Who Has the Cheapest Car Insurance for High Risk Drivers in Tulsa?

One of the more important things that are looked at to help calculate the amount you pay each year for auto insurance is where you keep your vehicle in Tulsa. Areas with high crime rates or more dense population tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the enjoyment of a little cheaper coverage.

The information below shows the highest-priced places in Oklahoma for high risk drivers to purchase car insurance in. Tulsa makes the list at #1 with the yearly price of $2,282 on average, which is about $190 monthly.

Car insurance prices in Tulsa
Rank City Annual Rate
1 Tulsa $2,282
2 Del City $2,243
3 Sand Springs $2,227
4 Bethany $2,223
5 Bixby $2,213
6 Broken Arrow $2,195
7 Owasso $2,148
8 Midwest City $2,140
9 Edmond $2,126
10 Oklahoma City $2,113
11 Norman $2,095
12 Sapulpa $2,081
13 Claremore $2,069
14 Moore $2,069
15 Yukon $2,055
16 Bartlesville $1,981
17 Ponca City $1,976
18 Shawnee $1,968
19 Muskogee $1,962
20 Enid $1,961
21 Ardmore $1,955
22 Duncan $1,942
23 Stillwater $1,931
24 Altus $1,876
25 Lawton $1,865
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Premium costs are comparative as specific Tulsa garaging address can alter auto insurance rates significantly.

Finding cheap car insurance is not the easiest thing to do, and finding out which company offers the cheapest auto insurance rates for high risk drivers calls for additional perseverance. Each auto insurer has their own formula for setting prices, so let’s rank the most affordable auto insurance companies in Oklahoma.

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Cheapest Oklahoma auto insurance companies
Rank Company Cost Per Year
1 Oklahoma Farmers Union $1,166
2 USAA $1,185
3 The Hartford $1,319
4 Safe Auto $1,363
5 GEICO $1,381
6 Farmers $1,394
7 State Farm $1,568
8 Liberty Mutual $1,852
9 Travelers $1,925
10 Mercury $1,993
11 OK Farm Bureau $1,997
12 Progressive $2,157
13 MetLife $2,169
14 Shelter $2,173
15 Home State $2,193
16 Allstate $2,400
17 Safeco $5,209
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Oklahoma Farmers Union may have some of the best car insurance rates in Tulsa at around $1,166 a year. This is $801 less than the average policy premium paid by Oklahoma drivers of $1,967. USAA, The Hartford, Safe Auto, and GEICO would also be considered some of the lowest-priced Tulsa, OK car insurance companies.

As the rates illustrate above, if you are a customer of GEICO and switched to USAA, you may realize savings of in the neighborhood of $196. Policyholders with Farmers might save as much as $209 a year, and State Farm policyholders might reduce prices by as much as $383 a year.

To find the cheapest coverage for you, click here to start a quote or visit any of the low-priced companies below.

These premiums are averages across all drivers and vehicles in Oklahoma and and are not figured with a specific vehicle garaging location for high risk drivers. So the car insurance company that can offer you the lowest price may not even be in the list above. That helps illustrate why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.

Choosing the highest-rated insurance company can be challenging considering how many companies there are to choose from in Oklahoma. The information displayed below could help you pick which auto insurers you want to consider comparing prices from.

The rankings below are only made up of companies that insure vehicles across America, so companies that have a smaller presence are not taken into consideration for the list. To check rates from the insurers below and more, follow this link.

Top Auto Insurance Companies for High Risk Drivers in Tulsa, OK
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
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

Get discounts on Tulsa auto insurance

Save on auto insurance for high risk drivers in TulsaCar insurance companies that offer quotes for high risk drivers may have price discounts that may potentially lower prices by as much as 30% if you are eligible for them. Large auto insurance companies and some of their more popular discounts can be read below.

The diagram below illustrates the comparison of car insurance costs with and without discounts being applied to the rates. The rate quotes are based on a male driver, two accidents and two traffic tickets, Oklahoma state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with homeowner, multiple vehicle, vehicle safety, multiple policy, passive restraint, and continuous coverage discounts applied. When discounts are applied, theaverage yearly reduction on auto insurance for high risk drivers is 29% or $1,691.

Drive safe and save

In a perfect world, the ideal way to snag low auto insurance rates for high risk drivers is to drive attentively and avoid accidents and violations. The information below shows how speeding tickets and at-fault accidents can drive up insurance premiums for different age groups of insureds. The data assumes a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

In the prior example, the average cost of a car insurance policy in Oklahoma per year with no violations or accidents is $1,621. Factor in one speeding ticket and the average cost surges to $1,890, an increase of $269 each year. Now add one accident along with the one speeding ticket and the 12-month cost of auto insurance for high risk drivers increases to an average of $2,636. That’s an increase of $1,015, or $85 per month, just for not driving carefully!

How to find low-cost car insurance for high risk drivers

Lowering your rates is not difficult, and here are some of the better money-saving ideas that can help drivers quote more affordable coverage.

The last item on the list is highly important, as was affirmed in the prior information. Rates in Tulsa adjust frequently, so drivers shouldn’t be resistant to switch carriers if a more affordable rate is found. Brand loyalty is not necessarily bad, but we do not recommend it if that inflexibility results in costing you hundreds of dollars a year. Now is a great time to shop around and find cheaper auto insurance for high risk drivers.

If you aren’t clear which coverage you need and would like to get some professional input when shopping around for cheaper insurance for high risk drivers, the agencies below can provide answers to your questions and help you determine which car insurance company is the best fit. To find a Tulsa insurance agency closest to you, click the link after the list.

Velta Augusta – State Farm Insurance Agent
8929 S Memorial Dr #190Tulsa, OK 74133(918) 254-1959

Louis Blosch Agency
9726 E 42nd St #210Tulsa, OK 74146(918) 664-7100

Rooney Insurance Agency, Inc.
4700 S Garnett Rd #200Tulsa, OK 74146(918) 582-0565

Sawyer-Phillips and Associates, Inc.
6666 S Sheridan Rd #220Tulsa, OK 74133(918) 794-4000

GEICO Insurance Agent
8353 S Memorial DrTulsa, OK 74133(918) 384-0707

More insurance agents in Tulsa, OK