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.
| 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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| 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.
| 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
Car 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.
- Farm Bureau policyholders can earn discounts including 55 and retired, renewal discount, safe driver, youthful driver, and multi-vehicle.
- MetLife may offer discounts for claim-free, good driver, accident-free, defensive driver, and good student.
- Progressive offers discounts including online quote discount, good student, multi-vehicle, multi-policy, online signing, homeowner, and continuous coverage.
- AAA offers discounts for good driver, good student, AAA membership discount, multi-car, pay-in-full, anti-theft, and multi-policy.
- American Family has discounts for early bird, accident-free, air bags, mySafetyValet, bundled insurance, good driver, and multi-vehicle.
- GEICO discounts include air bags, military active duty, driver training, good student, and defensive driver.
- State Farm includes discounts for safe vehicle, Drive Safe & Save, good driver, multiple autos, defensive driving training, and accident-free.
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.
- Avoid at-fault accidents and claims
- Increase deductibles to save money
- If your vehicles are older, consider dropping full coverage
- Pay for small claims rather than turning them in to your insurance company
- Do not get tickets
- Shop around once a year for cheaper rates
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 #190 – Tulsa, OK 74133 – (918) 254-1959
Louis Blosch Agency
9726 E 42nd St #210 – Tulsa, OK 74146 – (918) 664-7100
Rooney Insurance Agency, Inc.
4700 S Garnett Rd #200 – Tulsa, OK 74146 – (918) 582-0565
Sawyer-Phillips and Associates, Inc.
6666 S Sheridan Rd #220 – Tulsa, OK 74133 – (918) 794-4000
GEICO Insurance Agent
8353 S Memorial Dr – Tulsa, OK 74133 – (918) 384-0707