Which cities have cheaper car insurance in Oklahoma?
One of the more important components that are used to help calculate the amount you pay for auto insurance is your address in Oklahoma. Cities with more crime and/or more people like Tulsa, Sand Springs, and Midwest City tend to pay more, whereas areas with lower vehicle theft rates and fewer weather claims can boast about having cheaper rates.
The illustration below rates the highest-priced places in Oklahoma to purchase car insurance in.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Tulsa | $2,259 |
| 2 | Bixby | $2,213 |
| 3 | Sand Springs | $2,205 |
| 4 | Broken Arrow | $2,195 |
| 5 | Midwest City | $2,184 |
| 6 | Del City | $2,177 |
| 7 | Sapulpa | $2,165 |
| 8 | Moore | $2,153 |
| 9 | Owasso | $2,148 |
| 10 | Bethany | $2,135 |
| 11 | Oklahoma City | $2,113 |
| 12 | Norman | $2,075 |
| 13 | Edmond | $2,063 |
| 14 | Yukon | $2,015 |
| 15 | Claremore | $2,008 |
| 16 | Bartlesville | $2,000 |
| 17 | Shawnee | $1,968 |
| 18 | Enid | $1,961 |
| 19 | Lawton | $1,941 |
| 20 | Ardmore | $1,936 |
| 21 | Stillwater | $1,931 |
| 22 | Ponca City | $1,898 |
| 23 | Altus | $1,894 |
| 24 | Muskogee | $1,886 |
| 25 | Duncan | $1,866 |
| Compare Prices Now Go | ||
Rates are estimated as specific Oklahoma City garaging address can impact rates considerably.
Locating cheap car insurance is difficult, and determining which companies offer the cheapest auto insurance rates in Oklahoma City takes a little more work. Every car insurance company has their own unique process for determining rates in each state, so to begin we’ll rank the auto insurance companies with the most affordable rates in Oklahoma City, OK.
It’s important that readers know that Oklahoma City auto insurance rates are impacted by many factors which can substantially change the cost of having a policy. Things like having a birthday, filing a claim, or getting caught speeding can trigger price changes that can now make some companies affordable when they were higher priced.
Lowest Insurance Price Quotes in Oklahoma City
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,161 |
| 2 | Oklahoma Farmers Union | $1,202 |
| 3 | The Hartford | $1,373 |
| 4 | Safe Auto | $1,377 |
| 5 | GEICO | $1,381 |
| 6 | Farmers | $1,422 |
| 7 | State Farm | $1,583 |
| 8 | Travelers | $1,868 |
| 9 | Liberty Mutual | $1,871 |
| 10 | Mercury | $2,053 |
| 11 | OK Farm Bureau | $2,058 |
| 12 | Shelter | $2,129 |
| 13 | Progressive | $2,157 |
| 14 | Home State | $2,193 |
| 15 | MetLife | $2,235 |
| 16 | Allstate | $2,376 |
| 17 | Safeco | $5,005 |
| Find Your Rate Go | ||
USAA normally has some of the cheapest car insurance rates in Oklahoma City at around $1,161 each year. Oklahoma Farmers Union, The Hartford, Safe Auto, and GEICO also rank well as some of the more affordable Oklahoma City, OK car insurance companies.
As depicted above, if you currently have a policy with The Hartford and switched to USAA, you could earn yearly savings of about $212. Customers with Safe Auto could save as much as $216 a year, and GEICO policyholders might see rate reductions of $220 a year.
To get a fast rate comparison, click here to get quotes or quote rates from the companies below.
Remember that these premium estimates are averages across all drivers and vehicles and do not take into consideration a rate decrease in Oklahoma City. So the company that can offer the best rates for your situation may not even be in the top 17 companies shown above. That points out the importance of why you need to compare as many prices as possible using your own personal information and vehicle type.
The vehicle requiring insurance is one of the biggest factors when looking for affordable coverage in Oklahoma City. Vehicles with limited top-end speed, excellent safety ratings, or a low likelihood of having liability claims will cost much less to insure than fast, unsafe models.
The next list illustrates auto insurance rates for a number of the most affordable automobiles to insure in Oklahoma.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $1,447 |
| Honda Accord EX-L 4-Dr Sedan | $1,538 |
| Toyota Prius | $1,570 |
| Ford Escape XLT 2WD | $1,602 |
| Honda Odyssey EX W/Rear Entertainment | $1,645 |
| Chevrolet Malibu LS | $1,678 |
| Ford F-150 XL Super Cab 2WD | $1,699 |
| Dodge Grand Caravan SXT | $1,710 |
| Honda Civic LX-S 4-Dr Sedan | $1,737 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,746 |
| Toyota Camry SE | $1,769 |
| Jeep Grand Cherokee Limited 4WD | $1,801 |
| Toyota Corolla XRS | $1,806 |
| GMC Sierra SLE Regular Cab 2WD | $1,836 |
| Toyota RAV4 Limited 4WD | $1,842 |
| Chevrolet Impala LT | $1,836 |
| Ford Edge SE AWD | $1,849 |
| Volkswagen Jetta S 4-Dr Sedan | $1,892 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,922 |
| Ford Focus SES 4-Dr Sedan | $1,935 |
| Get a Custom Quote Go | |
Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in specific location information which can increase or decrease auto insurance rates substantially.
Looking at the rates, we can infer that cars like the Honda CR-V, Honda Accord, and Toyota Prius are some of the most economical vehicles to insure for drivers in Oklahoma City.
Driving violations and accidents
One of the best ways to find cheap insurance prices for drivers in Oklahoma City is to pay attention while driving and not receive tickets or have accidents. The example below shows how violations and at-fault accidents can influence insurance costs for different ages of insureds. The costs are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.
In the previous chart, the average cost of an auto insurance policy in Oklahoma City per year with a clean driving record and no accidents is $1,621. Add in one speeding ticket and the average cost increases to $1,890, an increase of $269 each year. Then include one accident along with the one speeding ticket and the yearly cost of insurance in Oklahoma City increases to an average of $2,636. That’s an increase of $1,015, or $85 per month, just for being a little careless behind the wheel!
How to find low-cost auto insurance in Oklahoma City
The list below summarizes many penny-pinching ideas that can help Oklahoma City drivers find low-cost coverage.
- Drivers with good credit ratings often pay less
- Be a safe driver
- Increase your physical damage deductibles
- Buy vehicles with good safety ratings
- Avoid having at-fault accidents
- Compare rates and switch if you can find a better deal
The last tip is extraordinarily critical, as was pointed out in the prior article. Prices in Oklahoma City can change considerably based on profitability, so don’t be unwilling to buy a different policy if you can find a cheaper rate. Staying with the same car insurance company is fine, but we do not recommend it if your bullheadedness ends up costing you a small fortune. In just a couple of minutes you could compare rates and find cheaper car insurance in Oklahoma City.
The insurance agencies listed below can most likely aid you in deciding which coverages you need, since some drivers wish to get help from a professional when comparing insurance rates in Oklahoma City. It can be complicated to find the best coverage on your own, and getting advice from a licensed agent can bring comfort knowing your policy gives you adequate coverage when you need it most.
To locate an agency closest to you, click the link at the bottom or click here to compare prices now.
- Marcia Corcoran – State Farm Insurance Agent
3135 NW 63rd St b – Oklahoma City, OK 73116 – (405) 848-8878 - Allstate Insurance: Gerald Jeter
11723 S Western Ave – Oklahoma City, OK 73170 – (405) 692-2411 - Chuck Davis – State Farm Insurance Agent
9315 S Pennsylvania Ave b – Oklahoma City, OK 73159 – (405) 378-8008 - GEICO Insurance Agent
6218 Northwest Expy – Oklahoma City, OK 73132 – (405) 384-1518