Who Has the Cheapest Car Insurance Quotes for a 20 Year Old Female in Tulsa?

Buying low-cost car insurance is not easy, and finding out which companies quote the best insurance rates for 20 year old women may require even more rate comparisons.

Every car insurance company uses a little different formula for determining rates, so we’ll take a look at the most competitive insurance companies in Tulsa. It’s a good idea to know that Tulsa, OK insurance rates are influenced by many factors that will increase or decrease the price of your policy. Simply having a birthday, increasing liability limits, or getting a reckless driving citation may generate price changes that can now make some companies more expensive than competitors.

Best Insurance Companies for Women Age 20

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Cheapest Oklahoma car insurance ranked by price
Rank Company Cost Per Year
1 Oklahoma Farmers Union $1,154
2 USAA $1,161
3 The Hartford $1,333
4 Safe Auto $1,377
5 Farmers $1,394
6 GEICO $1,394
7 State Farm $1,583
8 Liberty Mutual $1,852
9 Travelers $1,925
10 Mercury $1,993
11 OK Farm Bureau $2,018
12 MetLife $2,147
13 Home State $2,149
14 Shelter $2,173
15 Progressive $2,245
16 Allstate $2,400
17 Safeco $5,005
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Oklahoma Farmers Union generally has some of the lowest car insurance rates in Tulsa at around $1,154 annually. USAA, The Hartford, Safe Auto, and Farmers also make the cut as some of the cheapest Tulsa, OK auto insurance companies.

As shown above, if you have coverage with Farmers and switched to USAA, you might see yearly savings of around $233. Customers with GEICO might save as much as $233 a year, and State Farm customers might realize rate reductions of up to $422 a year.

Bear in mind that those policy prices are averaged across all drivers and vehicles and and are not figured with an exact zip code location for 20 year old women. So the auto insurance company that fits you best may not even be in the top 17 companies in the list above. That is why you need to compare rates from multiple companies using your own driver data and vehicle information.

The type of vehicle you are trying to insure is a large factor that determines whether or not you find the most economical coverage for 20 year old women. Vehicles with lots of horsepower, poor safety features, or a track record of large liability claims will cost much more to insure than more modest models. The list below showcases car insurance premiums for a handful of the most affordable automobiles to buy coverage for.

Cheapest Vehicles to Insure in Tulsa, OK
Insured Vehicle Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $2,688
Honda CR-V EX-L 4WD $2,728
Ford Escape XLT 4WD $2,734
Toyota Prius $2,939
Ford Explorer XLT 4WD $3,017
Volkswagen Jetta SE 2.5 Station Wagon $3,112
Ford Edge Limited 2WD $3,147
Chevrolet Equinox LT AWD $3,187
Chevrolet Malibu LS $3,197
Chevrolet Impala LT $3,187
Toyota Camry LE $3,193
Toyota RAV4 2WD $3,187
Ford F-150 FX4 Super Cab 4WD $3,227
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $3,237
Dodge Grand Caravan Crew $3,227
Dodge Ram 3500 Crew Cab Laramie 2WD $3,232
Dodge Ram Quad Cab ST 2WD $3,263
Ford Focus SES 4-Dr Sedan $3,320
Hyundai Elantra Blue 4-Dr Sedan $3,325
Honda Civic LX-S 4-Dr Sedan $3,320
Toyota Corolla LE $3,360
Honda Odyssey EX-L W/Navigation $3,370
Jeep Grand Cherokee Limited 2WD $3,400
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Data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in zip code location which can increase or decrease insurance rates greatly.

Looking at the numbers, you can see that vehicles like the Honda Accord, Honda CR-V, and Ford Escape are going to be the cheaper vehicles to insure for young women. The cost of auto insurance will tend to be more expensive anyway just due to the fact that there is more exposure for 20 year old women, but in general those models will have the least expensive rates compared to other vehicles.

The example below illustrates how your choice of deductibles can influence insurance costs when getting quotes for cheap insurance for 20 year old women. The premium estimates are based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.

In the chart above, a 30-year-old driver could save $406 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $616 by choosing a $1,000 deductible. Youthful drivers, such as the 20-year-old example, have the ability to save as much as $902 every year by choosing a larger deductible amount. When choosing a higher deductible, it is necessary to have enough savings to offset the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Tickets and at-fault accidents raise rates

The recommended way to maintain low insurance prices for young women is to be a cautious driver and avoid accidents and violations. The chart below shows how traffic citations and at-fault accidents influence auto insurance costs for different insured age categories. Data assumes a single female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

In the prior example, the average cost of an auto insurance policy in Tulsa per year with a clean driving record and no accidents is $2,389. Receive two speeding tickets and the average cost jumps to $3,186, an increase of $797 each year. Now include two accidents along with the two speeding tickets and the yearly cost of insurance for 20 year old women goes up to an average of $6,535. That’s an increase of $4,146, or $346 per month, just for a couple of infractions!

What is the best insurance company in Oklahoma?

Buying coverage from the highest-rated insurance provider can be challenging considering how many companies sell insurance in Tulsa. The company information shown below can help you analyze which car insurance companies to look at when comparing insurance rates for 20 year old women.

The rankings below are only comprised of large, nationwide insurance companies, so companies without a large exposure are not taken into consideration for these rankings. To compare price quotes from the most competitive companies in Oklahoma, click here.

Best 15 Insurance Companies for a 20 Year Old Female in Tulsa
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