Best Cheap Car Insurance for High Risk Drivers in Oklahoma
Enter your Oklahoma zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 15, 2019
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When shopping for cheaper auto insurance for high risk drivers, one of the many criteria that auto insurance companies use when figuring insurance cost is where your car is garaged. Areas with high crime rates or more dense population like Tulsa, Sand Springs, and Del City tend to have more expensive car insurance rates, whereas areas with lower crime rates and fewer weather claims benefit from having to pay less for coverage.
The next table rates the most costly cities in Oklahoma for high risk drivers to buy car insurance in.
|Rank||City||Premium Per Year|
|Compare Prices Now Go|
Rates are comparative as the garaging address in Oklahoma can modify price quotes greatly.
Finding dependable, reasonably-priced auto insurance is not the easiest thing to do, and deciding which insurers offer the cheapest auto insurance rates for high risk drivers requires even more rate comparisons. Insurance premiums will more than likely be quite a bit pricier than the state average attributed to the posibility of more claims that goes along with offering coverage for high risk drivers, but affordable coverage should be possible if you look hard enough. Each insurance company uses their own calculation for setting prices, so first we will examine the most affordable auto insurance companies in Oklahoma.
Keep in mind that Oklahoma auto insurance rates are influenced by many factors that control the price you have to pay for coverage. Price variation is why consumers need to do a thorough rate comparison when trying to get the cheapest auto insurance rates for high risk drivers. Insurance rates are made up of many factors and change frequently, so the lowest-price company the last time you shopped around may now be one of the more expensive options.
|Rank||Company||Cost Per Year|
|2||Oklahoma Farmers Union||$1,190|
|11||OK Farm Bureau||$1,997|
|Get Personalized Rates Go|
USAA offers some of the cheapest car insurance rates in Oklahoma at around $1,185 per year. Oklahoma Farmers Union, The Hartford, GEICO, and Safe Auto also make the cut as some of the most economical Oklahoma insurance companies.
In this example, if you are a customer of Safe Auto and switched to Oklahoma Farmers Union, you may see an annual savings of approximately $229. Oklahoma drivers with Farmers might save as much as $232 a year, and State Farm policyholders might cut rates by $331 a year.
If you would like to find the best cheap car insurance for high risk drivers in Oklahoma, click here to start your custom quote or visit any of the low-priced companies below.
Enter your zip code below to view companies that have cheap auto insurance rates.
These policy prices are averaged across all ages of drivers and types of vehicles and do not factor in a rate increase for high risk drivers. So the company that is most affordable for your situation may not even be in the above rate chart. That points out the importance of why you need to compare rates from multiple companies using your own individual information.
Oklahoma auto insurance companies ranked
Choosing the right auto insurance provider can be rather challenging considering how many choices drivers have in Oklahoma. The information in the next section may help you analyze which auto insurers to look at purchasing from. These ratings include companies that write coverage in many states, so companies without a large exposure are not included in this list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
The chart below demonstrates how deductible levels can affect insurance costs when searching for cheap insurance for high risk drivers. The premiums assume a single female driver, full coverage, and no discounts are factored in.
In the chart above, a 30-year-old driver could reduce rates by $406 a year by changing from a $100 deductible to a $500 deductible, or save $616 by choosing a $1,000 deductible. Young drivers, like the Age 20 chart data, could shave $902 every year by selecting a higher deductible.
If you make the decision to raise deductibles, it is essential to have enough spare savings to allow you to cover the extra out-of-pocket expense that is associated with using high deductibles.
Who has the cheapest Oklahoma car insurance?
Oklahoma auto insurance rates are based on many factors that can increase the policy premium. Getting older, adding a teenager to your policy, or getting a DUI can cause premium changes that may make certain companies cheaper than competitors.
In addition, insurers modify pricing as often as every three months in order to be able to pay unexpected claims. Higher than usual claims may cause more expensive prices, while lower claims may cause lower-cost Oklahoma car insurance rates.
For example, the bar chart below shows which companies have the cheapest car insurance in Oklahoma for a 45-year-old female driver with a clean driving record, no accidents, and a good credit rating. When quoting prices based on her personal profile, Oklahoma Farmers Union offers the best car insurance rates in Oklahoma at $1,166 annually. This is $801 less than the average rate paid by Oklahoma drivers of $1,967. USAA, GEICO, The Hartford, and Safe Auto are the remaining cheapest Oklahoma auto insurance companies.
The example below compares rates after we give the driver from the first example an accident claim, a lower credit score, and a traffic ticket or two. Since each company has a different formula to set premium rates, analyzing rate quotes may result in a new list of the cheapest car insurance companies in Oklahoma as shown below.
State Farm now has the best insurance rate in Oklahoma with USAA, Liberty Mutual, Travelers, and The Hartford completing the list. This example illustrates why it is critical to perform an extensive rate comparison to find the most affordable auto insurance quotes for high risk drivers. Car insurance prices are calculated by many factors and can change substantially, so the cheapest rate when you last compared rates may now not even be in the top five.
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