Cheapest Auto Insurance | Tulsa, Oklahoma
What Separates Cheapest Auto Insurance from the rest of the auto insurance companies?
We have made auto insurance easy and hassle free. With our Anonymous Quoting System that is the fastest online auto insurance quoting process in the industry, a customer can receive a quote in 1 minute and complete the entire policy online in 5 minutes. There is truly nothing like it in the auto insurance industry. Here are few other reasons why Cheapest Auto Insurance is the place to find hassle free affordable auto insurance.
- No Credit Checks
- No Middleman Fees
- State of the art APP
- Low First Month Payment
- Anonymous Quoting System
- We are a great combination of InsurTech plus a call center that is second to none with agents to help you by phone or text message.
- We don’t sell your info to any vendors like many online sites do.
Affordable Car Insurance for Oklahoma’s Second-Largest City
Tulsa County is one of Oklahoma’s most densely-populated. As a result, there’s considerable traffic around. Wherever you decide to drive, you face a risk of accidents or other mishaps. As a result, you must carry auto insurance to protect yourself behind the wheel.
Cheapest Auto Insurance has the experience to help Tulsans save time and money when getting targeted auto insurance. Our goal is to make sure you walk away satisfied with your protection.
Why Get Covered?
Tulsa proper has more than 300,000 residents, and more people equal more driving risks. Indeed, the city recorded 1,459 accidents in the year 2019.
After a crash, vehicle damage, injuries and other losses could all prove expensive and time-consuming. That’s why it is so important to have car insurance. With it, you can get help paying recovery costs that might otherwise prove costly. That’s a lot of potential hassle off your plate. At the end of the day, carrying coverage will prove critical to your personal security whenever you drive.
Liability Auto Insurance in Tulsa
Liability auto insurance in Tulsa is among the most expensive in Oklahoma. Here at Cheapest Auto Insurance, we can help you get the basic liability limits that Oklahoma requires which is 25/50/25 which is what we specialize in. Liability car insurance rates are based on several different factors here are a few main one's insurance companies in Tulsa use to set their rating factors:
1. Insurance History
3. Driving Record
4. Credit Score
Most of the nonstandard auto insurance companies in Tulsa do not run credit that is more of a factor with the larger national carriers the do more preferred insurance. Driving record seems to be one of the most important factors insurance companies use when rating liability insurance policies. Most of the nonstandard insurance companies only offer the state minimum coverage of 25/50/25. The higher your liability limits are the more it will cost you monthly. So, most consumers usually take the state minimum limits so they can save money on their monthly premiums.
Please remember that if you purchase liability only auto insurance it will only cover damage you do to a 3rd party; it will not pay for damage done to your vehicle. If you want your vehicle covered in case of an accident you would need to purchase full coverage insurance. Full coverage insurance is usually about twice the price as liability only. So, it is important to prioritize which is more important saving monthly or having extra coverage that could come in handy in case of accident.
Click to learn more about cheap liability car insurance.
Why Does Tulsa Auto Insurance Cost More Than Other Nearby Cities?
Tulsa is the second most populated city in Oklahoma — right behind Oklahoma City — with roughly 396,543 people. Also, 3 of the 10 fastest growing cities in Oklahoma are suburbs of Tulsa — which are Jenks, Owasso, and Bixby. Many of the people living in these towns work in Tulsa. Generally, where there is higher population, there is a higher frequency of accidents and also uninsured drivers. These two factors have a huge impact on pricing for Tulsa car insurance.
Below are a few ways you can combat the higher auto insurance rates in Tulsa.
How to Combat Higher Auto Insurance Rates in Tulsa:
1. Set your monthly payments on EFT
2. Sign up for paperless billing
3. Take a defensive driving course
4. Drive safe
Cheapest Auto Insurance can help you find cheaper car insurance in Tulsa by going over all possible discounts. We can customize your policy for exactly what you need.
Expanding Your Coverage
Collision Coverage- Pays for damages your car sustains in a wreck
Comprehensive Coverage- Pays for non-accident losses like theft, fire, weather, and more
Medical Payments- Pays for medical bills for you and your passengers
Uninsured Motorist- Pays for when you collide with another at-fault driver who does not have the appropriate liability coverage
By tapping into our network of top-rated policy providers, we can help you find the policy that most effectively targets your individual risks.
How Does Non-Owners Insurance Work In Tulsa, Oklahoma?
Non Owners insurance can often be a confusing policy. On many of the policies in Oklahoma, companies will add an exclusion of coverage if the vehicle is driven on a regular basis for a long period of time.
According to the Department of Insurance, a "non-owner liability policy pays for damages and injuries you cause when driving a borrowed or rented car, but it doesn't pay for your injuries or damage to the car you are driving." Many customers use this coverage to simply get their license reinstated.
If you drive a vehicle on a regular basis and own the vehicle, it is best to actually insure that vehicle (rather than to purchase a non-owners insurance policy). Many times, Non-Owners Insurance is cheaper than a normal auto policy. That said, coverage is much more limited.
One of the things we do here at Cheapest Auto Insurance is help explain all your coverages so everyone can understand them. Feel free to give us a call at (918) 744-5145 or visit one of our three local Tulsa offices to discuss a Non Owners Insurance Policy or any other questions you might have regarding auto insurance.
Click to learn more about finding cheap non owner car insurance.
Insuring Drivers Of All Shapes And Sizes
There are about as many insurance options out there as there are drivers on the road. Still, not every policy is for every driver. We're here to make sure you get the right type and amount of protection. At the same time, we’ll make sure your protection comes at the best prices.
Even if you have excessive driving risks, we can still help you get covered. Just because factors like non-standard vehicles, a poor driving record or an SR-22 might make you a bit harder to insure doesn't mean there isn’t coverage out there. We'll help you find it.
5 Things To Look For In Your Next Insurance Company
One of the benefits of going through an independent insurance agent for your auto insurance is the ability they have to quote and place your policy with several different insurance companies.
1. Great Rates
2. Excellent Service
3. Quick Accessibility
4. Convenient Service Options
5. 24 Hour Claims Support
There is no perfect insurance company out there, but there are a lot of good ones. Find one that matches what's important to you and enjoy the benefits of a great insurance experience
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?
Car insurance quotes in Tulsa can be closely related to your credit score. Studies have shown that Tulsa drivers who have better credit scores have a lower likelihood of having claims. That is one of the benefits of getting a quote from Cheapest Auto Insurance. We have companies that do not penalize auto insurance customers for their credit level. When you call us for a Tulsa auto insurance quote, we will never ask you for your social security number — as many Tulsa insurance companies will. Get a quick anonymous quote.
Learn more about finding cheap auto insurance rates if you have bad credit!
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.
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.
Learn how to find cheap auto insurance rates if you have a bad driving record.
DUI Auto Insurance
Auto insurance rates after a DUI can get very expensive. It is the violation that carries the heaviest points allowed up to 6 pts for just one incident. To weigh that impact on rates an accident I usually 3-4 pts on high end. Auto Insurance companies feel drivers who have had a DUI history are more prone to large accidents. Usually, an accident involving a drunk driver does serious damage to property and people which costs the insurance companies large amounts of money. Drivers with a DUI pay the highest auto insurance premiums in the market. Some auto insurance carriers will decline coverage to anyone who has had a dui in the last 5 years. Here at Cheapest Auto Insurance, we make sure to find you the cheapest auto insurance quote possible even if you have a DUI on your record. Here are a few auto insurance companies that we found who offer auto insurance after a DUI:
Click here to learn more about finding cheap auto insurance with a DUI.
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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?
Tulsa Highways: Interstate 44, Interstate 244, & US 169
Public Transit: Tulsa transit, Areobus, & Rideshare
Toll Roads: Turner Turnpike, Will Rogers Turnpike, Cherokee Turnpike, & Kickapoo Turnpike
Lake Destinations: Grand Lake, Keystone Lake, & Skiatook Lake
I don't have a driver's license. Can I still get car insurance?
Yes! In Oklahoma, car insurance is required to get an Oklahoma driver's license. Because of this, several of our carriers will allow customers to get an insurance policy with a valid Oklahoma ID, foreign driver's license or foreign ID.
Auto Insurance with a Suspended License
Finding cheap auto insurance with a suspended license can be very difficult. Auto insurance is expensive enough with a normal license let alone with a suspended one. A lot of insurance companies surcharge up to 4 points on an auto insurance policy for having a suspended license. This can raise your rates up to 30% on your monthly premiums. Insurance companies also look at the reason why your license is suspended and rate accordingly. Some auto insurance companies will even deny you coverage if your license is currently suspended. We have found nonstandard auto insurance companies are the best fit for drivers with a suspended driver's license. Drivers with a suspended license are considered high risk drivers as far as insurance companies are concerned. Here are a few auto insurance companies we found who offer affordable rates for drivers with a suspended driver's license:
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.
Insurance in Tulsa
There are several different types of insurance that you can purchase in Tulsa, here are the core segments of insurance to choose from:
1. Auto Insurance
2. Homeowners Insurance
3. Commercial Insurance
4. Life and Health Insurance
Before you can sell insurance in Tulsa you much be a licensed agent. You must pass the test required by the Department of Insurance and then pay your applicable fees. Then you much complete CE requirements and pay license renewal fee to keep your license active. Insurance can be complicated which is why it is important to purchase it from a licensed agent who can go over the coverages you need. If you have ever had a claim and were not adequately covered you will understand why it is so important. Nothing is worse than thinking you have a certain coverage and finding out after a claim you do not have that coverage and have to pay for the damages out of your pocket.
Most all segments of insurance in Tulsa have stayed pretty steady price wise except Health Insurance. Health insurance is the one segment that usually rises on a consistent basis. Insurance is like anything else very susceptible to inflation so you will usually see small steady rises in cost across the board.
The more body shops charge insurance companies to repair cars for instance has an effect on how much everyone pays for insurance. And just like any type of insurance the less claims you turn in the less you pay for you premiums.
Future of Insurance in Tulsa
Insurance in Tulsa is ever changing with the InsurTech companies coming on the scene you can purchase almost any type of insurance completely online on your own. Which is such a different experience of working directly with an agent face to face like has been done for so long. There are still many customers that want that face-to-face interaction because insurance can be complicated especially when you get into homeowners and commercial insurance. There can be a lot of exclusions and endorsements in these policies that for the consumer may be difficult to understand. But we feel the future of insurance is a direct-to-consumer model. Face to face may not go away completely but with the amount of new tech companies coming into the industry we expect insurance to continue to head in that direction on a furious pace, especially in the automobile insurance sector. Automobile insurance is much easier to purchase compared to other segments of insurance. Many of these new tech companies have affordable auto insurance rates but it is yet to be seen how claims are handled and can they be profitable on the underwriting side, which usually takes years to tell. Thankfully at Cheapest Auto Insurance we have companies that allow Tulsa drivers to start your policy online yourself or come face to face to speak with an agent at one of our Tulsa locations.
Importance of doing annual auto insurance check-up
Our lives are always changing and so are our coverage needs for our auto insurance policy. It is important to contact your auto insurance company or auto insurance broker on a yearly basis to go over your policy with them. Here are a few things to mention to your company or broker to make sure you are still covered correctly:
Make sure you have all the discounts you deserve on your policy and do they suggest any more discounts you should look at.
If you just bought a home you should consider bundling that with your auto insurance policy for a multi-policy discount.
If you have gone from liability to full coverage recently be sure to go over with them what all is on your full coverage policy. Here are a few coverages that don’t come on a normal full coverage quote. Medical payments, Uninsured Motorist Coverage, Rental and towing are just to name a few.
Cheapest Auto Insurance strives to make sure all customers have the time and attention they need from us to be sure they have the coverage they need. Call or text one of our experienced agents to review your coverage today!
Learn how to find cheap auto insurance rates!
Best Insurance Companies in Tulsa
There are many insurance companies in Tulsa to choose from. So, we want to help you find the best one to fit your needs. It is important to view customer reviews on the insurance company you are getting car insurance rates from. We have found one of the best ways to do this is reading the insurance company’s Google Reviews. This gives you a true look at what customers are saying about the specific insurance company you are looking at from the customer’s point of view. This will take your focus off solely looking at price but also weighing in customer experience to make your final decision. We know we are not perfect but as you can see by our reviews below, we do our best to take care of every customer and try to find them insurance in Tulsa at an affordable price regardless of driving record and insurance history. We would love to be your insurance provider, please check out our reviews below and see if we can help save you money on your insurance today!
3245 East 15th st
9747 East 31st st
6030 South Memorial Dr
4024 South Yale Ave
Get Started Today
Cheapest Auto Insurance wants to be your neighborhood insurance partner in Tulsa. You can reach one of our agents via phone at (918) 744-5145 or get an instant online quote.
E-Sign Accepted Here
We are happy to offer an e-sign option for anyone that can’t make it to an office to sign paperwork. We want to make the process as easy as possible for you.
Note All rate data is generated as part of The Zebra's industry-leading annual insurance rate study.
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