What Car Insurance is Cheapest for Drivers Under 25 in Tulsa?

The words “low-cost” and “insurance” really shouldn’t be used together, especially when searching for the lowest insurance rates for drivers under 25. Let’s go over a few of the factors that significantly impact car insurance prices, and find some ways to reduce the price of the next policy you buy.

The make and model of vehicle you are seeking coverage for is a large factor when comparing cheap coverage for drivers under 25. Vehicles with lower performance, good crash test ratings, or a low likelihood of liability claims will cost less to insure than fast, unsafe models. The next table illustrates coverage premiums for the most affordable automobiles to buy coverage for.

Cheapest Vehicles to Insure in Tulsa, OK
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V EX-L 4WD $3,038
Ford Escape Limited 2WD $3,044
Hyundai Elantra SE Touring Station Wagon $3,258
Volkswagen Jetta S 2.5 Station Wagon $3,268
Chevrolet Silverado LS Regular Cab 4WD $3,287
Toyota Prius $3,302
Ford F-150 XLT Super Cab 2WD $3,333
Dodge Grand Caravan SE $3,338
Chevrolet Impala LT $3,554
Toyota RAV4 2WD $3,564
Chevrolet Equinox LT AWD $3,554
Jeep Grand Cherokee Laredo 2WD $3,560
Toyota Tacoma Double Cab 4WD $3,554
Chevrolet Malibu Hybrid $3,561
GMC Sierra SLE Crew Cab 2WD $3,554
Ford Fusion S 4-Dr Sedan $3,564
Ford Explorer Limited AWD $3,597
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $3,600
Honda Odyssey EX-L $3,777
Ford Edge Limited AWD $3,784
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Cost estimates assume single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in specific Tulsa, OK garaging location which can decrease or increase auto insurance rates significantly.

Based upon the rates shown, models like the Honda CR-V, Ford Escape, Hyundai Elantra, and Volkswagen Jetta are going to be a few of the more affordable vehicles to insure for drivers age 25 and younger. The price for an auto insurance policy will be more costly because of the fact that there is more claim exposure for drivers under 25, but in general those specific models will tend to have the least expensive rates compared to all other vehicles.

Finding cheap insurance is difficult, and figuring out which companies offer the best car insurance rates for drivers under 25 may require additional perseverance. Every insurance provider has a unique formula to set policy rates, so let’s take a look at the most competitive car insurance companies in Tulsa.

It’s important that readers know that Oklahoma car insurance rates are influenced by many factors which can substantially decrease or increase the price of your policy. That is why drivers need to perform an extensive rate comparison when trying to find the lowest insurance quotes for drivers under 25. Insurance rates are influenced by many risk factors and can change substantially, so the lowest-price company the last time you compared rates may now be an over-priced policy.

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Oklahoma Farmers Union generally has some of the most affordable car insurance rates in Tulsa at around $1,190 each year. USAA, The Hartford, Farmers, and GEICO also qualify as some of the most economical Tulsa, OK insurance companies.

In the above rates, if you buy coverage from Farmers and switched to Oklahoma Farmers Union, you might see annual savings of around $204. Insureds with GEICO may save as much as $204 a year, and Safe Auto policyholders might lower prices by $215 a year.

Bear in mind that those policy prices are averaged across all drivers and vehicles in Oklahoma and and are not figured with an exact location for drivers under 25. So the car insurance company that can offer you the lowest price may not even be in the list above. That’s why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.

For drivers age 25 and younger, one of the largest things that aid in calculating the amount you pay each year for auto insurance is where you live. Cities with larger populations tend to have higher auto insurance costs, whereas areas that tend to be more rural benefit from having to pay less for coverage.

The illustration below sorts the priciest cities in Oklahoma for drivers under 25 to buy car insurance in. Tulsa comes in at #1 with a yearly cost of $2,282 for car insurance, which is about $190 monthly.

How much does car insurance cost in Tulsa, OK?
Rank City Annual Premium
1 Tulsa $2,282
2 Sand Springs $2,227
3 Del City $2,221
4 Broken Arrow $2,195
5 Midwest City $2,184
6 Oklahoma City $2,178
7 Bethany $2,157
8 Owasso $2,148
9 Bixby $2,147
10 Sapulpa $2,144
11 Claremore $2,069
12 Moore $2,069
13 Edmond $2,042
14 Shawnee $2,028
15 Yukon $2,015
16 Norman $2,013
17 Bartlesville $1,981
18 Stillwater $1,970
19 Muskogee $1,962
20 Enid $1,942
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Rates are estimated as specific Tulsa zip code can lower or raise coverage rates noticeably.

Get discounts on Tulsa auto insurance rates

Save on car insurance for drivers age 25 and younger in TulsaInsurance providers that offer coverage for drivers under 25 may also give you price discounts that could lower prices by 30% or more if you are eligible to receive them. A list of car insurance companies and some of the discounts are included below.

The chart below shows the comparison of yearly insurance costs with and without discounts applied. The rates are based on a female driver, no claims, a clean driving record, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with vehicle safety, passive restraint, paperless filing, continuous coverage, anti-theft, and good student discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on car insurance for drivers under 25 is 21% or $426.

Poor driving habits will raise your car insurance rates

The easiest method to snag good car insurance rates for drivers age 25 and younger is to be a safe driver and not get tickets or have accidents. The example below demonstrates how traffic citations and accidents influence car insurance costs for different age groups. The premiums are based on a single female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

In the example above, the average cost of a car insurance policy in Tulsa per year with a clean driving record and no accidents is $1,792. Factor in one speeding ticket and the average cost rises to $2,035, an increase of $243 each year. Now throw in two accidents along with the one speeding ticket and the yearly cost of car insurance for drivers under 25 increases to an average of $4,310. That’s an increase of $2,518, or $210 per month, just for being a less-than-perfect driver!

Tulsa car insurance rates

Oklahoma car insurance rates are based on many factors which can significantly increase or decrease the price of your policy. Improving your credit rating, buying a home, or having an accident can trigger rate changes that can cause some rates to be cheaper than before. Not only may your situation change, but auto insurance companies file new Oklahoma car insurance rates every year or even multiple times each year to adjust for heavy claims or excess profits. Unexpectedly high claims can result in increased policy costs, while a better loss history can cause lower-priced Tulsa car insurance rates.

To illustrate this point, the chart below shows the companies that have the cheapest car insurance in Tulsa, OK for a 35-year-old female driver with no prior accidents, a clean driving record, and great credit. If we compare prices based on her current risk profile, Oklahoma Farmers Union quotes the best car insurance rates in Tulsa at $1,398 each year. This is $569 less than the average rate paid by Oklahoma drivers of $1,967. USAA, GEICO, The Hartford, and Safe Auto are also on the list of the top five cheapest Tulsa, OK auto insurance companies.

Now let’s give the driver in the first chart a chargeable accident, poor credit, and a few blemishes on her driving record. Due to the fact that each insurance company has their own formula to set policy rates, comparing prices may now present a substantially altered list of cheap Tulsa auto insurance companies as shown below.

State Farm now has the cheapest auto insurance in Tulsa with USAA, GEICO, Liberty Mutual, and The Hartford also being competitive. This illustrates why it is important to perform an extensive rate comparison when trying to get the best car insurance rates for drivers under 25.

Prices are made up of many risk factors and can change substantially, so the most economical company the last time you shopped your coverage around may now not even be in the top five.

The Tulsa car insurance agencies listed below are willing to aid you in deciding which coverages you need, as many consumers aren’t sure which coverage to buy and prefer to have the advice of a professional agent when shopping for the best coverage for drivers age 25 and younger. It’s not always easy to find the best policy on your own, so getting professional guidance from a licensed agent can bring satisfaction knowing your policy gives you sufficient coverage at claim time. To locate a Tulsa insurance agent nearest to you, click the button after the list.

Hometown Insurance Agency Inc
8282 S Memorial Dr #201Tulsa, OK 74133(918) 366-9999

Allstate Insurance: Mike De Marco
5800 S Lewis Ave Ste 149Tulsa, OK 74105(918) 749-1300

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

Cheapest Auto Insurance
2646 E 15th StTulsa, OK 74104(918) 744-5145

More Tulsa, OK insurance agents

How to find the cheapest car insurance for drivers under 25

The list below summarizes some money-saving ideas that can help Oklahoma drivers quote more affordable coverage.

The final tip is remarkably important, as we hit on in the prior article. Prices charged by companies in Tulsa can be modified anytime, so drivers shouldn’t be reluctant to change insurance companies if a more affordable rate is found. Having a favorite company is fine, but it isn’t a good idea if that loyalty results in overpaying potentially thousands of dollars a year. In just a couple of minutes you could compare prices and find cheaper car insurance for drivers under 25.