The words “cheap” and “auto insurance” probably shouldn’t be used in the same sentence, in particular when searching for the best price on coverage for 4×4 vehicles. Because of the high cost, let’s start the ball rolling by going over a few of the factors that have a considerable impact on insurance premiums, and figure out some ideas to take the bite out of your next policy.
The make and model of vehicle needing coverage is a significant factor when quoting the most affordable coverage for 4×4 vehicles. Vehicles with average performance, advanced safety features, or a low likelihood of having liability claims will cost less to insure than adrenaline junky models. The next table showcases car insurance rates for the more affordable vehicles to buy coverage for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $914 |
| Honda CR-V EX 2WD | $998 |
| Toyota Prius | $1,014 |
| Ford Focus SE 4-Dr Sedan | $1,059 |
| Ford Edge SEL 2WD | $1,066 |
| Chevrolet Equinox LT AWD | $1,082 |
| Toyota RAV4 2WD | $1,091 |
| Dodge Grand Caravan SXT | $1,103 |
| Hyundai Elantra SE Touring Station Wagon | $1,119 |
| Ford Explorer XLT AWD | $1,143 |
| Toyota Corolla XRS | $1,159 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $1,167 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,159 |
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Data variables include married male 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, claim-free, and multi-policy. Price information does not factor in zip code location which can affect price quotes greatly.
Looking at the numbers, you can presume that makes and models like the Ford Escape, Honda CR-V, and Toyota Prius are going to be some of the more affordable vehicles to insure for off-road vehicles.
Buying cheap car insurance is difficult, and finding out which company quotes the cheapest insurance rates for 4×4 vehicles will involve even more shopping around.
Every car insurance company uses their own calculation for determining rates in each state, so we’ll take a look at the insurance companies that tend to be cheaper in Tulsa, OK.
Best Car Insurance Prices for 4×4’s
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,150 |
| 2 | Oklahoma Farmers Union | $1,166 |
| 3 | The Hartford | $1,333 |
| 4 | Safe Auto | $1,377 |
| 5 | Farmers | $1,380 |
| 6 | GEICO | $1,394 |
| 7 | State Farm | $1,583 |
| 8 | Liberty Mutual | $1,852 |
| 9 | Travelers | $1,925 |
| 10 | Mercury | $1,973 |
| 11 | OK Farm Bureau | $1,997 |
| 12 | Shelter | $2,108 |
| 13 | MetLife | $2,147 |
| 14 | Home State | $2,149 |
| 15 | Progressive | $2,245 |
| 16 | Allstate | $2,448 |
| 17 | Safeco | $5,158 |
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USAA quotes some of the cheapest car insurance rates in Tulsa at around $1,150 annually. This is $817 less than the average policy premium paid by Oklahoma drivers of $1,967. Oklahoma Farmers Union, The Hartford, Safe Auto, and Farmers would also make the list of some of the cheapest Tulsa, OK auto insurance companies.
In this example, if you buy coverage from Safe Auto and switched to USAA, you might see an annual premium reduction of in the neighborhood of $227. Customers with Farmers could save as much as $230 a year, and GEICO policyholders might cut rates by $244 a year.
To see how much you can save, click here to start your free quote or visit any of the companies below.
Bear in mind that those rates are averages for all drivers and vehicles and do not take into consideration an exact location for 4×4 vehicles. So the insurer that is most affordable for your situation may not even be in the top 17 companies in the list above. That’s why you need to get rate quotes from many companies using your own driver and vehicle profiles.
For off-road vehicles, one of the more important considerations that aid in calculating auto insurance rates is where you choose to live. Areas with increased crime or more people will most likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates profit from lower rates.
The next table sorts the highest-priced places in Oklahoma for 4×4 vehicles to buy car insurance in. Tulsa ranks #3 costing $2,192 for the average insurance policy, which is approximately $183 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Del City | $2,243 |
| 2 | Bethany | $2,223 |
| 3 | Tulsa | $2,192 |
| 4 | Midwest City | $2,184 |
| 5 | Sand Springs | $2,161 |
| 6 | Bixby | $2,147 |
| 7 | Broken Arrow | $2,130 |
| 8 | Oklahoma City | $2,113 |
| 9 | Moore | $2,090 |
| 10 | Sapulpa | $2,081 |
| 11 | Yukon | $2,076 |
| 12 | Claremore | $2,069 |
| 13 | Owasso | $2,064 |
| 14 | Edmond | $2,042 |
| 15 | Norman | $2,033 |
| 16 | Stillwater | $1,989 |
| 17 | Ponca City | $1,976 |
| 18 | Shawnee | $1,968 |
| 19 | Ardmore | $1,955 |
| 20 | Lawton | $1,941 |
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Price information shown is estimated as the vehicle garaging location can lower or raise prices considerably.
Insurance company ratings
Picking the right insurer can be rather challenging considering how many companies are available to choose from in Tulsa. The company ratings below may help you decide which auto insurers you want to consider when comparing rate quotes.
The rankings below are for large insurance companies, so companies without a large exposure will not be included in this list. To check rates from the most competitive companies in Oklahoma, click this link.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Liability only or full coverage
Reducing the cost of insurance should be important to the majority of vehicle owners, and one great way to find cheaper insurance for 4×4 vehicles is to only buy liability insurance. The example below shows the difference between auto insurance rates with full coverage and liability only. The costs are based on no claims or driving violations, $100 deductibles, single marital status, and no discounts are applied.
Averaged for all age groups, physical damage coverage costs an extra $3,436 per year over and above liability only. Many of you may wonder if paying for full coverage is a waste of money. There is no set rule to stop buying physical damage insurance, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your vehicle’s replacement value is $12,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $11,000 after paying your policy deductible. If you are paying more than $1,100 a year for your policy with full coverage, then it might be time to consider dropping full coverage.
There are some cases where only buying liability is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should maintain full coverage.
Poor driving habits will raise your insurance rates
A great way to obtain the best insurance premiums for off-road vehicles is to drive safe and not receive tickets or have accidents. The example below illustrates how speeding tickets and at-fault accidents can affect car insurance costs for different age groups. The price estimates are based on a married male driver, full coverage, $500 deductibles, and no additional discounts are factored in.
In the previous example, the average cost of auto insurance per year with a clean driving record and no accidents is $1,796. Receive two speeding tickets and the average cost increases to $2,472, an increase of $676 each year. Then throw in two accidents along with the two speeding tickets and the yearly cost of insurance for 4×4 vehicles jumps again to an average of $5,117. That’s an increase of $3,321, or $277 per month, just for not driving attentively!
The agents shown below can probably provide answers to your questions and help you determine which auto insurance coverages would be the best in your situation, as some people have coverage questions and would like to get some guidance when shopping for cheaper insurance for off-road vehicles. It can be challenging to find the best policy on your own, and using a licensed agent can provide you comfort knowing your coverage gives you sufficient protection if you have a claim. To locate a Tulsa insurance agent using an interactive map, click the button after the list or click here to compare rates now.
- Best Insurance Inc.
1618 W 51st St – Tulsa, OK 74107 – (918) 949-3555 - State Farm: Anita Ewing –
10021 S Yale Ave #102 – Tulsa, OK 74137 – (918) 298-2100 - Beverly Young – State Farm Insurance Agent
7112 S Mingo Rd #102b – Tulsa, OK 74133 – (918) 250-1550 - Bobby Williamson – State Farm Insurance Agent
7992 S Sheridan Rd – Tulsa, OK 74133 – (918) 935-2000 - Ed Martinez Jr – State Farm Insurance Agent
3125 S Yale Ave a – Tulsa, OK 74135 – (918) 742-3131