Who Has Affordable Auto Insurance Quotes for Teenagers in Tulsa?

Wouldn’t life be great if we knew the single company that has the cheapest rate quotes for teenagers? It’s not that easy, however, as there are a ton of unknown factors such as the number of miles you drive each year, whether you are female or male, if you are a homeowner, and how old you are, that all help calculate your car insurance rates. The information below covers the types of situations that result in high rates and should give you a good start to your coverage search.

For teen drivers, one of the largest things that are used to help calculate the cost of insurance is the neighborhood you call home in Tulsa. Regions with more people or even just more weather-related claims will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims receive better rates.

The table below ranks the highest-priced areas in Oklahoma for teenagers to purchase auto insurance in. Tulsa shows up at #1 with an annual cost of $2,282 for the average policyholder, which is around $190 per month.

How much does car insurance cost in Tulsa, OK?
Rank City Premium Per Year
1 Tulsa $2,282
2 Sand Springs $2,227
3 Del City $2,221
4 Oklahoma City $2,199
5 Bixby $2,169
6 Sapulpa $2,165
7 Broken Arrow $2,151
8 Owasso $2,148
9 Bethany $2,135
10 Midwest City $2,119
11 Edmond $2,105
12 Moore $2,090
13 Norman $2,075
14 Claremore $2,069
15 Shawnee $2,048
16 Yukon $2,015
17 Bartlesville $1,981
18 Muskogee $1,962
19 Ponca City $1,956
20 Duncan $1,923
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Information shown are estimated as the specific zip code location can revise coverage rates noticeably.

The type of vehicle requiring coverage is one of the largest factors when looking for affordable coverage for teenagers. Vehicles with high performance, poor safety ratings, or a track record of large liability claims will cost substantially more to insure than safer, lower-performance models.

The list below outlines car insurance prices for a handful of the cheapest automobiles to insure in Oklahoma.

Cheapest Vehicles to Insure in Tulsa, OK
Vehicle Make and Model Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $4,079
Honda CR-V EX 2WD $4,084
Ford Escape XLT 4WD $4,117
Hyundai Elantra SE Touring Station Wagon $4,374
Toyota Prius $4,415
Ford Edge SE 2WD $4,541
Toyota Tacoma 4WD $4,580
Volkswagen Jetta SE 2.5 Station Wagon $4,673
Chevrolet Impala LS $4,799
Toyota RAV4 Limited 2WD $4,837
Chevrolet Equinox LS AWD $4,844
Jeep Grand Cherokee Laredo 2WD $4,837
Ford F-150 Lariat Crew Cab 2WD $4,878
Chevrolet Malibu LT $4,886
Dodge Grand Caravan SXT $4,878
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Data based on single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in specific zip code location which can alter premiums considerably.

Based upon these rates, you can figure that vehicles like the Honda Accord, Honda CR-V, and Ford Escape will be the cheapest vehicles to insure for teen drivers. The price for car insurance will tend to be more expensive anyway because there is more claim exposure for teenagers, but generally speaking those particular vehicles will have the lowest insurance prices compared to other types of vehicles.

Full coverage versus liability only rates

Buying cheaper auto insurance should be important to most vehicle owners, and one of the quickest ways to pay lower rates for insurance for teenagers is to buy only liability coverage. The chart below illustrates the difference between insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes a clean driving record, no claims, $100 deductibles, marital status is single, and no policy discounts are applied.

As an overall average, physical damage coverage costs $3,498 per year more than carrying just liability coverage. That is a significant amount which raises the question if full coverage is worth the money. There is no set guideline to stop paying for comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then you might consider buying liability only.

Discount Tulsa insurance

Auto insurance for teen drivers in Tulsa, OKCar insurance companies that offer cheap quotes for teenagers may additionally offer discounts that can reduce rates by 30% or more if you are eligible. Larger auto insurance companies and some of their more popular discounts are:

The information below shows the comparison of yearly insurance costs with and without discounts applied to the policy rates. The costs are based on a female driver, no claims or driving citations, Oklahoma state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with vehicle safety, passive restraint, anti-theft, paid-in-full, continuous coverage, and paperless filing discounts applied. When discounts are applied, theaverage yearly reduction on auto insurance for teenagers is 28% or $855.

How to find budget-friendly auto insurance for teenagers

The list below summarizes a few thrifty solutions that can help Oklahoma drivers locate more affordable auto insurance.

The final tip is particularly significant, as we pointed out in this piece. Car insurance rates go up and down frequently, so don’t be afraid to buy from a new company if a lower price can be found. Brand loyalty is not necessarily bad, but we do not recommend it if that dedication is costing hundreds of dollars a year. Take a couple minutes and compare prices and find cheaper insurance for teenagers in Tulsa.

The auto insurance agents in Tulsa shown below can help you determine which coverage fits your budget, since lots of people like to get some professional advice when shopping for cheaper insurance for teenagers. It’s not always easy to find the best rates on your own, so insurance agents can give peace of mind knowing your coverage gives you adequate protection in case of an accident or claim. To locate a Tulsa insurance agent close to you, click the link at the bottom.

GDK Insurance Agency, Inc.
3908 E 31st StTulsa, OK 74135(918) 742-5861

Cathy Warren – State Farm Insurance Agent
6119 E 91st St Ste 100Tulsa, OK 74137(918) 481-6655

Kelly Bell – State Farm Insurance Agent
10030 S Mingo Rd bTulsa, OK 74133(918) 459-0456

Beverly Young – State Farm Insurance Agent
7112 S Mingo Rd #102bTulsa, OK 74133(918) 250-1550

Jimmie A Neely Insurance
4444 E 66th StTulsa, OK 74136(918) 494-0600

View more Tulsa, OK insurance agencies