Compare average insurance rates in Norman for 2026
🏠
Home
$2992
/year
🚗
Auto
$1716
/year
🏥
Health
$570
/month
💰
Life
$24
/month
🏢
Renters
$19
/month
Home Insurance in Norman, OK
The average cost of homeowners insurance in Norman, Oklahoma is $2,992 per year in 2026. This compares to the state average of $3,400 per year.
$2,992per year (avg in Norman)
$1848OK avg: $3,400$4224
Factors Affecting Home Insurance in Norman
🏠
Home Value Average: $185,000
🌪
Weather Risk high
🌊
Flood Zone 5% of properties
📈
Cost Index 0.88 (100 = national avg)
🌪️
Tornado Alley: Norman is located in tornado-prone territory. Make sure your policy covers windstorm and tornado damage adequately.
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$148,000
$74,000
$100,000
$2,244
Standard (HO-3)
$185,000
$92,500
$300,000
$2,992
Premium (HO-5)
$231,250
$138,750
$500,000
$4,039
Auto Insurance in Norman, OK
The average annual cost of auto insurance in Norman is $1,716, compared to the Oklahoma state average of $1,950.
$1,716per year (avg in Norman)
$1056OK avg: $1,950$2464
📋
Minimum Coverage in Oklahoma: 25/50/25
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$943
Full Coverage
100/300/100
$500 deductible
$500 deductible
$1,716
Premium
250/500/250
$250 deductible
$250 deductible
$2,230
Health Insurance in Norman, OK
The average monthly health insurance premium in Norman is $570 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$570per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$410
$7,000
$9,100
Healthy, low usage
Silver
$570
$4,500
$9,100
Moderate usage
Gold
$712
$1,650
$8,700
Regular medical needs
Platinum
$855
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Norman
💰 Life Insurance
$24
per month (20-year term, $500K)
Life insurance rates in Oklahoma are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $24/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$19
per month (avg in Norman)
Renters insurance in Norman covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Norman
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Norman, OK is $2,992 per year for a standard HO-3 policy. Rates range from $1,848 to $4,224 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Norman is $1,716 per year for full coverage. Liability-only coverage averages around $772 per year. Oklahoma requires minimum coverage of 25/50/25.
Insurance costs in Norman are below the national average (cost index: 0.88). Home insurance averages $2,992/yr and auto insurance $1,716/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 0.88), tornado risk, average home values ($185,000), your personal claims history, credit score, and at-fault insurance laws in Oklahoma.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Norman residents can potentially save $942+ per year.
Oklahoma requires minimum auto liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). This is the legal minimum, but most experts recommend higher limits for adequate protection.
Compare Insurance Quotes in Norman
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