Who Has Cheap Car Insurance Rates for Teachers in Tulsa?

For teachers and educators, one of the largest components that are looked at to determine car insurance rates is where you live in Tulsa. Larger areas tend to have higher rates, whereas less populated areas tend to receive slightly lower rates.

The information below rates the most costly cities in Oklahoma for teachers to purchase auto insurance in. Tulsa comes in at #3 with an annual premium of $2,215 for the average policyholder, which is about $185 each month.

How much does auto insurance cost in Tulsa?
Rank City Annual Premium
1 Del City $2,243
2 Bethany $2,223
3 Tulsa $2,215
4 Sand Springs $2,205
5 Broken Arrow $2,195
6 Bixby $2,169
7 Moore $2,153
8 Midwest City $2,119
9 Oklahoma City $2,113
10 Sapulpa $2,102
11 Owasso $2,085
12 Norman $2,075
13 Edmond $2,063
14 Claremore $2,048
15 Yukon $1,994
16 Bartlesville $1,981
17 Stillwater $1,970
18 Shawnee $1,968
19 Enid $1,961
20 Ponca City $1,898
21 Ardmore $1,898
22 Muskogee $1,886
23 Duncan $1,885
24 Lawton $1,884
25 Altus $1,876
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Premium amounts are estimated as the specific zip code location can decrease or increase insurance rates significantly.

The vehicle to be insured is probably the most important factor that determines if you can find the lowest-priced coverage for teachers. Vehicles with high performance, poor crash test ratings, or a history of substantial liability claims will cost substantially more to insure than more modest models. The next table showcases auto insurance premiums for some of the cheaper vehicles to insure.

Cheapest Vehicles to Insure in Tulsa, OK
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V LX 4WD $1,166
Ford Explorer Eddie Bauer 2WD $1,307
Honda Accord LX-P 4-Dr Sedan $1,314
Ford Escape XLT 2WD $1,322
Chevrolet Impala LS $1,358
Chevrolet Malibu LT $1,409
Toyota Prius $1,419
Hyundai Elantra GLS 4-Dr Sedan $1,456
Honda Odyssey EX-L W/Rear Entertainment $1,466
Ford Fusion Sport 4-Dr Sedan $1,482
Ford Edge SEL 2WD $1,485
Toyota Tacoma 4WD $1,495
Jeep Wrangler Sahara 4WD 2-Dr $1,485
Chevrolet Equinox LT AWD $1,514
Toyota RAV4 4WD $1,524
Kia Optima EX $1,580
Toyota Camry Hybrid $1,588
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Estimates do not factor in garaging location in Tulsa, OK which can revise price quotes considerably.

Based on these rates, models like the Honda CR-V, Ford Explorer, Honda Accord, Ford Escape, and Chevrolet Impala are most likely to be some of the most economical vehicles to insure for teachers and educators.

Deciding which companies offer the lowest-priced insurance rates for teachers will involve a tad more effort in order to find the best policy. Each auto insurer has a different process for determining rates in each state, so let’s rank the overall cheapest insurance companies in Tulsa, OK.

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Cheapest Oklahoma car insurance ranked by price
Rank Company Cost Per Year
1 USAA $1,150
2 Oklahoma Farmers Union $1,166
3 GEICO $1,340
4 The Hartford $1,359
5 Safe Auto $1,377
6 Farmers $1,380
7 State Farm $1,521
8 Travelers $1,849
9 Liberty Mutual $1,871
10 Mercury $1,973
11 OK Farm Bureau $2,079
12 Shelter $2,129
13 Home State $2,149
14 MetLife $2,169
15 Progressive $2,245
16 Allstate $2,400
17 Safeco $5,158
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USAA normally has some of the best car insurance rates in Tulsa at around $1,150 per year. Oklahoma Farmers Union, GEICO, The Hartford, and Safe Auto also qualify as some of the cheaper Tulsa, OK auto insurance companies.

In the rate table above, if you currently buy coverage from Oklahoma Farmers Union and switched to USAA, you might achieve an annual savings of upwards of $16. Insureds with GEICO may save as much as $190 a year, and The Hartford policyholders might realize rate reductions of up to $209 a year.

It’s important to note that these estimates are averages for all insureds and vehicles and do not take into consideration an exact location for teachers. So the auto insurance company that can offer you the best rate may not even be in the top 17 companies in the list above. That is why you need to get rate quotes using your own specific driver and vehicle information.

How violations and accidents impact rates

One of the best ways to score the cheapest insurance premiums in Tulsa for teachers and educators is to drive safe and avoid accidents and keep your driving record clean. The information below shows how traffic citations and at-fault accidents impact car insurance rates for different ages of insureds. The prices are based on a single female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.

The chart shows that the average cost of auto insurance per year with no accidents and a clean driving record is $2,676. Receive two speeding tickets and the average cost jumps to $3,585, an increase of $909 each year. Then throw in two accidents along with the two speeding tickets and the yearly cost of insurance for teachers increases to an average of $7,157. That’s an increase of $4,481, or $373 per month, just for being a less-than-perfect driver!

Choosing the best insurance company can be a challenge considering how many choices drivers have in Oklahoma. The rank data displayed below could help you analyze which companies to look at when trying find the best insurance for teachers.

The rankings below are only comprised of companies who write in the majority of U.S. states, so companies with more of a regional focus are not factored into this list. If you wish to compare prices and find cheaper insurance for teachers, simply click here.

Top 15 Insurance Companies for Teachers in Oklahoma
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
21st Century 86 82 90 84% A 86.4
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Data Source: Insure.com Best Car Insurance Companies

How to find more affordable car insurance for teachers

Here are some money-saving ideas that can help Oklahoma drivers get lower-cost coverage.

The last tip in the list is certainly critical, as we discussed in the prior information. Car insurance rates vary considerably, so don’t be unwilling to buy a different policy if a lower-cost policy is available. Many drivers have brand loyalty and that’s fine, but we do not recommend it if that dedication is costing lots of hard earned cash every month. It only take a few minutes to compare rates to find cheaper auto insurance for teachers in Tulsa.