For single parents, one of the big considerations that are looked at to help calculate car insurance rates is where your residence is. Areas with more people or higher crime rates will most likely have higher rates, whereas less populated areas profit from lower rates.
The information below sorts the most expensive cities in Oklahoma for single moms to buy car insurance in. Tulsa is ranked #1 with the annual price of $2,282 for car insurance, which is around $190 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Tulsa | $2,282 |
| 2 | Bixby | $2,235 |
| 3 | Midwest City | $2,205 |
| 4 | Sand Springs | $2,205 |
| 5 | Sapulpa | $2,165 |
| 6 | Del City | $2,155 |
| 7 | Owasso | $2,148 |
| 8 | Bethany | $2,135 |
| 9 | Broken Arrow | $2,130 |
| 10 | Oklahoma City | $2,113 |
| 11 | Moore | $2,090 |
| 12 | Yukon | $2,076 |
| 13 | Edmond | $2,063 |
| 14 | Claremore | $2,048 |
| 15 | Shawnee | $2,028 |
| 16 | Norman | $2,013 |
| 17 | Bartlesville | $2,000 |
| 18 | Enid | $1,961 |
| 19 | Muskogee | $1,943 |
| 20 | Stillwater | $1,931 |
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Premium amounts are comparative as specific Tulsa zip code can impact insurance rates significantly.
The car, truck, or SUV that needs insurance is one of the biggest factors when quoting affordable auto insurance for single moms. Vehicles with average performance, advanced safety features, or a low likelihood of liability claims will cost substantially less to insure than higher performance models.
The list below showcases coverage rates for the cheapest vehicles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $1,100 |
| Toyota Prius | $1,219 |
| Honda CR-V EX 4WD | $1,293 |
| Chevrolet Equinox LS AWD | $1,305 |
| Dodge Grand Caravan Hero | $1,311 |
| Ford F-150 SVT Raptor Super Cab 4WD | $1,329 |
| Honda Accord EX-L 4-Dr Sedan | $1,369 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,371 |
| Chevrolet Impala LTZ | $1,381 |
| Jeep Grand Cherokee Limited 2WD | $1,395 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $1,405 |
| GMC Sierra 2500HD SLE Crew Cab 4WD | $1,395 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,400 |
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Price information does not factor in specific Tulsa, OK garaging location which can modify coverage prices substantially.
Looking at the rates, you can conclude that vehicles like the Ford Escape, Toyota Prius, Honda CR-V, Chevrolet Equinox, and Dodge Grand Caravan are most likely going to be a few of the less-costly vehicles to insure for single parents.
Finding affordable car insurance is not easy, and determining which company quotes the cheapest insurance rates for single moms will take even more work. Each company uses a slightly different approach for determining prices, so let’s begin by examining the insurance companies with the overall cheapest rates in Tulsa, OK.
Keep in mind that Oklahoma insurance rates are determined by lots of factors that control the policy price. Price variation is why consumers need to take the time to do a thorough rate comparison when trying to find the lowest insurance quotes for single moms. Car insurance prices are influenced by many risk factors and can change without notice, so the cheapest rate the last time you shopped your coverage around may now be one of the higher cost companies.
Best Auto Insurance Prices for Single Moms
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Oklahoma Farmers Union | $1,166 |
| 2 | USAA | $1,185 |
| 3 | The Hartford | $1,373 |
| 4 | Safe Auto | $1,377 |
| 5 | GEICO | $1,381 |
| 6 | Farmers | $1,422 |
| 7 | State Farm | $1,521 |
| 8 | Liberty Mutual | $1,871 |
| 9 | Travelers | $1,925 |
| 10 | Mercury | $1,973 |
| 11 | OK Farm Bureau | $1,997 |
| 12 | Shelter | $2,108 |
| 13 | Home State | $2,149 |
| 14 | Progressive | $2,179 |
| 15 | MetLife | $2,213 |
| 16 | Allstate | $2,448 |
| 17 | Safeco | $5,158 |
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Oklahoma Farmers Union offers some of the most affordable car insurance rates in Tulsa at around $1,166 per year. This is $801 less than the average premium paid by Oklahoma drivers of $1,967. USAA, The Hartford, Safe Auto, and GEICO also are some of the most economical Tulsa, OK auto insurance companies.
As the example above demonstrates, if you currently buy coverage from The Hartford and switched to Oklahoma Farmers Union, you might see yearly savings of approximately $207. Insureds with Safe Auto may save as much as $211 a year, and GEICO insureds might reduce rates by $215 a year.
To find out how your current rates compare, click here to start your free quote or visit any of the companies below.
Be aware that those prices are averaged for all ages of drivers and types of vehicles and do not factor in an exact vehicle garaging location for single moms. So the company that can offer you the lowest price may not even be in the top 17 companies shown above. That point stresses why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
Responsible drivers pay cheaper Tulsa insurance rates
One of the best ways to obtain good insurance premiums for single parents is to drive cautiously and avoid at-fault accidents and violations. The chart below demonstrates how speeding tickets and at-fault fender-benders impact insurance prices for different age groups. Data assumes a married female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.
The data charted above shows the average cost of a car insurance policy in Tulsa per year with a clean driving record and no accidents is $2,689. Get two speeding tickets and the average cost swells to $3,842, an increase of $1,153 each year. Next add two accidents along with the two speeding tickets and the 12-month cost of insurance for single moms increases to an average of $7,904. That’s an increase of $5,215, or $435 per month, just for being a less-than-perfect driver!
Discounts on Tulsa auto insurance rates
Insurance providers that offer cheap quotes for single moms may also offer rate discounts that may potentially lower prices by as much as 35% or more if you can meet the requirements. Popular insurance companies and their offered discounts are shown below.
- Farm Bureau may include discounts for driver training, multi-policy, 55 and retired, safe driver, and good student.
- MetLife offers discounts including good driver, multi-policy, defensive driver, claim-free, and accident-free.
- Progressive has discounts for online quote discount, continuous coverage, online signing, good student, multi-vehicle, homeowner, and multi-policy.
- AAA may have discounts that include multi-policy, good student, anti-theft, multi-car, AAA membership discount, pay-in-full, and good driver.
- American Family discounts include bundled insurance, good driver, Steer into Savings, multi-vehicle, air bags, and good student.
- GEICO may offer discounts for multi-vehicle, five-year accident-free, seat belt use, driver training, multi-policy, and emergency military deployment.
- State Farm has savings for Steer Clear safe driver discount, anti-theft, accident-free, safe vehicle, and student away at school.
The chart below illustrates the comparison of auto insurance costs with and without discounts. Data assumes a female driver, no accidents, no driving violations, Oklahoma state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with multiple policy, defensive driving course, safe-driver, vehicle safety, multiple vehicle, and accident-free discounts applied. When drivers qualify for the discounts, theaverage amount saved on insurance for single moms is 28% or $540.
Rate difference between full and liability-only coverage
Finding cheaper insurance is probably important to most drivers, and a great way to buy cheap insurance for single moms is to only buy liability insurance. The information below shows the comparison of insurance premiums when comparing full coverage to liability only. The prices are based on a clean driving record, no claims, $500 deductibles, single status, and no discounts are applied.
Averaged for all age groups, comprehensive and collision coverage on your policy costs an extra $2,308 per year more than carrying just liability coverage. Many people question when is it a good idea to stop buying full coverage. There isn’t a steadfast formula to exclude comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
Here’s why you should compare rates often
Tulsa, OK insurance rates are calculated based on many things which can significantly increase or decrease the policy premium. Improving your credit rating, moving to a different location, or getting a couple of tickets may prompt premium changes that can now make some companies more affordable than others.
In addition, insurers file new Oklahoma auto insurance rates every year or even multiple times each year as an adjustment for underwriting gains or losses. Higher than normal claim frequency or severity may result in more expensive premiums, while profitable underwriting may cause lower-priced Tulsa car insurance rates.
For instance, the graph below shows rates for the cheapest car insurance in Tulsa, OK for a 30-year-old female driver with a clean driving record, no accidents, and good credit. If we estimate prices based on her current risk profile, Oklahoma Farmers Union might quote the best car insurance rates in Tulsa at $1,391 each year. This is $576 less than the average rate paid by Oklahoma drivers of $1,967. USAA, The Hartford, GEICO, and Safe Auto are the remainder of the most affordable Tulsa, OK auto insurance companies.
Let’s now give the driver from above a chargeable claim, a little lower credit rating, and a few blemishes on her driving record. Because each company has a unique formula for filing rates in each state, comparing insurance quotes may now result in a new list of the cheapest companies as shown below.
State Farm now has the cheapest car insurance in Tulsa with USAA, Liberty Mutual, The Hartford, and Travelers also being competitive. This illustrates why it is critical to perform an extensive rate comparison to get the most affordable insurance quotes for single moms. Insurance rates are impacted by many risk factors and change frequently, so the most economical company six months ago may now be costing you a lot of money.