Cheap Noble, OK Auto Insurance for 2020

Noble is located in the state of Oklahoma, where the average insurance rate is $1,542/yr. Learn about the things that can affect insurance rates, including driving record, age, etc., in our Noble Auto Insurance Review

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

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Noble, OK Statistics
Noble, OK StatisticsDetailsSource
City Population6,738City-Data
City Density 538 people per square mile
Average Cost of Car Insurance$4,306.81Quadrant Data
Cheapest Car Insurance Provider State FarmQuadrant Data
Road Conditions Poor Share: 37%
Mediocre Share: 31%
Fair Share: 11%
Good Share: 20%
VOC: $897
TRIP Urban Roads
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There are many factors to consider when selecting an auto insurance policy, including pricing, types of coverage, the reputation of the insurance company, and more. Understanding auto insurance can be difficult and this can make comparing auto insurance rates a long and arduous process, but we’re here to make sure it goes smoothly.

We’ve done all the research and collected everything you need to know to make an informed decision about Noble auto insurance right here in this guide. This way, you don’t have to scroll through multiple different websites full of confusing and conflicting information.

Do you need affordable Noble, OK, car insurance? Before jumping into your Noble, Oklahoma, auto insurance review, enter your ZIP code into our free auto insurance comparison tool If you’re ready to start comparing Noble, OK, auto insurance rates in your area right now.

Noble, OK Auto Insurance Agents

Are you looking for the best auto insurance rates in Noble? If so, check out our list of auto insurance agents below. To get rates for your vehicle, contact these agents directly. If you would like to compare auto insurance rates in Noble online, please enter your Noble zip code at the top of this page to get the cheapest car insurance quotes in the area.

Tommy L Thomas
115 S Main St, Noble, OK 73068
(405) 8720238

United Insurance Agency
106 S Main St, Noble, OK 73068
(405) 8725500

Aballtime LLC
2862 Classen Blvd, Norman, OK 73071
(405) 5790453

Randy Stansel
1208 Lindsey Plaza Dr, Norman, OK 73071
(405) 3293730

Trevor Lawrence
620 Alameda St, Norman, OK 73071
(405) 3297778

Ryan Gottschalk
501 Alameda St Ste D, Norman, OK 73071
(405) 3668500

Armand Chance
1932 W Lindsey St Ste F, Norman, OK 73069
(405) 7018754

Isaac Akram
1932 W Lindsey St Ste F, Norman, OK 73069
(405) 3106444

Garner Insurance
402 W Main St, Norman, OK 73069
(405) 3668700

John Bills
430 W Main St, Norman, OK 73069
(405) 8013353

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Auto Insurance Rates in Noble, OK

Many factors come into play when determining your auto insurance rate — your gender, age, credit score, and more. Furthermore, every insurance companies will weigh these factors differently, so it can be tough to figure out how to find the right policy for your needs at the right price.

Here’s a short video for help on how much coverage you may need.


With an average auto insurance rate of $1,542, Oklahoma prices are a bit higher than the national average. So if you live in Noble, it’s even more important that you find a good deal.

And we’ve collected all the information you need to do just that.

Does gender and age affect my car insurance rates in Noble, OK

In most states, auto insurance rates vary considerably by gender and age. Younger drivers generally pay more than older drivers, and men tend to pay more than women. Knowing how age affects auto insurance rates can reduce confusion when you’re getting quotes.

Insurance companies evaluate risk when assigning rates to their policyholders, and data has shown that young, inexperienced drivers and men are more likely to be involved in an auto accident.

Noble, OK Average Annual Auto Insurance Rates by Age
Age of DriverAverage Annual Auto Insurance Rates
17 years old$9,124.54
25 years old$2,960.12
35 years old$2,678.25
60 years old$2,501.57
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As you can see, in Noble, 60-year-olds receive the cheapest auto insurance rates, while 17-year-olds pay the most by a huge margin. Next, we’ll show you how gender factors into these rates.

Noble, OK Average Annual Auto Insurance Rates by Driver Demographics
Driver DemographicsAverage Annual Auto Insurance Rates
Married 60-year-old female$2,421.70
Married 60-year-old male$2,581.43
Married 35-year-old female$2,654.21
Married 35-year-old male$2,702.28
Single 25-year-old female$2,883.49
Single 25-year-old male$3,036.76
Single 17-year-old female$8,640.06
Single 17-year-old male$9,609.01
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As you can see, males pay more in all of these age groups. However, males shouldn’t be discouraged, as there are many other factors to be considered.

What ZIP codes have the cheapest auto insurance rates in Noble, OK?

Your ZIP code also plays a big role in the cost of your auto insurance. For the most part, auto insurance costs more for those living in more densely populated areas and less in more rural places like Noble. However, even different neighborhoods in the same city can have different auto insurance rates.

There are only two ZIP codes in Noble: 73068 and 73072. Slugly, the average annual auto insurance rate for all of Noble $4,306.81.

Now that you know about the different factors that influence auto insurance rates, it’s time to compare the different insurance companies doing business in Noble.

Which companies have the best auto insurance rates in Noble?

Everyone is different, so there is no one right answer to which company has the best auto insurance in Noble, but it is important to find the auto insurance company that caters the most to your specific needs.

Some companies may offer lower auto insurance rates, but may not cover all the things you need. Many companies offer quick and easy auto insurance quotes.

Below, we’ve compiled information about the most popular auto insurance companies. That way, you can easily determine which companies have the highest and lowest rates.

Cheapest Auto Insurance Rates by Company

With Noble’s higher-than-average auto insurance rates, finding the cheapest options may be a good place to begin. While the lowest rates are offered by State Farm, we’ve provided a table with information on several companies in Noble offering the lowest auto insurance rates.

Noble, OK Average Annual Auto Insurance Rates by Company
CompaniesAverage Annual Auto Insurance Rats
State Farm$2,836.55
Liberty Mutual$7,082.18
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As you can see, the most expensive insurance rates in Noble are found with Liberty Mutual and Progressive.

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Best Auto Insurance for Commute Rates

Is your long commute increasing your auto insurance rates? It might be. Since Noble is a more rural area, commuting is a big part of many residents’ daily lives. On average, Oklahoma drivers travel a total of 19,453 miles per year, which is considerably more than the national average of about 13,500 miles per year.

This is why it’s important to know that some insurance companies will charge more if you have a longer than average commute. Below is a chart featuring auto insurance rates by commute distance.

Noble, OK Average Annual Auto Insurance Rates by Commute
CompaniesAverage Annual Rates for
10 Miles Commute
6,000 Annual Mileage
Average Annual Rates for
25 Miles Commute
12,000 Annual Mileage
USAA $2,482.69$2,591.91
Geico$3,162.64 $3,267.37
State Farm $3,175.98 $3,344.01
American Family $3,401.30 $3,484.88
Nationwide $3,437.33 $3,462.67
Progressive $4,030.02 $4,041.01
Farmers$4,179.32 $4,209.22
Travelers $4,399.85 $4,469.96
Allstate $4,841.71 $4,934.20
Liberty Mutual $5,995.27$6,151.63
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If you’re searching for an agent in the area, you can click here for a list of reputable agents in Oklahoma City.

Best Auto Insurance for Coverage Level Rates

It’s important to know exactly the type of coverage you’ll need and how much you might have to pay for that coverage, depending on which company you’re thinking about doing business with. Check out the table below for information on different coverage rates.

Noble, OK Average Annual Auto Insurance Rates by Coverage Levels
CompaniesAverage Annual Rates with High CoverageAverage Annual Rates with Low CoverageAverage Annual Rates with Medium CoverageAverage Annual Rates
State Farm$3,048.73$2,644.58$2,816.34$2,836.55
Liberty Mutual$7,485.75$6,704.37$7,056.42$7,082.18
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For every coverage level, Liberty Mutual offers the most expensive rates, while State Farm offers the cheapest.

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Best Auto Insurance for Credit History Rates

What’s the difference between a credit score and an insurance score? Your credit score can be a big factor for auto insurance companies when they’re determining your rates. Some companies will raise your rates exponentially if you have a bad credit history. Your insurance score indicates whether you are more or less likely to have insurance claims in the near future.

In the table below, you can see that some companies offer vastly different rates based on credit history, while some show little change in price.

Noble, OK Average Annual Auto Insurance Rates by Credit History
CompaniesAverage Annual Rates with Good CreditAverage Annual Rates with Fair CreditAverage Annual Rates with Poor CreditAverage Annual Rates
State Farm$2,034.72$2,527.78$3,947.14$2,836.55
Liberty Mutual$4,873.72$6,215.58$10,157.24$7,082.18
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Based on the table, Liberty Mutual has the biggest difference in prices for those with good credit and those with bad, while Farmers, Allstate, and State Farm show smaller price differences.

Best Auto Insurance for Driving Record Rates

It may go without saying, but car insurance companies will also look at your driving record when setting your rates, and you’ll be penalized for things like speeding tickets, accidents, and DUIs.

In Oklahoma, some auto insurance companies will charge you upwards of $2,000 more if you have a DUI compared to a clean driving record. Check out the table below to see how insurance companies in Noble charge based on your driving record.

Noble, OK Average Annual Auto Insurance Rates by Driving History
CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with 1 AccidentAverage Annual Rates with 1 DUIAverage Annual Rates with 1 Speeding ViolationAverage Annual Rates
State Farm$2,618.94$3,054.19$2,836.53$2,836.53$2,836.55
Liberty Mutual$4,757.15$7,986.08$9,029.71$6,555.77$7,257.65
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As you can see, drivers with clean records always pay substantially less. If you don’t have a stellar driving record, it’s worth keeping these figures in mind while you’re shopping around for car insurance.

What affects auto insurance rates in Noble, OK?

In addition to the personal factors we’ve discussed above, like age, sex, and driving record, car insurance companies will also evaluate information about where you live when setting your car insurance rate.

So what does that mean for residents of Noble? Let’s take a look at the information insurance companies will be most concerned about.

Vehicle Theft in Noble, OK

Though vehicle theft is generally more of a concern in larger cities, it can happen anywhere. According to the FBI, 10 vehicle thefts occurred in Noble in 2017. This is a relatively low number, especially considering 2,800 vehicle thefts occurred in Oklahoma City the same year.

Traffic Congestion in Oklahoma

Though there is no data on the INRIX scorecard for Noble, residents of Oklahoma City reportedly spent a total of 19 hours stuck in traffic in 2019. While this is on the lower end of the traffic spectrum, it’s still a considerable amount of time to be stuck in your car.

Oklahoma City had a congestion level of 14 percent in 2019, which was a one percent increase from the previous year’s level. According to the data on TomTom’s website, it’s best to avoid driving on Thursdays from 5 p.m. to 6 p.m., as this is when rush hour is usually the worst.

On average, seven minutes is added to your travel time when driving in Oklahoma City during morning rush hour, while 11 minutes are added during evening rush hour. Congestion levels by road are eight percent for highways and 20 percent for non-highways.

How is traffic in Noble, OK?

Many things can cause traffic problems in Noble, despite its smaller size. Read on to learn about traffic problems in Oklahoma and how you might save yourself from this particular headache.

Looking to buy Noble, OK, car insurance? Now that you’ve finished this Noble, OK, auto insurance review, enter your ZIP code into our FREE tool to get Noble, OK car insurance quotes near you.

Frequently Asked Questions: Noble, OK Auto Insurance

Interested in learning more? Check out the most frequently asked questions about Noble and auto insurance.

#1 – What is the population in Noble, OK?

The third-largest city in Oklahoma’s Cleveland County, Noble was most recently reported to have a population of 6,480 people. Noble is ranked as the 61st largest city in Oklahoma.

#2 – What is the weather like in Noble, OK?

Noble’s Cleveland County is relatively warm and experiences around 39 inches of rain per year, which is one inch more than the national average. Despite the higher level of rain, Cleveland County experiences 235 sunny day days throughout the year, compared to the U.S. average of 205 days. Summers in the area can get into the 90s, while in the winter the temperature can drop to the 20s.

#3 – How much auto insurance does Oklahoma require?

The state of Oklahoma requires a minimum insurance policy featuring $25,000 bodily injury per person per accident, $50,000 bodily injury for all persons per accident, and  $25,000 property damage liability per accident.

Like in all other states, auto insurance rates can greatly differ depending on many factors. However, the average rate for the entire state was most recently estimated at $823.51 per year.

#4 – What auto insurance discounts are available in Oklahoma?

A number of factors come into play when determining if you’re eligible for auto insurance discounts. Depending on the auto insurance company you go with, being a student, veteran, or homeowner could qualify you for a discount. Examples of other auto insurance discounts available include the defensive driving discount, accident-free discount, safe driver discount, student discount, senior discount, and more.

Take a look at this video for more on auto insurance discounts.


Be sure to talk to your insurance agent to find out what discounts you may qualify for.

#5 – Does my insurance cover a rental car?

In most cases, your general auto insurance will cover a rental car as well, though it’s important to consult your insurance company when you’re considering renting a vehicle.

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