Cheap Auto Insurance in Moore, OK

Moore drivers pay an average of $2,274/year — $503 more than the national average. With 851 crashes per year and a 2.3 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $546/year.

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Moore, OK Auto Insurance Rates by Carrier (2026)

Estimated full coverage auto insurance rates for Moore, OK from top carriers. Rates are adjusted for Moore's 851 annual crashes, 2.3 per 1,000 theft rate, and local risk factors:

Insurance Company	6-Month Premium	Monthly Cost
GEICO ⭐	$862	$144/mo
Oklahoma Farm Bureau	$922	$154/mo
Progressive	$969	$162/mo
State Farm	$1,065	$178/mo
Allstate	$1,293	$215/mo

Estimates based on 2026 rate filings for ZIP 73160. GEICO is cheapest at ~$144/mo. Actual rates vary by driver profile and exact Moore location.

Auto Insurance in Moore: What Drives Your Rate

With 62,793 residents, Moore is a growing community in Oklahoma where auto insurance rates reflect a balance between urban and suburban driving conditions. Traffic is generally lighter than in the state's largest cities, but local factors like tornadoes, severe thunderstorms, hail, ice storms, flooding and commuter corridors still influence premiums. Moore drivers often find rates slightly below the Oklahoma state average.

Key Risk Factors in Moore

Traffic & Commute: Moore drivers face an average commute of 24.6 min. Traffic ranks below average for the state. Major routes include I-35, I-40, I-44, US-69 — all high-accident corridors that inflate premiums.
Crashes & Fatalities: Moore sees 851 crashes annually — including 7 fatal crashes. That's significantly within range of what insurers expect for a city of 63K residents.
DUI & Impaired Driving: With 170 DUI arrests per year in Moore, impaired driving is a major cost factor. A single DUI can increase premiums 60-80% for 3-5 years.
Vehicle Theft: Moore's vehicle theft rate is 2.3 per 1,000, directly affecting comprehensive insurance costs. Anti-theft devices and secured parking can lower your premium.
Weather Risks: Moore drivers contend with tornadoes, severe thunderstorms, hail, ice storms, flooding. Comprehensive coverage is essential here — and these claims push rates up across the board.
Uninsured Drivers: Moore's 14% uninsured rate is near the Oklahoma state average of 14%, raising UM/UIM costs for insured drivers.

For official Oklahoma insurance regulations, visit the Oklahoma Insurance Department. For driver licensing, see the Oklahoma Motor Vehicle Division.

Auto Insurance Rates by ZIP Code in Moore, OK

Your specific ZIP code within Moore can swing your premium by hundreds of dollars. Here's how rates compare across Moore neighborhoods:

ZIP Code	Neighborhood	Avg. Annual	Monthly
73175	Moore South Side	$2,111/yr	$176/mo
73163	Moore North Side	$2,214/yr	$185/mo
73164	Moore West Side	$2,249/yr	$187/mo
73168	Moore East Side	$2,365/yr	$197/mo
73160	Moore Downtown/Central	$2,415/yr	$201/mo

The cheapest ZIP is 73175 (Moore South Side) at $2,111/yr. The most expensive is 73160 (Moore Downtown/Central) at $2,415/yr — a $304/year difference for the same driver.

Auto Insurance Rates by Age in Moore, OK

Age is one of the biggest rating factors in Moore. Here's how rates differ by age group:

Age Group	Avg. Annual	Monthly	vs. City Avg
Teen (16-19)	$4,775/yr	$398/mo	+110% vs avg
Young Adult (20-25)	$3,184/yr	$265/mo	+40% vs avg
Adult (26-35)	$2,274/yr	$190/mo	0% vs avg
Mid-Career (36-50)	$2,001/yr	$167/mo	-12% vs avg
Senior (51-65)	$1,887/yr	$157/mo	-17% vs avg
65+	$2,024/yr	$169/mo	-11% vs avg

Teens in Moore pay an average of $4,775/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,887/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.

How to Get the Cheapest Auto Insurance in Moore

Compare at least 3+ carriers — call (888) 217-6781 and we'll compare 5+ carriers for free. GEICO is often cheapest in Moore at ~$144/mo, but your profile may get a better deal elsewhere.
Check your ZIP carefully — moving from Moore Downtown/Central (73160) to Moore South Side (73175) could save $304/year. If you've recently moved within Moore, update your address immediately.
Combat Moore's theft rate — with a 2.3 per 1,000 vehicle theft rate, installing anti-theft devices (GPS trackers, steering locks, VIN etching) can earn 5-15% discounts on comprehensive.
Bundle policies — combining auto + home/renters in Moore can save 10-25%. Ask about multi-car discounts if your household has 2+ vehicles.
Defensive driving in Moore — with 851 crashes/year, completing a state-approved defensive driving course can lower premiums 5-10% and improve your safety on I-35, I-40, I-44, US-69.
Raise your deductible strategically — going from $500 to $1,000 saves 15-25% on collision/comprehensive. With Moore's average commute of 24.6 min, weigh the trade-off carefully.
Review every 6 months — Moore's insurance market shifts regularly. What was cheapest last renewal may not be cheapest now, especially after Oklahoma's latest rate filings.

Oklahoma Auto Insurance Guides

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Moore, OK Auto Insurance FAQ

How much is car insurance in Moore, OK?

The average annual auto insurance premium in Moore is $2,274, which is $503 above the national average. Rates range from $2,111/yr in Moore South Side (ZIP 73175) to $2,415/yr in Moore Downtown/Central (ZIP 73160). Your driving record, age, vehicle, and exact ZIP code all affect your rate.

Who has the cheapest auto insurance in Moore?

GEICO typically offers the cheapest full coverage in Moore at around $144/month. However, with 851 annual crashes and a 14% uninsured driver rate in Moore, rates vary widely — comparing quotes from multiple companies is essential. Call (888) 217-6781 for a free comparison.

What auto insurance is required in Moore, OK?

Moore follows Oklahoma state law requiring minimum liability of 25/50/25. However, with 851 crashes per year and 7 fatal crashes annually in Moore, experts recommend at least 50/100/50 coverage plus comprehensive and collision to protect against Moore's risks including tornadoes, severe thunderstorms, hail, ice storms, flooding.

Can I get a free auto insurance quote for Moore?

Yes! Call Rate Reduction Insurance at (888) 217-6781 for a free, no-obligation quote. Our licensed agents compare 5+ carriers to find the cheapest rate for your specific Moore ZIP code — whether you're in Moore South Side or Moore Downtown/Central. Most quotes take under 2 minutes.

Why is car insurance so expensive in Moore?

Moore has 851 crashes per year, 170 DUI arrests annually, and a vehicle theft rate of 2.3 per 1,000. Combined with Moore's 24.6 min average commute on highways like I-35, I-40, I-44, US-69, these factors push premiums well above average. Comparing quotes regularly is the best way to save.

What ZIP code has the cheapest car insurance in Moore?

ZIP code 73175 (Moore South Side) tends to have the lowest rates in Moore at around $2,111/year. The most expensive area is Moore Downtown/Central (ZIP 73160) at $2,415/year — a difference of $304/year for the same driver profile.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
Oklahoma Insurance Department — official state insurance regulator for Oklahoma.
National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
Oklahoma Motor Vehicle Division — Oklahoma vehicle registration and licensing requirements.
Insurance Information Institute (III) — independent insurance education and research.
National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.

Cheap Auto Insurance in Moore, OK

Moore, OK Auto Insurance Rates by Carrier (2026)

Moore Driving Safety & Insurance Stats

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