Updated March 2026
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What Affects Rates in Moore
- Moore has experienced multiple EF4 and EF5 tornadoes since 1999, including catastrophic events in 2013. Comprehensive coverage costs 25-35% more here than in northern Oklahoma suburbs due to verified hail and wind damage frequency. Carriers price zip codes 73160 and 73170 with measurably higher weather risk premiums than surrounding communities.
- Nearly 70% of Moore workers commute outside the city, primarily north to Oklahoma City or south to Norman via I-35. Morning and evening backups near the I-240 interchange and 19th Street exit create higher rear-end collision rates. Rush hour congestion between exits 116 and 123 drives up liability claims compared to smaller Cleveland County towns.
- Older neighborhoods near 12th Street and Eastern Avenue show higher theft rates and uninsured motorist claims than post-2013 rebuild areas south of 19th Street. Newer developments near Hwy 9 and Santa Fe attract families with newer vehicles, lowering collision severity. Garage availability in newer construction reduces comprehensive claims from hail compared to older housing stock.
- The I-35/I-240 interchange handles over 150,000 vehicles daily, creating a high-frequency accident zone affecting Moore's northeast quadrant. Access to Tinker Air Force Base via 12th Street adds military commuter traffic weekday mornings. These corridors generate consistently higher claim volumes than residential streets west of Broadway.
- Cleveland County maintains an estimated 14-16% uninsured motorist rate, slightly above the state average. Moore's position on the I-35 corridor increases exposure to transient traffic and out-of-state uninsured drivers. UM/UIM coverage is particularly relevant given high-speed highway commuting patterns and frequent severe weather evacuations.
Coverage Options
Cost estimates are based on available industry data and vary by driver profile. These are not insurance quotes.
Covers injury and property damage you cause to others in an accident.
Combines liability, collision, and comprehensive in one package.
Pays for non-collision damage including weather, theft, and vandalism.
Covers damage to your vehicle from accidents regardless of fault.
Protects you when hit by a driver without adequate insurance.
Liability Insurance
I-35 commute congestion and the I-240 interchange create frequent multi-vehicle accidents where liability limits matter significantly.
$450-$750/yearEstimated range only. Not a quote.
Full Coverage
Essential for Moore drivers given tornado exposure and highway-dependent commutes requiring both weather and collision protection.
$1,400-$2,100/yearEstimated range only. Not a quote.
Comprehensive Coverage
Moore's tornado and hail history makes this the most location-sensitive coverage, with rates 25-35% above northern Oklahoma suburbs.
$400-$650/yearEstimated range only. Not a quote.
Collision Coverage
I-35 daily commutes and the high-traffic 19th Street corridor generate above-average fender-bender and rear-end collision claims.
$500-$800/yearEstimated range only. Not a quote.
Uninsured Motorist
Cleveland County's 14-16% uninsured rate and heavy I-35 transient traffic increase your exposure to uninsured drivers.
$150-$280/yearEstimated range only. Not a quote.