What is the Best Car Insurance in Oklahoma?

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.

How much does car insurance cost in Oklahoma?
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
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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

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What’s the cheapest car insurance in Oklahoma?
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
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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.

Cheapest Vehicles 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
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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.

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.

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