Who Has Affordable Car Insurance Rates for Handicapped Drivers in Tulsa?

One of the many things that help determine insurance cost is where you call home. Areas with more people or more claims tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents benefit from having to pay less for coverage.

The table below ranks the most expensive areas in Oklahoma for handicapped drivers in which to purchase auto insurance. Tulsa ranks #1 with a yearly premium of $2,282 for the average insured, which is around $190 monthly.

How much does auto insurance cost in Tulsa?
Rank City Annual Rate
1 Tulsa $2,282
2 Bethany $2,201
3 Oklahoma City $2,199
4 Broken Arrow $2,195
5 Sand Springs $2,161
6 Del City $2,155
7 Moore $2,153
8 Owasso $2,148
9 Bixby $2,147
10 Midwest City $2,119
11 Edmond $2,105
12 Sapulpa $2,102
13 Norman $2,095
14 Yukon $2,076
15 Claremore $2,048
16 Shawnee $2,028
17 Bartlesville $2,000
18 Ponca City $1,976
19 Ardmore $1,955
20 Muskogee $1,943
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Premium costs are approximated as vehicle location can change auto insurance rates substantially.

Locating low-priced insurance is not the easiest thing to accomplish, and figuring out which company quotes the cheapest car insurance rates for handicapped drivers calls for even more diligence. Each insurance company has their own unique process to set premium rates, so we’ll go over the overall cheapest car insurance companies in Tulsa.

It’s a good idea to know that Tulsa, OK car insurance rates are calculated based on many things that may substantially change the price you have to pay for coverage. This price fluctuation is why it is critical to compare many different companies to find cheap car insurance rates for handicapped drivers. Rates are calculated by many different factors and change dramatically, so the most economical option the last time you shopped around may now be one of the more expensive options.

Cheap Insurance Rates in Oklahoma

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Oklahoma Farmers Union may offer some of the best car insurance rates in Tulsa at around $1,154 annually. This is $813 less than the average price paid by Oklahoma drivers of $1,967. USAA, GEICO, The Hartford, and Safe Auto also qualify as some of the cheaper Tulsa, OK car insurance companies.

As depicted above, if you are a policyholder with The Hartford and switched to USAA, you might realize yearly savings of in the neighborhood of $177. Customers with Safe Auto may save as much as $209 a year, and Farmers policyholders might lower prices by up to $226 a year.

It’s important to note that these policy rates are averages across all types of drivers and the different vehicles they drive and do not factor in a specific zip code for handicapped drivers. So the auto insurance company that has the cheapest rates for you may not even be in the top 17 companies in the list above. That is why you need to compare prices as often as possible using your own individual information.

What is the best car insurance company in Oklahoma?

Buying coverage from a good quality insurance company can be a challenge considering how many choices drivers have in Tulsa. The company information in the next section could help you select which coverage providers you want to consider buying from. The ratings below only include large nationwide companies, so companies that only write business in Oklahoma or surrounding areas are not included in the list.

Tulsa, OK Car Insurance Company Rankings
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
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

Discounts on Tulsa auto insurance rates

Save on car insurance for drivers with handicaps in TulsaInsurers that sell policies for handicapped drivers may also give you price discounts that could potentially reduce rates by as much as 35% if you can meet the requirements. A few of the larger companies and a selection of discounts are shown below.

The chart below visualizes the comparison of insurance prices with and without discounts applied. The rates are based on a female driver, no claims or violations, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with vehicle safety, accident-free, passive restraint, homeowner, multiple policy, and claim-free discounts applied. In this example, the average amount saved each year on car insurance for handicapped drivers is 28% or $558.

The diagram below demonstrates how deductible levels can impact insurance costs when searching for cheap insurance for handicapped drivers. The rate quotes are based on a single female driver, full physical damage coverage, and no discounts are applied.

A 30-year-old driver could pocket $550 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $826 by using a $1,000 deductible. Youthful drivers, like the 20-year-old example, could shave up to $1,232 each year by choosing a higher deductible. If you do raise deductibles, it will be necessary to have additional funds squirreled away to be able to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

If you would rather get some professional advice when shopping around for cheaper insurance for drivers with handicaps, the professional agents shown below are willing to help you make a decision which policy fits your needs best.

To find a Tulsa insurance agent near you, click the button at the bottom of the list.

Ken Shoemaker – State Farm Insurance Agent
10115 S Sheridan Rd dTulsa, OK 74133(918) 299-9995

Elonda Wicks – State Farm Insurance Agent
5807 S Garnett Rd gTulsa, OK 74146(918) 252-3313

Gail Boyce – State Farm Insurance Agent
6149 S Peoria AveTulsa, OK 74136(918) 747-6866

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