Who Has the Cheapest Tulsa Car Insurance Rates for Teenage Females?

The words “low-cost” and “insurance” really shouldn’t be used in the same sentence, especially when you are looking for the lowest insurance rates for teenage females. To save some money, let’s get started by showing you a few of the factors that have a considerable impact on car insurance rates, and come up with some ideas to take the bite out of the next policy you buy.

Comparing rates for low-priced car insurance is not always easy, and determining which companies offer the most affordable car insurance rates for teenage females requires additional perseverance.

Every insurance provider uses a little different formula to establish rates, so to begin we’ll rank the most competitive car insurance companies in Tulsa, OK. It’s a good idea to be aware that Oklahoma car insurance rates are determined by lots of factors that control the price you have to pay. This is why it is important to compare lots of rates when trying to get affordable auto insurance rates for teenage females. Car insurance prices are calculated by many factors and change dramatically, so the best option the last time you shopped your coverage around may now be quite expensive.

Best Auto Insurance Prices for Teens

Get a Free Quote and Save

Rankings for the cheapest car insurance companies in Oklahoma
Rank Company Cost Per Year
1 USAA $1,161
2 Oklahoma Farmers Union $1,190
3 The Hartford $1,319
4 GEICO $1,353
5 Safe Auto $1,363
6 Farmers $1,436
7 State Farm $1,536
8 Liberty Mutual $1,797
9 Travelers $1,906
10 Mercury $1,993
11 OK Farm Bureau $2,018
12 Home State $2,149
13 MetLife $2,169
14 Progressive $2,179
15 Shelter $2,194
16 Allstate $2,400
17 Safeco $5,158
Find Cheaper Rates Go

USAA quotes some of the cheapest car insurance rates in Tulsa at around $1,161 a year. This is $806 less than the average premium paid by Oklahoma drivers of $1,967. Oklahoma Farmers Union, The Hartford, GEICO, and Safe Auto also rank well as some of the cheapest Tulsa, OK insurance companies.

As the rates illustrate above, if you are a policyholder with Oklahoma Farmers Union and switched to USAA, you might achieve annual savings of about $29. Customers with The Hartford could save as much as $158 a year, and GEICO customers might reduce prices by as much as $192 a year.

It’s important to note that these premium estimates are averaged for all insureds and vehicles and do not take into consideration a specific zip code for teenage females. So the auto insurance company that has the lowest price for you may not even be in the top 17 companies shown above. That is why you need to get car insurance quotes using your own driver data and vehicle information.

The car, truck, or SUV driven is one of the largest factors when shopping around for affordable auto insurance for teenage females. Vehicles with lots of speed or power, a lack of advanced safety features, or a history of substantial liability claims will cost significantly more to insure than more modest models. The table below estimates car insurance costs for a handful of the most budget-friendly vehicles to buy coverage for.

Cheapest Vehicles to Insure in Tulsa, OK
Vehicle Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $4,247
Ford Escape XLS 4WD $4,252
Honda Accord LX 4-Dr Sedan $4,247
Honda CR-V EX 4WD $4,289
Toyota Prius $4,598
Ford F-150 XLT Regular Cab 2WD $4,727
Honda Odyssey EX W/Rear Entertainment $4,995
Chevrolet Impala LS $5,000
Ford Edge SE AWD $4,995
Toyota Tacoma Double Cab 4WD $5,036
Volkswagen Jetta LE 4-Dr Sedan $5,044
Chevrolet Equinox LS 2WD $5,036
Toyota RAV4 Sport 2WD $5,044
Dodge Grand Caravan SXT $5,077
Dodge Ram 3500 Crew Cab Laramie 2WD $5,087
Ford Explorer Limited AWD $5,077
Chevrolet Malibu LT $5,083
Compare Rates Now Go

Premium data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in specific Tulsa, OK garaging location which can change rates considerably.

Based upon the rates shown, models like the Hyundai Elantra, Ford Escape, and Honda Accord are likely to be some of the less-costly vehicles to insure for teen girls. Car insurance rates will be more costly just due to the fact that there is more exposure for teenage females, but overall those models will tend to have the lowest insurance rates that you are likely to find.

One of the more important factors that aid in calculating car insurance rates is where you call home. Regions with more people or even just more weather-related claims tend to pay more, whereas more rural areas have the gratification of cheaper auto insurance rates.

The next table rates the most expensive areas in Oklahoma for teenage females to buy car insurance in. Tulsa makes the list at #1 with an annual cost of $2,282 for the average policyholder, which is around $190 monthly.

How much does car insurance cost in Tulsa, OK?
Rank City Premium Per Year
1 Tulsa $2,282
2 Bixby $2,235
3 Del City $2,221
4 Sand Springs $2,205
5 Oklahoma City $2,199
6 Midwest City $2,184
7 Owasso $2,148
8 Sapulpa $2,144
9 Bethany $2,135
10 Moore $2,132
11 Broken Arrow $2,130
12 Yukon $2,076
13 Edmond $2,063
14 Norman $2,013
15 Claremore $2,008
16 Shawnee $1,988
17 Stillwater $1,970
18 Ponca City $1,956
19 Duncan $1,942
20 Lawton $1,922
21 Bartlesville $1,922
22 Muskogee $1,905
23 Ardmore $1,898
24 Enid $1,885
25 Altus $1,820
Start a Quote Go

Rate information is estimated as specific location information can modify rates noticeably.

The information below demonstrates how deductibles can raise or lower annual premium costs when researching cheap insurance for teenage females. The information is based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

As shown above, a 50-year-old driver could cut expenses by $306 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $464 by switching to a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could drop their prices up to $758 or more just by choosing higher deductibles when buying full coverage. If you do make the decision to raise your deductibles, it will be required to have enough savings set aside to be able to pay the extra out-of-pocket expense associated with higher deductibles.

How to find a good Oklahoma car insurance company

Buying coverage from the highest-rated auto insurance company is hard considering how many choices drivers have in Tulsa. The information in the next section may help you select which car insurance companies to look at comparing rates with.

The rankings below are for companies who write in the majority of U.S. states, so smaller companies that only insure vehicles in Oklahoma are not included in the list. If you’d like to compare prices from these top insurers and more, just click here.

Top 10 Major Car Insurance Companies in Tulsa Ranked by Claims Service

  1. Travelers
  2. Allstate
  3. Nationwide
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. AAA Insurance
  10. The Hartford

Top 10 Major Car Insurance Companies Overall in Tulsa

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

Types of discounts on Tulsa insurance

Discounts on car insurance for teenage femalesInsurance providers that offer cheap quotes for teenage females may provide special discounts that could reduce prices by as much as 25% or more if you qualify for them. Large car insurance companies and some of the premium reductions they offer are outlined below.

The example below shows the difference between premium costs with and without discounts applied to the rates. The premium estimates are based on a female driver, no claims or violations, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with anti-theft, continuous coverage, paid-in-full, passive restraint, good student, and paperless filing discounts applied. When discounts are factored in, the average amount saved each year on car insurance for teenage females is 28% or $844.