Cheap Auto Insurance for Business Use in Oklahoma

Comparing quotes for budget insurance is confusing at best, and deciding which companies offer the most affordable car insurance rates for business use will involve even more rate comparisons. Insurance rates should be moderately more than the average price in Oklahoma attributed to the added risk that comes with selling coverage for using your car for business, but competitive coverage may be achievable if you do a thorough comparison. Each auto insurance company uses a slightly different approach for determining rates, so let’s rank the car insurance companies with the most affordable rates in Oklahoma.

It’s important that you understand Oklahoma car insurance rates are impacted by many things that will increase or decrease the price of your policy. Things like getting older, getting married, or getting a couple of tickets can cause premium changes that may make certain companies more expensive than before.

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USAA may have some of the lowest car insurance rates in Oklahoma at around $1,150 each year. Oklahoma Farmers Union, The Hartford, Safe Auto, and Farmers also make the cut as some of the best Oklahoma insurance companies.

In the rate table above, if you currently have coverage with Safe Auto and switched to USAA, you could see a yearly price reduction of in the vicinity of $227. Drivers with Farmers may save as much as $244 a year, and GEICO customers might realize rate reductions of up to $244 a year.

To find out how much you can save, click here to start your free quote or quote prices from the following companies.

Remember that these policy prices are averaged across all drivers and vehicles and do not take into consideration a rate increase for business use. So the company that fits your age and vehicle best may not even be featured in the list of companies shown earlier. That’s why you need to quote rates from many companies using your own driver and vehicle profiles.

Performance level and cost of the vehicle you are buying coverage for is probably the most important factor in finding cheap auto insurance for business use in Oklahoma. Vehicles with limited top-end speed, a plethora of safety features, or a positive history of liability claims will cost substantially less to insure than fast, unsafe models.

The information below estimates coverage premiums for a selection of the cheapest automobiles to insure in Oklahoma.

Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can influence premiums greatly.

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Rate information does not factor in your specific Oklahoma location which can impact price quotes greatly.

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in the specific area where the vehicle is garaged which can influence coverage rates substantially.

When buying auto insurance for using your car for business, one of the key components that help set the amount you pay each year for auto insurance is your address. Cities that have higher claim levels or more people like Bethany, Sapulpa, and Del City likely pay more, whereas areas with less people or fewer weather incidents can boast about having cheaper rates.

The next table sorts the highest-priced areas in Oklahoma for business use to buy auto insurance in.

Premium costs are comparative as the specific zip code location can alter premium rates considerably.

Selecting a high-quality insurer is difficult considering how many different insurance companies sell coverage in Oklahoma. The ranking information displayed below may help you choose which companies you want to consider when insurance shopping for business use.

The rankings below are only comprised of companies who write in the majority of U.S. states, so companies that only write business in Oklahoma or surrounding areas will not be included in the list. If you wish to compare prices from many more Oklahoma auto insurance companies, click here.

Top 10 Major Auto Insurance Providers in Oklahoma Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. Safeco Insurance
5. Nationwide
6. AAA Insurance
7. State Farm
8. Progressive
9. The Hartford
10. The General

Discounts on cheap auto insurance for business use in Oklahoma

Insurers that offer cheap quotes for business use may also give you rate discounts that could potentially reduce rates by as much as 35% or more if you meet the requirements. Popular car insurance companies and some of the discounts are:

The chart below compares car insurance rates with and without discounts. The rates are based on a male driver, no tickets, no at-fault accidents, Oklahoma state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with defensive driving course, multiple policy, vehicle safety, claim-free, multiple vehicle, and anti-theft discounts applied. When discounts are applied, the the average yearly reduction on car insurance for business use is 34% or $542.

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Best rates: Geico, Allstate, State Farm, or Progressive

When shopping for car insurance for using your car for business, some of the largest companies to start with are Geico, Allstate, State Farm, and Progressive. If you put them all together, they insure almost 50% of all policies written. All four offer physical damage and liability coverage, but each has unique features and discounts that policyholders can choose from. The data below rates pricing and service ratings, as well as optional policy coverages that are available for policyholders.