Rate Comparison Chart – Auto Insurance – Lawton

Companies were asked to provide rates for standard personal auto program for each of five scenarios shown using assumptions listed below.

Scenario A Scenario B Scenario C Scenario D Scenario E
  • Age: 16
  • Single male/female
  • Principal operator
  • Drives to school
  • No accidents or moving violations in 3 years
  • Drives less than 7,500 miles annually
  • Age: 21
  • Single male/female
  • Principal operator
  • Drives 18 miles roundtrip to work
  • No accidents or moving violations in 3 years
  • Drives 12,000 miles annually
  • Age: 36
  • Married male/female
  • Principal operator
  • Drives 18 miles roundtrip to work
  • No accidents or moving violations in 3 years
  • Drives 12,000 miles annually
  • Age: 55
  • Married male/female
  • Principal operator
  • Drives 18 miles roundtrip to work
  • No accidents or moving violations in 3 years
  • Drives 12,000 miles annually
  • Age: 70
  • Married male/female
  • Principal operator
  • Pleasure use only
  • No accidents or moving violations in 3 years
  • Drives 7,500 miles annually

*Click on a column heading to sort the chart based on that column

LAWTON A-Male A-Female B-Male B-Female C-Male C-Female D-Male D-Female E-Male E-Female
ALLSTATE FIRE & CASUALTY INSURANCE CO. $2,047.00 $1,807.00 $924.00 $755.00 $491.00 $491.00 $468.00 $468.00 $487.00 $487.00
AMERICAN MERCURY INSURANCE CO. $3,064.00 $2,181.00 $1,223.00 $917.00 $608.00 $608.00 $473.00 $473.00 $724.00 $724.00
AMERCIAN NATIONAL PROPERTY & CASUALTY CO. $2,570.00 $2,239.00 $1,608.00 $1,423.00 $834.00 $805.00 $829.00 $778.00 $600.00 $600.00
CSAA GENERAL INSURANCE COMPANY $1,807.00 $1,564.00 $1,108.00 $953.00 $601.00 $498.00 $540.00 $419.00 $618.00 $452.00
EQUITY INSURANCE COMPANY $3,023.00 $2,233.00 $1,604.00 $1,402.00 $900.00 $873.00 $850.00 $910.00 $1,141.00 $1,073.00
FARMERS INSURANCE COMPANY $2,715.00 $2,603.00 $1,167.00 $1,038.00 $725.00 $728.00 $524.00 $503.00 $518.00 $456.00
GEICO CASUALTY COMPANY $1,348.00 $1,346.00 $358.00 $349.00 $229.00 $229.00 $219.00 $219.00 $276.00 $276.00
HARBOR INSURANCE COMPANY $2,766.00 $2,766.00 $1,698.00 $1,368.00 $996.00 $996.00 $996.00 $996.00 $1,092.00 $1,092.00
LM GENERAL INSURANCE COMPANY* $5,262.00 $4,730.00 $2,815.00 $2,520.00 $1,684.00 $1,673.00 $1,664.00 $1,587.00 $1,602.00 $1,623.00
OKLAHOMA FARM BUREAU MUTUAL INS. CO. $1,611.00 $1,058.00 $1,246.00 $873.00 $520.00 $520.00 $465.00 $465.00 $406.00 $406.00
PROGRESSIVE DIRECT INSURANCE COMPANY $3,129.00 $2,793.00 $1,171.00 $1,000.00 $688.00 $708.00 $583.00 $595.00 $651.00 $651.00
PROGRESSIVE NORTHERN INSURANCE COMPANY $2,987.00 $2,640.00 $1,145.00 $921.00 $590.00 $611.00 $468.00 $477.00 $547.00 $539.00
SAFECO INSURANCE COMPANY OF AMERICA $2,437.00 $2,179.00 $721.00 $653.00 $468.00 $435.00 $445.00 $384.00 $498.00 $384.00
SHELTER MUTUAL INSURANCE COMPANY $1,966.00 $1,256.00 $1,176.00 $903.00 $568.00 $568.00 $477.00 $477.00 $420.00 $420.00
STATE FARM FIRE & CASUALTY COMPANY $2,600.00 $1,975.00 $1,283.00 $1,018.00 $644.00 $644.00 $590.00 $590.00 $507.00 $507.00
STATE FARM MUTUAL AUTOMOBILE INS. CO. $2,127.00 $1,609.00 $1,038.00 $825.00 $514.00 $514.00 $472.00 $472.00 $408.00 $408.00
TRADERS INSURANCE COMPANY $3,636.00 $2,822.00 $2,724.00 $1,981.00 $864.00 $849.00 $837.00 $781.00 $927.00 $909.00
UNITED SERVICES AUTOMOBILE ASSOCIATION(USAA) $1,266.00 $1,070.00 $543.00 $462.00 $299.00 $301.00 $281.00 $279.00 $301.00 $291.00
USAA CASUALTY INSURANCE COMPANY $1,581.00 $1,337.00 $620.00 $527.00 $337.00 $339.00 $317.00 $315.00 $342.00 $331.00
USAA GENERAL INDEMNITY COMPANY $1,643.00 $1,404.00 $827.00 $720.00 $455.00 $455.00 $366.00 $364.00 $390.00 $387.00

Comparison of 6 month premiums for a 2010 Chevrolet Malibu LS 4-door sedan reflects the following insurance coverage: A $25,000 max. bodily injury limit for anyone person in any one accident subject to a max. for all bodily injury damages of $50,000 in any one accident; a $25,000 max. limit for property damage liability for any one accident; a $500 comprehensive deductible; a $500 collision deductible.

PLEASE NOTE:

  1. The following rate comparisons do not include available discounts for the actual operator (i.e. accident-free, good student, etc.) but do include discounts available for the vehicle (i.e. passive restraint or anti-lock braking systems, etc.)
  2. Each scenario provided has a quote for both a male and a female operator.
  3. Each insurer has its own underwriting guidelines. These scenarios are assuming the insured meets all criteria as set forth by the company in determining eligibility.

Source: Oklahoma Departement Insurance – Auto