Finding decent, cost effective auto insurance is difficult, and figuring out which insurers offer the best insurance rates for safe drivers calls for even more diligence. Each auto insurance company uses their own calculation to determine rates, so let’s begin by taking a look at the insurance companies with the overall best prices in Oklahoma City, OK.
It’s important that readers know that Oklahoma insurance rates are determined by lots of factors that will increase or decrease the price you pay. That is why Oklahoma drivers need to shop around to find the cheapest car insurance quotes for safe drivers. Insurance prices can be determined by many different factors and can change without notice, so the best price when you last compared rates may now be quite expensive.
Compare Cheap Insurance Quotes for Safe Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Oklahoma Farmers Union | $1,166 |
| 2 | USAA | $1,196 |
| 3 | GEICO | $1,340 |
| 4 | The Hartford | $1,373 |
| 5 | Safe Auto | $1,377 |
| 6 | Farmers | $1,436 |
| 7 | State Farm | $1,568 |
| 8 | Travelers | $1,849 |
| 9 | Liberty Mutual | $1,852 |
| 10 | Mercury | $1,993 |
| 11 | OK Farm Bureau | $2,079 |
| 12 | Home State | $2,128 |
| 13 | Shelter | $2,129 |
| 14 | MetLife | $2,213 |
| 15 | Progressive | $2,245 |
| 16 | Allstate | $2,448 |
| 17 | Safeco | $5,209 |
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Oklahoma Farmers Union normally has some of the most affordable car insurance rates in Oklahoma City at around $1,166 annually. This is $801 less than the average price paid by Oklahoma drivers of $1,967. USAA, GEICO, The Hartford, and Safe Auto also rank well as some of the more affordable Oklahoma City, OK insurance companies.
In this example, if you are currently insured with Safe Auto and switched to USAA, you might realize an annual savings of approximately $181. Insureds with Farmers may save as much as $240 a year, and State Farm insureds might reduce prices by as much as $372 a year.
To find the cheapest coverage for you, click here to start your free quote or quote prices from the following companies.
Understand that those rates are averages across all types of insureds and vehicles and do not take into consideration an exact location for safe drivers. So the company that has the cheapest rates for you may not even be in the top 17 companies shown above. That emphasizes why you need to get rate quotes using your own individual information.
The vehicle model you are trying to insure is probably the largest consideration when comparison shopping for low-cost coverage for safe drivers. Vehicles with lower acceleration and performance, a plethora of safety features, or low incidents of liability claims will cost much less to insure than high performance models. The information below ranks car insurance costs for a handful of the most cost-effective automobiles to buy insurance for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $1,070 |
| Honda Accord EX 4-Dr Sedan | $1,198 |
| Jeep Grand Cherokee Laredo 4WD | $1,240 |
| Chevrolet Malibu LS | $1,245 |
| Ford Escape XLT 2WD | $1,286 |
| Toyota Tacoma X-Runner 2WD | $1,305 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,310 |
| Toyota Prius | $1,326 |
| Chevrolet Equinox LTZ 2WD | $1,328 |
| Honda Odyssey Touring | $1,337 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,331 |
| Chevrolet Silverado LT Extended Cab 2WD | $1,341 |
| GMC Sierra 3500HD SLE Regular Cab 2WD | $1,351 |
| Ford F-150 Lariat Crew Cab Harley 4WD | $1,358 |
| GMC Sierra 2500HD SLT Crew Cab 4WD | $1,391 |
| Chevrolet Impala LS | $1,393 |
| Ford Focus SES 2-Dr Coupe | $1,396 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,400 |
| Ford Fusion SEL AWD 4-Dr Sedan | $1,414 |
| Toyota RAV4 Sport 2WD | $1,421 |
| Dodge Grand Caravan CV | $1,440 |
| Dodge Ram 2500 Mega Cab SLT 2WD | $1,481 |
| Ford Edge Limited 2WD | $1,488 |
| Compare Rates Now Go | |
Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Estimates do not factor in specific location which can impact premium rates substantially.
Based on these rates, makes and models like the Honda CR-V, Honda Accord, Jeep Grand Cherokee, Chevrolet Malibu, and Ford Escape should be some of the most budget-friendly vehicles to insure for good drivers.
Selecting a highly-rated insurance company is difficult considering how many companies there are in Oklahoma. The rank data shown next may help you pick which coverage providers you want to consider purchasing coverage from. These rankings are only made up of large nationwide companies, so smaller companies that only insure vehicles in Oklahoma are not included in this list.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Discount Oklahoma City insurance
Auto insurance companies that offer cheap quotes for safe drivers may also offer discounts that could lower prices by as much as 35% if you meet the requirements. Large insurance companies and their offered discounts are shown below.
- State Farm may have discounts that include driver’s education, good student, passive restraint, Drive Safe & Save, and Steer Clear safe driver discount.
- Esurance may include discounts for online shopper, Pac-12 alumni, good student, Switch & Save, DriveSense, emergency road assistance, and defensive driver.
- Progressive includes discounts for multi-policy, multi-vehicle, homeowner, good student, online quote discount, continuous coverage, and online signing.
- Liberty Mutual offers discounts for new graduate, hybrid vehicle, safety features, new move discount, newly married, and exclusive group savings.
- Auto-Owners Insurance offers discounts including teen driver, multiple vehicles, mature driver, paperless, company car, multi-policy, and anti-lock brakes.
- GEICO policyholders can earn discounts including military active duty, air bags, membership and employees, anti-theft, anti-lock brakes, seat belt use, and defensive driver.
The example below shows the difference between insurance premiums with and without some available policy discounts. The data is based on a male driver, no accidents or driving violations, Oklahoma state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with homeowner, anti-theft, multiple vehicle, safe-driver, passive restraint, and defensive driving course discounts applied. In this example, theaverage yearly reduction on insurance for safe drivers is 28% or $585.
Don’t make the mistake of not shopping around
Oklahoma insurance rates are determined by lots of factors which can significantly increase or decrease the price of coverage. Simply having another birthday, having a teenage driver, or having an accident may cause policy rate changes that can make some companies cheaper than competitors.
In addition, insurers change prices as needed to reflect underwriting profits or losses. Higher than normal claim frequency or severity can result in a rate increase, while profitable underwriting may cause more affordable Oklahoma City car insurance rates.
To illustrate this example, the data below compares the cheapest car insurance in Oklahoma City, OK for a 40-year-old male driver with no prior claims, no tickets, and good credit. If we estimate rates based on his personal risk profile, USAA may have the best 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, The Hartford, GEICO, and Safe Auto are also on the list of the cheapest Oklahoma City, OK auto insurance companies.
The chart below compares rates after we give the driver from above a chargeable claim, bad credit, and a traffic citation. Because each company has their own formula for determining prices, getting updated rate quotes may now result in a different list of the cheapest companies as shown below.
State Farm now has the lowest price on auto insurance in Oklahoma City, OK with Oklahoma Farmers Union, Liberty Mutual, Travelers, and The Hartford now being in the top five. This example demonstrates why Oklahoma City drivers need to take the time to shop around when trying to get cheap auto insurance quotes for safe drivers. Car insurance prices are calculated by many different factors and change substantially, so the lowest-price company the last time you shopped your coverage around may now be costing you a lot of money.
Tips for finding economical auto insurance for safe drivers
It is possible to find better rates, and here are some thrifty ideas that can help you get cheap coverage.
- Avoid preventable accidents
- Bundle home and auto and save
- Frequent claims will increase rates
- Raise your deductibles
- Do not get traffic tickets
- Good credit scores may lower your rates
- Keep rates low by shopping around frequently
The last suggestion is highly necessary, as was pointed out in the article above. Insurance rates can be changed at any time, so don’t hesitate to switch to a new company if a cheaper price is available. Having a favorite company is fine, but is isn’t recommended if that loyalty results in overpaying several hundred dollars every year. Spend a few minutes and compare rates to find cheaper auto insurance for safe drivers in Oklahoma City.
The Oklahoma City auto insurance agencies shown below can most likely answer your questions and help you decide which insurance coverage you need, as some drivers wish to have professional advice when shopping around for cheaper insurance for safe drivers. It can be time-consuming to find the best coverage on your own, and getting advice from a licensed agent can add comfort knowing your coverage gives you sufficient coverage for your assets.
To locate an agency close to where you live, click the button at the bottom of the list.
- Jerry Black – State Farm Insurance Agent
12325 N May Ave #117 – Oklahoma City, OK 73120 – (405) 751-1860 - Ken Shelton – State Farm Insurance Agent
10901 S Western Ave a – Oklahoma City, OK 73170 – (405) 378-0407 - Shelton Agency
6401 NW Expressway # 100B – Oklahoma City, OK 73132 – (405) 384-1518 - Perimeter Insurance
4200 Perimeter Center Dr – Oklahoma City, OK 73112 – (405) 778-8880 - Rita Wallenberg – State Farm Insurance Agent
2833 SW 119th St – Oklahoma City, OK 73170 – (405) 691-2464