What Insurance is Cheapest with Multiple Speeding Tickets in Tulsa?

The words “low-cost” and “auto insurance” really shouldn’t be used together, especially when you are looking for the best car insurance with multiple speeding tickets. Let’s lead off by showing you some of the things that significantly impact auto insurance rates, and figure out some ideas to slash the price of the next policy you buy.

After a few driving violations, one of the big components that aid in calculating car insurance rates is where you normally keep your vehicle. More densely populated places are more likely to pay higher prices, whereas areas with less congestion tend to receive slightly lower rates.

The table below rates the highest-priced places in Oklahoma with multiple speeding tickets to purchase a policy in. Tulsa shows up at #1 with a yearly cost of $2,259 on average, which is about $188 monthly.

How much does auto insurance cost in Tulsa?
Rank City Annual Rate
1 Tulsa $2,259
2 Del City $2,243
3 Bixby $2,235
4 Broken Arrow $2,216
5 Midwest City $2,205
6 Bethany $2,201
7 Sapulpa $2,165
8 Sand Springs $2,161
9 Moore $2,153
10 Owasso $2,127
11 Oklahoma City $2,113
12 Norman $2,095
13 Yukon $2,076
14 Shawnee $2,048
15 Edmond $2,042
16 Claremore $1,987
17 Enid $1,961
18 Ponca City $1,956
19 Muskogee $1,943
20 Bartlesville $1,941
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Table data uses estimated as the specific geographic location can lower or raise auto insurance rates significantly.

The make and model of vehicle you are buying coverage for is one of the biggest factors when trying to find low-priced insurance with multiple speeding tickets. Vehicles with higher performance, poor safety ratings, or an increased likelihood of liability claims will cost much more to insure than safer models. The information below presents car insurance prices for some of the cheapest automobiles to insure in Oklahoma.

Cheapest Vehicles to Insure in Tulsa, OK
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape Limited 2WD $1,567
Honda CR-V EX-L 4WD $1,724
Toyota RAV4 Sport 4WD $1,813
Dodge Grand Caravan Crew $1,849
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,863
Toyota Prius $1,872
Ford Focus SEL 4-Dr Sedan $1,877
Toyota Corolla LE $1,912
Ford Edge Sport 2WD $1,921
Toyota Camry SE $1,912
Hyundai Elantra SE Touring Station Wagon $1,935
Volkswagen Jetta S 2.5 Station Wagon $1,941
Kia Optima LX $1,943
Chevrolet Equinox LTZ AWD $1,947
Ford F-150 Lariat King Ranch 4WD $1,980
Compare Cheap Rates Go

Data based on single female driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in specific Tulsa, OK garaging location which can modify premiums noticeably.

Looking at the data, makes and models like the Ford Escape, Honda CR-V, and Toyota RAV4 are going to be some of the most budget-friendly vehicles to insure after a few driving violations.

Difference between liability only and full coverage rates

Reducing premiums for car insurance is important to most drivers, and one of the easiest ways to buy cheap insurance with multiple speeding tickets is to only buy liability coverage. The illustration below visualizes the comparison of insurance prices when comparing full coverage to liability only. The premiums are based on no accidents, no driving violations, $1,000 deductibles, drivers are single, and no policy discounts are applied.

Averaged for all age groups, full coverage costs $2,033 per year more than just buying liability only. That amount may make you wonder if you should buy full coverage. There is no clear-cut rule of when to stop paying for physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

There are some circumstances where eliminating full coverage is not recommended. If you still have a lienholder on your title, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

The illustration below demonstrates how deductible levels can raise or lower insurance costs when getting quotes for cheap insurance with multiple speeding tickets. The data assumes a married male driver, full physical damage coverage, and no policy discounts are applied.

As shown above, a 50-year-old driver could lower their car insurance rates by $374 a year by changing from a $100 deductible to a $500 deductible, or save $566 by selecting a $1,000 deductible. Even younger insureds, such as the 20-year-old example, have the ability to save up to $1,248 each year just by choosing higher deductibles.

If you make the decision to raise deductibles, it will now be necessary to have emergency funds available to enable you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

Choosing a highly-rated insurance provider is difficult considering how many different insurance companies sell coverage in Oklahoma. The rank data in the next section could help you select which auto insurance companies you want to consider shopping prices with. The rankings below include large, nationwide insurance companies, so companies that focus mainly on Oklahoma business will not be included in these rankings.

Top 10 Large Auto Insurance Companies in Tulsa Ranked by A.M. Best Rating

  1. Travelers – A++
  2. GEICO – A++
  3. State Farm – A++
  4. USAA – A++
  5. Nationwide – A+
  6. Allstate – A+
  7. Mercury Insurance – A+
  8. The Hartford – A+
  9. Esurance – A+
  10. Progressive – A+

Top 10 Large Auto Insurance Companies Overall in Tulsa

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

If you aren’t sure which coverage to buy and prefer to get some professional input when trying to find lower insurance rates with multiple speeding tickets, the insurance agencies listed below can aid you in deciding which auto insurance coverages would be the best in your situation. To find an auto insurance agency close to where you live, click the button link following the list.

Find a Tulsa, OK insurance agent near you