Cheapest Auto Insurance Quotes for Single Moms in Oklahoma

Everyone has different tastes in autos, and the style of vehicle you are seeking coverage for is a significant factor when shopping for the cheapest auto insurance for single moms in Oklahoma. Vehicles with lots of speed or power, a lack of advanced safety features, or a history of substantial liability claims will cost significantly more to insure than safer models. The data below shows coverage rates for a number of the more afforable vehicles to insure.

Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in specific garaging location which can lower or raise rates substantially.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price estimates do not factor in vehicle location which can revise coverage rates considerably.

Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in your specific Oklahoma location which can affect price quotes noticeably.

Finding out which insurers offer the cheapest car insurance rates for single moms takes a little more sweat than just quoting one company’s rates. Every car insurance company uses their own calculation for setting prices, so let’s take a look at the most budget-friendly car insurance companies in Oklahoma.

It’s important to know that Oklahoma car insurance rates are influenced by many factors which can substantially decrease or increase the cost of your policy. Turning one year older, marrying your spouse, or getting a ticket for careless driving may generate price changes resulting in some rates now being affordable when they were higher priced.

Lowest Insurance Price Quotes for Single Moms

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USAA may have some of the most affordable car insurance rates in Oklahoma at around $1,150 annually. Oklahoma Farmers Union, The Hartford, GEICO, and Safe Auto also make the cut as some of the cheapest Oklahoma auto insurance companies.

As the example above demonstrates, if you currently have coverage with GEICO and switched to USAA, you might see annual savings of in the neighborhood of $190. Policyholders with Safe Auto may save as much as $227 a year, and Farmers insureds might reduce rates by $286 a year.

To find out how your current rates compare, click here to start a quote or visit several of the following companies.

Understand that those premiums are averaged for all drivers and vehicles and and are not figured with a price discount for single moms. So the insurer that can offer the best rates for your situation may not even be shown in the list above. That underscores the importance of why you need to quote rates from many companies using your own specific driver information and vehicle.

One of the more important criteria that affect the cost of insurance is where you call home in Oklahoma. Areas that are more densely populated or have higher claim rates like Del City, Midwest City, and Tulsa tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower prices.

The following table ranks the priciest cities in Oklahoma for single moms in which to buy car insurance.

Prices are comparative as the specific Oklahoma residence address can lower or raise coverage rates noticeably.

Rate comparison of full coverage and liability-only

Finding the cheapest auto insurance for single moms in Oklahoma is the goal of the majority of people, and a good way to save on the cost of insurance is to not pay for full coverage. The diagram below illustrates the comparison of insurance costs with full coverage compared to only the Oklahoma minimum liability coverage. The data is based on a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

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If we average all the age groups together, comprehensive and collision coverage on your policy costs $2,033 per year more than just buying liability only. Lot’s of drivers question if buying full coverage is worth the money. There isn’t a steadfast formula to eliminate comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your vehicle’s book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $2,000 after paying the physical damage deductible. If premiums are more than $200 annually to have full coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where dropping physical damage coverage is not a good idea. If you haven’t satisfied your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.