Who Has Affordable Tulsa Auto Insurance Rates for Safe Drivers?

One of the many factors that are looked at to help calculate car insurance rates is your zip code in Tulsa. Areas with a lot of weather claims or more people tend to have more expensive auto insurance rates, whereas areas that tend to be more rural have the benefit of cheaper car insurance.

The next table lists the most expensive cities in Oklahoma for safe drivers in which to purchase auto insurance. Tulsa is ranked #1 with a yearly cost of $2,282 for the average policyholder, which is approximately $190 each month.

How much does auto insurance cost in Tulsa?
Rank City Annual Premium
1 Tulsa $2,282
2 Del City $2,221
3 Midwest City $2,184
4 Sand Springs $2,161
5 Bethany $2,157
6 Bixby $2,147
7 Broken Arrow $2,130
8 Owasso $2,127
9 Oklahoma City $2,113
10 Edmond $2,105
11 Sapulpa $2,102
12 Norman $2,075
13 Moore $2,069
14 Yukon $1,994
15 Claremore $1,987
16 Ponca City $1,976
17 Shawnee $1,968
18 Muskogee $1,962
19 Bartlesville $1,941
20 Lawton $1,922
21 Stillwater $1,911
22 Enid $1,904
23 Ardmore $1,898
24 Altus $1,894
25 Duncan $1,866
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Premium costs are comparative as the specific geographic location can lower or raise coverage prices considerably.

Finding out which companies quote the cheapest car insurance rates for safe drivers calls for a tad more effort than just comparing a company or two. Every car insurance company uses their own calculation for setting rates, so we will examine the car insurance companies with the overall cheapest rates in Oklahoma.

It’s important to know that Oklahoma car insurance rates are determined by lots of factors that may substantially change the policy premium. Improving your credit rating, moving across town, or getting a driving violation may cause policy rate changes resulting in some rates now being cheaper than others.

Best Auto Insurance Prices for Safe Drivers

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Oklahoma auto insurance company rankings
Rank Company Cost Per Year
1 Oklahoma Farmers Union $1,154
2 USAA $1,185
3 The Hartford $1,333
4 GEICO $1,381
5 Farmers $1,394
6 Safe Auto $1,419
7 State Farm $1,536
8 Travelers $1,849
9 Liberty Mutual $1,852
10 Mercury $1,973
11 OK Farm Bureau $2,058
12 Shelter $2,108
13 Home State $2,149
14 MetLife $2,213
15 Progressive $2,245
16 Allstate $2,376
17 Safeco $5,005
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Oklahoma Farmers Union normally has some of the most affordable car insurance rates in Tulsa at around $1,154 per year. This is $813 less than the average rate paid by Oklahoma drivers of $1,967. USAA, The Hartford, GEICO, and Farmers also qualify as some of the cheaper Tulsa, OK insurance companies.

As illustrated above, if you currently have coverage with The Hartford and switched to Oklahoma Farmers Union, you could earn an annual premium reduction of upwards of $179. Drivers with GEICO may save as much as $227 a year, and Farmers customers might see rate reductions of $240 a year.

To find cheaper insurance rates for your vehicle, click here to get quotes or quote rates from the companies below.

Be aware that those rates are averaged for all ages of drivers and types of vehicles and do not take into consideration a specific vehicle garaging location for safe drivers. So the auto insurance company that can offer you the best rate may not even be in the top 17 companies in the list above. That’s why you need to get auto insurance quotes using your own driver information and specific vehicle type.

The make and model of vehicle to be insured is probably the biggest factor that determines if you can find low-cost insurance for safe drivers. Vehicles with higher performance characteristics, a lack of modern safety features, or a track record of large liability claims will cost significantly more to insure than safer, lower-performance models.

The table below presents insurance rates for the more affordable vehicles to insure in Oklahoma.

Cheapest Vehicles to Insure in Tulsa, OK
Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 4WD $1,149
Ford Escape XLT 2WD $1,179
Jeep Wrangler Sahara 4WD 2-Dr $1,181
Chevrolet Impala LT $1,246
Toyota RAV4 Sport 2WD $1,251
Chevrolet Malibu LS $1,246
Toyota Camry LE $1,251
Toyota Tacoma Double Cab 4WD $1,246
Honda Odyssey LX $1,261
Dodge Grand Caravan SXT $1,271
Ford F-150 Lariat Crew Cab 2WD $1,277
Ford Explorer Limited 4WD $1,271
Toyota Prius $1,322
Honda Civic DX 4-Dr Sedan $1,332
GMC Sierra 2500HD SLE Extended Cab 4WD $1,337
Volkswagen Jetta SEL 4-Dr Sedan $1,346
Dodge Ram Crew Cab ST 4WD $1,359
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Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rates do not factor in specific garaging location which can alter rates greatly.

Based on these rates, you can presume that makes and models like the Honda CR-V, Ford Escape, Jeep Wrangler, and Chevrolet Impala should be the cheaper vehicles to insure for good drivers.

Rate increases following a ticket or accident

The ideal way to enjoy low car insurance prices in Oklahoma for good drivers is to drive safe and avoid at-fault accidents and violations. The information below highlights how speeding tickets and fender-benders impact premium costs for each age group. The premiums assume a married male driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

In the example above, the average cost of auto insurance in Oklahoma per year with no violations or accidents is $2,441. Add in two speeding tickets and the average cost swells to $3,386, an increase of $945 each year. Now get two accidents along with the two speeding tickets and the yearly cost of car insurance for safe drivers goes up to an average of $6,590. That’s an increase of $4,149, or $346 per month, just for not driving responsibly!

The example below demonstrates how deductible levels can affect insurance costs when getting quotes for cheap insurance for safe drivers. The prices are based on a single male driver, full coverage, and no other discounts are factored in.

The chart above illustrates that a 40-year-old driver could lower their policy premium by $370 a year by increasing from a $100 deductible to a $500 deductible, or save $558 by using a $1,000 deductible. Younger drivers, like the Age 20 chart data, can cut as much as $1,208 or more by selecting a higher deductible. If you do make the decision to raise your deductibles, it will be necessary to have plenty of money set aside to be able to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Should you buy full coverage?

Paying a lower price for car insurance is important to the majority of people, and an easy way to pay less for insurance for safe drivers is to only buy liability coverage. The example below illustrates the comparison of insurance rates with full coverage and liability only. The information is based on no violations or claims, $250 deductibles, single marital status, and no discounts are taken into consideration.

If we average the cost for ages 20 through 70, comp and collision coverage costs $2,349 per year over liability only. That is a large expense and it proposes the question if you should buy full coverage at all. There is no definitive formula to stop paying for physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

Tips to find low-cost car insurance for safe drivers

The list below shows some of the recommended thrifty suggestions that can help you quote cheap coverage.

That last idea is particularly vital, as was stressed in the article above. Car insurance rates can be changed at any time, so don’t be afraid to switch to a new company if a cheaper price is available. We understand brand loyalty, but it’s not recommended if that faithfulness ends up costing you a lot of money. In just a few minutes you could shop around to find cheaper car insurance for safe drivers in Tulsa.

The Tulsa auto insurance agencies shown below can aid you in deciding which car insurance company is the best fit, since some people have coverage questions and would like to have some advice when shopping for the best coverage for safe drivers. It’s not always easy to find the best coverage on your own, and getting professional guidance from a licensed agent can bring comfort knowing your policy gives you adequate coverage when you need it most. To locate a Tulsa car insurance agency nearest to you, click the button below the list.

View map of Tulsa, OK insurance agents