Who Has Cheap Auto Insurance Quotes for Teenagers in Oklahoma?

Writing this article would sure be easy if we could simply give you the name of the one best company that is cheapest in Oklahoma. It’s just not that simple, as there are many unknown elements like if you own your home, the neighborhood you live in, and the safety features built into your vehicle. We are going to cover the best ways to maintain low rates and hopefully give you enough understanding to have a good beginning to your quest for cheaper car insurance in Oklahoma.

Finding out which companies offer the best insurance rates for teenagers calls for a little more sweat in order to find coverage that fits your buget.

Each auto insurance company has a proprietary method for determining rates, so we need to take a look at the insurance companies with the most affordable rates in Oklahoma. It’s a good idea to know that Oklahoma insurance rates are based on many factors which can substantially decrease or increase the price of your policy. Simply getting older, getting divorced, or getting a ticket for careless driving can trigger price changes that can cause some rates to be cheaper than before.

Best Auto Insurance Prices for Teens

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USAA normally has some of the cheapest car insurance rates in Oklahoma at around $1,161 a year. Oklahoma Farmers Union, GEICO, The Hartford, and Safe Auto would also make the list of some of the cheaper Oklahoma insurance companies.

As the rates illustrate above, if you currently have coverage with Oklahoma Farmers Union and switched to USAA, you might see annual savings of in the neighborhood of $29. Policyholders with GEICO may save as much as $179 a year, and The Hartford insureds might realize rate reductions of up to $212 a year.

Understand that those policy prices are averaged across all ages of drivers and types of vehicles and and are not calculated with a rate surcharge for teenagers. So the insurer that has the cheapest price for you may not even be featured in the above rate chart. That emphasizes why you need to get car insurance quotes using your own driver and vehicle profiles.

For teen drivers, one of the more important considerations that play a part in determining the amount you pay for auto insurance is where you keep your car in Oklahoma. Areas that are densely populated or have higher claim frequency like Bethany, Bixby, and Del City tend to have higher auto insurance costs, whereas areas that are not as densely populated benefit from having to pay less for coverage.

The next table lists the most costly cities in Oklahoma for teenagers to purchase a policy in.

Prices are comparative as zip code location can raise or lower coverage rates greatly.

The vehicle on the policy is one of the largest considerations when shopping around for economical insurance for teenagers. Vehicles with limited speed and performance, good safety features, or a low likelihood of liability claims will cost quite a bit less to insure than fast, unsafe models. The next lists showcases insurance prices for a selection of the cheaper vehicles to buy coverage for.

Prices based on single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in Oklahoma location which can modify coverage prices noticeably.

Data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in Oklahoma location which can influence prices substantially.

Data based on single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in specific location information which can lower or raise auto insurance rates greatly.

Get discount Oklahoma car insurance rates

Insurance providers that sell cheap car insurance for teenagers in Oklahoma may provide discounts that could potentially reduce rates by as much as 35% or more if you meet specific eligibility requirements. Companies and some of their more popular discounts are detailed below.

• State Farm may include discounts for anti-theft, Drive Safe & Save, driver’s education, passive restraint, and multiple autos.
• GEICO may have discounts that include defensive driver, anti-lock brakes, multi-vehicle, military active duty, driver training, and multi-policy.
• SAFECO includes discounts for anti-theft, anti-lock brakes, drive less, teen safety rewards, and safe driver.
• Farmers Insurance has discounts for youthful driver, multi-car, bundle discounts, early shopping, and homeowner.
• AAA has savings for education and occupation, good student, AAA membership discount, good driver, multi-policy, and pay-in-full.
• USAA policyholders can earn discounts including driver training, military installation, multi-policy, new vehicle, and defensive driver.

The example below illustrates the difference between auto insurance rates with and without some available policy discounts. The price estimates are based on a male driver, no tickets, no at-fault accidents, Oklahoma state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with anti-theft, paperless filing, passive restraint, good student, paid-in-full, and continuous coverage discounts applied. With discounts applied, the the average yearly reduction on insurance for teenagers is 28% or $1,015.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 17’, 7397,5283],[‘Age 30’, 2497,1803],[‘Age 40’, 2457,1773],[‘Age 50’, 2243,1617],[‘Age 60’, 2173,1565]]);var options = {title: ‘Effect of Discounts on Insurance Rates for Teenagers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Oklahoma’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Find cheap car insurance for teenagers in Oklahoma

Below you’ll find some of the better thrifty solutions that can help Oklahoma drivers get cheap car insurance.

• Pay for smaller claims out-of-pocket
• Save money by observing traffic laws and speed limits
• Improve your credit rating
• Vehicles with good safety ratings have lower liability rates
• Being accident-free can lower rates significantly
• Shop around once a year for cheaper rates

That last piece of advice is highly crucial, as we noted in the prior information. Prices in Oklahoma can be modified anytime, so drivers shouldn’t be resistant to switch to a new company if you can find a cheaper rate. Many drivers tend to have loyalty to a certain company, but it’s not recommended if it’s costing you lots of hard earned cash every month. Take a few minutes and compare prices and find cheaper insurance for teenagers.