Ardmore drivers pay an average of $2,142/year — $371 more than the national average. With 294 crashes per year and a 2.2 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $414/year.
(888) 217-6781Estimated full coverage auto insurance rates for Ardmore, OK from top carriers. Rates are adjusted for Ardmore's 294 annual crashes, 2.2 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $812 | $135/mo |
| Oklahoma Farm Bureau | $868 | $145/mo |
| Progressive | $913 | $152/mo |
| State Farm | $1,003 | $167/mo |
| Allstate | $1,218 | $203/mo |
Estimates based on 2026 rate filings for ZIP 73401. GEICO is cheapest at ~$135/mo. Actual rates vary by driver profile and exact Ardmore location.
These Ardmore-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Ardmore, OK. Takes under 2 minutes.
(888) 217-6781Ardmore is a smaller city in Oklahoma with a population of 24,725. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as tornadoes, severe thunderstorms, hail, ice storms, flooding, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Ardmore.
For official Oklahoma insurance regulations, visit the Oklahoma Insurance Department. For driver licensing, see the Oklahoma Motor Vehicle Division.
Your specific ZIP code within Ardmore can swing your premium by hundreds of dollars. Here's how rates compare across Ardmore neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 73413 | Ardmore South Side | $2,019/yr | $168/mo |
| 73403 | Ardmore North Side | $2,116/yr | $176/mo |
| 73421 | Ardmore West Side | $2,148/yr | $179/mo |
| 73407 | Ardmore East Side | $2,198/yr | $183/mo |
| 73401 | Ardmore Downtown/Central | $2,291/yr | $191/mo |
The cheapest ZIP is 73413 (Ardmore South Side) at $2,019/yr. The most expensive is 73401 (Ardmore Downtown/Central) at $2,291/yr — a $272/year difference for the same driver.
Your Ardmore ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Ardmore. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,498/yr | $375/mo | +110% vs avg |
| Young Adult (20-25) | $2,999/yr | $250/mo | +40% vs avg |
| Adult (26-35) | $2,142/yr | $179/mo | 0% vs avg |
| Mid-Career (36-50) | $1,885/yr | $157/mo | -12% vs avg |
| Senior (51-65) | $1,778/yr | $148/mo | -17% vs avg |
| 65+ | $1,906/yr | $159/mo | -11% vs avg |
Teens in Ardmore pay an average of $4,498/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,778/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Oklahoma cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Ardmore drivers can save up to $414/year. ZIP 73413 (Ardmore South Side) has the lowest rates starting at $2,019/yr.
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