Figuring out which companies offer the cheapest insurance rates for drivers with a DUI will require a little more work in order to find the best policy. Each auto insurer uses a slightly different approach to set policy rates, so we’ll take a look at the insurance companies that tend to have lower prices in Tulsa.
Cheap Insurance Rates after a DUI
|Rank||Company||Cost Per Year|
|2||Oklahoma Farmers Union||$1,202|
|11||OK Farm Bureau||$2,018|
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USAA quotes some of the best car insurance rates in Tulsa at around $1,150 per year. Oklahoma Farmers Union, The Hartford, Farmers, and GEICO also are some of the lowest-priced Tulsa, OK auto insurance companies.
As illustrated above, if you are a policyholder with GEICO and switched to Oklahoma Farmers Union, you could see savings of in the neighborhood of $192. Customers with Safe Auto could save as much as $203 a year, and State Farm policyholders might lower prices by up to $334 a year.
It’s important to note that these prices are averaged for all types of insureds and vehicles and are not factoring in a vehicle location for drivers with a DUI. So the company that is best for you may not even be in the list above. That is why you need to get car insurance quotes using your own personalized driver profile and vehicle information.
The vehicle model to be insured is a large factor when comparing the best cheap insurance for drivers with a DUI. Vehicles with higher performance, poor passenger safety features, or a track record of large liability claims will cost more to insure than more modest models. The information below illustrates coverage costs for a selection of the most economical vehicles to insure in Oklahoma.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$1,728|
|Honda CR-V LX 2WD||$1,735|
|Dodge Grand Caravan CV||$1,769|
|Chevrolet Impala LT||$1,873|
|Ford Fusion S 4-Dr Sedan||$1,883|
|GMC Sierra SLE Crew Cab 2WD||$1,873|
|Ford Explorer Limited 2WD||$1,909|
|Toyota Tacoma 4WD||$1,937|
|Hyundai Elantra Blue 4-Dr Sedan||$1,942|
|Honda Civic DX 4-Dr Sedan||$1,959|
|Toyota Corolla XLE||$1,978|
|Ford Edge SEL AWD||$1,997|
|Chevrolet Equinox LS AWD||$1,999|
|Nissan Rogue S AWD||$2,001|
|Volkswagen Jetta 2.0T 4-Dr Sedan||$2,013|
|Ford F-150 FX4 4WD||$2,037|
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Data based on single male driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, and claim-free. Price information does not factor in specific zip code location which can modify premium rates noticeably.
Based upon the table data, you can presume that cars like the Ford Escape, Honda CR-V, Dodge Grand Caravan, and Chevrolet Impala are the most economical vehicles to insure after getting a DUI. Prices will tend to be more expensive anyway because of the fact that there is more liability risk for drivers with a DUI, but in general those particular models will tend to have the best insurance prices that you’ll find.
After getting a DUI, one of the largest criteria that are looked at to help calculate auto insurance rates is where your car is garaged in Tulsa. Cities with larger populations or higher claim trends tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims have the luxury of lower rates.
The information below lists the most costly cities in Oklahoma for drivers with a DUI in which to purchase auto insurance. Tulsa is listed at #1 with the annual price of $2,259 on average, which is around $188 per month.
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Price information shown is estimated as specific location information can modify premiums substantially.
Insurance rate increases from tickets or accidents
The common sense way to snag the cheapest insurance premiums in Tulsa after getting a DUI is to be a cautious driver and maintain a clean driving record. The information below demonstrates how citations and at-fault accidents can affect auto insurance costs for each age group. The data is based on a married female driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.
The data charted above shows the average cost of a car insurance policy in Oklahoma per year with a clean driving record and no accidents is $2,456. Receive two speeding tickets and the average cost swells to $3,502, an increase of $1,045 each year. Now add one accident along with the two speeding tickets and the annual cost of insurance for drivers with a DUI goes up to an average of $4,553. That’s an increase of $2,097, or $175 per month, just for not driving safely!
Selecting a highly-rated insurance company is hard considering how many companies there are to choose from in Oklahoma. The rank data in the lists below could help you select which car insurance providers you want to consider when trying find the best insurance for drivers with a DUI. These rankings are only made up of companies who write in the majority of U.S. states, so companies that only write business in Oklahoma or surrounding areas are not factored into these rankings.
Top 10 Major Auto Insurers in Tulsa Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Top 10 Major Auto Insurers in Tulsa Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- AAA Insurance
- The Hartford
How to find more affordable car insurance for drivers with a DUI
Below you’ll find some thrifty ideas that can help you quote more affordable car insurance.
- Prevent price hikes by avoiding at-fault accidents
- Buy vehicles with good safety ratings
- Remove physical damage coverage on older vehicles
- Try to pay small claims out-of-pocket
- Drive safely
- Save money by bundling your home and auto policies
- Compare prices frequently to find the best deal
That last idea is remarkably vital, as we emphasized in this piece. Insurance rates fluctuate constantly, so you should be ready to buy a policy from a new company if you find a better deal. Having a favorite company is great, but it’s not recommended if that inflexibility results in costing you hundreds every year. In just a couple of minutes you could compare rates and find cheaper car insurance for drivers with a DUI in Tulsa.
If you aren’t sure which coverage you need and prefer to get help from a professional when shopping for the best coverage after getting a DUI, the agents shown below can probably help you make a decision which coverage fits your budget.
To locate a Tulsa insurance agent using an interactive map, click the button below the list.
- Cheapest Auto Insurance
2646 E 15th St – Tulsa, OK 74104 – (918) 744-5145
- Brian Cannon – State Farm Insurance Agent
11320 E 32nd St – Tulsa, OK 74146 – (918) 627-0977
- Allstate Insurance: Jim Boese
10396 E 21st St – Tulsa, OK 74129 – (918) 665-2424
- Best Insurance
1825 S Garnett Rd – Tulsa, OK 74128 – (918) 234-0022