The best way to find affordable quotes for car insurance rates is to compare prices annually from different companies in Tulsa. You can compare prices by following these guidelines.
- First, read and learn about how companies set rates and the measures you can take to prevent rate increases. Many factors that drive up the price like traffic citations, accidents, and a lousy credit rating can be remedied by making minor driving habit or lifestyle changes.
- Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like Progressive or Allstate, while independent agencies can quote prices from multiple companies.
- Third, compare the new quotes to your existing coverage to see if cheaper Civic coverage is available in Tulsa. If you find a lower rate and change companies, verify that coverage does not lapse between policies.
- Fourth, provide written notification to your current company of your decision to cancel your current coverage and submit the application along with any required down payment to the new company. Once coverage is bound, keep your new proof of insurance paperwork in your vehicle.
One thing to remember is to make sure you’re comparing the same deductibles and limits on every quote and and to get price estimates from as many carriers as you can. This guarantees an apples-to-apples comparison and a better comparison of the market.
Anyone knows that insurance companies don’t want you shop around. People who shop around are likely to buy a new policy because there is a high probability of finding a cheaper policy. Remarkably, a study showed that people who compared price quotes annually saved $3,450 over four years compared to people who never compared other company’s rates.
If finding the best rates on insurance is why you’re reading this, learning the best way to compare cheaper coverage can make the process more efficient.
Best companies for Honda Civic insurance
The companies shown below have been selected to offer price quotes in Oklahoma. If your goal is to find the best car insurance in Tulsa, we suggest you compare several of them to get the most competitive price.
Rates and other information
The rate table displayed below showcases estimates of insurance costs for Honda Civic models. Having a better idea how car insurance premiums are formulated can benefit drivers when making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $260 | $602 | $506 | $30 | $152 | $1,550 | $129 |
| Civic VP 4-Dr Sedan | $260 | $708 | $506 | $30 | $152 | $1,656 | $138 |
| Civic LX 4-Dr Sedan | $260 | $708 | $506 | $30 | $152 | $1,656 | $138 |
| Civic DX 2-Dr Coupe | $260 | $708 | $634 | $38 | $190 | $1,830 | $153 |
| Civic EX 4-Dr Sedan | $260 | $708 | $506 | $30 | $152 | $1,656 | $138 |
| Civic LX-S 4-Dr Sedan | $260 | $708 | $506 | $30 | $152 | $1,656 | $138 |
| Civic LX 2-Dr Coupe | $260 | $816 | $634 | $38 | $190 | $1,938 | $162 |
| Civic EX-L 4-Dr Sedan | $298 | $816 | $506 | $30 | $152 | $1,802 | $150 |
| Civic SI 4-Dr Sedan | $298 | $816 | $506 | $30 | $152 | $1,802 | $150 |
| Civic EX 2-Dr Coupe | $298 | $816 | $634 | $38 | $190 | $1,976 | $165 |
| Civic GX 4-Dr Sedan | $298 | $816 | $506 | $30 | $152 | $1,802 | $150 |
| Civic EX-L 2-Dr Coupe | $298 | $816 | $634 | $38 | $190 | $1,976 | $165 |
| Civic Hybrid 4-Dr Sedan | $336 | $708 | $506 | $30 | $152 | $1,732 | $144 |
| Civic SI 2-Dr Coupe | $336 | $924 | $634 | $38 | $190 | $2,122 | $177 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase insurance rates significantly.
Policy deductible comparison
A question often asked by Tulsa drivers is which comprehensive and collision deductibles to buy. The comparisons below show the price difference of buying low and high comp and collision deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $302 | $584 | $448 | $26 | $134 | $1,519 | $127 |
| Civic VP 4-Dr Sedan | $302 | $688 | $448 | $26 | $134 | $1,623 | $135 |
| Civic LX 4-Dr Sedan | $302 | $688 | $448 | $26 | $134 | $1,623 | $135 |
| Civic DX 2-Dr Coupe | $302 | $688 | $560 | $34 | $168 | $1,777 | $148 |
| Civic EX 4-Dr Sedan | $302 | $688 | $448 | $26 | $134 | $1,623 | $135 |
| Civic LX-S 4-Dr Sedan | $302 | $688 | $448 | $26 | $134 | $1,623 | $135 |
| Civic LX 2-Dr Coupe | $302 | $792 | $560 | $34 | $168 | $1,881 | $157 |
| Civic EX-L 4-Dr Sedan | $346 | $792 | $448 | $26 | $134 | $1,771 | $148 |
| Civic SI 4-Dr Sedan | $346 | $792 | $448 | $26 | $134 | $1,771 | $148 |
| Civic EX 2-Dr Coupe | $346 | $792 | $560 | $34 | $168 | $1,925 | $160 |
| Civic GX 4-Dr Sedan | $346 | $792 | $448 | $26 | $134 | $1,771 | $148 |
| Civic EX-L 2-Dr Coupe | $346 | $792 | $560 | $34 | $168 | $1,925 | $160 |
| Civic Hybrid 4-Dr Sedan | $392 | $688 | $448 | $26 | $134 | $1,713 | $143 |
| Civic SI 2-Dr Coupe | $392 | $896 | $560 | $34 | $168 | $2,075 | $173 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $186 | $368 | $448 | $26 | $134 | $1,162 | $97 |
| Civic VP 4-Dr Sedan | $186 | $432 | $448 | $26 | $134 | $1,226 | $102 |
| Civic LX 4-Dr Sedan | $186 | $432 | $448 | $26 | $134 | $1,226 | $102 |
| Civic DX 2-Dr Coupe | $186 | $432 | $560 | $34 | $168 | $1,380 | $115 |
| Civic EX 4-Dr Sedan | $186 | $432 | $448 | $26 | $134 | $1,226 | $102 |
| Civic LX-S 4-Dr Sedan | $186 | $432 | $448 | $26 | $134 | $1,226 | $102 |
| Civic LX 2-Dr Coupe | $186 | $498 | $560 | $34 | $168 | $1,446 | $121 |
| Civic EX-L 4-Dr Sedan | $214 | $498 | $448 | $26 | $134 | $1,320 | $110 |
| Civic SI 4-Dr Sedan | $214 | $498 | $448 | $26 | $134 | $1,320 | $110 |
| Civic EX 2-Dr Coupe | $214 | $498 | $560 | $34 | $168 | $1,474 | $123 |
| Civic GX 4-Dr Sedan | $214 | $498 | $448 | $26 | $134 | $1,320 | $110 |
| Civic EX-L 2-Dr Coupe | $214 | $498 | $560 | $34 | $168 | $1,474 | $123 |
| Civic Hybrid 4-Dr Sedan | $242 | $432 | $448 | $26 | $134 | $1,282 | $107 |
| Civic SI 2-Dr Coupe | $242 | $564 | $560 | $34 | $168 | $1,568 | $131 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Premium amounts do not factor in specific location information which can decrease or increase insurance rates considerably.
We can estimate from the data above that using a $250 deductible costs about $36 more each month or $432 a year averaged for all Civic models than requesting the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 21 months between claim filings, you would save more money going with the higher deductible.
Careless drivers pay higher rates
The chart below demonstrates how citations and at-fault fender-benders can impact Honda Civic insurance prices for each different age group. Data assumes a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.
Honda Civic insurance costs by age and gender
The chart below illustrates the difference between Honda Civic yearly insurance costs for male and female drivers. The price estimates are based on no claims, a clean driving record, comp and collision included, $100 deductibles, single marital status, and no discounts are factored in.
Full coverage rates compared to liability-only
The information below shows the comparison of Honda Civic car insurance costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no accidents or driving violations, $1,000 deductibles, drivers are single, and no additional discounts are factored in.
When to buy liability coverage only
There is no definitive rule to exclude full coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let’s pretend your Honda Civic replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $2,000 after paying your policy deductible. If you are paying in excess of $200 annually for physical damage coverage, then you may need to consider dropping full coverage.
There are a few cases where eliminating full coverage is not a good idea. If you haven’t paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.
Learn How to Get Car Insurance More Affordably
Part of the car insurance buying process is learning some of the factors that help calculate the price you pay for car insurance. If you have a feel for what determines premiums, this allows you to make educated decisions that could result in much lower annual insurance costs.
The factors shown below are some of the most rate-impacting factors car insurance companies consider when setting rates.
More policies can equal more savings – Most larger companies give a discount for people who buy several policies from them. It’s known as a multi-policy discount. The amount of the discounts can be ten or even fifteen percent. Even with this discount applied, you may still want to get quotes from other companies to help guarantee you have the best rates.
Low credit score equals high costs – Your credit score can be a huge factor in determining your rates. If your credit score can be improved, you could pay less to insure your Honda Civic if you improve your credit rating. Consumers who have high credit ratings tend to be more responsible than drivers with poor credit scores.
Safeguard your assets with liability coverage – The liability coverage on your policy is the protection if a jury decides you are liable for an accident. This coverage provides legal defense up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
A car insurance policy lapse can increase premiums – Allowing your car insurance policy to lapse is a quick way to pay more for car insurance. And not only will insurance be more expensive, being ticketed for driving with no insurance may result in a steep fine or even jail time.
Your location is a factor – Choosing to live in a small town can be a good thing when shopping for auto insurance. Lower population translates into fewer accident claims in addition to fewer liability claims. Residents of big cities have more auto accidents and longer commutes to work. More time on the road means more chances of being involved in an auto accident.
Save mileage and save money – The higher the mileage driven annually the higher your rate. A lot of companies price each vehicle’s coverage partially by how you use the vehicle. Autos that are left in the garage get more affordable rates than those that get driven frequently. Make sure your declarations sheet is rated on the correct usage. Improper usage on your Civic may be wasting your money.
Vehicle features that lower prices – Selecting a car model that has a built-in theft deterrent system can earn a premium discount. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.
High performance vehicles cost more to insure – The performance level of the car or truck you drive makes a huge difference in the rate you pay. The lowest base rates are usually found on smaller low performance passenger vehicles, but many other things help determine your insurance rates.
The following chart uses these assumptions: single female driver age 40, full coverage with $500 deductibles, and no discounts or violations. The chart compares Honda Civic rates compared to other makes and models that have a range of performance risks.
Insurance loss probability for a Honda Civic – Insurance companies analyze historical claim data as a tool for profitable underwriting. Vehicles that tend to have higher claim frequency or loss amount will have higher rates.
The data below shows the compiled insurance loss statistics for Honda Civic vehicles. For each policy coverage type, the statistical loss for all vehicles averaged together is set at 100. Percentages below 100 mean the vehicle has better than average losses, while percentages above 100 indicate frequent claims or an increased chance of larger losses than average.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Honda Civic | 92 | 105 | 68 | 127 | 135 | 121 |
| Honda Civic Hybrid | 90 | 85 | 106 | 105 | 78 | |
| Honda Civic Si | 126 | 97 | 117 | 124 | 104 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Affordable Tulsa car insurance quotes with discounts
The cost of insuring your cars can be expensive, but you might already qualify for some discounts that you may not even be aware of. Some discounts will apply when you get a quote, but occasionally some discounts must be manually applied prior to getting the savings. If you don’t get every credit you qualify for, you could be getting lower rates.
- ABS Braking Discount – Cars and trucks that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
- Early Renewal Discounts – Some larger companies reward drivers for buying a policy before your current coverage expires. It’s a savings of about 10%.
- Waiver for an Accident – This one is not really a discount per se, but a few companies such as Allstate, State Farm and GEICO will let one accident slide before raising your premiums if you are claim-free prior to the accident.
- Tulsa Homeowners Discount – Just owning your own home may trigger a policy discount on car insurance due to the fact that maintaining a home shows financial diligence.
- Discount for Good Grades – A discount for being a good student could provide a savings of up to 20% or more. The discount lasts until age 25.
- New Vehicle Savings – Buying a new car instead of a used Civic can save up to 30% because newer vehicles are generally safer.
A little disclaimer on discounts, many deductions do not apply to the whole policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, it’s just not the way it works.
The example below visualizes the comparison of Honda Civic premium costs with and without discounts applied to the policy rates. The data assumes a female driver, a clean driving record, no claims, Oklahoma state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, marriage, multi-policy, and safe-driver discounts applied.
If you would like to see a list of providers that offer some of these discounts in Oklahoma, follow this link.
You may require the services of an insurance agency
Many drivers just want to buy from a local agent and that is OK! Most agents are highly skilled in risk management and give you someone to call. One of the best bonuses of comparing auto insurance online is you can get the lowest rates but still work with a licensed agent.
To make it easy to find an agent, after completing this quick form, the coverage information is emailed to companies in Tulsa who will give you quotes to get your business. It simplifies rate comparisons since you won’t have to contact any insurance agencies since price quotes are sent instantly to you. If you have a need to quote rates for a specific company, you would need to visit that company’s website and complete a quote there.
Picking a insurance company needs to be determined by more than just the premium amount. You should also get answers to these questions.
- Which members of your family are coverage by the policy?
- What insurance companies do they work with in Tulsa?
- Are claim adjusters local or do you have to take your car somewhere else?
- Will you work with the agent or an assistant?
- Which company do they place the most coverage with?
- If you have an accident, will your rates go up?
- Is the agency active in community causes in Tulsa?
- When do they do policy reviews?
If you prefer to buy auto insurance from a local Tulsa insurance agency, it’s helpful to know the types of insurance agents and how they differ in how they can insure your vehicles. Auto insurance agencies are either exclusive or independent (non-exclusive). Both types can do a good job, but it’s worth mentioning the differences because it can influence which type of agent you select.
Exclusive Agencies
Agents of this type write business for a single company such as State Farm, AAA, and Liberty Mutual. Exclusive agents cannot provide other company’s prices so always compare other rates. Exclusive agents are trained well on what they offer which helps them compete with independent agents.
Listed below is a list of exclusive agents in Tulsa willing to provide comparison quotes.
Allstate Insurance: David D’Arcangelo
4502 E 51st St – Tulsa, OK 74135 – (918) 858-5000 – View Map
Jim Vanderveen – State Farm Insurance Agent
3015 E 15th St – Tulsa, OK 74104 – (918) 712-5979 – View Map
Ken Shoemaker – State Farm Insurance Agent
10115 S Sheridan Rd d – Tulsa, OK 74133 – (918) 299-9995 – View Map
Independent Auto Insurance Agencies
Independent agents do not work for one specific company and that gives them the ability to insure with a variety of different insurance companies and potentially find a lower price. If you are not satisfied with one company, your agent can switch companies and you can keep the same agent.
When comparing rates, we recommend you contact at a minimum one independent agency to have the most options to choose from.
Shown below is a list of independent insurance agents in Tulsa willing to provide comparison quotes.
Cheapest Auto Insurance
2646 E 15th St – Tulsa, OK 74104 – (918) 744-5145 – View Map
Louis Blosch Agency
9726 E 42nd St #210 – Tulsa, OK 74146 – (918) 664-7100 – View Map
Jimmie A Neely Insurance
4444 E 66th St – Tulsa, OK 74136 – (918) 494-0600 – View Map
After getting satisfactory answers to any questions you may have and an affordable coverage quote, it’s a good possibility that you have found a car insurance agent that is reliable enough to adequately provide auto insurance. Just be aware that you can always cancel coverage whenever you wish so never feel that you are obligated to a specific company for the full policy term.
Which car insurance company is best in Oklahoma?
Selecting a highly-rated auto insurance company can be a challenge considering how many choices you have in Oklahoma. The company ratings shown below may help you choose which insurers to look at when looking for cheaper rates.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Will just any policy work for me?
When choosing proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Your financial needs are unique so your insurance needs to address that.
These are some specific questions might help in determining whether or not you may require specific advice.
- Is my ex-spouse still covered by my policy?
- Does insurance cover damages from a DUI accident?
- Is my nanny covered when transporting my kids?
- If my car is totaled with they pay enough to replace it?
- Are combined or split liability limits better?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Does medical payments coverage apply to all occupants?
If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, free and you can get the answers you need.
Cheaper car insurance premiums are possible
Lower-priced car insurance in Tulsa can be purchased from both online companies as well as from insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies don’t offer price quotes online and many times these small insurance companies prefer to sell through local independent agents.
We just presented many tips how you can compare Honda Civic insurance rates in Tulsa. The key thing to remember is the more you quote Tulsa car insurance, the better your comparison will be. Consumers may even find the biggest savings come from a small mutual company. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.
While you’re price shopping online, never buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced physical damage coverage and learned later that it was a big mistake. The proper strategy is to buy a smart amount of coverage at the best possible price while still protecting your assets.
To read more, feel free to visit the resources below:
- Auto Insurance Learning Center (State Farm)
- How Much is Car Insurance for a Toyota Corolla in Tulsa? (FAQ)
- Who Has Affordable Car Insurance Rates for Seniors in Tulsa? (FAQ)
- How Much are Car Insurance Rates for Police Officers in Tulsa? (FAQ)
- Who Has the Cheapest Car Insurance for Teenage Males in Tulsa? (FAQ)
- How Much are Tulsa Car Insurance Quotes for Nurses? (FAQ)
- What Auto Insurance is Cheapest for Drivers with a Bad Driving Record in Tulsa? (FAQ)
- Who Has the Cheapest Tulsa Auto Insurance Rates for a Ford Focus? (FAQ)
- What is the Best Auto Insurance in Tulsa, OK? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Hybrid Vehicles in Tulsa? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Toyota Tundra in Tulsa? (FAQ)
- Vehicle Insurance in the U.S. (Wikipedia)
- Understanding Car Crashes Video (iihs.org)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- What is a Telematics Device? (Allstate)