How Much are Car Insurance Rates for Seniors in Oklahoma City?

For senior citizens, one of the big considerations that are used to help calculate the amount you pay each year for auto insurance is where your car is garaged. More populated areas are more likely to pay higher prices, whereas areas with less crime or weather claims benefit from lower rates.

The following table sorts the most expensive areas in Oklahoma for seniors to buy an auto insurance policy in. Oklahoma City comes in at #9 with an annual cost of $2,113 for coverage, which is about $176 each month.

How much is car insurance in Oklahoma City?
Rank City Annual Premium
1 Tulsa $2,192
2 Bethany $2,157
3 Del City $2,155
4 Broken Arrow $2,151
5 Owasso $2,148
6 Bixby $2,147
7 Sand Springs $2,139
8 Midwest City $2,119
9 Oklahoma City $2,113
10 Edmond $2,105
11 Sapulpa $2,102
12 Moore $2,090
13 Claremore $2,069
14 Shawnee $2,028
15 Yukon $2,015
16 Norman $2,013
17 Muskogee $1,962
18 Ardmore $1,955
19 Duncan $1,942
20 Lawton $1,941
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Price information shown is estimated as specific Oklahoma City garaging address can impact rates considerably.

The make and model of vehicle on the policy is probably the biggest factor that determines the availability of the most affordable insurance for seniors. Vehicles with higher performance, a lack of advanced safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than more modest models. The next list ranks coverage prices for a selection of the most economical vehicles to insure in Oklahoma.

Cheapest Vehicles to Insure in Oklahoma City, OK
Insured Vehicle Estimated Cost for Full Coverage
Ford Escape XLS 4WD $893
Honda CR-V LX 4WD $900
Honda Accord LX-P 4-Dr Sedan $893
Toyota Prius $993
Dodge Grand Caravan SE $1,000
Honda Odyssey EX W/Rear Entertainment $1,032
Ford Focus S 4-Dr Sedan $1,041
Chevrolet Impala LS $1,032
Toyota Tacoma 2WD $1,037
Volkswagen Jetta S 4-Dr Sedan $1,055
Nissan Altima 2.5 4-Dr Sedan $1,060
Toyota Camry LE $1,055
Toyota RAV4 2WD $1,061
Ford Explorer Limited AWD $1,077
Dodge Ram Quad Cab ST 2WD $1,084
Ford F-150 Lariat Crew Cab 4WD $1,077
Hyundai Elantra SE 4-Dr Sedan $1,111
Toyota Corolla S $1,121
Ford Edge Sport 2WD $1,111
GMC Sierra SLE Crew Cab 2WD $1,132
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Table data represents married female driver age 60, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rates do not factor in specific garaging location which can decrease or increase coverage prices significantly.

Looking at the data, you can conclude that vehicles like the Ford Escape, Honda CR-V, Honda Accord, and Toyota Prius will be the most affordable vehicles to insure for senior citizens.

How careless driving impacts Oklahoma City insurance rates

The obvious way to obtain the best insurance premiums for senior citizens is to be a safe driver and not get tickets or have accidents. The information below shows how speeding tickets and accidents can affect insurance prices for different ages of insureds. The rates are based on a single male driver, full coverage, $100 deductibles, and no discounts are factored in.

In the example above, the average cost of auto insurance in Oklahoma City per year with no accidents and a clean driving record is $2,564. Add in one speeding ticket and the average cost surges to $2,887, an increase of $323 each year. Then include two accidents along with the one speeding ticket and the yearly cost of insurance for seniors jumps again to an average of $5,607. That’s an increase of $3,043, or $254 per month, just for not maintaining a clean driving record!

Buying coverage from a high-quality company can be a challenge considering how many companies sell insurance in Oklahoma. The company rank data displayed below could help you analyze which car insurance providers to look at when shopping around.

The ratings below are for companies who write in the majority of U.S. states, so smaller companies are not taken into consideration for this list. If you wish to compare prices from many more Oklahoma auto insurance companies, follow this link.

Top 10 Major Auto Insurance Companies Overall in Oklahoma City

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

The professional agents shown below can aid you in deciding which policy fits your needs best, as some people have coverage questions and would like to have professional advice when comparing insurance rates for seniors. It can be time-consuming to find the best policy on your own, so agents can give peace of mind knowing your coverage gives you adequate protection in the event of a claim.

To locate an Oklahoma City car insurance agency close to where you live, click the button at the bottom.

More Oklahoma City, OK insurance agents

How to find low-cost car insurance for seniors

The list below summarizes a few money-saving ideas that can help drivers buy cheaper coverage.

The last suggestion is certainly necessary, as we hit on in the article above. Rates go up and down frequently, so don’t be afraid to buy from a different company if a more affordable price is available.

Many drivers have brand loyalty and that’s fine, but it’s not recommended if your bullheadedness ends up costing you thousands of dollars over several years. In less than five minutes you could compare prices to find cheaper insurance for seniors in Oklahoma City.