What Car Insurance is Cheapest for High School Students in Tulsa?

The words “low-cost” and “insurance” really shouldn’t be used in the same sentence, specifically when shopping around for the cheapest auto insurance for high school students. To help control this cost, let’s start off by going over some things that have a considerable impact on insurance prices, and find some ways to shave a little off your next policy.

For teenagers, one of the more important components that help determine insurance cost is where you live. More populated areas tend to pay slightly more, whereas areas with less congestion receive better rates.

The table below ranks the priciest cities in Oklahoma for high school students in which to purchase auto insurance. Tulsa is ranked #4 with a yearly premium of $2,192 for car insurance, which is approximately $183 monthly.

How much does car insurance cost in Tulsa, OK?
Rank City Premium Per Year
1 Bixby $2,235
2 Sand Springs $2,227
3 Bethany $2,201
4 Tulsa $2,192
5 Sapulpa $2,165
6 Del City $2,155
7 Midwest City $2,140
8 Oklahoma City $2,134
9 Broken Arrow $2,130
10 Moore $2,090
11 Norman $2,075
12 Owasso $2,064
13 Edmond $2,063
14 Yukon $2,015
15 Claremore $2,008
16 Bartlesville $2,000
17 Shawnee $1,968
18 Ardmore $1,955
19 Duncan $1,942
20 Lawton $1,922
21 Stillwater $1,911
22 Muskogee $1,905
23 Enid $1,904
24 Ponca City $1,898
25 Altus $1,894
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Rate information is estimated as specific location information can lower or raise premiums considerably.

The car, truck, or SUV you are insuring is a large factor that determines if you can find cheaper car insurance for high school students. Vehicles with higher performance, poor safety features, or a track record of large liability claims will cost substantially more to insure than more economical and safe models. The information below features insurance costs for some of the more affordable automobiles to insure.

Cheapest Vehicles to Insure in Tulsa, OK
Vehicle Insured Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $4,428
Honda Accord LX 4-Dr Sedan $4,433
Ford Escape XLT 2WD $4,428
Honda CR-V EX 4WD $4,475
Toyota Prius $4,810
Ford F-150 XL Crew Cab 2WD $4,966
Ford Explorer XLT 2WD $4,972
Volkswagen Jetta 2.0T Station Wagon $5,098
Ford Edge SEL 2WD $5,209
Chevrolet Impala LS $5,217
Ford Fusion S 4-Dr Sedan $5,256
Toyota RAV4 Limited 4WD $5,262
Chevrolet Equinox LT AWD $5,256
Chevrolet Silverado LT Extended Cab 4WD $5,263
GMC Sierra SLE Crew Cab 2WD $5,256
Toyota Camry LE $5,265
Chevrolet Malibu LS $5,256
Dodge Grand Caravan Crew $5,301
Toyota Tacoma Double Cab TRD Sport Package 4WD $5,307
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $5,493
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Cost estimates assume single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in specific Tulsa, OK garaging location which can influence premium rates greatly.

Based upon these rates, you can conclude that vehicles like the Hyundai Elantra, Honda Accord, Ford Escape, Honda CR-V, and Toyota Prius will be some of the cheapest vehicles to insure for teenagers. Car insurance rates will tend to be more expensive anyway because of the fact that there is more liability risk for high school students, but overall those particular vehicles will have the lowest insurance rates that you are likely to find.

Impact of violations and accidents on rates

The easiest method to get cheap insurance prices in Oklahoma for teenagers is to drive safely and avoid accidents and traffic violations. The chart below illustrates how traffic citations and at-fault collisions can influence insurance costs for each age group. The rates are based on a married male driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

The data charted above shows the average cost of an auto insurance policy in Oklahoma per year with no violations or accidents is $1,796. Receive one speeding ticket and the average cost swells to $2,065, an increase of $269 each year. Now throw in two accidents along with the one speeding ticket and the 12-month cost of insurance for high school students increases to an average of $4,483. That’s an increase of $2,687, or $224 per month, just for being a careless driver!

The example below illustrates how choosing a deductible can influence yearly insurance costs when searching for cheap insurance for high school students. The price estimates are based on a married male driver, full physical damage coverage, and no discounts are taken into consideration.

The chart above illustrates that a 30-year-old driver could lower rates by $466 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $704 by selecting a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could lower their rates $1,420 each year just by choosing higher deductibles. When using a larger deductible, it will be required to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

How to find more affordable car insurance for high school students

The list below details some thrifty solutions that can help Oklahoma drivers locate more affordable coverage.

That last idea is extremely important, as was discussed in this article. Prices vary greatly, so drivers shouldn’t be resistant to buy from a different company if you can save money. Sticking with a specific company is fine, but it’s not recommended if that stubbornness costs you hundreds of dollars a year. Take a couple minutes and shop around and find cheaper car insurance for high school students in Tulsa.

The Tulsa car insurance agencies listed below can help you determine which coverages are best, since some drivers aren’t sure which coverage they need and prefer to get some guidance when trying to find lower insurance rates for high school students. It can be hard to find the best coverage on your own, so getting advice from a licensed agent can give comfort knowing your policy gives you adequate coverage if you have an accident or claim.

To find an agent closest to you, click the button after the list or click here to compare prices now.

Allstate Insurance: Rick Block
5420 S Harvard AveTulsa, OK 74135(918) 299-1222

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

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

More insurance agents in Tulsa, OK