How Much are Auto Insurance Quotes for Welfare Recipients in Oklahoma?

How Much are Auto Insurance Quotes for Welfare Recipients in Oklahoma?

When buying insurance for drivers on welfare, one of the key criteria used to determine the price of your policy is where your residence is in Oklahoma. Areas with increased crime or more people like Tulsa, Midwest City, and Del City are more likely to pay higher prices, whereas areas with less people or fewer weather incidents generally pay less for insurance.

The next table illustrates the highest-priced places in Oklahoma for welfare recipients to purchase a policy in.

Where does Oklahoma rank for car insurance cost?
Rank City Annual Rate
1 Tulsa $2,259
2 Bixby $2,213
3 Midwest City $2,184
4 Oklahoma City $2,178
5 Del City $2,177
6 Sand Springs $2,161
7 Owasso $2,148
8 Sapulpa $2,144
9 Bethany $2,135
10 Broken Arrow $2,130
11 Edmond $2,126
12 Moore $2,090
13 Norman $2,075
14 Yukon $2,015
15 Claremore $2,008
16 Stillwater $1,989
17 Shawnee $1,988
18 Muskogee $1,962
19 Enid $1,961
20 Ponca City $1,956
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Table data uses comparative as the vehicle garaging location can decrease or increase prices considerably.

Figuring out which company has the lowest-priced insurance rates for welfare recipients will involve a tad more effort in order to find coverage that fits your buget. Each insurance company has their own unique process for filing rates in each state, so let’s look at the rankings for the most competitive insurance companies in Oklahoma.

It’s important to know that Oklahoma insurance rates are impacted by many factors that will increase or decrease your annual premium. Simply having another birthday, having a claim, or getting into an accident may generate price changes that may make certain companies cheaper than before.

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Oklahoma car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,161
2 Oklahoma Farmers Union $1,190
3 The Hartford $1,333
4 GEICO $1,340
5 Safe Auto $1,405
6 Farmers $1,436
7 State Farm $1,536
8 Liberty Mutual $1,816
9 Travelers $1,849
10 OK Farm Bureau $1,997
11 Mercury $2,033
12 Shelter $2,129
13 Home State $2,214
14 MetLife $2,235
15 Progressive $2,245
16 Allstate $2,472
17 Safeco $5,158
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USAA normally has some of the cheapest car insurance rates in Oklahoma at around $1,161 annually. Oklahoma Farmers Union, The Hartford, GEICO, and Safe Auto would also make the list of some of the most economical Oklahoma auto insurance companies.

In the rate table above, if you are a policyholder with GEICO and switched to Oklahoma Farmers Union, you may see yearly savings of roughly $150. Insureds with Safe Auto could save as much as $215 a year, and Farmers customers might see rate reductions of $246 a year.

It’s important to note that these premium estimates are averages across all drivers and vehicles in Oklahoma and are not factoring in a rate discount for welfare recipients. So the insurer that can offer the best rates for your situation may not even be shown in the above rate chart. That helps illustrate why you need to compare rates from multiple companies using your own driver information and specific vehicle type.

Driving violations and accidents

The ideal way to obtain cheap insurance for welfare recipients in Oklahoma is to drive attentively and avoid at-fault accidents and violations. The information below illustrates how traffic citations and at-fault fender-benders can drive up yearly insurance costs for different categories of driver ages. The premium estimates are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

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In the example above, the average cost of an auto insurance policy per year with no accidents or violations is $2,033. Factor in one speeding ticket and the average cost hikes up to $2,294, an increase of $261 each year. Now throw in two accidents along with the one speeding ticket and the yearly cost of insurance for welfare recipients goes up to an average of $4,674. That’s an increase of $2,641, or $220 per month, just for not being a responsible driver!