Car Insurance — Moore, OK

Compare rates from licensed agents serving the Moore area

Rates From Carriers Serving Moore, Oklahoma

Updated July 2026

What Affects Rates in Moore

Moore's position along Interstate 35 creates daily high-volume traffic as drivers commute between Oklahoma City and Norman. This corridor sees frequent rear-end collisions during rush hours, particularly near the 19th Street and 12th Street interchanges. Liability claims from I-35 accidents influence base rates for Moore zip codes.
Cleveland County recorded 21 tornado events in the past five years, with Moore experiencing direct strikes including the February 2023 EF2 tornado that damaged numerous homes in southern and eastern portions of Norman before tracking toward Moore. Comprehensive coverage in Moore costs more than in northern Oklahoma metro areas due to this documented storm frequency.
Moore's suburban character with 60,000 residents creates moderate vehicle density without urban congestion pricing. Single-family neighborhoods east of Santa Fe Avenue see lower theft rates than Oklahoma City proper, while areas near Warren Theatre and the 19th Street commercial corridor experience higher parking lot claim frequency.
Cleveland County's 142 hail events over five years make comprehensive glass and body damage claims routine in Moore. Carriers price comprehensive coverage based on zip-code-level hail frequency, with Moore's 73160 and 73170 zip codes reflecting Cleveland County's storm profile in premium calculations.

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Cost estimates are based on available industry data and vary by driver profile. These are not insurance quotes.

Required for registration in Moore and essential for I-35 corridor driving where rear-end collisions are common during commuter hours.

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