The words “bargain” and “auto insurance” probably shouldn’t be used together, especially when shopping around for the best car insurance for nurses. Because it’s not cheap, let’s start the ball rolling by going over some things that can significantly affect car insurance rates, and see how we can help you lower the price of your next policy.
One of the many things that are used to help calculate the amount you pay for auto insurance is where your car is garaged in Tulsa. Areas with more people or more claims tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper car insurance.
The following table sorts the most expensive places in Oklahoma for nurses in which to buy car insurance. Tulsa is listed at #2 with a yearly premium of $2,215 for the average insurance policy, which is approximately $185 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Del City | $2,243 |
| 2 | Tulsa | $2,215 |
| 3 | Bethany | $2,201 |
| 4 | Broken Arrow | $2,195 |
| 5 | Midwest City | $2,184 |
| 6 | Bixby | $2,169 |
| 7 | Sand Springs | $2,161 |
| 8 | Owasso | $2,148 |
| 9 | Oklahoma City | $2,134 |
| 10 | Moore | $2,132 |
| 11 | Sapulpa | $2,081 |
| 12 | Yukon | $2,076 |
| 13 | Claremore | $2,048 |
| 14 | Edmond | $2,042 |
| 15 | Norman | $2,013 |
| 16 | Shawnee | $1,988 |
| 17 | Bartlesville | $1,981 |
| 18 | Ponca City | $1,976 |
| 19 | Enid | $1,942 |
| 20 | Ardmore | $1,936 |
| 21 | Stillwater | $1,931 |
| 22 | Muskogee | $1,905 |
| 23 | Duncan | $1,885 |
| 24 | Lawton | $1,865 |
| 25 | Altus | $1,838 |
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Premium costs are estimated as vehicle location can raise or lower premium rates substantially.
The vehicle you are insuring is one of the main factors when looking for affordable coverage for nurses. Vehicles with high performance, poor crash test ratings, or a high likelihood of having liability claims will cost significantly more to insure than more modest models.
The list below features auto insurance costs for the cheapest vehicles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $1,125 |
| Dodge Grand Caravan CV | $1,262 |
| Ford F-150 FX2 Super Cab 2WD | $1,271 |
| Honda CR-V EX 2WD | $1,289 |
| Ford Escape XLS 2WD | $1,295 |
| Ford Edge SE AWD | $1,306 |
| Toyota RAV4 Limited 4WD | $1,332 |
| Ford Explorer Eddie Bauer 4WD | $1,356 |
| Chevrolet Impala LTZ | $1,400 |
| Chevrolet Silverado 2500HD LT Crew Cab 4WD | $1,424 |
| Nissan Rogue S AWD | $1,431 |
| Toyota Tacoma 4WD | $1,445 |
| Hyundai Sonata SE 4-Dr Sedan | $1,498 |
| Kia Optima SX | $1,522 |
| GMC Sierra SLE Crew Cab 2WD | $1,525 |
| Toyota Prius | $1,534 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,604 |
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price information does not factor in specific Tulsa, OK garaging location which can increase or decrease coverage prices noticeably.
Looking at the data, we can presume that models like the Honda Accord, Dodge Grand Caravan, Ford F-150, Honda CR-V, and Ford Escape are most likely to be a few of the most budget-friendly vehicles to insure for health professionals.
Establishing which company has the lowest-priced auto insurance rates for nurses takes a little more work in order to find the best price.
Each company has a unique formula for setting rates, so let’s take a look at the lowest cost auto insurance companies in Tulsa, OK. It’s important to know that Oklahoma auto insurance rates are based on many factors that can increase the price you pay for coverage. Getting older, having a claim, or having an at-fault accident can cause premium changes resulting in some companies being much cheaper than others.
Cheapest Insurance Rates for Health Occupations
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Oklahoma Farmers Union | $1,154 |
| 2 | USAA | $1,196 |
| 3 | The Hartford | $1,359 |
| 4 | Safe Auto | $1,377 |
| 5 | Farmers | $1,394 |
| 6 | GEICO | $1,394 |
| 7 | State Farm | $1,568 |
| 8 | Liberty Mutual | $1,852 |
| 9 | Travelers | $1,925 |
| 10 | Mercury | $2,033 |
| 11 | OK Farm Bureau | $2,058 |
| 12 | MetLife | $2,147 |
| 13 | Shelter | $2,173 |
| 14 | Home State | $2,214 |
| 15 | Progressive | $2,223 |
| 16 | Allstate | $2,448 |
| 17 | Safeco | $5,158 |
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Oklahoma Farmers Union may have some of the most affordable car insurance rates in Tulsa at around $1,154 annually. USAA, The Hartford, Safe Auto, and Farmers would also make the list of some of the most economical Tulsa, OK insurance companies.
As shown in the rates above, if you currently have a policy with USAA and switched to Oklahoma Farmers Union, you could earn a yearly price reduction of roughly $42. Oklahoma drivers with The Hartford could save as much as $205 a year, and Safe Auto insureds might realize rate reductions of up to $223 a year.
To find out how your current rates compare, click here to start your free quote or quote rates from the companies below.
Be aware that those premium estimates are averages for all drivers and vehicles in Oklahoma and do not factor in an exact zip code location for nurses. So the company that has the lowest price for you may not even be in the top 17 companies in the list above. That point stresses why you need to get quotes using your own driver information and specific vehicle type.
Difference between full coverage and liability only rates
Reducing premiums for auto insurance should be important to the majority of people, and one common way to find cheaper insurance for nurses is to only pay for liability coverage. The illustration below illustrates the comparison of insurance prices with and without full coverage. The data is based on a clean driving record, no at-fault accidents, $500 deductibles, drivers are not married, and no additional discounts are factored in.
If we average all the age groups together, physical damage coverage on your policy costs an extra $2,108 per year more than buying just liability insurance. That is a large expense and it proposes the question if buying full coverage is a good investment. There is no exact formula to stop paying for full coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than around 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.
Get discount Tulsa auto insurance
Insurers that provide policies for nurses may have price discounts that can reduce rates by as much as 35% or more if you qualify. A list of companies and their possible discounts are shown below.
- GEICO offers premium reductions for military active duty, five-year accident-free, membership and employees, federal employee, daytime running lights, and air bags.
- USAA offers discounts for safe driver, military installation, multi-policy, vehicle storage, and good student.
- Progressive policyholders can earn discounts including multi-policy, continuous coverage, multi-vehicle, homeowner, online quote discount, and online signing.
- American Family has savings for bundled insurance, mySafetyValet, air bags, accident-free, and Steer into Savings.
- Esurance may offer discounts for DriveSense, renters, safety device, paid-in-full, anti-lock brakes, and anti-theft.
- Farmers Insurance may have discounts that include bundle discounts, good student, homeowner, distant student, pay in full, and mature driver.
- State Farm includes discounts for Steer Clear safe driver discount, defensive driving training, anti-theft, passive restraint, and multiple autos.
The example below compares insurance costs with and without discounts applied to the policy premium. The prices are based on a male driver, no accidents, no driving violations, Oklahoma state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with defensive driving course, homeowner, multiple policy, passive restraint, multiple vehicle, and anti-theft discounts applied. When discounts are applied, theaverage yearly reduction on auto insurance for nurses is 28% or $650.
How to find more affordable car insurance for nurses
It’s not impossible to find cheaper rates, and here are a few penny-pinching suggestions that can help Tulsa drivers get low-cost auto insurance.
- Try paying for small claims out-of-pocket
- Do not get tickets or violations
- Increase your credit score
- Avoid having at-fault accidents
- Drive a car with a high safety rating
- Check for cheaper rates once a year
The final tip is extremely valuable, as was noted in the prior information. Rates can be adjusted at any time, so don’t hesitate to buy from a new company if a better deal can be had. Sticking with a specific company is fine, but we do not recommend it if that loyalty ends up costing money that could be going to better use. Spend a few minutes and compare rates and find cheaper auto insurance for nurses in Tulsa.