To find the cost of one concert ticket, we first need to determine the total amount spent on insurance and then subtract that from the total amount paid.
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Calculate the total cost for insurance: Since there are 4 people (Oksana and her three friends) and the insurance cost is $15 per person:
\[ \text{Total insurance cost} = 4 \text{ people} \times 15 \text{ dollars/person} = 60 \text{ dollars} \]
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Subtract the insurance cost from the total amount paid:
\[ \text{Total ticket cost} = 540 \text{ dollars} - 60 \text{ dollars} = 480 \text{ dollars} \]
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Divide the total ticket cost by the number of people to find the cost of one ticket:
\[ \text{Cost of one ticket} = \frac{480 \text{ dollars}}{4 \text{ people}} = 120 \text{ dollars} \]
Thus, the cost of one ticket to the concert was $120.