Lawton Insurance Rates:

Lawton, OK home insurance is about $1,231 to $1,671, about $102-$139/month. Our complete guide indicates shoppers can save as much as $580 by getting many quotes

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Lawton Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $2220/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $235,000

5 Beds, 5 Baths 2940 sqft Seasonal Residence Constructed In 1976 with Wood Flooring, Membrane Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Fire Extinguisher, Copper Water Pipes, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

52 Years old Single Male who has a Full Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $210/1 month for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

2 Beds, 2 Bath 1290 sqft Primary Residence Constructed In 2012 with Wood Flooring, Wood Shake Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Deadbolt Locks, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Single Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1940/5 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

5 Beds, 5 Bath 2010 sqft Vacation Property Constructed In 1979 with Wood Flooring, Tile Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Fireplace, Deadbolt Locks, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Married Female who is Retired and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $3250/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $155,000

4 Beds, 4 Baths 2030 sqft Rental Property Constructed In 1984 with Carpet Flooring, Membrane Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Central Air Conditioning, Fire Extinguisher, Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Married Female who is a Freelancer with household income of more than $150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2220/10 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $110,000

2 Beds, 2 Bath 1490 sqft Vacation Property Constructed In 2014 with Carpet over wood flooring, Asphalt Shingles Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Divorced Female who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $970/4 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Baths 2030 sqft Seasonal Residence Constructed In 1997 with Carpet Flooring, Wood Shake Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Divorced Male who has a Full Time Job with household income of $75-$100,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $1670/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Bath 1360 sqft Primary Residence Constructed In 1963 with Wood Flooring, Tile Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fireplace, Swimming Pool, Smoke Alarm, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Divorced Male who has a Full Time Job with household income of $100-$150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $3960/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $175,000

3 Beds, 3 Baths 2170 sqft Vacation Property Constructed In 1997 with Linoleum, Composition Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Indoor Sprinklers, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Married Female who is a Freelancer with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1250/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $225,000

4 Beds, 4 Baths 3230 sqft Vacation Property Constructed In 2012 with Linoleum, Metal Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Divorced Female who is a Freelancer with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $2770/7 months for $100,000-$125,000 Coverage
Policy Holder Home Details :

Home Value : $140,000

4 Beds, 4 Baths 2576 sqft Rental Property Constructed In 1955 with Stone Flooring, Slate Shingles Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

62 Years old Divorced Female who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Lawton, OK Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
73501 $87,800 $1,430
73505 $118,000 $1,490
73507 $114,700 $1,480

Lawton Rates & Quotes Analysis:

Lawton Area Estimated House Insurance
SW Ashbrook Ave, SW 47th St, NW Cherry Ave, SW 15th St, SW Summit Ave, NE Turtle Creek Dr, SW Co Hwy 115, SE 75th St, Chocktaw, Rumple Rd$1,492
NW Wolf Creek Blvd, NW Crestwood Dr, NW Stonegate Pl, SW 29th St, NE Garden Ln, SW 43th St, SW Texas Ave, NE 29th St, NW Grensted Ln, SW 8th St$1,501
NW Ozmun Ave, NW Robinhood Dr, SE 7th St, New Hope Rd, NW 3rd St, Havenshire Cir, Hethering Loop, NW Lake Ave, SW K St, NW Echo Rd$1,489
SW 12th St, SW Georgia Ave, Lester Rd, Kaiser Rd, Terry Bell Farms Rd, SE 40th St, NE Bell Dr, SW Logue Chapel Rd, NW 72nd St, SE Sullivans Dr$1,509
SW Red Elk Rd, SE Logue Chapel Rd, NW Hoover Ave, NW Maple Ave, McGlachlin Ave, SW Pecan Meadow Dr, SE A Ave, SW 177th St, Cheynne, NW 52nd St$1,497
SW 1st St, NE Heritage Creek Dr, Lawson Rd, SW Texas Ave, NW 55th St, NW Dogwood Ln, I- 44, Zelpha St, NW Cherry Ave, Randolph Rd$1,491
SW Beta Ave, Rothwell St, SW Dove Creek Blvd, NW Black Mesa Dr, NE 31st St, SW Boatsman Dr, NW Tonbridge Pl, NW Laird Ave, SE Washington Ave, NW Victory Blvd$1,441
NW Hoover Ave, NW 79th St, SW Abilene Dr, SW Pamela Ln, SW 62nd St, I- 44, SE Larrance St, SW Westchester Cir, NW 22nd St, NE Arlington Ave$1,473
NE 25th St, SW 37th St, James Rd, NE Wisteria, 112th St, NW Santa Fe Ave, NE Rogers Ln, Fowler Rd, SW 5th St, NW Andrews Ave$1,491
5th St, SW 4th St, SE Indiana Ave, SW Delta Ave, SW 82nd Rd, NW Baldwin Ave, NW Eisenhower Dr, NW 21st St, NW 44th St, E1770 Rd$1,509

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,862 Homes (22% of total homes ) built between 1970 to 1979 in Lawton are paying home insurance between $2,353-$2,375. Places close to Lawton, OK such as Comanche County, Fort Sill, Southeast Comanche are more expensive by $10, $256, $37 respectively while Medicine Park and Geronimo are cheaper by $26 and $30 respectively for similar homes.
  • Bedrooms: 4,927 1 bedroom homes (12% of total homes ) in Lawton are paying about $1,118. Areas near to Lawton such as Comanche County, Fort Sill, Southeast Comanche are costlier by $19, $121, $17 respectively whereas Medicine Park and Cache are more economical by $13, $17 respectively for similar homes.
  • Auto Insurance Bundling: 8,034 Households (45% of all households) in Lawton have 2 vehicles available and when it is bundled with home insurance you can save $290 and varies from Comanche County ($291), Fort Sill ($321), Medicine Park ($287).
  • Senior Discounts: 8,440 seniors (more than 55 years) occupied housing units (47% of total) in Lawton get discounts between $217 to $220. The comparative concessions in proximate regions such as Comanche County, Fort Sill and Medicine Park are $218, $241 and $215 respectively.
  • New Homes discounts: New homes such as the 13,786 homes built between 2000 to 2009 in Lawton can save $290 and similar new home insurance discounts in nearby towns and cities like Comanche County, Fort Sill and Medicine Park are $291, $321 and $287 respectively.

Lawton Homeowners insurance Facts

  • Lawton, OK has 17,664 owner occupied houses which is 50.8% of all units whereas Comanche County, Fort Sill and Medicine Park have 57.74%, 1.36% and 73.15% respectively.
  • Lawton, OK homeowners yearly insurance price at $1,451 is 1.38% of the typical house value of $105,300 which is in contrast with 1.31% in Comanche County, 0.63% at Fort Sill & 1.58% in Medicine Park.
  • Homeowners in Lawton, OK pay 5.28% of their income ($25,000 to $29,999) in insurance whereas homeowners in Comanche County, Fort Sill and Medicine Park pay 5.3%, 5.85% and 5.22% respectively.
  • Lawton, OK’s insurance is 11.4% of monthly housing costs of $1,058/month, for owners with a mortgage compared to 10.96% in Comanche County, 14.39% at Medicine Park & 11.59% in Geronimo. But, for households without a mortgage, insurance is 32.8% of costs ($369 in Lawton, OK) in contrast with 33.26% in Comanche County, 35.17% at Medicine Park & 32.87% in Geronimo.

Lawton, OK Home Values & Insurance rates

For example, insurance for 958 Homes (5.0% of total homes ) valued between $175,000 to $199,999 in Lawton, OK is about $2,582. Rates in nearby areas in such as Comanche County, Southeast Comanche, Southwest Comanche are cheaper by $120, $416, $391 respectively while Medicine Park and Geronimo are costlier by $374 and $511 respectively for similar homes.

Lawton, OK Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,177 12.0% $333
$50,000 to $59,999 759 4.0% $710
$60,000 to $69,999 932 5.0% $885
$70,000 to $79,999 1,224 7.0% $1030
$80,000 to $89,999 1,735 9.0% $1160
$90,000 to $99,999 1,408 8.0% $1305
$100,000 to $124,999 2,801 16.0% $1509
$125,000 to $149,999 2,277 13.0% $1886
$150,000 to $174,999 1,306 7.0% $2234
$175,000 to $199,999 958 5.0% $2582
$200,000 to $249,999 1,043 6.0% $3105
$250,000 to $299,999 382 2.0% $3787
$300,000 to $399,999 370 2.0% $4817

Renters Insurance in Lawton

  • Average Renters Insurance in Lawton :  $316($26/month)

  • Median Gross Rent in Lawton :  $735

  • Lawton Renters Insurance to Median Rent Ratio:  3.54%

  • Renter occupied housing units in Lawton :  17,116

Lawton Renters Insurance as a Percentage of Rent

Lawton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 512 3.0% $829
$300 to $499 2,012 12.0% $1279
$500 to $749 5,651 35.0% $1954
$750 to $999 4,615 28.0% $2704
$1,000 to $1,499 2,724 17.0% $3829
$1,500 or more 310 1.0% $5479

Rent Affordability in Lawton:

Approximately 41.0% (7,094) of households are spending more than 35% of their income on gross rent in Lawton

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,539 14.0%
15.0 to 19.9 percent 2,289 13.0%
20.0 to 24.9 percent 2,114 12.0%
25.0 to 29.9 percent 1,867 10.0%
30.0 to 34.9 percent 1,213 7.0%
35.0 percent or more 7,094 41.0%

Lawton Renters Insurance Discounts:

Lawton Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Lawton, OK Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 8,508 49.0% $31.6
2 vehicles available 5,220 30.0% $47.4
3 or more vehicles available 1,340 7.0% $63.2

Protective device discount in Lawton Up to :  $47

Claims-free discount in Lawton Up to :  $63