The words “cheap” and “insurance” really should not be used together, in particular when looking for the cheapest coverage for nurses. Let’s open your eyes to a few of the things the can have a considerable influence on auto insurance rates, and see if we can help you take the sting out of your next policy.
Finding out which company quotes the cheapest insurance rates for nurses involves a tad more effort than just picking a company at random. Each insurer uses their own formula to set premium rates, so we’ll go over the most budget-friendly insurance companies in Oklahoma City, OK.
Best Insurance Companies for Health Occupations
|Rank||Company||Cost Per Year|
|2||Oklahoma Farmers Union||$1,166|
|10||OK Farm Bureau||$2,018|
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USAA normally has some of the most affordable car insurance rates in Oklahoma City at around $1,150 per year. This is $817 less than the average rate paid by Oklahoma drivers of $1,967. Oklahoma Farmers Union, The Hartford, GEICO, and Safe Auto would also make the list of some of the cheaper Oklahoma City, OK insurance companies.
As depicted above, if you currently buy coverage from The Hartford and switched to USAA, you could earn a yearly price reduction of around $183. Oklahoma drivers with GEICO may save as much as $203 a year, and Safe Auto policyholders might lower prices by up to $213 a year.
To see how much you can save, click here to get a free quote or visit any of the companies below.
Bear in mind that those prices are averaged across all insureds and vehicles and are not factoring in a specific vehicle garaging location for nurses. So the car insurance company that can offer you the lowest price may not even be in the top 17 companies shown above. That underscores the importance of why you need to compare prices as often as possible using your own personal information and vehicle type.
The car, truck, or SUV that is being insured is one of the main factors when comparison shopping for affordable car insurance for nurses. Vehicles with average performance, advanced safety features, or a track record of few liability claims will cost quite a bit less to insure than fast, unsafe models.
The next table showcases insurance prices for a handful of the most budget-friendly vehicles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$1,045|
|Honda CR-V LX 4WD||$1,051|
|Hyundai Elantra GLS Touring Station Wagon||$1,198|
|Toyota Tacoma 2WD||$1,214|
|GMC Sierra SLE Regular Cab 2WD||$1,240|
|Chevrolet Impala LT||$1,246|
|Chevrolet Equinox LT 2WD||$1,240|
|Chevrolet Malibu LS||$1,249|
|Volkswagen Jetta S 2.5 Station Wagon||$1,300|
|Honda Odyssey EX-L W/Navigation||$1,305|
|Ford F-150 STX Regular Cab 2WD||$1,319|
|Chevrolet Silverado LTZ Crew Cab 4WD||$1,328|
|Jeep Wrangler Sport 4WD 2-Dr||$1,334|
|Hyundai Sonata GLS 4-Dr Sedan||$1,331|
|Ford F-350 Super Cab Harley Edition 2WD||$1,375|
|Nissan Altima 2.5 4-Dr Sedan||$1,421|
|Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD||$1,437|
|Ford Explorer XLT AWD||$1,440|
|Dodge Grand Caravan SXT||$1,447|
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Data based on 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, claim-free, multi-policy, homeowner, and safe-driver. Price information does not factor in specific location which can decrease or increase coverage rates noticeably.
Looking at the data, we can infer that cars like the Ford Escape, Honda CR-V, Toyota Prius, Hyundai Elantra, and Toyota Tacoma will be the less-costly vehicles to insure for health professionals.
For health professionals, one of the more important things that aid in calculating the amount you pay each year for auto insurance is where you keep your vehicle in Oklahoma City. Cities with larger populations or higher claim trends tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims benefit from lower prices.
The information below sorts the most expensive places in Oklahoma for nurses to buy an auto insurance policy in. Oklahoma City comes in at #8 with a yearly premium of $2,113 for the average policyholder, which is around $176 monthly.
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Premium costs are estimated as the specific Oklahoma City residence address can revise price quotes greatly.
Get discounts on Oklahoma City auto insurance rates
Insurance companies that provide coverage for nurses may also provide discounts that can reduce rates by as much as 30% if you are eligible for them. Larger insurance companies and a partial list of their discounts can be found below.
- 21st Century offers premium reductions for 55 and older, anti-lock brakes, air bags, automatic seat belts, student driver, good student, and homeowners.
- State Farm has savings for defensive driving training, anti-theft, multiple policy, safe vehicle, and student away at school.
- AAA may have discounts that include multi-car, multi-policy, pay-in-full, AAA membership discount, and anti-theft.
- Liberty Mutual includes discounts for new move discount, teen driver discount, multi-policy, hybrid vehicle, good student, newly married, and new graduate.
- Progressive has discounts for multi-policy, continuous coverage, online quote discount, multi-vehicle, homeowner, good student, and online signing.
The information below visualizes the comparison of insurance rates with and without discounts applied. The premiums are based on a male driver, no violations or accidents, Oklahoma state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with multiple vehicle, marriage, claim-free, multiple policy, accident-free, and homeowner discounts applied. With discounts applied, theamount saved on insurance for nurses is 28% or $525.
Insuring your vehicle with the top auto insurance provider is hard considering how many different companies sell coverage in Oklahoma City. The ranking data below can help you pick which auto insurance companies to look at when trying find the best insurance for nurses. These ratings only include the largest companies in America, so companies that only write business in Oklahoma or surrounding areas will not be included in the list.
Top 10 Major Car Insurance Companies in Oklahoma City Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- AAA Insurance
- The Hartford
Top 10 Major Car Insurance Companies in Oklahoma City Ranked by A.M. Best Rating
- Travelers – A++
- GEICO – A++
- State Farm – A++
- USAA – A++
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- The Hartford – A+
- Esurance – A+
- Progressive – A+
Irresponsible driving raises your rates
The obvious way to obtain the best insurance premiums in Oklahoma for health professionals is to be a safe driver and not receive tickets or have accidents. The illustration below highlights how speeding tickets and at-fault collisions drive up annual premium costs for different ages of insureds. The premium estimates are based on a single male driver, full coverage, $250 deductibles, and no discounts are taken into consideration.
In the previous chart, the average cost of an auto insurance policy per year with no violations or accidents is $3,141. Get two speeding tickets and the average cost surges to $4,166, an increase of $1,025 each year. Then include one accident along with the two speeding tickets and the yearly cost of insurance for nurses jumps again to an average of $5,211. That’s an increase of $2,070, or $173 per month, just for not being more responsible behind the wheel!