Updated April 2026
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What Affects Rates in Moore
- Moore experienced devastating EF5 tornadoes in 1999 and 2013, making comprehensive coverage (which covers storm damage to your car) more expensive here than in nearby communities. Insurers factor this history into every quote, even if you've never filed a claim. If you're financing a vehicle, your lender will require comprehensive coverage regardless of cost.
- Most Moore residents commute north on I-35 toward Oklahoma City or south toward Norman, with heavy congestion during morning and evening peaks. Higher collision frequency on this corridor affects liability insurance rates (the coverage that pays for damage you cause to others). First-time drivers face steeper rates because insurers view inexperienced drivers in heavy traffic as higher collision risk.
- Newer neighborhoods east of Santa Fe Avenue see lower theft rates than older areas near 4th Street, creating rate variations across ZIP codes. Where you live in Moore affects your comprehensive premium—the coverage that pays for theft, vandalism, and non-collision damage. Young drivers often don't realize their home address is factored into every quote.
- Oklahoma's uninsured motorist rate sits around 14%, meaning roughly one in seven drivers you encounter on 19th Street or South Telephone Road carries no insurance. Uninsured motorist coverage (which protects you when hit by someone with no insurance) costs $15–$30/month extra but covers medical bills and car damage the at-fault driver can't pay for.
Coverage Recommendations
Cost estimates are based on available industry data and vary by driver profile. These are not insurance quotes.
Liability Insurance
I-35 commute congestion increases rear-end collision risk, making higher liability limits ($50,000+ per person) worth considering despite the extra $20–$40/month cost.
$85–$160/moEstimated range only. Not a quote.
Full Coverage
Moore's tornado history makes this expensive but essential if you're financing a vehicle, as lenders mandate coverage against total loss from severe weather.
$180–$280/moEstimated range only. Not a quote.
Comprehensive Coverage
With Moore's EF5 tornado history, comprehensive claims are frequent enough that insurers price this 25–35% higher than in non-Tornado Alley suburbs.
$45–$85/moEstimated range only. Not a quote.
Collision Coverage
I-35 fender-benders during rush hour make collision coverage worthwhile if your car is worth more than $5,000, even with a $500–$1,000 deductible.
$50–$95/moEstimated range only. Not a quote.
Uninsured Motorist Coverage
With Oklahoma's 14% uninsured rate, this coverage fills the gap when the at-fault driver on 19th Street has no policy to file a claim against.
$15–$30/moEstimated range only. Not a quote.