How Much are Auto Insurance Rates for Safe Drivers in Oklahoma City?

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.

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What’s the cheapest car insurance in Oklahoma?
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.

Cheapest Vehicles to Insure in Oklahoma City, OK
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
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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.

Best 15 Insurance Companies for Safe Drivers 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

Discount Oklahoma City insurance

Discounts on insurance for safe driversAuto 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.

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.

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.

View map of Oklahoma City, OK insurance agents