To determine the cost of one ticket to the concert, we first need to find out how much of the total amount paid was actually for the tickets alone, excluding the insurance.
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Oksana and her three friends mean there are 4 people in total.
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The insurance cost is $15 per person, so for 4 people, the total insurance cost is: \[ 4 \times 15 = 60 \text{ dollars} \]
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The total amount paid for the tickets and insurance was $540. Therefore, the amount spent on the tickets alone is: \[ 540 - 60 = 480 \text{ dollars} \]
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Since there are 4 tickets (one for each person), the cost of one ticket is: \[ \frac{480}{4} = 120 \text{ dollars} \]
Thus, the cost of one ticket to the concert was $120.