It’s hard to miss the ads from auto insurance companies like GEICO and Liberty Mutual promising enormous savings, so you should just select the one with the best jingle, right?
Unfortunately, it’s not that simple as there are a whole bunch of unknown aspects like your financial responsibility, how many years you have been driving, if you are currently insured, and if you own your own home, that all have an effect on the price. We will try to teach you about these topics and educate you enough to have a good start in finding the cheapest car insurance in Tulsa.
The type of vehicle you are trying to insure is one of the largest considerations when shopping around for the most economical coverage for immigrants. Vehicles with higher performance characteristics, a lack of safety features, or a high likelihood of having liability claims will cost more to insure than more economical and safe models.
The data below ranks coverage costs for a handful of the cheaper vehicles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$1,095|
|Honda Accord EX 4-Dr Sedan||$1,254|
|Ford Fusion S 4-Dr Sedan||$1,292|
|Dodge Grand Caravan SXT||$1,318|
|Toyota Corolla LE||$1,361|
|Hyundai Elantra GLS 4-Dr Sedan||$1,371|
|Ford Escape Limited 2WD||$1,373|
|Jeep Grand Cherokee SRT-8 4WD||$1,387|
|Jeep Wrangler Rubicon 4WD 2-Dr||$1,406|
|Ford Edge SE AWD||$1,456|
|Honda Odyssey EX||$1,461|
|Kia Optima SX||$1,482|
|Toyota RAV4 Sport 2WD||$1,485|
|Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD||$1,504|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$1,513|
|Ford Explorer Eddie Bauer 4WD||$1,518|
|Ford Focus SEL 4-Dr Sedan||$1,532|
|Chevrolet Silverado 2500HD LT Crew Cab 2WD||$1,549|
|GMC Sierra 2500HD SLE Extended Cab 4WD||$1,589|
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rates do not factor in specific zip code location which can impact price quotes noticeably.
Based upon the rates shown, we can conclude that vehicles like the Honda CR-V, Toyota Prius, Honda Accord, and Ford Fusion are some of the most affordable vehicles to insure for foreigners.
For foreigners, one of the largest considerations that determine the amount you pay for auto insurance is your address. More densely populated places are more likely to pay higher prices, whereas areas with less people or fewer weather incidents have the enjoyment of a little cheaper coverage.
The next table shows the most expensive areas in Oklahoma for immigrants to purchase auto insurance in. Tulsa is ranked #1 with the annual price of $2,282 for the average policy, which is about $190 each month.
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Annual rates are comparative as vehicle location can impact rates significantly.
Figuring out which companies have the lowest-priced car insurance rates for immigrants takes a little more effort than just quoting one company’s rates. Each company has a different formula to determine premium rates, so we’ll go over the lowest cost car insurance companies in Tulsa.
It’s important that readers know that Tulsa, OK car insurance rates are impacted by many factors that may substantially change the cost of coverage. Simply turning a year older, filing a claim, or getting a DUI can trigger rate changes that can now make some companies cheaper than competitors.
Find Cheaper Car Insurance for Migrants
|Rank||Company||Cost Per Year|
|2||Oklahoma Farmers Union||$1,202|
|11||OK Farm Bureau||$2,079|
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USAA has some of the best car insurance rates in Tulsa at around $1,161 annually. This is $806 less than the average rate paid by Oklahoma drivers of $1,967. Oklahoma Farmers Union, GEICO, Safe Auto, and The Hartford would also make the list of some of the lowest-priced Tulsa, OK car insurance companies.
As shown in the rates above, if you buy coverage from Oklahoma Farmers Union and switched to USAA, you may realize an annual premium reduction of around $41. Insureds with GEICO could save as much as $192 a year, and Safe Auto customers might see rate reductions of $202 a year.
To see if your current coverage is too expensive, click here to start your free quote or quote prices from the following companies.
Understand that those policy rates are averages across all drivers and vehicles in Oklahoma and do not factor in an exact location for immigrants. So the company that is best suited for you may not even be in the top 17 companies shown above. That underscores the importance of why you need to compare rates from multiple companies using your own driver and vehicle profiles.
How much more does full coverage cost in Tulsa?
Saving on car insurance is probably important to most vehicle owners, and one great way to lower the cost of insurance for immigrants is to only pay for liability coverage. The diagram below compares auto insurance costs with and without full coverage. The information is based on no claims, a clean driving record, $1,000 deductibles, drivers are not married, and no discounts are factored in.
If we average the cost for ages 20 through 70, full coverage on your policy costs $2,504 per year more than just insuring for liability. That is a significant amount which raises the question if full coverage is worth the money. There is no set rule for phasing out physical damage insurance, but there is a general school of thought. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
How to get discounts on Tulsa auto insurance
Car insurance companies that provide policies for immigrants may also provide rate discounts that may potentially lower prices by as much as 40% or more if you meet specific eligibility requirements. A few of the larger companies and their offered discounts can be found below.
- GEICO policyholders can earn discounts including five-year accident-free, daytime running lights, defensive driver, seat belt use, military active duty, and anti-theft.
- MetLife offers discounts for defensive driver, good driver, claim-free, good student, accident-free, and multi-policy.
- State Farm discounts include driver’s education, good student, multiple policy, passive restraint, defensive driving training, anti-theft, and accident-free.
- Progressive has savings for multi-policy, good student, multi-vehicle, continuous coverage, online signing, and homeowner.
- Mercury Insurance offers premium reductions for low natural disaster claims, multi-policy, type of vehicle, annual mileage, and good student.
- 21st Century may have discounts that include teen driver, student driver, automatic seat belts, defensive driver, theft prevention, homeowners, and early bird.
- Allstate includes discounts for farm vehicle, resident student, teenSMART discount, good payer, economy car, and anti-lock brakes.
The chart below illustrates the comparison of premium costs with and without some available policy discounts. The rates are based on a female driver, no violations or accidents, Oklahoma state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple vehicle, anti-theft, passive restraint, accident-free, defensive driving course, and homeowner discounts applied. When drivers qualify for the discounts, theamount saved on car insurance for immigrants is 28% or $558.
Comparing rates can save you money
Tulsa car insurance rates are determined by lots of factors which can substantially change the price of your policy. Improving your credit score, having a teen driver, or getting a driving violation may generate price changes that can now make some companies more affordable than others.
Not only may your situation change, but insurance companies change the rates they charge in Oklahoma as needed in order to remain profitable. Higher than normal claims may result in more expensive prices, while long-term profits can result in cheaper Tulsa car insurance rates.
The data below analyzes the cheapest car insurance in Tulsa, OK for a 35-year-old male driver with no prior claims, no tickets, and a decent credit rating. If we compare prices based on his current rating profile, USAA has the lowest car insurance rates in Tulsa at $1,365 per year. This is $602 less than the average policy premium paid by Oklahoma drivers of $1,967. Oklahoma Farmers Union, GEICO, The Hartford, and Safe Auto are also included in the top five cheapest Tulsa, OK auto insurance companies.
The example below compares rates after we give the driver from above a claim, a little lower credit rating, and an imperfect driving record. Because each insurer uses their own method to set policy rates, comparing insurance quotes could result in a different list of affordable companies as shown below.
State Farm now has the lowest price in Tulsa with Oklahoma Farmers Union, GEICO, Liberty Mutual, and Travelers also being competitive. This illustrates why it is critical to compare rates to find the most affordable auto insurance quotes for immigrants. Car insurance prices can be altered by many things and can change without notice, so the cheapest rate six months ago may now be one of the more expensive options.
The Tulsa auto insurance agencies shown below can most likely answer your questions and help you decide which insurance coverage you need, as many consumers aren’t sure which coverage to buy and prefer to get some guidance when trying to find the best insurance rates for immigrants. It can be hard to do it yourself, and getting advice from a licensed Oklahoma insurance agent can give you peace of mind knowing you have enough coverage when you need it. To locate an agency nearest to you, click the link after the list.
Admiral Insurance Agency
6710 E Admiral Pl – Tulsa, OK 74115 – (918) 836-5551
Beverly Young – State Farm Insurance Agent
7112 S Mingo Rd #102b – Tulsa, OK 74133 – (918) 250-1550
Brian Cannon – State Farm Insurance Agent
11320 E 32nd St – Tulsa, OK 74146 – (918) 627-0977