary from as low as $36 per month for the minimum required liability coverage to over $685 per month for high-risk drivers.

How much does car insurance cost in Lawton?

Average car insurance rates in Lawton cost $1,960 per year, or approximately $163 per month. That’s 4% more expensive than the overall overall national average rate of $1,883 per year.

Average auto insurance cost in Oklahoma is $2,090 per year, so Lawton, Oklahoma, drivers pay an average of $130 less per year than the overall Oklahoma state-wide average rate. When prices are compared to other larger cities in Oklahoma, the cost to insure a vehicle in Lawton is approximately $188 per year cheaper than in Broken Arrow, $154 per year less than in Norman, and $294 per year less than in Oklahoma City.

The age of the driver is probably the number one factor that determines the price of car insurance, so the list below illustrates this point by showing average car insurance rates for young, middle-age, and senior drivers.

Average cost of car insurance in Lawton, OK, for drivers age 16 to 60

• 16-year-old driver – $6,986 per year or $582 per month
• 17-year-old driver – $6,766 per year or $564 per month
• 18-year-old driver – $6,063 per year or $505 per month
• 19-year-old driver – $5,521 per year or $460 per month
• 20-year-old driver – $3,946 per year or $329 per month
• 30-year-old driver – $2,094 per year or $175 per month
• 40-year-old driver – $1,960 per year or $163 per month
• 50-year-old driver – $1,738 per year or $145 per month
• 60-year-old driver – $1,626 per year or $136 per month

The next chart summarizes auto insurance cost in Lawton, Oklahoma, for different common policy situations. Rates are averaged for all Lawton Zip Codes and shown for a range of driver ages, policy physical damage deductibles, and risk scenarios.

The average cost of auto insurance per month in Lawton is $163, and ranges from $136 to $376 for drivers age 20 to 60 and the risk profiles included in the previous chart.

Lawton auto insurance rates are different for every driver and slight changes in a driver’s risk profile can have measureable effects on car insurance cost. This large rate variability increases the need to get multiple car insurance quotes when searching online for the cheapest auto insurance policy.

Insurance cost for Lawton’s favorite vehicles

The previous auto insurance rates in this article are averaged for all 2024 vehicle models, which is helpful when making generalized comparisons like the average cost difference between multiple locations. For more in-depth cost comparisons, however, it makes better sense to look at the specific model of vehicle being insured.

In the next few sections, we explore both segment rates and rates for specific vehicles, but for now, a handful of the most popular vehicles will be shown to see how auto insurance rates stack up in Lawton.

The chart below shows average insurance rates for popular cars, trucks, and SUVs that you will find in Lawton.

Vehicles that are popular in Lawton tend to be small or midsize sedans like the Nissan Sentra and Kia K5 and compact or midsize SUVs like the Nissan Rogue and Toyota Highlander.

Additional popular vehicles from different automotive segments include luxury models like the BMW 530i, Cadillac XT5, and BMW X5 and sports cars like the Ford Mustang, Chevy Corvette, and Nissan GT-R.

We will explore rates for lots more vehicles later in this article, but before that, let’s go over some of the key concepts covered so far in the data above.

• Auto insurance gets cheaper as you get older – Rates for a 60-year-old driver in Lawton are $2,320 per year cheaper than for a 20-year-old driver.
• Monthly car insurance cost ranges from $136 to $582 – That is the average auto insurance cost range for drivers age 16 to 60 in Lawton.
• Insurance rates fall significantly between ages 20 and 30 – The average 30-year-old Lawton driver will pay $1,852 less each year than a 20-year-old driver, $2,094 versus $3,946.
• Lawton auto insurance prices are cheaper than the Oklahoma state average – $1,960 (Lawton average) compared to $2,090 (Oklahoma average)
• Auto insurance for teens is not cheap – Average rates range from $4,672 to $6,986 per year to insure a teen driver in Lawton.

In Lawton, which vehicles are cheapest to insure?

The models with the lowest cost average insurance rates in Lawton tend to be small SUVs and crossovers like the Chevrolet Trailblazer, Subaru Crosstrek, and Buick Envision.

Average auto insurance quotes for those vehicles cost $1,594 or less per year ($133 per month) to get full coverage.

Some additional vehicles that are ranked high in the cost comparison table are the Acura RDX, Nissan Murano, Chevrolet Colorado, and Volkswagen Tiguan. Rates are a little bit more for those models than the crossovers and compact SUVs at the top of the rankings, but they still have an average insurance cost of $1,680 or less per year, or about $140 per month in Lawton.

The next table details the vehicles with the cheapest overall insurance rates in Lawton, ordered by annual cost.

The above table containing 40 vehicles with the cheapest insurance in Lawton is fine if you just want the absolute lowest rates. A more useful way to rank rates in a manner that is not overwhelming is by breaking them out by vehicle segment.

The section below illustrates the average price of auto insurance in Lawton for each vehicle segment. The rates shown in the chart should give a decent idea of the general vehicle types that have the best car insurance rates in Lawton. After the chart, the next six sections display the most affordable rates for individual models in each unique segment.

Car insurance rates by automotive segment

If a different vehicle is in your future, it’s very useful to know which categories of vehicles are cheaper to insure. For example, you may be curious if minivans are more affordable to insure than SUVs or if full-size pickups have more expensive insurance than midsize pickups.

The next chart shows average auto insurance rates by segment in Lawton. From a segment comparison perspective, compact SUVs and midsize pickup trucks have the most affordable average car insurance rates, with luxury cars and sports cars having the highest average insurance cost.

Auto insurance rates by segment are practical for making a general comparison, but insurance rates for specific models range significantly within each of the segments displayed above.

For example, in the small luxury car segment, average Lawton car insurance rates range from the Acura Integra costing $1,742 per year for a full coverage policy up to the BMW M340i costing $2,396 per year, a difference of $654 within that segment. For another example, in the large SUV segment, average rates range from the Chevrolet Tahoe costing $1,838 per year to the Toyota Sequoia at $2,456 per year, a difference of $618 within that segment.

In the next sections, we eliminate a lot of this variability by looking at auto insurance cost in Lawton from a model perspective rather than by segment.

Cheapest car insurance rates in Lawton, OK

The four cheapest non-luxury sedans to insure in Lawton are the Toyota GR Corolla at $1,704 per year, Nissan Leaf at $1,716 per year, Honda Civic at $1,736 per year, and Nissan Sentra at $1,794 per year.

Rounding out the top 10 are models like the Hyundai Ioniq 6, Toyota Prius, Honda Accord, and Chevrolet Malibu, with average insurance cost of $1,900 per year or less.

Ranking between positions 10 and 20, cars like the Subaru Legacy, Volkswagen Arteon, Mazda 3, Toyota Crown, and Hyundai Sonata cost between $1,900 and $2,026 per year for insurance.

Car insurance rates in Lawton for this segment for the average driver can cost as low as $142 per month, depending on your location and insurance company. The table below ranks the cars with the lowest-cost insurance in Lawton.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Don’t see rates for your vehicle? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Lawton car insurance quotes from the best car insurance companies in Oklahoma.

SUVs with affordable auto insurance

The #1 ranking in Lawton for cheapest auto insurance in the SUV segment is the Subaru Crosstrek, costing $1,448 per year. Second place is the Chevrolet Trailblazer costing $1,472 per year, and ranking third is the Kia Soul, at an average of $1,528 per year.

Not the cheapest, but still in the top 10, are SUVs like the Toyota Corolla Cross, Buick Envision, Ford Bronco Sport, and Hyundai Venue, with average annual insurance rates of $1,604 per year or less.

On a monthly basis, auto insurance in Lawton on this segment for a middle-age safe driver can cost as low as $121 per month, depending on the company and your location. The table below ranks the twenty SUVs with the cheapest insurance rates in Lawton, starting with the Subaru Crosstrek at $121 per month and ending with the Honda HR-V at $142 per month.

For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Looking for rates for a different SUV? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Oklahoma.

Pickups with cheap auto insurance

Sitting at number one in Lawton for cheapest auto insurance in the pickup segment is the Chevrolet Colorado, at an average of $1,676 per year. Second place is the Nissan Titan costing $1,834 per year, and the third most affordable is the Nissan Frontier, at an average of $1,856 per year.

Rounding out the top 10 are models like the GMC Canyon, Honda Ridgeline, Hyundai Santa Cruz, and GMC Sierra 2500 HD, with an average car insurance cost of $2,018 per year or less.

Full-coverage car insurance in this segment for a middle-age safe driver will start around $140 per month, depending on the company and your location.

The table below ranks the pickups with the lowest-cost average insurance rates in Lawton.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Don’t see insurance cost for your pickup? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in Oklahoma.

Luxury cars with cheap insurance rates

The four highest ranking luxury car models with the cheapest insurance in Lawton are the Acura Integra at $1,742 per year, BMW 330i at $1,996 per year, Mercedes-Benz CLA250 at $2,016 per year, and Lexus IS 300 at $2,020 per year.

Also ranking in the top 10 are luxury cars like the Lexus ES 350, Genesis G70, Lexus RC 300, and Cadillac CT4, with an average cost of $2,058 per year or less.

As a cost per month, auto insurance rates in Lawton on this segment for a good driver starts at around $145 per month, depending on the company and where you live.

The table below ranks the twenty luxury cars with the cheapest car insurance in Lawton.

See our guide for luxury car insurance to view any vehicles not shown in the table.

Is your vehicle not in the list? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in Oklahoma.

Luxury SUVs with the best auto insurance rates

Taking the top spot in Lawton for cheapest auto insurance rates in the luxury SUV segment is the Acura RDX, at an average of $1,640 per year. Second place is the Lexus NX 250 costing $1,736 per year, and in third place is the Cadillac XT4, costing an average of $1,770 per year.

Also ranking well are luxury SUVs like the Mercedes-Benz GLB 250, Lexus NX 450h, Lexus NX 350h, and Lexus UX 250h, with an average cost of $1,890 per year or less.

Ranking between positions 10 and 20, SUVs like the Mercedes-Benz AMG GLB35, Mercedes-Benz GLA250, Infiniti QX50, Lexus RX 350, Acura MDX, and Lexus NX 350 cost between $1,890 and $1,964 per year for insurance.

Full-coverage insurance for this segment in Lawton will start around $137 per month, depending on the company and where you live.

The rate comparison table below ranks the SUVs with the lowest-cost insurance in Lawton, starting with the Acura RDX at $1,640 per year ($137 per month) and ending with the Lexus NX 350 at $1,964 per year ($164 per month).

For more car insurance comparisons, see our guide for luxury SUV insurance.

Need rates for a different luxury SUV? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Lawton car insurance quotes from the best car insurance companies in Oklahoma.

Sports cars with affordable auto insurance rates

The top four sports cars with the cheapest auto insurance rates in Lawton are the Mazda MX-5 Miata at $1,812 per year, Toyota GR86 at $2,064 per year, Ford Mustang at $2,156 per year, and BMW Z4 at $2,166 per year.

Some other sports cars that rank well include the Toyota GR Supra, Subaru BRZ, Lexus RC F, and Nissan Z, with an average cost to insure of $2,344 per year or less.

Some additional cars that made the list include the Chevrolet Camaro, Porsche 718, Porsche 911, Mercedes-Benz AMG GT53, and Chevrolet Corvette, which cost between $2,344 and $3,320 per year to insure in Lawton.

On a monthly basis, auto insurance in Lawton on this segment starts at an average of $151 per month, depending on where you live and the company you use.

The rate comparison table below ranks the sports cars with the most affordable insurance rates in Lawton, starting with the Mazda MX-5 Miata at $151 per month and ending with the Porsche Taycan at $277 per month.

Don’t see insurance cost for your sports car? Not a problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Lawton.

What to expect when shopping for auto insurance

To supplement the earlier data and reinforce the amount auto insurance cost can range from one person to the next, the sections below visualize comprehensive car insurance rates for three popular vehicles in Lawton: the Ford F150, Nissan Sentra, and Nissan Rogue.

Each example uses different driver and policy risk profiles to demonstrate the potential rate difference based on driver risk and policy deductibles.

Ford F150 insurance rates

Ford F150 insurance in Lawton averages $2,194 per year (about $183 per month) and has a range of $1,818 to $5,068 annually.

The Ford F150 is classified as a full-size truck, and other top-selling models from the same segment include the Toyota Tundra, Chevrolet Silverado, GMC Sierra, and Nissan Titan.

Nissan Sentra insurance rates

Insurance for a Nissan Sentra in Lawton costs an average of $1,794 per year ($150 per month) and has a range of $1,492 to $4,084.

The Nissan Sentra is classified as a compact car, and other similar models from the same segment include the Honda Civic, Volkswagen Jetta, Chevrolet Cruze, and Hyundai Elantra.

Nissan Rogue insurance rates

Auto insurance for a Nissan Rogue in Lawton costs an average of $1,762 per year, or around $147 per month, and has a range of $1,462 to $4,026.

The Nissan Rogue is classified as a compact SUV, and additional similar models from the same segment include the Mazda CX-5, Toyota RAV4, and Ford Escape.

How to save on auto insurance in Lawton

Resourceful drivers should always be searching for ways to cut the monthly cost of insurance So glance at the tips and ideas below and maybe you can save a few bucks on your next policy purchase.

• Compare insurance costs before buying a car. Different models, and even different trim levels of the same model, can have significantly different car insurance rates, and companies can price policies with very different rates. Get multiple insurance quotes before you buy a different car to prevent insurance sticker shock when insuring your new car.
• Increasing deductibles lowers insurance cost. Raising your policy deductibles from $500 to $1,000 could save around $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.
• Stay claim free and save. Auto insurance companies give a discount if you do not file any claims. Insurance is intended to be used for larger claims, not for small claims.
• Improve your credit for cheaper auto insurance rates. Having a high credit rating of over 800 may save up to $308 per year compared to a credit rating of 670-739. Conversely, a poor credit score could cost around $357 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Your choice of occupation could earn you discounts. Some auto insurance companies offer discounts for having a job in professions like nurses, members of the military, scientists, lawyers, doctors, dentists, and others. By working in a job that qualifies, you could potentially save between $59 and $191 on your yearly car insurance cost, subject to policy limits.
• If your vehicle is older, remove optional coverages. Dropping full coverage from older vehicles whose value has decreased will cut the cost of insurance significantly.
• Policy discounts equal cheaper car insurance rates. Discounted rates may be available if the insured drivers are good students, sign their policy early, take a defensive driving course, drive a vehicle with safety or anti-theft features, or many other discounts which could save the average Lawton driver as much as $332 per year on the cost of car insurance