Who Has the Cheapest Tulsa Car Insurance Rates for Postal Workers?

For postal employees, one of the more important considerations that determine the amount you pay each year for auto insurance is where your car is garaged in Tulsa. Areas with more people or more claims tend to have more expensive car insurance rates, whereas less populated areas have the gratification of cheaper auto insurance rates.

The information below shows the most expensive cities in Oklahoma for postal workers to purchase car insurance in. Tulsa ranks #2 costing $2,215 for coverage, which is around $185 per month.

How much is car insurance in Tulsa?
Rank City Annual Rate
1 Bixby $2,235
2 Tulsa $2,215
3 Bethany $2,201
4 Sapulpa $2,165
5 Sand Springs $2,161
6 Del City $2,155
7 Moore $2,153
8 Midwest City $2,140
9 Oklahoma City $2,134
10 Broken Arrow $2,130
11 Owasso $2,127
12 Norman $2,095
13 Yukon $2,055
14 Shawnee $2,048
15 Edmond $2,042
16 Stillwater $1,989
17 Claremore $1,987
18 Enid $1,961
19 Ardmore $1,955
20 Bartlesville $1,941
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Premium amounts are approximated as the specific garaging location can change price quotes substantially.

Establishing which companies have the cheapest insurance rates for postal workers takes a little more work than just quoting one company’s rates. Each company uses different criteria for setting rates, so we’ll take a look at the most competitive insurance companies in Tulsa.

It’s important to know that Tulsa, OK insurance rates are impacted by many factors which can significantly increase or decrease the policy price. Simply having another birthday, moving to a new city, or getting a DUI can trigger price changes that can make some companies cheaper than competitors.

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Cheapest auto insurance in Oklahoma ranked by cost per year
Rank Company Cost Per Year
1 Oklahoma Farmers Union $1,154
2 USAA $1,161
3 The Hartford $1,359
4 Safe Auto $1,363
5 Farmers $1,394
6 GEICO $1,394
7 State Farm $1,521
8 Liberty Mutual $1,871
9 Travelers $1,925
10 OK Farm Bureau $1,997
11 Mercury $2,033
12 Shelter $2,129
13 MetLife $2,147
14 Home State $2,149
15 Progressive $2,157
16 Allstate $2,400
17 Safeco $5,056
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Oklahoma Farmers Union offers some of the lowest car insurance rates in Tulsa at around $1,154 each year. USAA, The Hartford, Safe Auto, and Farmers also rank well as some of the lowest-priced Tulsa, OK auto insurance companies.

As illustrated above, if you currently buy coverage from Farmers and switched to USAA, you could see an annual premium reduction of in the neighborhood of $233. Oklahoma drivers with GEICO might save as much as $233 a year, and State Farm insureds might cut rates by $360 a year.

Be aware that those policy rates are averages for all drivers and vehicles and do not take into consideration a specific vehicle garaging location for postal workers. So the auto insurance company that has the cheapest price for you may not even be in the list above. That is why you need to compare as many prices as possible using your own specific driver and vehicle information.

Discount Tulsa car insurance rates

Cheaper Tulsa, OK insurance for postal employeesInsurance providers that provide policies for postal workers may also offer rate discounts that can reduce rates by as much as 40% or more if you can meet the requirements. Larger insurance companies and some of the discounts can be found below.

The chart below shows the difference between insurance rates with and without discounts applied. Data assumes a female driver, no claims or driving citations, Oklahoma state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple policy, claim-free, vehicle safety, accident-free, defensive driving course, and passive restraint discounts applied. When these discounts are applied, the average amount saved each year on insurance for postal workers is 28% or $672.

Finding the top company can be a challenge considering how many choices there are in Oklahoma. The ranking information shown below can help you analyze which auto insurers you want to consider comparing rates from. The rankings below are for large insurance companies, so smaller companies that only insure vehicles in Oklahoma are not included in this list.

Top 10 Major Auto Insurance Providers in Tulsa Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. Safeco Insurance
  5. Nationwide
  6. AAA Insurance
  7. State Farm
  8. Progressive
  9. The Hartford
  10. The General

Top 10 Major Auto Insurance Providers in Tulsa Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. Safeco Insurance
  5. AAA Insurance
  6. The Hartford
  7. Progressive
  8. 21st Century
  9. The General
  10. Esurance

Illustration showing the impact of accidents and violations

A great way to get cheap insurance rates in Oklahoma for postal employees is to be a good driver and avoid at-fault accidents and violations. The information below illustrates how speeding tickets and at-fault fender-benders can increase annual premium costs for each age group. The rates are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

In the chart above, the average cost of car insurance per year with a clean driving record and no accidents is $2,389. Get two speeding tickets and the average cost swells to $3,186, an increase of $797 each year. Now throw in two accidents along with the two speeding tickets and the 12-month cost of insurance for postal workers increases to an average of $6,535. That’s an increase of $4,146, or $346 per month, just for not being more responsible behind the wheel!