What Auto Insurance is Cheapest for a Honda Accord in Tulsa?

Finding cheaper insurance for a Honda Accord is pretty easy for most people to do, but it hinges on many rating factors such as your financial responsibility, whether you are claim-free, and physical damage deductibles. Oklahoma drivers pay approximately $1,650 per year for Accord insurance, but that price is an approximation using a 30-year-old single female driver with full comprehensive and collision coverage and $250 deductibles.

But there is a good chance that you may not be 30 years old (or even female), possibly married instead of single, or maybe you have a teen driver on your policy that needs to be considered. Having what appears to be a very minor change in the rating criteria used to formulate rates may result in significant differences in the amount insurance costs for a Honda Accord.

Each driver’s needs are different, and that demonstrates why the best way to find the most affordable coverage for your Honda is to compare as many rates as you can. Quotes only take a couple of minutes and you will be able to see rates from top-rated companies available.

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The trim level of your Honda impacts the annual cost of coverage, so the price you will be charged to insure a Accord LX 4-Dr Sedan model will be $584 lower than the cost to insure the more costly Accord EX-L 2-Dr Coupe version, as shown by the rates below.

Honda Accord Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $336 $590 $514 $30 $154 $1,624 $135
Accord EX 4-Dr Sedan $336 $590 $514 $30 $154 $1,624 $135
Accord LX-P 4-Dr Sedan $336 $590 $514 $30 $154 $1,624 $135
Accord EX-L 4-Dr Sedan $384 $718 $514 $30 $154 $1,800 $150
Accord EX 2-Dr Coupe $384 $846 $684 $40 $204 $2,158 $180
Accord LX-S 2-Dr Coupe $384 $846 $684 $40 $204 $2,158 $180
Accord EX-L 2-Dr Coupe $434 $846 $684 $40 $204 $2,208 $184
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rate information does not factor in specific garaging location which can affect insurance rates noticeably.

Finding out which company quotes the cheapest auto insurance rates for a Honda Accord will require more time in order to find a policy that fits your budget. Every insurance company has a different process to set premium rates, so we will examine the most budget-friendly auto insurance companies in Tulsa.

Keep in mind that Tulsa, OK auto insurance rates are impacted by many things which can substantially change the price you pay. Improving your credit score, having a teenage driver, or having a fender bender can produce rate changes resulting in some companies being more affordable than others.

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Cheapest insurance companies in Oklahoma
Rank Company Cost Per Year
1 USAA $1,150
2 Oklahoma Farmers Union $1,154
3 The Hartford $1,319
4 Safe Auto $1,377
5 Farmers $1,394
6 GEICO $1,394
7 State Farm $1,521
8 Liberty Mutual $1,797
9 Travelers $1,868
10 Mercury $1,973
11 OK Farm Bureau $1,997
12 Shelter $2,108
13 Home State $2,149
14 MetLife $2,169
15 Progressive $2,245
16 Allstate $2,400
17 Safeco $5,158
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USAA quotes some of the lowest car insurance rates in Tulsa at around $1,150 per year. This is $817 less than the average price paid by Oklahoma drivers of $1,967. Oklahoma Farmers Union, The Hartford, Safe Auto, and Farmers also qualify as some of the cheapest Tulsa, OK insurance companies.

As shown above, if you are a customer of Safe Auto and switched to USAA, you might see annual savings of about $227. Insureds with Farmers may save as much as $244 a year, and GEICO insureds might see rate reductions of $244 a year.

Be aware that those premium estimates are averages for all drivers and vehicles in Oklahoma and and are not figured with a vehicle location for a Honda Accord. So the car insurance company that is best for you may not even be in the top 17 companies in the list above. That point stresses why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

The information below highlights how deductible selection can increase or decrease yearly insurance costs when researching cheap insurance for a Honda Accord. The premium estimates are based on a married male driver, comp and collision included, and no discounts are factored in.

The chart above illustrates that a 40-year-old driver could cut expenses by $312 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $472 by using a $1,000 deductible. Young drivers, like the 20-year-old example, could roll back prices up to $1,038 annually by choosing a larger deductible amount. When raising deductibles, it will now be necessary to have plenty of discretionary funds to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.

The importance of shopping around

Tulsa, OK auto insurance rates are based on many factors that may substantially change the cost of a policy. Improving your credit score, increasing deductibles, or getting a DUI can trigger changes in premium that can make some companies more affordable than competitors. And not only may your rating factors change, but insurance companies file new Oklahoma car insurance rates as needed in order to be able to pay unexpected claims. Higher than normal claim frequency or severity may cause higher prices, while less frequent claims may result in lower-cost Accord insurance rates.

To help illustrate this point, the chart below shows a variety of companies that have the cheapest car insurance in Tulsa, OK for a 30-year-old female driver with no violations or accidents, and a good credit history. If we estimate rates based on her current risk profile, Oklahoma Farmers Union might quote the best car insurance rates in Tulsa at $1,360 each year. This is $607 less than the average rate paid by Oklahoma drivers of $1,967. USAA, The Hartford, GEICO, and Safe Auto are also included in the cheapest Tulsa, OK auto insurance companies.

Now let’s give the driver from the first rate comparison a claim or two, a lower credit rating, and a couple of points charged on her driving record. Since each auto insurer has their own process for filing rates in each state, comparing prices may result in a different ranking of affordable Tulsa car insurance companies as shown below.

State Farm now has the best price on car insurance in Tulsa with USAA, Liberty Mutual, Travelers, and GEICO completing the list. This example illustrates why it is crucial to do a thorough rate comparison to find the most economical car insurance rates for a Honda Accord.

Insurance rates consist of many risk factors and can increase or decrease at any time, so the most economical option the last time you compared rates may now cost much more than other companies.