Cheap Auto Insurance for Police Officers in Oklahoma

You have probably watched the captivating ads from companies like Liberty Mutual, GEICO, and The General claiming the cheapest rates, so you just need to choose the one with the flashiest ad, right?

It’s not that simple, unfortunately, as there are a whole slew of unknown elements like the crime level of your neighborhood, the likelihood of your vehicle having a liability claim, the amount of liability coverage you want, and if you have ever had a coverage lapse. In this article, we will cover the best ways to maintain low rates and will hopefully give you a solid foundation to find cheaper car insurance in Oklahoma.

When shopping for the cheapest car insurance for law enforcement personnel, one of the many things that car insurance companies use to calculate the price of your policy is where you keep your car in Oklahoma. Areas with more people like Bixby, Midwest City, and Del City tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents benefit from lower coverage costs.

The next table sorts the highest-priced areas in Oklahoma for police officers to purchase a policy in.

Premium amounts are comparative as zip code location can lower or raise auto insurance rates noticeably.

Establishing which company has the best insurance rates for police officers requires a little more work than just getting one or two price quotes. Every insurance provider uses a different method for filing rates in each state, so let’s rank the most affordable insurance companies in Oklahoma.

We do need to point out that Oklahoma insurance rates are impacted by many factors that will increase or decrease your annual premium. Simply getting older, marrying your spouse, or getting a ticket for careless driving can trigger changes in premium resulting in some companies being cheaper than before.

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USAA offers some of the most affordable car insurance rates in Oklahoma at around $1,150 each year. Oklahoma Farmers Union, The Hartford, GEICO, and Safe Auto also are some of the more affordable Oklahoma car insurance companies.

In the above rates, if you currently have a policy with Oklahoma Farmers Union and switched to USAA, you may see yearly savings of in the vicinity of $52. Drivers with The Hartford could save as much as $183 a year, and GEICO customers might cut rates by $203 a year.

Remember that these premium estimates are averages for all ages of drivers and types of vehicles and and are not figured with a rate decrease for police officers. So the company that is best suited for you may not even be included in the above list. That underscores the importance of why you need to quote rates from many companies using your own specific driver information and vehicle.

State Farm, Allstate, Geico, and Progressive: Who is cheapest?

If you want the best auto insurance, the four most popular companies are State Farm, Allstate, Geico, and Progressive. When combined, they have over 45% of the entire U.S. car insurance market. Each one has slightly different coverages and options that may influence your buying decision. The next table breaks down some of the ratings and options offered by each one.