For teachers and educators, one of the largest components that are looked at to determine car insurance rates is where you live in Tulsa. Larger areas tend to have higher rates, whereas less populated areas tend to receive slightly lower rates.
The information below rates the most costly cities in Oklahoma for teachers to purchase auto insurance in. Tulsa comes in at #3 with an annual premium of $2,215 for the average policyholder, which is about $185 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Del City | $2,243 |
| 2 | Bethany | $2,223 |
| 3 | Tulsa | $2,215 |
| 4 | Sand Springs | $2,205 |
| 5 | Broken Arrow | $2,195 |
| 6 | Bixby | $2,169 |
| 7 | Moore | $2,153 |
| 8 | Midwest City | $2,119 |
| 9 | Oklahoma City | $2,113 |
| 10 | Sapulpa | $2,102 |
| 11 | Owasso | $2,085 |
| 12 | Norman | $2,075 |
| 13 | Edmond | $2,063 |
| 14 | Claremore | $2,048 |
| 15 | Yukon | $1,994 |
| 16 | Bartlesville | $1,981 |
| 17 | Stillwater | $1,970 |
| 18 | Shawnee | $1,968 |
| 19 | Enid | $1,961 |
| 20 | Ponca City | $1,898 |
| 21 | Ardmore | $1,898 |
| 22 | Muskogee | $1,886 |
| 23 | Duncan | $1,885 |
| 24 | Lawton | $1,884 |
| 25 | Altus | $1,876 |
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Premium amounts are estimated as the specific zip code location can decrease or increase insurance rates significantly.
The vehicle to be insured is probably the most important factor that determines if you can find the lowest-priced coverage for teachers. Vehicles with high performance, poor crash test ratings, or a history of substantial liability claims will cost substantially more to insure than more modest models. The next table showcases auto insurance premiums for some of the cheaper vehicles to insure.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,166 |
| Ford Explorer Eddie Bauer 2WD | $1,307 |
| Honda Accord LX-P 4-Dr Sedan | $1,314 |
| Ford Escape XLT 2WD | $1,322 |
| Chevrolet Impala LS | $1,358 |
| Chevrolet Malibu LT | $1,409 |
| Toyota Prius | $1,419 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,456 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,466 |
| Ford Fusion Sport 4-Dr Sedan | $1,482 |
| Ford Edge SEL 2WD | $1,485 |
| Toyota Tacoma 4WD | $1,495 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,485 |
| Chevrolet Equinox LT AWD | $1,514 |
| Toyota RAV4 4WD | $1,524 |
| Kia Optima EX | $1,580 |
| Toyota Camry Hybrid | $1,588 |
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Estimates do not factor in garaging location in Tulsa, OK which can revise price quotes considerably.
Based on these rates, models like the Honda CR-V, Ford Explorer, Honda Accord, Ford Escape, and Chevrolet Impala are most likely to be some of the most economical vehicles to insure for teachers and educators.
Deciding which companies offer the lowest-priced insurance rates for teachers will involve a tad more effort in order to find the best policy. Each auto insurer has a different process for determining rates in each state, so let’s rank the overall cheapest insurance companies in Tulsa, OK.
Find Cheaper Auto Insurance for Educators
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,150 |
| 2 | Oklahoma Farmers Union | $1,166 |
| 3 | GEICO | $1,340 |
| 4 | The Hartford | $1,359 |
| 5 | Safe Auto | $1,377 |
| 6 | Farmers | $1,380 |
| 7 | State Farm | $1,521 |
| 8 | Travelers | $1,849 |
| 9 | Liberty Mutual | $1,871 |
| 10 | Mercury | $1,973 |
| 11 | OK Farm Bureau | $2,079 |
| 12 | Shelter | $2,129 |
| 13 | Home State | $2,149 |
| 14 | MetLife | $2,169 |
| 15 | Progressive | $2,245 |
| 16 | Allstate | $2,400 |
| 17 | Safeco | $5,158 |
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USAA normally has some of the best car insurance rates in Tulsa at around $1,150 per year. Oklahoma Farmers Union, GEICO, The Hartford, and Safe Auto also qualify as some of the cheaper Tulsa, OK auto insurance companies.
In the rate table above, if you currently buy coverage from Oklahoma Farmers Union and switched to USAA, you might achieve an annual savings of upwards of $16. Insureds with GEICO may save as much as $190 a year, and The Hartford policyholders might realize rate reductions of up to $209 a year.
It’s important to note that these estimates are averages for all insureds and vehicles and do not take into consideration an exact location for teachers. So the auto insurance company that can offer you the best rate may not even be in the top 17 companies in the list above. That is why you need to get rate quotes using your own specific driver and vehicle information.
How violations and accidents impact rates
One of the best ways to score the cheapest insurance premiums in Tulsa for teachers and educators is to drive safe and avoid accidents and keep your driving record clean. The information below shows how traffic citations and at-fault accidents impact car insurance rates for different ages of insureds. The prices are based on a single female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
The chart shows that the average cost of auto insurance per year with no accidents and a clean driving record is $2,676. Receive two speeding tickets and the average cost jumps to $3,585, an increase of $909 each year. Then throw in two accidents along with the two speeding tickets and the yearly cost of insurance for teachers increases to an average of $7,157. That’s an increase of $4,481, or $373 per month, just for being a less-than-perfect driver!
Choosing the best insurance company can be a challenge considering how many choices drivers have in Oklahoma. The rank data displayed below could help you analyze which companies to look at when trying find the best insurance for teachers.
The rankings below are only comprised of companies who write in the majority of U.S. states, so companies with more of a regional focus are not factored into this list. If you wish to compare prices and find cheaper insurance for teachers, simply click here.
| 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 |
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Data Source: Insure.com Best Car Insurance Companies
How to find more affordable car insurance for teachers
Here are some money-saving ideas that can help Oklahoma drivers get lower-cost coverage.
- Safer vehicles generally have cheaper insurance rates
- Higher credit scores can equal lower rates
- Remain accident-free and save
- Save money by insuring your home and auto with the same company
- Save money by insuring older vehicles for liability only
- Shop your coverage around for the best deal
The last tip in the list is certainly critical, as we discussed in the prior information. Car insurance rates vary considerably, so don’t be unwilling to buy a different policy if a lower-cost policy is available. Many drivers have brand loyalty and that’s fine, but we do not recommend it if that dedication is costing lots of hard earned cash every month. It only take a few minutes to compare rates to find cheaper auto insurance for teachers in Tulsa.