Insurance Costs in Edmond, OK
Auto insurance in Edmond averages $1,610 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Edmond, OK: What You Need to Know
Edmond residents pay an average of $1,610 per year for full coverage auto insurance, which is 12.0% below the Oklahoma state average and 3.8% below the national average.
With a population of 94,054, Edmond 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) | $1,610 | $134 |
| Standard Coverage (50/100/50) | $1,320 | $110 |
| State Minimum (25/50/25) | $676 | $56 |
Homeowners Insurance in Edmond, OK
The average cost of homeowners insurance in Edmond is $3,326 per year ($277/month), which is 82.7% 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 Edmond, OK
Renters insurance in Edmond 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 |
| Lawton | $1,920/yr | $2,915/yr |
| Moore | $1,738/yr | $3,643/yr |
| Midwest City | $1,866/yr | $3,010/yr |
| Enid | $1,683/yr | $2,788/yr |
How to Save on Insurance in Edmond
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Edmond 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 Edmond, OK?
The average cost of car insurance in Edmond, OK is $1,610 per year for full coverage, or about $134 per month. Minimum coverage costs around $676 per year.
Is car insurance expensive in Edmond?
Car insurance in Edmond is about average for the U.S.
How much is home insurance in Edmond?
Homeowners insurance in Edmond costs an average of $3,326 per year. Your actual cost depends on your home's value, age, construction type, and specific location.