For state and federal workers, one of the largest considerations that are looked at to determine car insurance rates is where you choose to live in Tulsa. Regions with more people or even just more weather-related claims are more likely to pay higher prices, whereas areas with less crime or weather claims benefit from lower coverage costs.
The information below rates the most costly cities in Oklahoma for government employees to buy car insurance in. Tulsa shows up at #1 with the yearly price of $2,282 for the average insured, which is approximately $190 monthly.
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Premium costs are estimated as the specific area where the vehicle is garaged can change premium rates considerably.
The vehicle model you are seeking coverage for is a significant factor that determines whether or not you find the best cheap car insurance for government employees. Vehicles with high performance engines, poor safety features, or an increased likelihood of liability claims will cost significantly more to insure than more economical and safe models.
The table below showcases car insurance prices for a number of the most affordable automobiles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$1,142|
|Ford F-150 XL Regular Cab 2WD||$1,178|
|Honda CR-V EX 2WD||$1,250|
|Hyundai Elantra GLS Touring Station Wagon||$1,257|
|Honda Accord LX-P 4-Dr Sedan||$1,286|
|Jeep Grand Cherokee Laredo 2WD||$1,351|
|Volkswagen Jetta S 2.5 Station Wagon||$1,394|
|Toyota Tacoma X-Runner 2WD||$1,423|
|Chevrolet Impala LTZ||$1,431|
|Chevrolet Malibu Hybrid||$1,479|
|Chevrolet Equinox LS 2WD||$1,488|
|Toyota RAV4 Limited 4WD||$1,479|
|Honda Odyssey EX W/Rear Entertainment||$1,491|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$1,515|
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Estimates do not factor in specific location which can impact rates substantially.
Looking at the data, we can tell that makes and models like the Ford Escape, Ford F-150, and Honda CR-V are some of the most economical vehicles to insure for state and federal workers.
Finding cost effective auto insurance is confusing at best, and deciding which insurers offer the cheapest auto insurance rates for government employees may require a bit more work. Each insurance company uses slightly different criteria to set premium rates, so let’s take a look at the auto insurance companies with the overall cheapest rates in Tulsa, OK.
Cheapest Insurance Rates in Oklahoma
|Rank||Company||Cost Per Year|
|2||Oklahoma Farmers Union||$1,166|
|11||OK Farm Bureau||$2,058|
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USAA generally has some of the best car insurance rates in Tulsa at around $1,150 per year. Oklahoma Farmers Union, GEICO, The Hartford, and Safe Auto would also make the list of some of the lowest-priced Tulsa, OK auto insurance companies.
In the above example, if you are insured with Oklahoma Farmers Union and switched to USAA, you might realize yearly savings of approximately $16. Insureds with GEICO might save as much as $190 a year, and The Hartford policyholders might reduce prices by as much as $209 a year.
To find out how much you can save, click here to start your custom quote or visit any of the low-priced companies below.
Bear in mind that those policy prices are averages for all types of drivers and the different vehicles they drive and do not factor in an exact location for government employees. So the car insurance company that can offer the best rates for your situation may not even be in the top 17 companies in the list above. That point stresses why you need to get auto insurance quotes using your own driver data and vehicle information.
How to find a good Tulsa auto insurance company
Finding the right car insurance provider is difficult considering how many companies there are to choose from in Tulsa. The ranking data displayed below can help you select which coverage providers to look at purchasing a policy from.
These ratings include the largest auto insurers in America, so companies with more of a regional focus will not be included in these rankings. To compare price quotes from the most competitive companies in Oklahoma, click this link.
Top 10 Large Auto Insurers in Tulsa Ranked by A.M. Best Rating
- Travelers – A++
- GEICO – A++
- State Farm – A++
- USAA – A++
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- The Hartford – A+
- Esurance – A+
- Progressive – A+
Careless driving habits raise Tulsa auto insurance rates
The ideal way to obtain the cheapest auto insurance premiums in Oklahoma for state and federal workers is to be a careful driver and avoid accidents and traffic citations. The information below illustrates how speeding tickets and accidents can impact premium costs for different age groups. The price estimates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.
The data charted above shows the average cost of car insurance in Tulsa per year with a clean driving record and no accidents is $2,700. Add in one speeding ticket and the average cost swells to $3,059, an increase of $359 each year. Then add in one accident along with the one speeding ticket and the annual cost of auto insurance for government employees increases to an average of $4,079. That’s an increase of $1,379, or $115 per month, just for being a little careless behind the wheel!
Chances are good that you’re overpaying for Tulsa car insurance
Oklahoma auto insurance rates are based on many factors that control the cost of having a policy. Improving your credit rating, having a teenage driver, or getting a driving violation can produce rate changes that can make some companies cheaper than competitors.
Not only may your risk profile change, but companies amend pricing as often as every three months in order to offset underwriting gains or losses. Heavier than normal losses may result in more expensive premiums, while a better loss history may result in lower-priced Tulsa car insurance rates.
The chart below shows the companies that have the cheapest car insurance in Tulsa, OK for a 35-year-old female driver with no accidents or violations, and excellent credit. Based on her current risk profile, USAA offers the most affordable car insurance rates in Tulsa at $1,441 a year. This is $526 less than the average premium paid by Oklahoma drivers of $1,967. Oklahoma Farmers Union, GEICO, Safe Auto, and The Hartford are also on the list of the top five cheapest Tulsa, OK auto insurance companies.
Let’s now give the driver in the first chart a couple of claims, a little lower credit rating, and a few blemishes on her driving record. Because every insurance company has their own process to establish rates, comparing insurance quotes could now result in a new list of the cheapest car insurance companies in Tulsa as shown below.
State Farm now has the best price in Tulsa, OK with Oklahoma Farmers Union, Liberty Mutual, GEICO, and Safe Auto completing the list. This illustrates why it is critical to compare many different companies to get the best car insurance rates for government employees.
Auto insurance prices are determined by many things and can change without notice, so the most affordable company when you bought your policy may now be an over-priced policy.
The Tulsa, OK, insurance agents below are willing to aid you in deciding which policy fits your needs best, as lots of drivers aren’t clear which coverage they need and would like to get some professional input when trying to find the best insurance rates for government employees. It can be complicated to do it yourself, so getting advice from a licensed Oklahoma insurance agent can add satisfaction knowing your policy gives you adequate protection.
To locate a Tulsa auto insurance agent by location nearest to you, click the link at the bottom or click here to compare price quotes.
Clarence Zitterkob – State Farm Insurance Agent
7820 E 101st St – Tulsa, OK 74133 – (918) 369-2000
Daniel Parker – State Farm Insurance Agent
6770 S Sheridan Rd STE A – Tulsa, OK 74133 – (918) 994-5400
GDK Insurance Agency, Inc.
3908 E 31st St – Tulsa, OK 74135 – (918) 742-5861