Insurance Costs in Moore, OK
Auto insurance in Moore averages $1,738 per year for full coverage, which is higher than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Moore, OK: What You Need to Know
Moore residents pay an average of $1,738 per year for full coverage auto insurance, which is 5.0% below the Oklahoma state average and 3.8% above the national average.
With a population of 62,793, Moore is a growing city in Oklahoma. Moderate traffic and relatively lower accident rates help keep insurance costs manageable.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,738 | $145 |
| Standard Coverage (50/100/50) | $1,425 | $119 |
| State Minimum (25/50/25) | $730 | $61 |
Homeowners Insurance in Moore, OK
The average cost of homeowners insurance in Moore is $3,643 per year ($304/month), which is 100.2% above the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Moore, OK
Renters insurance in Moore averages $252 per year ($21/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Oklahoma Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Oklahoma City | $2,012/yr | $3,421/yr |
| Tulsa | $2,048/yr | $3,548/yr |
| Norman | $1,719/yr | $3,326/yr |
| Broken Arrow | $1,646/yr | $3,231/yr |
| Edmond | $1,610/yr | $3,326/yr |
| Lawton | $1,920/yr | $2,915/yr |
| Midwest City | $1,866/yr | $3,010/yr |
| Enid | $1,683/yr | $2,788/yr |
How to Save on Insurance in Moore
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Moore can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Moore, OK?
The average cost of car insurance in Moore, OK is $1,738 per year for full coverage, or about $145 per month. Minimum coverage costs around $730 per year.
Is car insurance expensive in Moore?
Car insurance in Moore is about average for the U.S.
How much is home insurance in Moore?
Homeowners insurance in Moore costs an average of $3,643 per year. Your actual cost depends on your home's value, age, construction type, and specific location.