This would be a much shorter article if we could simply tell you the company that has the best deal on coverage in Oklahoma. It’s just not that easy, however, as there are a whole bunch of unknown aspects like if you want full coverage included, your credit rating, whether you are married or single, and what coverage limits you need, that all have an effect on the price. This article covers the types of things that cause high car insurance rates and educate you enough to have some help in finding cheaper rates.
For teen boys, one of the big considerations that determine the amount you pay each year for auto insurance is where you keep your vehicle in Tulsa. Regions with larger populations or more claims tend to pay more, whereas areas with less people or fewer weather incidents tend to receive slightly lower rates.
The information below shows the highest-priced places in Oklahoma for teenage males in which to purchase auto insurance. Tulsa is ranked at #2 costing $2,215 for the average policyholder, which is around $185 per month.
|Rank||City||Average Per Year|
|Compare Rates Now Go|
Rates are approximated as the garaging address in Tulsa can change rates greatly.
Finding out which company offers the most affordable auto insurance rates for teenage males requires more work in order to find the most economical policy. Each auto insurer has their own unique process to establish rates, so to begin we’ll rank the lowest cost auto insurance companies in Tulsa, OK.
Best Auto Insurance Prices for Teens
|Rank||Company||Cost Per Year|
|1||Oklahoma Farmers Union||$1,190|
|10||OK Farm Bureau||$1,997|
|Find Your Rate Go|
Oklahoma Farmers Union may offer some of the lowest car insurance rates in Tulsa at around $1,190 per year. This is $777 less than the average rate paid by Oklahoma drivers of $1,967. USAA, The Hartford, Safe Auto, and GEICO also make the cut as some of the lowest-priced Tulsa, OK car insurance companies.
As the example above demonstrates, if you buy coverage from GEICO and switched to USAA, you may realize savings of roughly $185. Oklahoma drivers with Farmers may save as much as $226 a year, and State Farm customers might see rate reductions of $325 a year.
Be aware that those premiums are averages across all drivers and vehicles and do not take into consideration a specific zip code for teenage males. So the insurer that is best suited for you may not even be in the list above. That emphasizes why you need to get quotes using your own individual information.
The make and model of vehicle that needs insurance is probably the most important factor when shopping for the lowest-priced auto insurance for teenage males. Vehicles with limited speed and performance, a plethora of safety features, or a positive history of liability claims will cost less to insure than adrenaline junky models. The list below presents insurance premiums for the cheapest vehicles to buy insurance for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$4,763|
|Honda CR-V LX 2WD||$4,773|
|Ford Escape XLT 4WD||$4,807|
|Ford F-150 XL Super Cab 4WD||$5,356|
|Ford Edge SEL AWD||$5,602|
|Honda Odyssey EX||$5,607|
|Chevrolet Malibu LS||$5,646|
|Chevrolet Equinox LS 2WD||$5,656|
|Toyota RAV4 4WD||$5,646|
|Dodge Grand Caravan SXT||$5,693|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$5,701|
|Ford Explorer Limited 4WD||$5,693|
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Prices based on single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in specific garaging location which can modify price quotes noticeably.
Based upon these rates, we can infer that vehicles like the Honda Accord, Honda CR-V, and Ford Escape are going to be the cheapest vehicles to insure for teen boys. The price for car insurance will tend to be more expensive anyway just due to the fact that there is more exposure for teenage males, but in general those makes and models will tend to have the lowest prices that you’ll find.
Buying coverage from the top company can be difficult considering how many different companies insure vehicles in Oklahoma. The company ratings in the lists below can help you choose which coverage providers to look at when shopping your coverage around.
The rankings below are only comprised of companies with a nationwide focus, so companies with more of a regional focus are not factored into this list. To check rates from these top-rated insurers and more, click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
Discount Tulsa car insurance
Insurers that offer quotes for teenage males may have rate discounts that could lower prices by 30% or more if you are eligible for them. A few of the larger companies and a summarized list of policyholder discounts are detailed below.
- State Farm may have discounts that include anti-theft, good student, good driver, driver’s education, multiple policy, multiple autos, and passive restraint.
- Liberty Mutual has discounts for newly retired, multi-policy, new graduate, new move discount, hybrid vehicle, new vehicle discount, and multi-car.
- American Family has savings for accident-free, mySafetyValet, multi-vehicle, early bird, and bundled insurance.
- Progressive may include discounts for multi-policy, online quote discount, continuous coverage, homeowner, and multi-vehicle.
- Farmers Insurance discounts include mature driver, youthful driver, homeowner, teen driver, electronic funds transfer, and early shopping.
- Auto-Owners Insurance offers premium reductions for mature driver, good student, multi-policy, safe driver, and anti-theft.
- SAFECO offers discounts for multi-car, accident prevention training, homeowner, teen safe driver, anti-theft, and teen safety rewards.
The chart below shows the comparison of car insurance costs with and without discounts being applied to the rates. The price estimates are based on a female driver, no claims, a clean driving record, 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 lower bar shows the rates with anti-theft, good student, passive restraint, continuous coverage, vehicle safety, and paid-in-full discounts applied. In this example, theaverage yearly reduction on auto insurance for teenage males is 28% or $954.
Why you should be shopping around
Tulsa, OK auto insurance rates are impacted by many factors which can substantially change the cost of a policy. Simply turning a year older, buying a new vehicle, or getting a DUI can trigger rate changes resulting in some rates now being cheaper in comparison to the competition. Not only may your risk profile change, but insurance companies amend premium rates every year to ensure their profitability. Higher than usual claims can result in price increases, while a profitable period can cause more affordable Tulsa car insurance rates.
For instance, the bar chart below shows the companies that have the cheapest car insurance in Tulsa, OK for a 40-year-old male driver with a clean driving record, no accidents, and a high credit rating. If we compare prices based on his personal risk profile, USAA has the best car insurance rates in Tulsa at $1,357 a year. This is $610 less than the average rate paid by Oklahoma drivers of $1,967. Oklahoma Farmers Union, The Hartford, Farmers, and GEICO are also on the list of the best Tulsa, OK auto insurance companies.
Let’s now give the driver in the first chart an at-fault accident, slightly worse credit, and a stop sign violation. Since each insurance company has a unique formula for filing rates in each state, comparing rates most likely will result in a completely different list of companies as shown below.
State Farm now has the best price on car insurance in Tulsa, OK with Oklahoma Farmers Union, Liberty Mutual, GEICO, and Travelers also being competitive. This example demonstrates why Oklahoma drivers need to shop around to find the most affordable car insurance quotes for teenage males.
Auto insurance prices can be determined by many things and can change substantially, so the lowest-price company the last time you shopped around may now be quite expensive.
If you have questions and prefer to have a little guidance when shopping for the best coverage for teen boys, the professional agents shown below can most likely provide answers to your questions and help you determine which auto insurance coverages would be the best in your situation. To locate an agency using an interactive map, click the link at the bottom.
State Farm: Stephen Garcille
8165 E 31st St – Tulsa, OK 74145 – (918) 627-8883
Allstate Insurance: Jim Boese
10396 E 21st St – Tulsa, OK 74129 – (918) 665-2424
Mark Fugett – State Farm Insurance Agent
4949 S Mingo Rd – Tulsa, OK 74146 – (918) 628-1900
Ken Shoemaker – State Farm Insurance Agent
10115 S Sheridan Rd d – Tulsa, OK 74133 – (918) 299-9995
How to find more affordable insurance for teenage males
It is possible to find better rates, and here are some of the better money-saving suggestions that can help you quote cheap coverage.
- Home or renters coverage can save on auto insurance
- Safe vehicles cost less to insure
- Remain accident-free and save
- Higher credit ratings may save you money
- Do not pay for comprehensive and collision coverage on older vehicles
- Shop around for cheaper prices
That last tip is remarkably crucial, as we hit on in this write-up. Auto insurance rates can be modified anytime, so you should be ready to buy from a different company if a more affordable rate is found.
Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that stubbornness costs you hundreds of dollars a year. Now is a great time to compare prices and find cheaper insurance for teenage males in Tulsa.