Best Cheap Car Insurance Quotes for Drivers with Accidents in Oklahoma

For drivers with at-fault accidents, one of the more important things that is used to help calculate the amount you pay for auto insurance is where you keep your vehicle in Oklahoma. Areas with more people like Tulsa, Del City, and Oklahoma City will most likely pay more, whereas areas with less crime or weather claims tend to receive slightly lower rates.

The next table ranks the most expensive areas in Oklahoma for drivers with accidents to purchase a policy in.

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

Finding low-priced auto insurance is easier said than done, and finding out which company has the lowest-priced insurance rates for drivers with accidents involves a bit more work. Coverage rates will be a little bit higher than the average rate in Oklahoma, with the increase attributed to the additional risk that comes with offering insurance for drivers with at-fault accidents, but affordable insurance should be available if you shop around. Every car insurance company uses slightly different criteria for setting prices, so let’s take a look at the insurance companies with the most affordable rates in Oklahoma.

We do need to point out that Oklahoma insurance rates are based on many factors that may substantially change the policy price. This price variation is why it is critical to do a thorough rate comparison to find cheap car insurance rates for drivers with accidents. Prices are made up of many different factors and can increase or decrease at any time, so the cheapest company three years ago may now not even be in the top five.

Best Insurance Companies for Accident Prone Drivers

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USAA may have some of the cheapest car insurance rates in Oklahoma at around $1,196 each year. Oklahoma Farmers Union, GEICO, The Hartford, and Safe Auto would also be considered some of the more affordable Oklahoma auto insurance companies.

In the above rates, if you currently have a policy with Oklahoma Farmers Union and switched to USAA, you may see a yearly savings of upwards of $6. Policyholders with GEICO could save as much as $157 a year, and The Hartford policyholders might reduce rates by $177 a year.

Understand that those estimates are averages for all types of insureds and vehicles and and are not calculated with a price increase for drivers with accidents. So the company that has the lowest price for you may not even be included in the list of companies shown earlier. That helps illustrate why you need to compare rates from multiple companies using your own driver and vehicle profiles.

The vehicle you are insuring is probably the biggest factor when comparing quotes for the best cheap car insurance for drivers with accidents in Oklahoma. Vehicles with limited top-end speed, excellent safety ratings, or a positive history of liability claims will cost much less to insure than fast, unsafe models. The tables below presents auto insurance rates for a selection of the most economical automobiles to insure in Oklahoma.

Above prices assume married male driver age 30, no speeding tickets, two at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Table data does not factor in zip code location which can alter premium rates noticeably.

Table data represents married male driver age 30, no speeding tickets, two at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in zip code location which can affect auto insurance rates substantially.

Data variables include married male driver age 30, no speeding tickets, two at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Table data does not factor in specific location information which can revise insurance rates substantially.

Oklahoma insurance companies

Buying coverage from the right insurance company can be challenging considering how many different companies there are to choose from in Oklahoma. The company ratings displayed below could help you pick which car insurance companies to look at comparing prices from.

The ratings below only include the largest auto insurers in America, so companies that focus mainly on Oklahoma business are not included in these rankings. To compare prices from many more Oklahoma auto insurance companies, simply click here.

The information below shows how different deductible levels can affect insurance rates when trying to find cheap insurance for drivers with accidents. The premiums are based on a single female driver, full coverage, and no discounts are applied.

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As shown above, a 30-year-old driver could cut expenses by $406 a year by switching from a $100 deductible up to a $500 deductible, or save $616 by changing to a $1,000 deductible. Young drivers, like the Age 20 chart data, could shave as much as $902 each year just by choosing higher deductibles. If you do make the decision to raise your deductibles, it will be required to have emergency funds available to enable you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Company comparison: Geico vs Progressive vs State Farm vs Allstate

If you are looking for the best car insurance for drivers with at-fault accidents in Oklahoma, four companies to take a look at are Geico, Progressive, State Farm, and Allstate. The table below points out ratings for price and service, as well as some optional coverages .