How Much is Auto Insurance for Electric Cars in Oklahoma City?

The make and model of vehicle that is being insured is one of the largest considerations when comparing cheap coverage for electric cars. Vehicles with higher performance, poor safety features, or a high likelihood of having liability claims will cost much more to insure than more economical and safe models.

The information below ranks auto insurance rates for a handful of the most budget-friendly automobiles to buy insurance for.

Cheapest Vehicles to Insure in Oklahoma City, OK
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $1,045
Honda CR-V LX 4WD $1,198
Chevrolet Equinox LT AWD $1,240
Dodge Grand Caravan Hero $1,249
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,263
Hyundai Elantra Blue 4-Dr Sedan $1,279
Ford Focus SES 4-Dr Sedan $1,285
Ford Escape XLT 2WD $1,286
Ford Edge SE 2WD $1,319
Nissan Rogue S AWD $1,331
Chevrolet Silverado LT Regular Cab $1,337
Honda Civic EX-L 4-Dr Sedan $1,368
Ford F-150 XL Crew Cab 4WD $1,372
Chevrolet Impala LS $1,393
Toyota RAV4 Limited 4WD $1,421
Toyota Prius $1,426
GMC Sierra 2500HD SLE Extended Cab 2WD $1,481
Chevrolet Silverado 2500HD LT Extended Cab Diesel 2WD $1,505
Jeep Grand Cherokee Laredo 2WD $1,519
Toyota Camry LE $1,529
Ford F-250 XL Super Cab Turbo Diesel 4WD $1,523
Dodge Ram 2500 Mega Cab Laramie 4WD $1,528
Ford Explorer Eddie Bauer AWD $1,549
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rate information does not factor in specific garaging location which can lower or raise premiums noticeably.

Based on these rates, we can assume that cars like the Honda Accord, Honda CR-V, and Chevrolet Equinox are likely to be the cheaper vehicles to insure for eco-friendly vehicles.

One of the more important factors that are used to help calculate the price you pay for insurance is where you live. Cities with more crime and/or more people tend to have higher auto insurance costs, whereas areas that tend to be more rural can boast about having cheaper rates.

The information below shows the highest-priced areas in Oklahoma for electric cars in which to purchase auto insurance. Oklahoma City ranks #9 with an annual cost of $2,113 for the average policy, which is about $176 each month.

Car insurance prices in Oklahoma City
Rank City Annual Premium
1 Sand Springs $2,227
2 Del City $2,221
3 Broken Arrow $2,216
4 Midwest City $2,205
5 Tulsa $2,192
6 Bixby $2,169
7 Bethany $2,135
8 Owasso $2,127
9 Oklahoma City $2,113
10 Edmond $2,105
11 Moore $2,090
12 Sapulpa $2,081
13 Norman $2,075
14 Claremore $2,048
15 Yukon $2,015
16 Bartlesville $2,000
17 Stillwater $1,970
18 Shawnee $1,968
19 Ardmore $1,955
20 Muskogee $1,943
21 Enid $1,942
22 Ponca City $1,898
23 Duncan $1,885
24 Lawton $1,884
25 Altus $1,820
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Premium costs are estimated as specific location information can impact insurance rates noticeably.

Trying to buy reasonably-priced auto insurance is not most people’s favorite thing to do, and deciding which company quotes the most affordable car insurance rates for electric cars calls for even more rate comparisons. Each company has a unique approach for establishing rates, so first we will examine the lowest cost car insurance companies in Oklahoma City, OK.

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Cheapest insurance companies in Oklahoma
Rank Company Cost Per Year
1 Oklahoma Farmers Union $1,190
2 USAA $1,196
3 The Hartford $1,373
4 Farmers $1,380
5 GEICO $1,381
6 Safe Auto $1,419
7 State Farm $1,568
8 Liberty Mutual $1,816
9 Travelers $1,925
10 OK Farm Bureau $1,997
11 Mercury $2,053
12 Home State $2,149
13 Shelter $2,194
14 MetLife $2,235
15 Progressive $2,245
16 Allstate $2,400
17 Safeco $5,056
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Oklahoma Farmers Union quotes some of the most affordable car insurance rates in Oklahoma City at around $1,190 each year. This is $777 less than the average rate paid by Oklahoma drivers of $1,967. USAA, The Hartford, Farmers, and GEICO also rank well as some of the most economical Oklahoma City, OK car insurance companies.

As shown in the rates above, if you currently have a policy with USAA and switched to Oklahoma Farmers Union, you may realize savings of approximately $6. Policyholders with The Hartford might save as much as $183 a year, and Farmers policyholders might see rate reductions of $190 a year.

If you would like to find cheaper car insurance rates, click here to get quotes or click through to the companies below.

Understand that those policy rates are averaged across all drivers and vehicles and are not factoring in a specific zip code for electric cars. So the company that can offer you the lowest price may not even be in the top 17 companies shown above. That affirms the importance of why you need to compare as many prices as possible using your own specific driver and vehicle information.

Discount Oklahoma City auto insurance

Car insurance for eco-friendly vehicles in Oklahoma City, OKInsurers that provide policies for electric cars could also offer discounts that can lower rates by as much as 35% if you are eligible to receive them. The best car insurance companies and some of the discounts can be found below.

The chart below shows the difference between auto insurance costs with and without policy discounts. The premium estimates are based on a female driver, no accidents, no driving violations, Oklahoma state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with claim-free, homeowner, anti-theft, multiple vehicle, marriage, and passive restraint discounts applied. When drivers qualify for the discounts, the average amount saved each year on car insurance for electric cars is 28% or $558.

Buying coverage from the top car insurance provider is hard considering how many companies provide coverage in Oklahoma. The company information displayed below could help you select which providers to look at purchasing a policy from. These ratings are only made up of large insurance companies, so companies that only write business in Oklahoma or surrounding areas will not be included in these rankings.

Best 15 Car Insurance Companies for Electric Cars in Oklahoma
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
21st Century 86 82 90 84% A 86.4
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Data Source: Best Car Insurance Companies

Last year’s bargain might be this year’s rip off

Oklahoma City, OK car insurance rates are determined by lots of factors that can increase the cost of a policy. Turning one year older, buying another vehicle, or getting a ticket for careless driving can trigger changes in premium that may make certain companies more affordable than the competition.

Not only may your situation change, but insurers change premium rates every year or even multiple times each year as an adjustment for underwriting gains or losses. A period of increased losses may cause higher priced premiums, while lower claim levels may cause more affordable Oklahoma City car insurance rates.

The bar chart below shows the companies that have the cheapest car insurance in Oklahoma City, OK for a 35-year-old female driver with a good driving record, no prior claims, and a high credit rating. If we compare prices based on her current risk profile, USAA might offer the cheapest car insurance rates in Oklahoma City at $1,335 annually. This is $632 less than the average policy premium paid by Oklahoma drivers of $1,967. Oklahoma Farmers Union, Safe Auto, The Hartford, and GEICO round out the rest of the best Oklahoma City, OK auto insurance companies.

The next chart shows rates after we give the driver from the first set of rates a couple of claims, a lower credit score, and a couple of points charged on her driving record. Since each auto insurer has their own formula for determining prices, comparing quotes may now result in a different list of the cheapest Oklahoma City car insurance companies as shown below.

State Farm now has the best auto insurance rate in Oklahoma City with Oklahoma Farmers Union, Liberty Mutual, Travelers, and The Hartford now rounding out the top five. This demonstrates why Oklahoma drivers need to compare many different companies to get the cheapest insurance quotes for electric cars. Prices can be determined by many factors and can change substantially, so the best price the last time you compared rates may now be an over-priced policy.