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.
| 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 |
| Find the Best Rates Go | ||
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.
| 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.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Discounts on Tulsa car insurance rates
Insurance 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.
- Progressive offers premium reductions for continuous coverage, online quote discount, multi-policy, online signing, multi-vehicle, and homeowner.
- Farmers Insurance offers discounts for mature driver, early shopping, pay in full, distant student, teen driver, and alternative fuel.
- Farm Bureau may have discounts that include safe driver, multi-vehicle, good student, renewal discount, youthful driver, and 55 and retired.
- State Farm has savings for accident-free, driver’s education, multiple policy, good driver, safe vehicle, Drive Safe & Save, and good student.
- GEICO has discounts for daytime running lights, good student, membership and employees, seat belt use, and air bags.
- SAFECO includes discounts for safe driver, homeowner, anti-theft, drive less, teen safety rewards, teen safe driver, and anti-lock brakes.
- Liberty Mutual may offer discounts for good student, multi-policy, new vehicle discount, new graduate, multi-car, new move discount, and safety features.
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.
- Jim Campos – State Farm Insurance Agent
12802 E 31st St a – Tulsa, OK 74146 – (918) 622-4777 - Jim Vanderveen – State Farm Insurance Agent
3015 E 15th St – Tulsa, OK 74104 – (918) 712-5979 - Janine Billings – State Farm Insurance Agent
4401 S Peoria Ave A – Tulsa, OK 74105 – (918) 747-9555 - Sawyer-Phillips and Associates, Inc.
6666 S Sheridan Rd #220 – Tulsa, OK 74133 – (918) 794-4000
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.
- Raise your physical damage coverage deductibles
- At-fault accidents can raise rates significantly
- Ensure your driving record is clean
- Assess whether full coverage is needed
- Having too many claims will increase rates substantially
- Compare rate quotes often
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.