To find the cost of one ticket to the concert, we first need to determine how much of the total cost was attributed to the tickets themselves.
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There are 4 people (Oksana and her 3 friends).
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The cost for insurance for each person is $15, so for 4 people, the total insurance cost is:
\[ 4 \times 15 = 60 \]
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The total amount paid for tickets and insurance together is $540. To find the total cost of just the tickets, we subtract the total insurance cost from the total amount:
\[ 540 - 60 = 480 \]
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This means the total cost of the tickets for the 4 people is $480. To find the cost of one ticket, we divide the total ticket cost by the number of people:
\[ \frac{480}{4} = 120 \]
Thus, the cost of one ticket to the concert was $120.