Who Has the Cheapest Car Insurance Quotes for Immigrants in Tulsa?

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.

Cheapest Vehicles to Insure in Tulsa, OK
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $1,095
Toyota Prius $1,211
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
Compare Cheap Rates Go

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.

How much does car insurance cost in Tulsa, OK?
Rank City Annual Rate
1 Tulsa $2,282
2 Bixby $2,235
3 Sand Springs $2,227
4 Del City $2,221
5 Broken Arrow $2,216
6 Bethany $2,201
7 Midwest City $2,184
8 Owasso $2,148
9 Sapulpa $2,144
10 Oklahoma City $2,134
11 Edmond $2,105
12 Moore $2,090
13 Yukon $2,055
14 Shawnee $2,028
15 Norman $2,013
16 Claremore $2,008
17 Bartlesville $2,000
18 Ponca City $1,976
19 Stillwater $1,970
20 Muskogee $1,962
21 Enid $1,961
22 Duncan $1,942
23 Ardmore $1,898
24 Lawton $1,865
25 Altus $1,838
Compare Prices Now Go

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

Compare Rates Now

What’s the cheapest car insurance in Oklahoma?
Rank Company Cost Per Year
1 USAA $1,161
2 Oklahoma Farmers Union $1,202
3 GEICO $1,353
4 Safe Auto $1,363
5 The Hartford $1,373
6 Farmers $1,380
7 State Farm $1,583
8 Liberty Mutual $1,816
9 Travelers $1,849
10 Mercury $1,973
11 OK Farm Bureau $2,079
12 Shelter $2,129
13 Progressive $2,157
14 Home State $2,193
15 MetLife $2,235
16 Allstate $2,400
17 Safeco $5,005
Quote Your Rates Go

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

Discounts on car insurance for immigrantsCar 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.

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 PlTulsa, OK 74115(918) 836-5551

Beverly Young – State Farm Insurance Agent
7112 S Mingo Rd #102bTulsa, OK 74133(918) 250-1550

Brian Cannon – State Farm Insurance Agent
11320 E 32nd StTulsa, OK 74146(918) 627-0977

More Tulsa, OK insurance agents