How Much Does Auto Insurance Cost for Young Drivers in Oklahoma?

For youthful drivers, one of the more important factors that influence the annual cost of car insurance is where your car is garaged in Oklahoma. Cities with larger populations like Bethany, Broken Arrow, and Del City tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims get the luxury of paying less.

The information below sorts the higher priced cities in Oklahoma for young drivers to buy auto insurance in.

Premium amounts are estimated as the specific zip code location can change insurance rates considerably.

Everyone has different tastes in autos, and the style of vehicle you are buying coverage for is probably the largest consideration when quoting cheap car insurance for young drivers in Oklahoma. Vehicles with lots of horsepower, a lack of modern safety features, or a history of substantial liability claims will cost significantly more to insure than more modest models.

The information below illustrates car insurance rates for the more afforable automobiles to insure in Oklahoma.

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 safe-driver, and claim-free. Premium amounts do not factor in specific garaging location which can raise or lower rates considerably.

Data rating is 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. Prices do not factor in specific location information which can raise or lower insurance rates greatly.

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. Price information does not factor in garaging location in Oklahoma which can alter auto insurance rates substantially.

Discounts on cheap car insurance for young drivers in Oklahoma

Insurance companies that sell policies for young drivers may have special discounts that could reduce prices by as much as 35% or more if you meet specific eligibility requirements. A few popular companies and a selection of discounts can be found below.

The illustration below illustrates the difference between annual premium costs with and without some available policy discounts. The premiums are based on a female driver, a clean driving record, no claims, Oklahoma state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with paperless filing, vehicle safety, continuous coverage, anti-theft, paid-in-full, and passive restraint discounts applied. When discounts are factored in, the average amount saved each year on auto insurance for young drivers is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 17’, 5925,4243],[‘Age 30’, 2517,1825],[‘Age 40’, 2333,1691],[‘Age 50’, 2041,1479],[‘Age 60’, 1971,1429]]);var options = {title: ‘Insurance Rate Comparison for Young Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,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);}

Cautious drivers save money

The best way to receive good auto insurance premiums for youthful drivers is to drive safely and avoid traffic citations and accidents. The chart below illustrates how speeding tickets and accident claims can influence premium costs for different ages of insureds. The premium estimates are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 2065,2307,4581],[‘Age 30’, 1421,1663,3939],[‘Age 40’, 1415,1659,3935],[‘Age 50’, 1251,1493,3769],[‘Age 60’, 1187,1429,3705],[‘Age 70’, 1289,1531,3807]]);var options = {title: ‘Effect of Tickets and Claims on Oklahoma Insurance Cost’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of car insurance in Oklahoma per year with a clean driving record and no accidents is $1,438. Factor in one speeding ticket and the average cost increases to $1,680, an increase of $242 each year. Then include two accidents along with the one speeding ticket and the yearly cost of auto insurance for young drivers increases to an average of $3,956. That’s an increase of $2,518, or $210 per month, just for not being a responsible driver!

State Farm, Progressive, Geico, or Allstate: Who is best?

If you are looking for the best auto insurance for youthful drivers in Oklahoma, the four most popular companies are State Farm, Progressive, Geico, and Allstate. The data below compares and contrasts some of the ratings and options that you can purchase from each one.