One of the many criteria that aid in calculating the amount you pay each year for auto insurance is your address in Tulsa. Areas with high crime rates or more dense population are more likely to have higher rates, whereas areas with less congestion have the luxury of lower rates.
The table below sorts the most expensive cities in Oklahoma for uninsured drivers in which to purchase auto insurance. Tulsa makes the list at #1 with the annual price of $2,282 for the average policy, which is around $190 each month.
|Rank||City||Premium Per Year|
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Rates are approximated as the vehicle garaging location can raise or lower premium rates noticeably.
The type of vehicle you are trying to insure is one of the primary factors when shopping for the best insurance for uninsured drivers. Vehicles with high performance, a lack of advanced safety features, or a track record of large liability claims will cost quite a bit more to insure than safer, lower-performance models.
The next list outlines coverage prices for a selection of the cheapest vehicles to buy coverage for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$1,096|
|Honda CR-V EX 2WD||$1,123|
|Honda Civic DX 4-Dr Sedan||$1,162|
|Chevrolet Impala LS||$1,168|
|Volkswagen Jetta S 2.5 Station Wagon||$1,192|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$1,199|
|Dodge Grand Caravan Crew||$1,211|
|Hyundai Elantra GLS 4-Dr Sedan||$1,251|
|Ford Edge SEL 2WD||$1,265|
|Hyundai Sonata GLS 4-Dr Sedan||$1,270|
|Toyota Tacoma Double Cab 4WD||$1,295|
|GMC Sierra SL Extended Cab 2WD||$1,301|
|Ford F-350 XL Crew Cab Cabela Package 2WD||$1,299|
|Ford F-150 Lariat Super Cab 2WD||$1,321|
|Toyota RAV4 4WD||$1,326|
|Chevrolet Malibu LS||$1,331|
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Price information does not factor in vehicle location which can revise coverage rates substantially.
Based upon the rates shown, we can assume that vehicles like the Ford Escape, Honda CR-V, and Honda Civic are some of the more affordable vehicles to insure for drivers with no prior coverage.
Deciding which companies quote the cheapest auto insurance rates for uninsured drivers may require a tad more effort in order to find the best price. Each insurance company has their own guidelines to determine premium rates, so let’s take a look at the lowest cost auto insurance companies in Tulsa.
Best Cheap Insurance Rates in Oklahoma
|Rank||Company||Cost Per Year|
|2||Oklahoma Farmers Union||$1,202|
|10||OK Farm Bureau||$2,018|
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USAA may have some of the lowest car insurance rates in Tulsa at around $1,150 a year. This is $817 less than the average premium paid by Oklahoma drivers of $1,967. Oklahoma Farmers Union, The Hartford, GEICO, and Safe Auto would also make the list of some of the more affordable Tulsa, OK auto insurance companies.
As shown in the rates above, if you currently have a policy with Oklahoma Farmers Union and switched to USAA, you may realize an annual savings of around $52. Policyholders with The Hartford might save as much as $169 a year, and GEICO customers might lower prices by up to $203 a year.
Be aware that those rates are averages for all types of insureds and vehicles and are not factoring in a vehicle location for uninsured drivers. So the auto insurance company that fits your needs best may not even be in the list above. That underscores the importance of why you need to compare as many prices as possible using your own driver data and vehicle information.
Does full coverage make sense?
Saving money on auto insurance is important to most drivers, and one great way to find cheap insurance for uninsured drivers is to not buy comprehensive and collision coverage. The information below illustrates the comparison of auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Oklahoma. The rates are based on no claims, a clean driving record, $250 deductibles, drivers are single, and no policy discounts are applied.
If averaged for all ages, physical damage coverage costs an additional $3,141 per year more than just buying liability only. At some point, about every driver wonders if you should buy full coverage. There is no clear-cut formula that is best for determining when to drop full coverage, but there is a general school of thought. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
Ending up with the right company is hard considering how many choices you have in Tulsa. The company ratings listed below may help you decide which companies you want to consider purchasing from. These ratings only include companies that write coverage in many states, so companies that only write business in Oklahoma or surrounding areas are not taken into consideration for this list.
Top 10 Large Auto Insurance Companies Overall in Tulsa
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
Get discounts on Tulsa auto insurance rates
Car insurance companies that provide policies for uninsured drivers may provide special discounts that could potentially reduce rates by 30% or more if you can meet the requirements. Popular auto insurance companies and a partial list of their discounts include:
- Progressive includes discounts for multi-vehicle, homeowner, good student, online quote discount, continuous coverage, and multi-policy.
- AAA offers premium reductions for multi-policy, education and occupation, pay-in-full, multi-car, good student, good driver, and anti-theft.
- Farmers Insurance policyholders can earn discounts including alternative fuel, multi-car, distant student, early shopping, electronic funds transfer, and mature driver.
- GEICO may offer discounts for defensive driver, good student, military active duty, membership and employees, multi-vehicle, and daytime running lights.
- Esurance discounts include homeowner, safety device, multi-car, good student, online shopper, and online quote.
- SAFECO has savings for homeowner, bundle discounts, multi-car, teen safe driver, and teen safety rewards.
- State Farm has discounts for accident-free, good student, defensive driving training, multiple policy, multiple autos, safe vehicle, and Drive Safe & Save.
The chart below illustrates the difference between car insurance costs with and without policy discounts. The rates are based on a male driver, a clean driving record, no at-fault accidents, Oklahoma state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple vehicle, accident-free, marriage, vehicle safety, safe-driver, and defensive driving course discounts applied. When drivers take advantage of discounts, theamount saved on auto insurance for uninsured drivers is 28% or $710.
How to find more affordable car insurance for uninsured drivers
The list below shows some of the better penny-pinching suggestions that can help Oklahoma drivers buy lower-cost car insurance.
- Violations like speeding or DUI increase rates
- Safe vehicles cost less to insure
- Prevent price hikes by avoiding at-fault accidents
- Pay cheaper rates with good credit scores
- Try to pay small claims out-of-pocket
- Comparison shop at least once a year
The final tip is extraordinarily valuable, as we pointed out in the prior article. Auto insurance rates in Tulsa go up and down frequently, so don’t be afraid to switch carriers if a lower price can be found. Many consumers stick with the same company and that’s fine, but it’s not a good idea if that inflexibility results in costing you a considerable chunk of change every month. If you have a few minutes, now is a great time to compare prices and find cheaper insurance for uninsured drivers.
If you aren’t clear which coverage you need and would like to have some advice when comparing insurance rates for uninsured drivers, the insurance agencies listed below can aid you in deciding which car insurance policy is best.
To find a Tulsa insurance agency close to where you live, click the button below the list.
Ken Shoemaker – State Farm Insurance Agent
10115 S Sheridan Rd d – Tulsa, OK 74133 – (918) 299-9995
George Hazlett – State Farm Insurance Agent
6043 S Sheridan Rd – Tulsa, OK 74145 – (918) 496-0513
1825 S Garnett Rd – Tulsa, OK 74128 – (918) 234-0022
6373 E 31st St A – Tulsa, OK 74135 – (918) 270-2220
Jimmie A Neely Insurance
4444 E 66th St – Tulsa, OK 74136 – (918) 494-0600