Who Has Affordable Car Insurance Quotes for Active Military in Tulsa?

You have probably seen the ads from car insurance companies like The General, Liberty Mutual, and GEICO that claim enormous savings. So drivers should just choose any one of them, right?

Regrettably, it’s not quite that easy, as there are a whole bunch of unknown aspects like the type of vehicle you drive, the amount of coverage you want, whether you are male or female, and whether you are married or single. This article should teach you a little about the different ways you can keep rates low and should give you a solid foundation to find cheaper car insurance.

For military personnel, one of the largest things that are looked at to determine the amount you pay for auto insurance is the neighborhood you call home in Tulsa. Regions with more people or even just more weather-related claims are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims get the luxury of paying less.

The information below rates the priciest cities in Oklahoma for active military to purchase a policy in. Tulsa shows up at #1 with an annual rate of $2,259 for the average policy, which is about $188 per month.

How much does car insurance cost in Tulsa, OK?
Rank City Premium Per Year
1 Tulsa $2,259
2 Bixby $2,235
3 Del City $2,221
4 Sand Springs $2,205
5 Broken Arrow $2,195
6 Bethany $2,157
7 Owasso $2,148
8 Midwest City $2,140
9 Oklahoma City $2,134
10 Moore $2,132
11 Sapulpa $2,081
12 Yukon $2,076
13 Edmond $2,063
14 Shawnee $2,048
15 Norman $2,033
16 Claremore $1,987
17 Stillwater $1,970
18 Muskogee $1,962
19 Ponca City $1,956
20 Enid $1,942
21 Duncan $1,942
22 Ardmore $1,936
23 Bartlesville $1,922
24 Altus $1,894
25 Lawton $1,865
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Annual rates are approximated as specific Tulsa garaging address can increase or decrease insurance rates considerably.

The vehicle requiring coverage is a significant factor when comparison shopping for the cheapest car insurance for active military. Vehicles with higher performance characteristics, poor passenger safety features, or a history of substantial liability claims will cost significantly more to insure than safer, lower-performance models. The information below ranks car insurance premiums for some of the most budget-friendly automobiles to insure in Oklahoma.

Cheapest Vehicles to Insure in Tulsa, OK
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda CR-V EX 2WD $1,197
Ford Escape XLS 2WD $1,206
Ford Focus SE 4-Dr Sedan $1,388
Chevrolet Equinox LS AWD $1,415
Toyota RAV4 Limited 4WD $1,425
Ford F-150 FX2 2WD $1,443
Hyundai Elantra SE Touring Station Wagon $1,487
Ford Edge Sport 2WD $1,496
Nissan Rogue S 2WD $1,520
Chevrolet Silverado Crew Cab Hybrid 2WD $1,589
Honda Accord EX-L 4-Dr Sedan $1,594
Ford Fusion Sport AWD 4-Dr Sedan $1,617
Kia Optima SX $1,619
Dodge Ram 2500 Crew Cab ST 2WD $1,629
Chevrolet Impala LT $1,624
Chevrolet Malibu Hybrid $1,631
Toyota Prius $1,629
Jeep Wrangler Sahara 4WD 2-Dr $1,646
Dodge Grand Caravan Crew $1,654
Honda Odyssey EX-L $1,708
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Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in specific Tulsa, OK garaging location which can decrease or increase coverage prices noticeably.

Based upon the rates shown, we can presume that models like the Honda CR-V, Ford Escape, Ford Focus, and Chevrolet Equinox are the cheapest vehicles to insure for military personnel.

Picking a good quality insurance provider can be challenging considering how many different companies sell coverage in Tulsa. The rank data listed below can help you decide which car insurance companies you want to consider purchasing coverage from.

These rankings are for companies that write coverage in many states, so smaller companies are not taken into consideration for the list. To get rate quotes from these and other competitive companies, click this link.

Top Ten Car Insurance Companies for Active Military in Oklahoma
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
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Data Source: Insure.com Best Car Insurance Companies

Discounts on Tulsa car insurance rates

Car insurance for military personnel in Tulsa, OKInsurance companies that provide coverage for active military may provide premium discounts that could reduce prices by 25% or more if you qualify. A few of the larger companies and a selection of discounts can be read below.

The diagram below shows the difference between yearly insurance costs with and without discounts applied to the policy rates. The premiums are based on a male driver, a clean driving record, no claims, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with anti-theft, passive restraint, defensive driving course, accident-free, multiple vehicle, and vehicle safety discounts applied. With discounts applied, theamount saved on car insurance for active military is 28% or $710.

The importance of comparing Tulsa car insurance rates

Tulsa, OK car insurance rates are impacted by many factors that can increase the price of coverage. Simply turning a year older, buying a home instead of renting, or getting a ticket for careless driving may cause policy rate changes that can cause some rates to be more affordable than before.

Not only may your situation change, but insurance companies change the rates they charge in Oklahoma as often as every quarter as an adjustment for underwriting gains or losses. Heavier than normal losses can result in high rates, while long-term profits may cause lower-priced Tulsa car insurance rates.

For example, the chart below shows the cheapest car insurance in Tulsa, OK for a 35-year-old male driver with a clean driving record, no accidents, and a good credit rating. If we compare prices based on his current risk profile, USAA might quote the best car insurance rates in Tulsa at $1,442 a year. This is $525 less than the average premium paid by Oklahoma drivers of $1,967. Oklahoma Farmers Union, The Hartford, GEICO, and Safe Auto also make the list of the most affordable Tulsa, OK auto insurance companies.

Now we will give the driver in the first chart a claim, less-than-perfect credit, and a blemish on his driving record. Due to the fact that every auto insurer has their own unique process for setting rates, getting updated rate quotes may result in a slightly different list of companies as shown below.

State Farm now has the cheapest rate in Tulsa, OK with Oklahoma Farmers Union, Travelers, Liberty Mutual, and Farmers now rounding out the top five. This example proves why it is critical to shop around when trying to find the most economical insurance quotes for active military.

Car insurance prices are calculated by many factors and change substantially, so the most economical option the last time you checked may now be costing you a lot of money.

If you prefer to get some professional input when trying to find lower insurance rates for military personnel, the agencies below can provide answers to your questions and help you determine which coverage fits your budget.

To locate an agency nearest to you, click the button link following the list or click here to compare price quotes.

View more Tulsa, OK insurance agents

How to find budget-friendly insurance for active military

The list below shows many money-saving ideas that can help Tulsa drivers get more affordable car insurance.

The final tip is notably significant, as we emphasized in this article. Auto insurance prices in Tulsa can be modified anytime, so don’t be afraid to switch companies if a more affordable price is available.

Many drivers prefer to stick with one company, but is isn’t recommended if that loyalty results in overpaying lots of money. Take a couple minutes and compare rates to find cheaper insurance for active military.