If you own a car in Tulsa, you are required by law to carry auto insurance. However, finding affordable car insurance can be a challenge. With so many insurance companies and policies available, it can be overwhelming to determine which one is best for your needs and budget. In this article, we will explore the cheapest auto insurance options in Tulsa and provide valuable tips for saving money on your coverage.
The Cheapest Car Insurance Providers in Tulsa
When it comes to car insurance in Tulsa, some providers offer lower rates than others. Here are the top five cheapest car insurance providers in Tulsa based on our research:
Insurance Company |
Annual Premium |
|---|---|
GEICO |
$748 |
State Farm |
$832 |
Progressive |
$890 |
Allstate |
$1,012 |
Farmers |
$1,162 |
1. GEICO
GEICO is one of the most affordable car insurance providers in Tulsa. The company offers a variety of discounts, including safe driver, anti-theft device, and multi-vehicle discounts, which can help you save money on your premium. GEICO also has a user-friendly website and mobile app, making it easy to manage your policy and file claims.
If you are a federal employee or military member, GEICO also offers special discounts that can save you up to 15% on your premium. Additionally, if you have a good driving record, you can qualify for GEICO’s accident forgiveness program, which protects you from rate increases after an accident.
However, GEICO does not offer as many coverage options as some other providers, and its customer service can be hit or miss.
Overall, GEICO is a great option for budget-conscious drivers who want basic coverage at a low price.
2. State Farm
State Farm is another affordable car insurance provider in Tulsa. The company offers a wide range of coverage options, including liability, collision, and comprehensive coverage, as well as discounts for good driving, multiple vehicles, and low mileage.
State Farm also has a user-friendly website and app, and its customer service is generally good. The company also offers roadside assistance and rental car coverage, which can be helpful if you are in an accident or your car breaks down.
However, State Farm’s rates can be higher for drivers with a history of accidents or tickets, and the company does not offer as many discounts as some other providers.
Overall, State Farm is a good choice for drivers who want a variety of coverage options and good customer service at an affordable price.
3. Progressive
Progressive is a well-known car insurance provider that offers competitive rates in Tulsa. The company offers a variety of discounts, including multi-policy, good student, and multi-car discounts, which can help you save money on your premium.
Progressive also offers a unique Snapshot program, which monitors your driving habits and can save you money if you are a safe driver. The company also has a user-friendly website and app, and its customer service is generally good.
However, Progressive does not offer as many coverage options as some other providers, and its rates can be higher for drivers with a history of accidents or tickets.
Overall, Progressive is a good choice for drivers who want basic coverage at an affordable price and are willing to try new technology to save money on their premium.
4. Allstate
Allstate is a popular car insurance provider that offers a variety of coverage options, including liability, collision, and comprehensive coverage. The company also offers a variety of discounts, including safe driver, anti-theft device, and new car discounts.
Allstate also has a user-friendly website and app, and its customer service is generally good. The company also offers roadside assistance and rental car coverage, which can be helpful if you are in an accident or your car breaks down.
However, Allstate’s rates can be higher than some other providers, and the company has a reputation for being difficult to work with after an accident.
Overall, Allstate is a good choice for drivers who want a variety of coverage options and are willing to pay a slightly higher premium for good customer service and extra features.
5. Farmers
Farmers is a car insurance provider that offers a variety of coverage options, including liability, collision, and comprehensive coverage. The company also offers a variety of discounts, including safe driver, multi-vehicle, and homeowner discounts.
Farmers also has a user-friendly website and app, and its customer service is generally good. The company also offers roadside assistance and rental car coverage, which can be helpful if you are in an accident or your car breaks down.
However, Farmers’ rates can be higher than some other providers, and the company has a reputation for being difficult to work with after an accident. Additionally, Farmers does not offer as many discounts as some other providers.
Overall, Farmers is a good choice for drivers who want a variety of coverage options and are willing to pay a slightly higher premium for good customer service and extra features.
How to Save Money on Car Insurance in Tulsa
While some car insurance providers offer lower rates than others, there are also several steps you can take to save money on your car insurance premium. Here are a few tips:
1. Compare Quotes
One of the easiest ways to save money on car insurance is to compare quotes from multiple providers. You can do this online or by contacting insurance agents directly. Be sure to compare not only the premium but also the coverage limits and deductibles, as these can vary between providers.
2. Bundle Policies
Many insurance providers offer discounts if you bundle your car insurance policy with other types of insurance, such as homeowners or renters insurance. This can be a good way to save money on both policies.
3. Raise Your Deductible
If you are willing to pay a higher out-of-pocket cost in the event of an accident, you can lower your premium by raising your deductible. Just be sure to choose a deductible that you can afford to pay if you need to file a claim.
4. Maintain a Good Driving Record
Most insurance providers offer discounts for drivers with a clean driving record. Avoiding accidents and traffic violations can help you save money on your car insurance premium.
5. Drive Less
Insurance providers often offer lower rates to drivers who do not drive as much. If you can reduce your annual mileage, you may be able to save money on your car insurance.
FAQs
What is the minimum car insurance coverage required in Tulsa?
In Tulsa, drivers are required to carry liability insurance with the following minimum coverage limits:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Your car insurance premium is determined by several factors, including your age, gender, driving record, the type of car you drive, your credit score, and your location.
What if I can’t afford car insurance?
If you cannot afford car insurance, you may qualify for the Oklahoma Uninsured Vehicle Plan (UVP), which provides liability coverage to drivers who are unable to obtain insurance through the regular market. However, this coverage is expensive and should only be used as a last resort.
Can I get car insurance without a valid driver’s license?
In most cases, no. You must have a valid driver’s license to obtain car insurance. However, some insurance providers may be willing to offer coverage to drivers with a learner’s permit or international license.
What should I do if I’m in a car accident?
If you are in a car accident, first make sure that everyone is safe and call 911 if necessary. Exchange information with the other driver(s) and take photos of any damage. Then, contact your insurance provider to report the accident and file a claim.
Conclusion
Finding affordable car insurance can be a challenge, but it’s not impossible. By comparing quotes, bundling policies, raising your deductible, maintaining a good driving record, and driving less, you can save money on your car insurance premium. And by choosing one of the cheapest car insurance providers in Tulsa, like GEICO, State Farm, or Progressive, you can get the coverage you need at a price you can afford.