I’m sure you’ve seen the captivating ads from insurers like State Farm and Farmers that make promises of huge savings, so you should just pick the one with the best commercial, right?
It’s just not that easy, however, as there are many unknown aspects like any driving violations you may have, the area you live in, whether or not your vehicle has good safety ratings, and what deductibles you want to use, that all influence how much you pay for auto insurance. This article will detail the types of things that cause high car insurance rates and will hopefully give the reader a jump start in finding the best auto insurance in Oklahoma.
Figuring out which company has the most affordable insurance rates for low mileage drivers calls for more work in order to find coverage that fits your budget. Every car insurance company uses a little different formula for establishing rates, so we’ll go over the insurance companies that tend to have lower prices in Tulsa.
Best Car Insurance Prices in Oklahoma
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Oklahoma Farmers Union | $1,154 |
| 2 | USAA | $1,196 |
| 3 | The Hartford | $1,373 |
| 4 | Safe Auto | $1,377 |
| 5 | GEICO | $1,381 |
| 6 | Farmers | $1,394 |
| 7 | State Farm | $1,536 |
| 8 | Liberty Mutual | $1,871 |
| 9 | Travelers | $1,906 |
| 10 | Mercury | $2,033 |
| 11 | OK Farm Bureau | $2,058 |
| 12 | Shelter | $2,108 |
| 13 | Home State | $2,193 |
| 14 | MetLife | $2,235 |
| 15 | Progressive | $2,245 |
| 16 | Allstate | $2,472 |
| 17 | Safeco | $5,005 |
| View More Rates Go | ||
Oklahoma Farmers Union may offer some of the lowest car insurance rates in Tulsa at around $1,154 a year. USAA, The Hartford, Safe Auto, and GEICO also are some of the more affordable Tulsa, OK car insurance companies.
In the rate table above, if you currently buy coverage from GEICO and switched to USAA, you may realize savings of about $185. Oklahoma drivers with Farmers may save as much as $198 a year, and State Farm policyholders might lower prices by up to $340 a year.
To find the cheapest coverage for you, click here to get a free quote or click through to the companies below.
Bear in mind that those policy prices are averages for all types of insureds and vehicles and do not factor in an exact location for low mileage drivers. So the insurer that is best for you may not even be in the list above. That point stresses why you need to get rate quotes from many companies using your own specific driver and vehicle information.
One of the many considerations that help determine insurance cost is where you keep your vehicle. Cities with more crime and/or more people tend to pay slightly more, whereas less populated areas have the benefit of cheaper car insurance.
The following table lists the most expensive cities in Oklahoma for low mileage drivers to purchase car insurance in. Tulsa makes the list at #2 having an annual price of $2,215 on average, which is about $185 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Sand Springs | $2,227 |
| 2 | Tulsa | $2,215 |
| 3 | Bixby | $2,213 |
| 4 | Oklahoma City | $2,199 |
| 5 | Midwest City | $2,184 |
| 6 | Sapulpa | $2,165 |
| 7 | Del City | $2,155 |
| 8 | Moore | $2,153 |
| 9 | Broken Arrow | $2,151 |
| 10 | Bethany | $2,135 |
| 11 | Owasso | $2,127 |
| 12 | Norman | $2,075 |
| 13 | Yukon | $2,055 |
| 14 | Shawnee | $2,048 |
| 15 | Claremore | $2,048 |
| 16 | Edmond | $2,042 |
| 17 | Bartlesville | $2,000 |
| 18 | Muskogee | $1,962 |
| 19 | Ponca City | $1,956 |
| 20 | Ardmore | $1,955 |
| 21 | Duncan | $1,942 |
| 22 | Lawton | $1,922 |
| 23 | Stillwater | $1,911 |
| 24 | Enid | $1,885 |
| 25 | Altus | $1,820 |
| Get a Custom Quote Go | ||
Premium costs are approximated as the specific area where the vehicle is garaged can revise coverage rates considerably.
The car, truck, or SUV driven is probably the most important factor in finding the most economical auto insurance for low mileage drivers. Vehicles with limited top-end speed, advanced safety features, or a low likelihood of liability claims will cost significantly less to insure than adrenaline junky models. The table below features coverage prices for a number of the most budget-friendly vehicles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 2WD | $1,112 |
| Toyota Prius | $1,206 |
| Honda CR-V LX 4WD | $1,227 |
| GMC Sierra SL Extended Cab 2WD | $1,289 |
| Jeep Grand Cherokee Laredo 2WD | $1,296 |
| Ford Focus SEL 4-Dr Sedan | $1,331 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,350 |
| Toyota Camry SE | $1,357 |
| Toyota Corolla LE | $1,364 |
| Hyundai Elantra SE 4-Dr Sedan | $1,357 |
| Honda Odyssey Touring | $1,380 |
| Ford Edge SE AWD | $1,383 |
| Ford Fusion S 4-Dr Sedan | $1,411 |
| Toyota RAV4 Limited 4WD | $1,420 |
| Ford F-150 Lariat Super Cab 2WD | $1,439 |
| Start a Quote Go | |
Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Information does not factor in specific garaging location which can raise or lower coverage prices greatly.
Looking at the numbers, we can tell that vehicles like the Ford Escape, Toyota Prius, Honda CR-V, GMC Sierra, and Jeep Grand Cherokee are most likely going to be the cheapest vehicles to insure for infrequent drivers.
Irresponsible driving raises your rates
The easiest method to earn affordable insurance prices in Oklahoma for infrequent drivers is to drive attentively and avoid at-fault accidents and violations. The example below shows how speeding tickets and at-fault accidents raise insurance costs for different age groups of insureds. The price estimates are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
In the example above, the average cost of an auto insurance policy in Tulsa per year with no accidents and a clean driving record is $2,815. Factor in one speeding ticket and the average cost surges to $3,175, an increase of $360 each year. Now add one accident along with the one speeding ticket and the yearly cost of insurance for low mileage drivers goes up to an average of $4,189. That’s an increase of $1,375, or $115 per month, just for not keeping your driving record clean!
Insuring your vehicle with the best car insurance company can be a challenge considering how many choices you have in Tulsa. The company rank data shown below may help you choose which auto insurance companies to look at purchasing from.
The ratings below include the companies with a significant amount of written premium nationwide, so companies that have a smaller presence are not factored into this list. To view rates and find the cheapest rates for low mileage drivers, click here.
Top 10 Large Car Insurance Companies in Tulsa Ranked by A.M. Best Rating
- Travelers – A++
- GEICO – A++
- State Farm – A++
- USAA – A++
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- The Hartford – A+
- Esurance – A+
- Progressive – A+
Top 10 Large Car Insurance Companies in Tulsa Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- Safeco Insurance
- AAA Insurance
- The Hartford
- Progressive
- 21st Century
- The General
- Esurance
If you aren’t sure which coverage to buy and prefer to have a consultation when comparing insurance rates for low mileage drivers, the insurance agencies below can help you decide which auto insurance policy would work best for you.
To find a Tulsa insurance agent close to you, click the button at the bottom or click here to compare prices now.
Jonathan Gibson – State Farm Insurance Agent
205 E Pine St #102 – Tulsa, OK 74106 – (918) 382-5717
Ed Martinez Jr – State Farm Insurance Agent
3125 S Yale Ave a – Tulsa, OK 74135 – (918) 742-3131
Charles G. Harris Insurance
4724 S Union Ave – Tulsa, OK 74107 – (918) 446-4421
View map of Tulsa, OK insurance agents
How to find cheaper car insurance for low mileage drivers
Below you’ll find some of the better penny-pinching ideas that can help you locate more affordable coverage.
- You will pay more if you get tickets or have at-fault accidents
- Buy your auto and home insurance from the same company and save
- Do not waste money insuring older vehicles for full coverage
- Do not get into accidents that are your fault
- Having too many claims will increase rates substantially
- Safer vehicles cost less to insure
- Keep rates low by shopping around frequently
The last item on the list is very vital, as we noted in this write-up. Car insurance prices vary considerably, so don’t hesitate to buy a different policy if a better rate can be found.
Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if your bullheadedness ends up costing you hundreds of dollars a year. Take a couple minutes and shop around and find cheaper auto insurance for low mileage drivers in Tulsa.