Writing this article would sure be easy if we could tell you the one company in Tulsa that has the best car insurance rates in Oklahoma. It’s not quite that easy, unfortunately, as there are a whole slew of unknown elements like your gender, if you are a good driver, the performance level of your vehicle, and how well you maintain your credit, that all factor into the price you pay. We will touch on the best ways to save on auto insurance and should give you a good beginning to your quest for cheaper car insurance.
The type of vehicle you are buying coverage for is one of the main factors that determines the availability of cheap insurance for drivers with accidents. Vehicles with limited speed and performance, a great safety record, or a track record of few liability claims will cost quite a bit less to insure than high performance models.
The next list estimates auto insurance prices for a handful of the cheapest automobiles to insure in Oklahoma.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $2,683 |
| Honda Accord EX 4-Dr Sedan | $2,825 |
| Honda CR-V EX-L 4WD | $2,832 |
| Ford Escape Limited 4WD | $2,882 |
| Toyota Prius | $3,083 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $3,133 |
| Toyota Tacoma 4WD | $3,140 |
| Chevrolet Impala LS | $3,150 |
| Dodge Grand Caravan CV | $3,173 |
| Ford Explorer XLT 2WD | $3,178 |
| Toyota RAV4 Limited 4WD | $3,185 |
| Ford F-150 XLT Super Cab 4WD | $3,215 |
| Chevrolet Malibu LT | $3,217 |
| Ford Edge Limited 2WD | $3,269 |
| Chevrolet Equinox LT AWD | $3,349 |
| Toyota Corolla XLE | $3,355 |
| Honda Odyssey Touring | $3,381 |
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Data variables include married male driver age 40, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Table data does not factor in zip code location which can raise or lower prices substantially.
By looking at the data, we can infer that makes and models like the Hyundai Elantra, Honda Accord, Honda CR-V, Ford Escape, and Toyota Prius are most likely going to be a few of the most affordable vehicles to insure for drivers with at-fault accidents. Prices will tend to be more expensive just because there is more liability exposure for drivers with accidents, but in general those vehicles will have the cheapest auto insurance rates possible.
Determining which company has the best car insurance rates for drivers with accidents takes more time than just comparing rates from one or two companies. Every car insurance company has a different process for determining rates in each state, so let’s examine the car insurance companies with the most affordable rates in Oklahoma.
It’s important to know that Tulsa car insurance rates are impacted by many factors that control the policy price. Simply turning a year older, getting married, or getting caught speeding may generate price changes that can now make some companies cheaper than competitors.
Compare Cheap Insurance Quotes for Accident Prone Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,150 |
| 2 | Oklahoma Farmers Union | $1,166 |
| 3 | The Hartford | $1,359 |
| 4 | GEICO | $1,394 |
| 5 | Safe Auto | $1,419 |
| 6 | Farmers | $1,422 |
| 7 | State Farm | $1,536 |
| 8 | Liberty Mutual | $1,816 |
| 9 | Travelers | $1,849 |
| 10 | OK Farm Bureau | $2,018 |
| 11 | Mercury | $2,053 |
| 12 | Shelter | $2,108 |
| 13 | MetLife | $2,147 |
| 14 | Home State | $2,149 |
| 15 | Progressive | $2,157 |
| 16 | Allstate | $2,376 |
| 17 | Safeco | $5,005 |
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USAA quotes some of the most affordable car insurance rates in Tulsa at around $1,150 per year. This is $817 less than the average price paid by Oklahoma drivers of $1,967. Oklahoma Farmers Union, The Hartford, GEICO, and Safe Auto also rank well as some of the lowest-priced Tulsa, OK auto insurance companies.
As shown in the table above, if you have coverage with Oklahoma Farmers Union and switched to USAA, you might achieve a yearly price reduction of around $16. Oklahoma drivers with The Hartford may save as much as $209 a year, and GEICO insureds might lower prices by up to $244 a year.
Understand that those policy prices are averages across all types of insureds and vehicles and do not take into consideration an exact zip code location for drivers with accidents. So the insurer that can offer the best rates for your situation may not even be in the list above. That’s why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.
For drivers with at-fault accidents, one of the big components that help determine the amount you pay each year for auto insurance is where you keep your car. Areas with more people or even just a higher incidence of claims tend to have more expensive auto insurance rates, whereas areas with less crime or weather claims have the luxury of lower rates.
The information below rates the highest-priced areas in Oklahoma for drivers with accidents to buy an auto insurance policy in. Tulsa ranks #5 with an annual premium of $2,215 for the average policyholder, which is approximately $185 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Bixby | $2,235 |
| 2 | Sand Springs | $2,227 |
| 3 | Bethany | $2,223 |
| 4 | Del City | $2,221 |
| 5 | Tulsa | $2,215 |
| 6 | Broken Arrow | $2,195 |
| 7 | Midwest City | $2,140 |
| 8 | Edmond | $2,126 |
| 9 | Oklahoma City | $2,113 |
| 10 | Sapulpa | $2,102 |
| 11 | Yukon | $2,076 |
| 12 | Norman | $2,075 |
| 13 | Moore | $2,069 |
| 14 | Owasso | $2,064 |
| 15 | Shawnee | $2,028 |
| 16 | Claremore | $2,008 |
| 17 | Ardmore | $1,955 |
| 18 | Duncan | $1,942 |
| 19 | Bartlesville | $1,941 |
| 20 | Ponca City | $1,918 |
| 21 | Stillwater | $1,911 |
| 22 | Muskogee | $1,905 |
| 23 | Enid | $1,904 |
| 24 | Lawton | $1,884 |
| 25 | Altus | $1,876 |
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Rate information is estimated as specific Tulsa zip code can influence price quotes significantly.
The chart below highlights how deductible choice can affect annual premium costs when trying to find cheap insurance for drivers with accidents. The data is based on a married female driver, full physical damage coverage, and no additional discounts are factored in.
A 50-year-old driver could pocket $306 a year by increasing from a $100 deductible up to a $500 deductible, or save $464 by using a $1,000 deductible. Younger drivers, such as the 20-year-old example, have the ability to save $758 or even more by choosing a higher deductible.
When choosing a higher deductible, it’s a good idea to have emergency funds available to enable you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Safe drivers pay less for car insurance
In a perfect world, the best way to earn the most affordable car insurance premiums in Oklahoma for drivers with at-fault accidents is to be a good driver and avoid traffic citations and accidents. The chart below shows how speeding tickets and at-fault accidents impact insurance costs for each different age category. The rates are based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.
In the prior example, the average cost of a car insurance policy per year with no violations or accidents is $2,597. Get two speeding tickets and the average cost rises to $3,450, an increase of $853 each year. Now add in one accident along with the two speeding tickets and the yearly cost of car insurance for drivers with accidents increases to an average of $4,301. That’s an increase of $1,704, or $142 per month, just for being a less-than-perfect driver!
The benefit of shopping around
Tulsa, OK car insurance rates are based on many factors which can substantially decrease or increase the price you have to pay. Simply improving your credit, buying higher coverage limits, or getting a speeding ticket can cause premium changes that may make certain companies more affordable than before. Also, insurance companies amend pricing as often as every three months in order to protect their financial rating. Significantly higher losses can result in higher rates, while better underwriting may cause cheaper Tulsa car insurance rates.
For instance, the graph below shows a variety of companies that have the cheapest car insurance in Tulsa, OK for a 30-year-old male driver with no accidents or violations, and excellent credit. If we compare prices based on his current situation, USAA has the cheapest car insurance rates in Tulsa at $1,427 annually. This is $540 less than the average policy premium paid by Oklahoma drivers of $1,967. Oklahoma Farmers Union, GEICO, The Hartford, and Safe Auto are also on the list of the best Tulsa, OK auto insurance companies.
Now we will give the driver from above a chargeable accident, poor credit, and a couple of points charged on his driving record. Since each insurance company has their own unique process to set policy rates, analyzing rates may result in a slightly different list of cheap Tulsa auto insurance companies as shown below.
State Farm now has the best insurance rate in Tulsa, OK with Oklahoma Farmers Union, GEICO, Travelers, and Liberty Mutual also being competitive. This demonstrates why it is so important to compare rates to find the most economical car insurance rates for drivers with accidents. Car insurance prices can be determined by many things and can change without notice, so the best company a year ago may now be one of the higher cost companies.
Tips for buying the cheapest insurance for drivers with accidents
The list below summarizes some of the recommended money-saving suggestions that can help Tulsa drivers find low-cost coverage.
- Drive a car with a high safety rating
- Avoid having at-fault accidents
- Bundle home or renters insurance to earn a discount on car insurance
- Be a cautious driver
- Claim-free policyholders usually earn a discount
- Compare rate quotes frequently
That last tip is especially vital, as was pointed out in this write-up. Coverage rates can be modified anytime, so don’t be afraid to buy a policy from a new company if a better rate can be found.
Staying with the same company for years is fine, but is isn’t recommended if that loyalty ends up costing several hundred dollars every year. In just a few minutes you could compare prices to find cheaper auto insurance for drivers with accidents in Tulsa.