Cheapest Ford Ranger Insurance in Tulsa

Really, the only way to get discount Ford Ranger insurance in Tulsa is to compare quotes annually from insurers that sell auto insurance in Oklahoma. Rates can be compared by following these guidelines.

A tip to remember is to try to compare similar coverage information on each price quote and and to get prices from as many auto insurance providers as possible. This guarantees an accurate price comparison and many rates to choose from.

Insurance quote for Ford Ranger in TulsaShocking but true, the vast majority of drivers have remained with the same car insurance company for well over three years, and practically 40% of car insurance customers have never compared rate quotes at all. Drivers in Oklahoma could save an average of $550 each year by just comparing quotes, but they just don’t want to go online and compare rates.

How to get cheap Ford Ranger insurance in Tulsa, OK

The companies shown below can provide price quotes in Oklahoma. To get cheap auto insurance in Tulsa, we suggest you compare several of them to find the cheapest car insurance rates.

Reduce your car insurance rates with discounts

Car insurance is neither fun to buy or cheap, but discounts can save money and there are some available that could help you make your next renewal payment. Some of these discounts will be visible when you quote, but a few need to be asked for before being credited.Car insurance discounts

As is typical with insurance, most discount credits are not given to the overall cost of the policy. A few only apply to the cost of specific coverages such as medical payments or collision. Even though the math looks like you could get a free car insurance policy, company stockholders wouldn’t be very happy.

The chart below illustrates the difference between Ford Ranger annual premium costs with and without discounts being applied to the rates. The premiums are based on a female driver, a clean driving record, no claims, Oklahoma state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, safe-driver, multi-policy, homeowner, and marriage discounts applied.

For a list of providers who offer free Ford Ranger insurance quotes in Oklahoma, click here to view.

Auto insurance statistics for a Ford Ranger

The rate table displayed below covers different insurance costs for Ford Ranger models. Learning more about how car insurance prices are formulated can assist in making smart choices when choosing a car insurance company.


Ford Ranger Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ranger XL 2WD $278 $562 $458 $28 $136 $1,462 $122
Ranger XL SuperCab 2WD $326 $562 $458 $28 $136 $1,510 $126
Ranger XLT 2WD $326 $562 $458 $28 $136 $1,510 $126
Ranger XL 2WD $326 $562 $458 $28 $136 $1,510 $126
Ranger XL SuperCab 4WD $326 $562 $458 $28 $136 $1,510 $126
Ranger XLT SuperCab 2WD $326 $684 $458 $28 $136 $1,632 $136
Ranger Sport SuperCab 2WD $326 $684 $458 $28 $136 $1,632 $136
Ranger Sport SuperCab 4WD $326 $684 $458 $28 $136 $1,632 $136
Ranger XLT SuperCab 4WD $326 $684 $458 $28 $136 $1,632 $136
Ranger Sport SuperCab 2WD $326 $684 $458 $28 $136 $1,632 $136
Ranger XLT SuperCab 2WD $326 $684 $458 $28 $136 $1,632 $136
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Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in the specific area where the vehicle is garaged which can decrease or increase prices greatly.

Rate comparison for different deductibles

One of the hardest decisions when shopping for auto insurance is at what level do you set your deductibles. The comparisons below sum up the rate difference of buying low and high comp and collision deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second pricing table uses a $500 deductible.


Ford Ranger insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ranger XL 2WD $258 $480 $448 $26 $134 $1,371 $114
Ranger XL SuperCab 2WD $302 $480 $448 $26 $134 $1,415 $118
Ranger XLT 2WD $302 $480 $448 $26 $134 $1,415 $118
Ranger XL 2WD $302 $480 $448 $26 $134 $1,415 $118
Ranger XL SuperCab 4WD $302 $480 $448 $26 $134 $1,415 $118
Ranger XLT SuperCab 2WD $302 $584 $448 $26 $134 $1,519 $127
Ranger Sport SuperCab 2WD $302 $584 $448 $26 $134 $1,519 $127
Ranger Sport SuperCab 4WD $302 $584 $448 $26 $134 $1,519 $127
Ranger XLT SuperCab 4WD $302 $584 $448 $26 $134 $1,519 $127
Ranger Sport SuperCab 2WD $302 $584 $448 $26 $134 $1,519 $127
Ranger XLT SuperCab 2WD $302 $584 $448 $26 $134 $1,519 $127
Get Your Own Custom Quote Go

Ford Ranger insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ranger XL 2WD $210 $388 $448 $26 $134 $1,206 $101
Ranger XL SuperCab 2WD $246 $388 $448 $26 $134 $1,242 $104
Ranger XLT 2WD $246 $388 $448 $26 $134 $1,242 $104
Ranger XL 2WD $246 $388 $448 $26 $134 $1,242 $104
Ranger XL SuperCab 4WD $246 $388 $448 $26 $134 $1,242 $104
Ranger XLT SuperCab 2WD $246 $472 $448 $26 $134 $1,326 $111
Ranger Sport SuperCab 2WD $246 $472 $448 $26 $134 $1,326 $111
Ranger Sport SuperCab 4WD $246 $472 $448 $26 $134 $1,326 $111
Ranger XLT SuperCab 4WD $246 $472 $448 $26 $134 $1,326 $111
Ranger Sport SuperCab 2WD $246 $472 $448 $26 $134 $1,326 $111
Ranger XLT SuperCab 2WD $246 $472 $448 $26 $134 $1,326 $111
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Premium amounts do not factor in specific zip code location which can lower or raise coverage rates significantly.

We can derive from the above data that using a $250 deductible costs approximately $15 more each month or $180 each year averaged for all Ranger models than choosing the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 17 months between claims, you would probably save some money if you choose a higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $250 deductibles: $123
Average monthly premium for $500 deductibles (subtract): – $108
Monthly savings from raising deductible: $15
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One big caveat is that increasing deductibles to save money means you will have to pay more out-of-pocket at claim time. You need to have some extra savings in the event you have to pay the higher deductible.

Responsible drivers pay cheaper Tulsa auto insurance rates

The diagram below illustrates how traffic citations and accidents influence Ford Ranger insurance premiums for each age group. The data assumes a single male driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.

Full coverage rates vs. liability-only in Tulsa

The chart below compares Ford Ranger insurance costs with and without full coverage. The data is based on no claims, a clean driving record, $250 deductibles, marital status is single, and no other discounts are factored in.

When to drop full coverage

There is no set guideline to stop paying for comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Ford Ranger claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $5,000 after the deductible is paid. If you are paying more than $500 a year for full coverage, then it’s probably a good time to buy liability coverage only.

There are some situations where dropping full coverage is not advised. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Shop online but buy locally

Many people just want to go talk to an agent and that can be a smart move Professional agents can point out coverage gaps and give you someone to call. A nice benefit of comparing rates online is that drivers can save money and get the lowest rates and also buy local.

Insurance agents in TulsaOnce you complete this quick form, the quote information is submitted to agents in your area who can give free rate quotes for your insurance coverage. You never need to even leave your home because prices are sent to the email address you provide. If you want to get a price quote for a specific company, you would need to find their quoting web page to submit a rate quote request.

Choosing a company is decision based upon more than just the premium amount. The questions below may impact your decision as well.

Car insurance agents in Tulsa come in two varieties

If you’re trying to find a reliable agent, you need to know there are two different types of agents and how they can write your policy. Car insurance agencies can be described as either independent (non-exclusive) or exclusive. Either one can insure your vehicles properly, but it is important to understand the difference in how they write coverage because it can influence which type of agent you select.

Exclusive Insurance Agencies

Exclusive insurance agents generally can only insure with one company and examples are State Farm or Allstate. These agents are unable to give you multiple price quotes so you need to shop around if the rates are high. They receive extensive training on sales techniques which helps them compete with independent agents. Consumers often use the same agent mostly because of the brand and strong financial ratings.

Shown below are Tulsa exclusive insurance agents that can give you price quote information.

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Independent Car Insurance Agents

Independent agencies are not employed by any specific company and that is an advantage because they can write policies amongst many companies and find you cheaper rates. If your agent finds better pricing, the business is moved internally and you can keep the same agent.

If you need cheaper car insurance rates, we recommend you get several quotes from at least one independent agent so that you can do a thorough price comparison. They also have the ability to place coverage with companies that do not advertise much that may have much lower rates than larger companies.

Below are independent agencies in Tulsa that can give you price quote information.

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Upon receiving reasonable responses to all your questions as well as an affordable premium quote, most likely you have located an insurance agent that meets the requirements to service your policy.

There’s no such thing as the perfect insurance policy

When selecting adequate coverage for your vehicles, there really is no single plan that fits everyone. Your financial needs are unique and your insurance should unique, too.Drive safe and save
For example, these questions can help discover if you could use an agent’s help.

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Decisions You Make Can Impact Your Insurance Rates

The best way to find cheaper insurance is to take a look at the rating factors that come into play when calculating insurance rates. If you have a feel for what determines base rates, this allows you to make good choices that will entitle you to big savings.

Best reasons to buy insurance in Oklahoma

Despite the high cost of buying insurance for a Ford Ranger in Tulsa, insurance may be required for several reasons.

The benefits of buying enough insurance outweigh the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $810 a year so smart consumers compare quotes at every renewal to help ensure money is not being wasted.

What is YOUR best insurance company?

Cheap Ford Ranger insurance in Tulsa can be found from both online companies and with local Tulsa insurance agents, and you should compare price quotes from both to have the best rate selection. A few companies may not have online price quotes and most of the time these small insurance companies only sell through independent agencies.

As you prepare to switch companies, never reduce coverage to reduce premium. In many instances, an insured dropped comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at the best price while still protecting your assets.

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