Who Has Affordable Oklahoma City Auto Insurance for College Graduates?

The car, truck, or SUV requiring insurance is a large factor when comparison shopping for economical car insurance for college graduates. Vehicles with higher performance characteristics, poor safety ratings, or an increased likelihood of liability claims will cost significantly more to insure than more modest models. The next table ranks car insurance costs for a number of the cheapest vehicles to buy coverage for.

Cheapest Vehicles to Insure in Oklahoma City, OK
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $1,061
Ford Escape Limited 2WD $1,087
Toyota Tacoma 4WD $1,191
Ford Focus SE 4-Dr Sedan $1,233
Chevrolet Malibu LS $1,259
Toyota Camry SE $1,326
Hyundai Elantra GLS 4-Dr Sedan $1,331
Chevrolet Impala LTZ $1,326
Toyota Prius $1,328
Nissan Rogue S AWD $1,349
Honda Odyssey EX $1,357
Ford Fusion SEL 4-Dr Sedan $1,349
Chevrolet Silverado 2500HD LT Crew Cab 4WD $1,356
Toyota RAV4 Limited 2WD $1,377
Ford Explorer Eddie Bauer AWD $1,402
Dodge Grand Caravan SXT $1,412
Jeep Grand Cherokee Laredo 4WD $1,416
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Table data does not factor in the specific area where the vehicle is garaged which can impact rates considerably.

Based on these rates, we can expect models like the Honda CR-V, Ford Escape, Toyota Tacoma, Ford Focus, and Chevrolet Malibu are the less-costly vehicles to insure for college grads.

Finding out which company quotes the lowest-priced car insurance rates for college graduates involves a tad more effort than just getting one or two price quotes. Each company has their own process for determining prices, so let’s rank the most competitive car insurance companies in Oklahoma.

It’s a good idea to know that Oklahoma City, OK car insurance rates are based on many factors which can significantly increase or decrease the price of coverage. Simply having a birthday, getting married, or getting a driving violation can cause premium changes resulting in some companies being cheaper than before.

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Cheapest insurance companies in Oklahoma
Rank Company Cost Per Year
1 USAA $1,185
2 Oklahoma Farmers Union $1,202
3 The Hartford $1,319
4 Safe Auto $1,377
5 Farmers $1,380
6 GEICO $1,394
7 State Farm $1,521
8 Liberty Mutual $1,797
9 Travelers $1,868
10 OK Farm Bureau $1,997
11 Mercury $2,033
12 Shelter $2,108
13 Home State $2,149
14 Progressive $2,157
15 MetLife $2,169
16 Allstate $2,400
17 Safeco $5,158
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USAA quotes some of the most affordable car insurance rates in Oklahoma City at around $1,185 per year. Oklahoma Farmers Union, The Hartford, Safe Auto, and Farmers also are some of the cheapest Oklahoma City, OK car insurance companies.

As illustrated above, if you are a customer of The Hartford and switched to USAA, you could earn a yearly savings of around $134. Policyholders with Safe Auto might save as much as $192 a year, and Farmers customers might see rate reductions of $195 a year.

To find the cheapest coverage for you, click here to get a free quote or visit any of the low-priced companies below.

Understand that those policy prices are averages across all insureds and vehicles and and are not figured with a specific zip code for college graduates. So the insurer that fits your needs best may not even be in the top 17 companies in the list above. That affirms the importance of why you need to get rate quotes using your own individual information.

One of the many considerations that help determine auto insurance rates is where your car is garaged in Oklahoma City. Areas with high crime rates or more dense population tend to pay slightly more, whereas areas that tend to be more rural get the luxury of paying less.

The next table shows the priciest cities in Oklahoma for college graduates to buy an auto insurance policy in. Oklahoma City is listed at #9 with an annual cost of $2,113 for car insurance, which is about $176 each month.

How much does car insurance cost in Oklahoma City, OK?
Rank City Premium Per Year
1 Tulsa $2,282
2 Sand Springs $2,227
3 Broken Arrow $2,216
4 Midwest City $2,184
5 Bixby $2,169
6 Del City $2,155
7 Bethany $2,135
8 Moore $2,132
9 Oklahoma City $2,113
10 Edmond $2,105
11 Sapulpa $2,102
12 Owasso $2,064
13 Shawnee $2,048
14 Norman $2,033
15 Yukon $2,015
16 Claremore $1,987
17 Bartlesville $1,981
18 Ardmore $1,936
19 Stillwater $1,931
20 Lawton $1,922
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Rate quotes are comparative as the specific zip code location can alter auto insurance rates considerably.

Types of discounts on Oklahoma City insurance rates

Discounts on car insurance for college graduatesCar insurance companies that provide policies for college graduates may also give you price discounts that could reduce prices by as much as 30% if you can meet the requirements. A list of companies and a summarized list of policyholder discounts can be found below.

The illustration below visualizes the comparison of annual premium costs with and without discounts applied to the premium. The data assumes a male driver, a clean driving record, no at-fault accidents, Oklahoma state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with claim-free, vehicle safety, safe-driver, accident-free, passive restraint, and anti-theft discounts applied. When drivers take advantage of discounts, the average savings per year on car insurance for college graduates is 28% or $799.

How accidents and tickets impact rates in Oklahoma City

One of the best ways to snag the best car insurance prices for college grads is to be a cautious driver and avoid accidents and keep your driving record clean. The chart below shows how traffic citations and accident claims can influence car insurance rates for different age categories. The premium estimates are based on a single male driver, full coverage, $500 deductibles, and no additional discounts are factored in.

In the prior example, the average cost of car insurance per year with no violations or accidents is $2,308. Receive one speeding ticket and the average cost jumps to $2,601, an increase of $293 each year. Then include one accident along with the one speeding ticket and the 12-month cost of car insurance for college graduates jumps again to an average of $3,421. That’s an increase of $1,112, or $93 per month, just for not maintaining a clean driving record!

The agencies below are willing to provide answers to your questions and help you determine which coverages you need, as some people prefer to have some professional guidance when shopping around for cheaper insurance for college grads. It can be hard to find the cheapest car insurance policy, so a professional agent can bring comfort knowing your coverage gives you enough coverage when you need it. To locate an Oklahoma City auto insurance agent using an interactive map, click the link after the list or click here to compare prices now.

More insurance agents in Oklahoma City, OK

How to find cheaper car insurance for college graduates

Lowering your rates is not difficult, and here are many money-saving suggestions that can help Oklahoma drivers find cheaper car insurance.

The last suggestion is certainly crucial, as we discussed in the article above. Auto insurance prices change constantly, so drivers shouldn’t be reluctant to switch companies if you can find a cheaper rate.

Having brand loyalty is commendable, but it’s not a great idea if that faithfulness ends up costing you a small fortune. If you have a few minutes, compare prices to find cheaper auto insurance for college graduates in Oklahoma City.