Cheap Auto Insurance in Edmond, OK

Ways to find the Cheapest Auto Insurance in Edmond, Oklahoma

Same-day coverage
No credit check
Local Oklahoma County agents

Oklahoma minimum: 25 / 50 / 25liability, required by law
Coverage starts: Same dayID cards in the app
Edmond agents: (405) 703-4077no fee to ask

01Overview

Affordable Auto Insurance in Edmond, Oklahoma

Auto insurance prices in Edmond are continuing to stay very affordable compared to the rest of the state of Oklahoma. Edmond is the 5th most populous city in Oklahoma. Edmond has a population of 94,054. Edmond is a part of the Oklahoma City Metroplex but auto insurance rates in Edmond are substantially cheaper than nearby OKC. Heavy Traffic, Insurance Fraud, uninsured motorist claims are three of the main reasons why auto insurance rates are so high in metro areas. But thankfully here at Cheapest Auto Insurance we have made Edmond car insurance affordable for all drivers. With Edmond being in the center of Tornado Alley, hail storms and tornados can cause auto insurance companies to pay out large amounts of money on claims due to natural disasters, especially for car insurance companies who have a large amount of customers who have purchased full coverage insurance. One way to find cheap auto insurance in Edmond is to have a safe driving record for three years and a good insurance history. These are two factors that auto insurance companies look at when setting their monthly prices. Many things are out of the customer’s control when it comes to auto insurance rates but these are two things as a customer that you can keep control of.

Click here to learn more about how to find the cheapest auto insurance

Auto Prices Improving in 2024? Check out this resource to find out!

Find out why car insurance prices have skyrocketed

02Why us

Why Edmond Drivers Choose Cheapest Auto Insurance

Every insurance company calculates risk differently, so two drivers on the same street in Edmond can be quoted very different prices. We shop the carriers for you and keep the process short.

What Separates Cheapest Auto Insurance from the rest of the auto insurance companies?

We have made auto insurance easy and hassle free. With our Anonymous Quoting System that is the fastest online auto insurance quoting process in the industry, a customer can receive a quote in 1 minute and complete the entire policy online in 5 minutes. There is truly nothing like it in the auto insurance industry. Here are few other reasons why Cheapest Auto Insurance is the place to find hassle free affordable auto insurance.

No Credit Checks

No Middleman Fees

State of the art App

Anonymous Quoting System

We don't sell your info to any vendors like many do.

Click here to learn about usage based auto insurance

Find out how to cut car insurance cost by clicking here

New to Cheapest Auto Insurance?

Here at Cheapest Auto Insurance we want to be sure that all your insurance needs are met. We make it quick and simple for you to get a quote whatever your current situation is. Whether you need basic liability auto insurance, full coverage, or maybe you don't have an active Oklahoma driver's license we have insurance professionals who are ready to help you get what you need and feel free to get a free quote online, just click here!

E-Sign Accepted Here

We are happy to offer an e-sign option for anyone that can’t make it to an office to sign paperwork. We want to make the process as easy as possible for you.

Driving in Edmond

Why Drivers in Edmond Need Good Auto Insurance

It is state law in Oklahoma to carry at least 25/50/25 limits of liability. And good auto insurance can come in very handy in case you are in an accident. You can’t fix mistakes made by other drivers, but you can look out for you and your family. It’s easy to see how much of a favor you will do for yourself by having an auto insurance policy in place that covers you the right way. If your car experiences damage, auto insurance is supposed to help you pay for the costs of your recovery. All accidents cost money, and the right policy can help you lessen the financial ramifications.

Edmond Auto Insurance

We do expect Edmond car insurance prices to continue to stay about where they are now in the near future. Here at Cheapest Auto Insurance, we provide drivers with the affordable car insurance they need. No matter where you live in Oklahoma, we can provide you with affordable coverage you deserve. Here at Cheapest Auto Insurance we specialize in providing affordable auto insurance in Edmond. We offer flexible monthly payments and a low first month payment We offer cheap insurance for the below insurance policies:

Non owner's insurance
Full coverage insurance
Liability auto insurance

Auto insurance across Oklahoma

04The law

Oklahoma's Minimum Coverage

255025

The three numbers every Oklahoma policy is quoted against — in thousands of dollars.

Bodily injury liabilityper person: $25,000
Bodily injury liabilityper accident: $50,000
Property damage liabilityper accident: $25,000

Oklahoma runs an electronic insurance verification program that confirms vehicles stay insured. If coverage lapses, the state may issue a Notice of No Insurance.

Read our liability coverage guide

05Coverage

Liability vs Full Coverage

Ways to find full coverage insurance in Edmond

Full coverage insurance rates in Edmond are quite a bit cheaper than nearby Oklahoma City. One reason why is Edmond is part of Logan County which notoriously has cheaper insurance prices. It really helps to keep full coverage insurance costs down by keeping a good driving record for 3 years and continuous insurance for at least six months straight. Full coverage can cost about twice as much as liability only auto insurance. Full coverage insurance is mandatory to carry if your car has a loan on it. Most of the car dealerships in Edmond require you to purchase full coverage insurance before you leave the car lot unless you do not finance the automobile. Many lienholders will require a minimum of a $500 deductible before you can leave with your new car. The higher the deductible the lower your monthly premiums are and vice versa with a lower deductible. Here are some car insurance companies that sell full coverage in Edmond:

It is important to know what deductible you need before starting an insurance quote for full coverage. Here are your choices of deductibles you can choose from:

$250
$500
$1000

Check out this article to learn about insurance deductibles!

Click here to learn the average cost of full coverage auto insurance

The deducible is the part of the policy that the customer is responsible for paying in case of an at fault accident for the damage done to their vehicle. The lower the deductible the higher your monthly rates are. Some auto insurance carriers in Edmond offer a “vanishing deductible” which is beneficial for the customer because the longer you are with that company, the lower the deductible becomes in case of an accident with no effect on your monthly rates, so this results in less money you are responsible for. This is a very nice feature that has become very popular over the past few years. To shop car insurance quotes for full coverage insurance in Edmond you can click here and you can be on your way to cheap insurance today!

Click here to learn more about full coverage auto insurance.

How to find cheap liability car insurance in Edmond?

To find the cheap liability insurance in Edmond you can ask for liability only insurance with 25/50/25 limits of liability which is the minimum in Oklahoma. This policy will only cover the damages done to a third party; it will not cover your vehicle. If you want your car covered you would want to purchase full coverage insurance which costs about twice as much on your monthly rate compared to liability only. Liability insurance is affordable in Edmond compared to other areas of Oklahoma. Your age and driving record are important factors in keeping your car insurance affordable. Here are a few options of liability limits that you can choose from in:

25/50/25
50/100/50
100/300/100
250/500/250

Click here to read more about how to find cheap liability insurance for your car.

Not all auto insurance companies in Edmond offer the higher limits of liability. If you need higher limits, it is best to contact a more preferred insurance company mentioned above. It is important to carry the proper amount of limits of liability in case you are involved in an accident. Nobody wants to get stuck with a large bill in a claim where you damage a vehicle that costs more than the $25,000 of property damage, which is the lowest offered under the state minimum liability coverage in Oklahoma.

Click to learn more about getting cheap liability car insurance.

What each option pays for
Coverage	Liability onlyRequired by Oklahoma	Full coveragePopular for newer cars
Injuries you cause to othersbodily injury liability	Included	Included
Damage to other people's propertyproperty damage liability	Included	Included
Your own car after a crashcollision — whoever is at fault	Not included	Included
Hail, flooding, theft, fallen limbscomprehensive — the claims Oklahoma weather generates most	Not included	Included
Roadside, rental, towing, medical paymentsoptional add-ons	Not included	Included

Everything about full coverage

How To Pay Less in Edmond

Cheapest car insurance for safe drivers in Edmond

If you are a safe driver looking for affordable auto insurance in Edmond here are a few insurance companies that can help you achieve this:

One tip to finding affordable auto insurance quotes is asking your insurance agent for all the discounts you qualify for. Not all auto insurance companies offer the discounts at the beginning of the quote so here are a few discounts you can ask for:

Safe Driver
EFT
Paperless Billing
Multi car
Prior Insurance Renewal discounts

Finding cheap car insurance in Edmond is important but just as important is finding an insurance company that has a good customer service team and a good claims department. Customers who

have no tickets or claims in the last three years are the most rewarded with discounts on their auto insurance policies. To receive cheap car insurance quotes in Edmond click this link and save money today!

How much does auto insurance cost in Edmond?

Car insurance rates in Edmond vary based on a few important factors and is contingent up on the coverages you request. The average liability auto insurance rate for an adult in Edmond with no previous insurance is about $66 monthly. Here are a few factors that auto insurance carriers look at when setting their rates:

Age
Driving record
Insurance history
Credit score

Not all auto insurance companies use credit as a major rating factor. Most nonstandard auto insurance companies do not use credit as a rating factor. A nonstandard insurance company specializes in providing auto insurance for drivers with a bad driving record and no previous insurance history. Here are a few nonstandard auto insurance companies in Edmond:

Most of these nonstandard auto insurance companies offer the basic state minimum limits of liability which is 30/60/25. If you are needing higher limits of liability for instance 100/300/100 than it may be in your interest to request a quote from a Preferred Insurance broker. Here are examples of a few Preferred Insurance companies in Edmond:

Click here to learn more about the average cost of auto insurance in Oklahoma

How to lower your auto insurance rates in Edmond

Taking advantage of all discounts that you qualify for is one of the best ways to lower your automobile insurance premiums. It helps to set up the billing on EFT and on Paperless billing, this can lower your monthly rate up to 10% in most cases. Some auto insurance carriers offer a 7-10% discount for taking a defensive driving course. Try to take advantage of every chance you can to save money on your monthly premiums. Also, be sure to shop around at renewal time to make sure your current insurance policy is still the best fit. Try to keep an even number of cars and drivers on your policy. Car insurance companies like this because it appears as that you have disclosed everyone who has access to your vehicles. Undisclosed drivers cost auto insurance companies a large amount of money each year by having accidents. Insurance companies want to be able to underwrite all drivers that are driving your vehicle to provide you with the appropriate monthly prices.

Compare more than one company
Rates for the same driver can differ by more than you expect — a quote costs nothing and takes a minute.
Match the coverage to the car
Liability-only often makes sense for an older vehicle; full coverage protects a newer one.
Pick a deductible you could actually pay
A higher deductible lowers the premium — but only choose one that fits your budget on a bad day.
Keep coverage continuous
A lapse is one of the most expensive things on a driving record. Even a cheap policy beats a gap.
Ask about every discount
Safe-driver, multi-car, paid-in-full and app-based discounts add up — agents apply them for you.

More ways to lower your premium

07Quotes

Quotes and Local Agents

Cheap auto insurance quotes in Edmond

There are a few ways to find auto insurance quotes in Edmond. When searching for auto insurance you will see a bunch of insurance advertisements. So here are a few ways you can help find affordable automobile insurance in an efficient way.

1. Find an auto insurance broker that shops different insurance companies for you.

2. Find an online quote comparison site that can shop online for you searching through a large amount of insurance companies.

3. Find an insurance company that fits your coverage needs and current situation.

Here are a few auto insurance brokers in Edmond that we found for you:

As far as online auto insurance quote comparison websites there are several options to choose from. One thing to be aware of is some of these sites can sell information to car insurance brokers which can result in receiving a large number of calls that want to give you an insurance quote. So, if you are using one of these sites to search for insurance rates be sure you are serious about buying insurance because nobody wants a lot of phone calls. Here are a few examples of online quote comparison sites:

The Zebra
Everquote
Smartfinancial

Find Local Edmond Agents

Statewide Insurance Agency

VIP Insurance Agency

10 E Ayers St, Edmond, OK 73034

LeBlanc Associates LLC

748 N Santa Fe Ave, Edmond, OK 73034

Find an office near you

08Companies

Companies Serving Edmond

Auto insurance Companies in Edmond

There are several car insurance companies in Edmond to select from. When searching for the insurance company that fits your coverage needs, it helps to read reviews from customers to see how their experience was. Firsthand knowledge is a good way to see how the insurance company is really taking care of customers. Most insurance companies in Edmond are keeping rates steady. Hopefully CAT losses like tornados and hail storms don’t hit any time soon which can help lower car insurance prices. Weather is important for prices but just as important is heavy traffic and Uninsured motorists like we mentioned above. There are so many factors to consider that can cause auto insurance prices to go up or down, at the end of the day if the insurance company is profitable, it more than likely won't raise rates but if it is losing money than odds are rates are going up.

Insurance companies commonly serving drivers in and around Edmond include:

State FarmNational carrier
Farmers InsuranceNational carrier
AllstateNational carrier
ProgressiveNational carrier
GEICONational carrier
Cheapest Auto InsuranceLocal agency — that’s us

The companies we work with

09More

Other Coverage Situations

Non owner's insurance in Edmond

Non owner's insurance is a type of insurance policy for someone who needs auto insurance but does not own a vehicle yet. Non owner's insurance is cheaper than a normal liability only insurance by about 30%. Not all insurance companies in Edmond offer non owners insurance. But here at Cheapest Auto Insurance we can help you find inexpensive non owners' insurance despite how bad of a driving record you may have, here are a few auto insurance brokers we found that offer this coverage:

Cheapest Auto Insurance can help you get insurance whether you own a vehicle or not. Even if you don’t have a driver’s license, we can still help you get affordable insurance. For the cheapest auto insurance quote in click here and start saving today!

Click to learn more about finding cheap non owner car insurance.

Click here for additional information on non-owners car insurance

How to find affordable auto insurance in Edmond with a bad driving record?

Finding affordable car insurance with a bad driving record can be difficult. We have a few tips to help you though. Try to find an insurance company that is best for your situation and phase of life you are in. For example, if you do have tickets and accidents you may want to contact a nonstandard auto insurance company. This is an auto insurance broker that works with several different insurance companies to find the best price for you. They have access to insurance companies that are more forgiving of tickets and accidents. Here are a few auto insurance carriers that provide cheap insurance for Edmond's drivers:

Learn more about high risk auto insurance

Check out this additional resource for auto insurance for bad drivers

While receiving auto insurance quotes be sure to disclose all tickets and accidents you have in the past 5 years. Many insurance companies do not run your driving record on the initial quote itself, but instead wait till you buy the policy then run your driving record after point of sale. This is why it is important to disclose your entire driving record upfront so the insurance quote will be accurate and this way you won’t receive unexpected higher bills in the future.

One month auto insurance can be a great policy for someone with a bad driving record because it offers a flexible pay plan and not a long-term commitment, this also can be called a “month to month insurance” policy.

Learn how to find cheap auto insurance rates if you have a bad driving record.

The Future of Automobile Insurance in Edmond

With Edmond becoming a more metropolitan area, many people prefer purchasing insurance

online or thru telephone instead of driving to a local retail office and doing business face to face. Starting an insurance policy online is a very different way of doing business than most people are accustomed to. For many years, working directly with an agent was the only way to purchase insurance in their physical offices. But we see this changing very soon. Homeowners and commercial insurance are some of the few sectors in insurance that is more difficult to purchase online due to the complexities of the policy. There can be exclusions and endorsements in these policies that for the consumer may be hard to understand. We feel the future of insurance is a direct-to-consumer model, especially for the younger generations. Doing business face to face may not go away at once but with the large number of new tech companies entering the market we can all expect insurance to continue to head in that direction at a fast pace, especially in the auto insurance industry. Vehicle insurance is easier to purchase online compared to other types of insurance. Many of these tech companies have affordable auto insurance rates but it is still to be seen how claims are handled and if they be profitable on the underwriting side of the business, which can take years to truly know. Thankfully at Cheapest Auto Insurance we have some of the best auto insurance carriers that allow drivers to start their policy online or over the phone.

DUI and suspended license coverage

10Guides

More Car Insurance Guides

More about car insurance in Oklahoma

Short guides on the situations Oklahoma drivers ask us about most:

11Nearby

Auto Insurance Near Edmond

We write policies across the state. A few of the cities Edmond drivers commute to:

Not sure about Edmond

Check out these other Oklahoma cities:

Bixby Oklahoma City Sapulpa Tulsa Ardmore Broken Arrow Owasso Catoosa Del City Edmond Enid Jenks Lawton Midwest City Moore Muskogee Mustang Norman Ponca City Sand Springs Shawnee Stillwater Yukon

Ready to save on your auto insurance?

Cheapest Auto Insurance wants to be your neighborhood insurance partner in Edmond. Reach one of our agents at (405) 703-4077 or get an instant online quote with your ZIP code.

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E-Sign accepted here — buy your policy without visiting an office.