Do Tulsa Vehicle insurance prices vary by marital status?

In many cases an auto insurance customer's car insurance rates can be affected by their marital status. In most situations, married drivers pay more than single driver for automobile insurance in Tulsa, Oklahoma. This is based on data that married drivers are less likely to turn in a claim. The other category that comes in to play is widowed drivers. Generally, these drivers have cheaper car insurance than other single people do.

Does Tulsa Car Insurance pricing differ by gender?

Most auto insurance carriers rate differently based on gender. Female drivers generally pay $20 more annually for auto insurance in Tulsa when compared to a male driver. There are some exceptions to every rule, though.

We found an insurance company in Oklahoma that tends to provide cheaper rates to females.

Does Auto Insurance pricing vary by age in Tulsa, Oklahoma?

Auto insurance customers who are in their 50s are the age bracket that pays the least for car insurance in Tulsa, Oklahoma — paying an average of $1,739 annually. Customers in their 60s are just right behind them, paying $1,741 annually. Young drivers from ages 16 to 19 generally pay the most for automobile insurance. But once drivers get out of their teenage years, there is usually a substantial drop in their car insurance pricing.

Are Auto Insurance prices in Tulsa based on credit level?

What is the average cost of Automobile Insurance rates in Tulsa, Oklahoma?

The average cost of car insurance in Tulsa, Oklahoma is $2,006 per year. That is more expensive that the average auto insurance policy in the state of Oklahoma. which is $1,787. Prices can vary based on age, driving record and claims frequency. But when you compare Tulsa auto insurance rates to the United States average $1,548 per year, you can see that Tulsa car insurance is substantially higher than the rest of United States.

How can violations affect your car insurance rates in Tulsa?

Having a good driving record is a great way to lower your auto insurance costs. Tickets for speeding, careless driving, DUIs and at fault accidents are just a few of the violations that can affect your automobile insurance. Auto insurance companies reward drivers who have a low risk of turning in a claim with lower prices. 

Click to read more about auto insurance for bad drivers

Drivers that are convicted of careless driving ticket will pay the most extra in auto insurance premiums for their violation. It can be up to a 35 percent surcharge on your car insurance for this violation. This is a much higher surcharge than that which a driver gets after racking up a speeding ticket or running a stop sign.

Does my zip code affect my auto insurance quote in Tulsa?

Yes. Zip codes are actually one of the main factors when insurance companies give you an auto insurance quote. So, the area you live in can be important when it comes to auto insurance rates. The main reason insurance carriers use a zip code as a rating factor is that crime, uninsured motorist incidences and theft claims can be different depending on your zip code you live in. Certain Tulsa zip codes can be up to 30 percent higher when compared to other zip codes. For example, Owasso is only 10 to 15 mins from Tulsa, but Owasso auto insurance is much cheaper than Tulsa auto insurance. So before you move to your new home or apartment, call your auto insurance agency and get a quote to see how your new zip code will affect your Tulsa car insurance.

How can weather affect Tulsa auto insurance?

Weather has a big affect on your auto insurance in Tulsa. Tulsa receives 42 inches of rain a year, while the national average is only 38 inches. More rain results in dangerous roads — and that increases your chances of having a car accident. Also snow and hail storms also play a huge factor in rating. The more hail storms Tulsa has, the more cars that get damaged. hail damage is a covered peril on your Oklahoma insurance policy if you have comprehensive coverage. It's very important to know what kind of coverage you have on your car insurance policy. According to the National Weather Service, any specific location in Tulsa metro area can expect to receive an average of 2 to 3 hail storms per year.

One way to avoid the perils of hail is to park your vehicles in your garage or under your carport. When heavy rain is in Tulsa, stay off the streets until the storm passes by. As far as snow, it only snows around 6 times a year in Tulsa. This is less than the national average, and the amount of snow has been much less than that in recent years.

What are my options for Day-To-Day driving in Tulsa, Oklahoma?

What is the lowest car insurance coverage I'm allowed to have in Oklahoma?

Oklahoma requires that every person operating a motor vehicle maintain car insurance with liability limits of at least $25,000 per person, $50,000 per accident in bodily injury liability and another $25,000 per accident on property damage liability. It is illegal to have insurance limits lower than these.

What can I do to get my car insurance cheaper?

There are several things you can do to position yourself to get a cheaper rate on car insurance in Oklahoma. Below are a few:

Keep a car insurance policy active for at least 6 months without letting it cancel.

Avoid getting moving violations by following the laws of the Oklahoma Department of Public Safety

Pay your car insurance premium in full for six months or have your monthly payments automatically drafted from your checking account or debit card.

Sign up to have your car insurance bill emailed instead of mailed to you.