Wouldn’t it be perfect if you could just magically know the single best car insurance company that has the cheapest insurance for a learners permit? Unfortunately, it’s just not that easy, as there are a whole slew of unknown elements like the liability limit you need, the liability claim history for your vehicle model, your financial stability, and the amount of physical damage deductibles, that all have an effect on the price. If you keep reading, we will teach you about the best ways to find cheap auto insurance and educate you enough to have a good beginning to your search for cheaper coverage.
Deciding which companies have the cheapest auto insurance rates for a learners permit calls for a bit more work than just comparing rates from one or two companies. Each auto insurance company used slightly different criteria to establish rates, so let’s look at the rankings for the most budget-friendly auto insurance companies in Oklahoma.
Best Auto Insurance Prices in Oklahoma
Rank | Company | Cost Per Year |
---|---|---|
1 | USAA | $1,161 |
2 | Oklahoma Farmers Union | $1,166 |
3 | The Hartford | $1,333 |
4 | GEICO | $1,381 |
5 | Farmers | $1,394 |
6 | Safe Auto | $1,419 |
7 | State Farm | $1,536 |
8 | Liberty Mutual | $1,871 |
9 | Travelers | $1,925 |
10 | OK Farm Bureau | $2,018 |
11 | Mercury | $2,033 |
12 | Progressive | $2,157 |
13 | Shelter | $2,173 |
14 | Home State | $2,193 |
15 | MetLife | $2,235 |
16 | Allstate | $2,400 |
17 | Safeco | $5,056 |
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USAA quotes some of the cheapest car insurance rates in Oklahoma at around $1,161 annually. Oklahoma Farmers Union, The Hartford, GEICO, and Farmers also rank well as some of the cheaper Oklahoma auto insurance companies.
As shown above, if you currently have coverage with GEICO and switched to Oklahoma Farmers Union, you may see annual savings of around $215. Customers with Farmers might save as much as $228 a year, and Safe Auto policyholders might reduce rates by $253 a year.
To find cheap auto insurance for a learners permit in Oklahoma, click here to start your free quote or feel free to get quotes from the companies below.
These premiums are averages across all types of drivers and the different vehicles they drive and and are not calculated with a price surcharge for a learners permit. So the car insurance company that can offer the best rates for your situation may not even be shown in the above rate chart. That emphasizes why you need to quote rates from many companies using your own driver and vehicle profiles.
One of the many components that is used by auto insurance companies to calculate rate quotes is where your residence is in Oklahoma. Areas that are more densely populated like Tulsa, Bixby, and Midwest City tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims generally have lower rates.
The information below sorts the highest-priced areas in Oklahoma for a learners permit to buy car insurance in.
Rank | City | Premium Per Year |
---|---|---|
1 | Tulsa | $2,282 |
2 | Del City | $2,243 |
3 | Bixby | $2,235 |
4 | Sand Springs | $2,227 |
5 | Midwest City | $2,205 |
6 | Oklahoma City | $2,199 |
7 | Bethany | $2,157 |
8 | Broken Arrow | $2,151 |
9 | Owasso | $2,127 |
10 | Edmond | $2,105 |
11 | Norman | $2,095 |
12 | Sapulpa | $2,081 |
13 | Moore | $2,069 |
14 | Shawnee | $2,048 |
15 | Yukon | $2,015 |
16 | Stillwater | $1,989 |
17 | Claremore | $1,987 |
18 | Ponca City | $1,956 |
19 | Muskogee | $1,943 |
20 | Ardmore | $1,936 |
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Prices are estimated as the specific Oklahoma residence address can influence premium rates noticeably.
The car, truck, or SUV to be insured is one of the largest factors in finding cheap auto insurance for a learners permit in Oklahoma. Vehicles with lower performance, an excellent safety record, or a positive history of liability claims will cost much less to insure than high performance models.
The information below shows insurance costs for a handful of the most budget-friendly automobiles to insure.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Ford Focus SEL 4-Dr Sedan | $5,908 | $2,954 | $492 |
Ford Fusion SEL AWD 4-Dr Sedan | $6,440 | $3,220 | $537 |
Honda Accord EX 2-Dr Coupe | $6,374 | $3,187 | $531 |
Honda Civic VP 4-Dr Sedan | $5,908 | $2,954 | $492 |
Hyundai Elantra GLS 4-Dr Sedan | $5,966 | $2,983 | $497 |
Nissan Altima Hybrid 4-Dr Sedan | $6,026 | $3,013 | $502 |
Toyota Camry XLE | $5,966 | $2,983 | $497 |
Toyota Corolla LE | $5,966 | $2,983 | $497 |
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Premium data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in specific zip code location which can influence rates considerably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Acura MDX Advance/Entertainment 4WD | $6,084 | $3,042 | $507 |
Chevrolet Traverse LTZ AWD | $5,196 | $2,598 | $433 |
Ford Escape XLT 4WD | $4,780 | $2,390 | $398 |
Ford Expedition Eddie Bauer 2WD | $5,554 | $2,777 | $463 |
Ford Explorer XLT 2WD | $5,252 | $2,626 | $438 |
GMC Acadia SL 2WD | $5,194 | $2,597 | $433 |
Honda CR-V EX-L 2WD | $4,780 | $2,390 | $398 |
Honda Fit Sport | $4,536 | $2,268 | $378 |
Honda Pilot EX 2WD | $5,312 | $2,656 | $443 |
Jeep Grand Cherokee Laredo 2WD | $5,608 | $2,804 | $467 |
Toyota Highlander Hybrid 4WD | $6,084 | $3,042 | $507 |
Toyota RAV4 Limited 4WD | $5,608 | $2,804 | $467 |
Volvo XC90 V8 AWD | $6,440 | $3,220 | $537 |
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Cost estimates assume single male 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. Rate information does not factor in your specific Oklahoma location which can raise or lower prices considerably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Colorado LT 2WD | $5,136 | $2,568 | $428 |
Chevrolet Silverado LS Extended Cab 4WD | $5,608 | $2,804 | $467 |
Dodge Ram 3500 Crew Cab Laramie 2WD | $6,498 | $3,249 | $542 |
Dodge Ram Crew Cab Laramie 2WD | $6,492 | $3,246 | $541 |
Ford F-150 FX2 2WD | $5,668 | $2,834 | $472 |
Ford F-350 XL Crew Cab 2WD | $6,084 | $3,042 | $507 |
GMC Canyon SLE Regular Cab 2WD | $5,194 | $2,597 | $433 |
GMC Sierra SLT Extended Cab 4WD | $6,026 | $3,013 | $502 |
Toyota Tacoma 2WD | $5,550 | $2,775 | $463 |
Toyota Tundra Regular Cab 2WD | $5,602 | $2,801 | $467 |
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Data variables include single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium costs do not factor in your specific Oklahoma location which can increase or decrease coverage prices considerably.
When researching car insurance for new drivers in Oklahoma, the top insurers to get price quotes from are Progressive, Geico, State Farm, and Allstate. Combined they insure 48.5% of all policies written in the United States. The data below rates pricing and service ratings, as well as optional policy coverages you can buy with each company.
Progressive | Geico | State Farm | Allstate | |
---|---|---|---|---|
Overall Price | 3rd | 1st | 2nd | 4th |
Customer Satisfaction | 3rd | 1st | 4th | 2nd |
Claims Service | 4th | 3rd | 2nd | 1st |
Discounts Available | 4th | 2nd | 3rd | 1st |
Customers who recommend | 88% | 87% | 88% | 86% |
A.M. Best rating | A+ | A++ | A++ | A+ |
Standard & Poor’s financial rating | AA | AA+ | AA | AA- |
Mechnical breakdown | Yes | Yes | No | No |
New car replacement | No | No | No | Yes |
Roadside assistance | Yes | Yes | Yes | Yes |
Accident forgiveness coverage | Yes | Yes | No | Yes |
Rideshare insurance | Yes | Yes | Yes | Yes |
Usage-based insurance | Yes | No | Yes | Yes |
Where you can buy | Buy online or from an independent agent | Online or through a Geico agent | Only from State Farm agents | Only buy from Allstate agents |
Number of agents | 30,000+ | 150+ | 18,000+ | 11,000+ |
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