Cheap Car Insurance for College Students in Oklahoma

Cheap Car Insurance for College Students in Oklahoma

When the topic is auto insurance, the word cheap really should not be used anywhere in the article to describe car insurance prices. Nonetheless, cheap auto insurance for college students is not always easy to find. But don’t despair, because we are going to tell you how you can find and buy car insurance that works with your budget.

One of the many criteria used to calculate the policy price is your address in Oklahoma. Regions with larger populations or more claims like Tulsa, Broken Arrow, and Del City tend to pay higher rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from having to pay less for coverage.

The table below ranks the most costly cities in Oklahoma for college students in which to buy car insurance.

How much does car insurance cost in Oklahoma?
Rank City Average Per Year
1 Tulsa $2,259
2 Bethany $2,223
3 Broken Arrow $2,216
4 Oklahoma City $2,178
5 Del City $2,177
6 Bixby $2,169
7 Sapulpa $2,165
8 Moore $2,153
9 Midwest City $2,140
10 Sand Springs $2,139
11 Edmond $2,126
12 Claremore $2,069
13 Owasso $2,064
14 Norman $2,033
15 Bartlesville $2,000
16 Yukon $1,994
17 Shawnee $1,988
18 Muskogee $1,943
19 Ardmore $1,936
20 Stillwater $1,931
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Rate information is comparative as specific Oklahoma zip code can change auto insurance rates significantly.

The make and model of vehicle to be insured is probably the biggest factor when shopping for low-cost car insurance for college students. Vehicles with higher performance characteristics, poor safety ratings, or a track record of large liability claims will cost much more to insure than more economical and safe models.

The next table showcases insurance premiums for a selection of the more afforable vehicles to insure.

Cheapest Auto Insurance Rates for College Students in Oklahoma
Vehicle Insured Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $3,674
Honda CR-V LX 4WD $3,681
Ford Escape Limited 2WD $3,728
Hyundai Elantra SE Touring Station Wagon $4,002
Chevrolet Traverse LTZ AWD $4,056
Toyota Prius $4,064
Ford F-150 XLT Crew Cab 2WD $4,088
Toyota Highlander 2WD $4,095
Hyundai Santa Fe GLS 2WD $4,308
Chevrolet Impala LS $4,318
Honda Odyssey EX $4,308
Nissan Altima 2.5 4-Dr Sedan $4,362
Toyota RAV4 2WD $4,367
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Prices based on single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in garaging location in Oklahoma which can lower or raise auto insurance rates greatly.

Based upon these rates, we can conclude that cars like the Honda Accord, Honda CR-V, and Ford Escape are going to be some of the less-costly vehicles to insure for students in college. The cost of a car insurance policy will be more expensive just due to the fact that there is more inherent risk for college students, but overall those specific models will probably have the best rates that you’ll find.

Deciphering which companies have the cheapest car insurance rates for college students will involve a bit more work in order to find the most economical policy.

Each auto insurer has their own process for determining rates in each state, so we need to take a look at the overall cheapest car insurance companies in Oklahoma. We do need to point out that Oklahoma car insurance rates are influenced by many factors which can substantially decrease or increase the policy premium. Getting older, getting divorced, or getting a reckless driving citation can produce rate changes that can cause some rates to be much cheaper than others.

Best Car Insurance Prices for College Students

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Cheapest insurance companies in Oklahoma
Rank Company Cost Per Year
1 USAA $1,185
2 Oklahoma Farmers Union $1,202
3 The Hartford $1,319
4 GEICO $1,340
5 Farmers $1,394
6 Safe Auto $1,419
7 State Farm $1,521
8 Liberty Mutual $1,797
9 Travelers $1,925
10 OK Farm Bureau $1,997
11 Mercury $2,033
12 MetLife $2,147
13 Shelter $2,173
14 Home State $2,214
15 Progressive $2,245
16 Allstate $2,448
17 Safeco $5,056
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USAA has some of the cheapest car insurance rates in Oklahoma at around $1,185 per year. Oklahoma Farmers Union, The Hartford, GEICO, and Farmers also are some of the cheapest Oklahoma car insurance companies.

As illustrated above, if you currently have coverage with The Hartford and switched to USAA, you may see annual savings of around $134. Policyholders with GEICO could save as much as $155 a year, and Farmers insureds might realize rate reductions of up to $209 a year.

Understand that those premiums are averaged across all insureds and vehicles and and are not calculated with a price surcharge for college students. So the auto insurance company that fits you best may not even be featured in the list of companies above. That point stresses why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

Oklahoma car insurance companies

Ending up with the top auto insurance provider is difficult considering how many companies provide coverage in Oklahoma. The information shown next may help you pick which car insurance companies to look at comparing rates with. These ratings are for companies who write in the majority of U.S. states, so companies that focus mainly on Oklahoma business are not included in this list.

Oklahoma Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
21st Century 86 82 90 84% A 86.4
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Data Source: Insure.com Best Car Insurance Companies

Which major car insurance company is best?

When it comes to car insurance for students in college in Oklahoma, the four most popular companies are Progressive, Allstate, Geico, and State Farm. If you put them all together, they insure nearly half of the entire U.S. market share. The data below ranks some of the different options .

Top Auto Insurance Company Ratings
Progressive Allstate Geico State Farm
Overall Cost 3rd 4th 1st 2nd
Customer Satisfaction 3rd 2nd 1st 4th
Claims Service 4th 1st 3rd 2nd
Discounts Available 4th 1st 2nd 3rd
Mechanical breakdown insurance Yes No Yes No
Emergency roadside service Yes Yes Yes Yes
Uber and Lyft insurance Yes Yes Yes Yes
Rate for vehicle usage Yes Yes No Yes
New car replacement coverage No Yes No No
Accident forgiveness coverage Yes Yes Yes No
Available in Oklahoma Yes Yes Yes Yes
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How to find cheaper insurance for college students

It is possible to find better rates, and here are some thrifty ideas that can help you quote lower-cost car insurance.

  • Frequent claims will increase rates
  • Just one traffic violation will increase your rates
  • Buying your home and auto policies from the same company can earn a discount
  • Get cheaper liability coverage by choosing a safer vehicle
  • Remain accident-free and save
  • Compare rates regularly to ensure the best deal

That last tip is incredibly necessary, as we noted in this piece. Prices charged by car insurance companies can change considerably in a year, so drivers shouldn’t hesitate to buy a policy from a new company if a cheaper price is available.

Having a favorite company is fine, but we do not recommend it if that loyalty ends up costing a small fortune year after year. In just a few minutes you could shop around and find cheaper car insurance for college students.

Cheap insurance quotes for students in college

There are many different ways to find cheap car insurance in Oklahoma, but the most prevalent ways are using an independent agent, an exclusive insurance agent such as Allstate or Auto-Owners, or from a direct company like Progressive or Geico. You can use whichever you prefer, but car insurance buyers need to understand the differences in how they work.

Independent agencies can place your business with multiple companies and can provide price quotes from all of them. Agents of this type are not employed by only one company and can provide you with more rates, which can help you get a better comparison. If your premiums go up, your policy can be easily switched to a different company and you don’t have to find a new agent.

Exclusive agents are limited to one company, for example a State Farm or Farmers agent. Exclusive agents are unable to place coverage with different providers, so they have to upsell other benefits.

Car insurance from a direct company means you skip a local insurance agent and instead shop direct either online or via phone. Shopping direct may be preferred by families who do not have a complex risk profile and have some degree of understanding of how their policy works.

What is the best method to find cheap car insurance for college students in Oklahoma? It would be premature to say buying direct results in the cheapest rates since it doesn’t require paying agent commissions, but unfortunately, it’s not that cut and dried. A valid argument could also be made that an independent agency is the best way since they can provide multiple quotes, but again, it’s not necessarily true. For the right applicant, the exclusive agents may have very competitive prices that are the cheapest.

Since car insurance prices are based on many different factors, the best method to ensure you are not overpaying is to obtain price quotes and compare them. Money-saving experts recommend you get prices from all three types to have enough rates to compare. For a list of companies with cheap rates in Oklahoma, click here to view.