Cheap Car Insurance for Low Mileage Drivers in Oklahoma

The words “affordable” and “insurance” really should not be used together, specifically when you are searching for the best car insurance rates for low mileage drivers. Because it’s so expensive, let’s familiarize you with some of the factors that impact auto insurance premiums, and see if we can help you lower the cost of your next policy.

For infrequent drivers, one of the big things that affect the policy price is where your car is garaged in Oklahoma. Cities with more crime and/or more people like Tulsa, Bixby, and Broken Arrow are more likely to pay higher prices, whereas more rural areas have the benefit of cheap car insurance for low mileage drivers in Oklahoma.

The following table rates the most costly cities in Oklahoma for low mileage drivers in which to purchase auto insurance.

Rate quotes are comparative as the specific garaging location can impact insurance rates considerably.

Locating cheap car insurance is hard enough, and figuring out which companies quote the lowest-priced auto insurance rates for low mileage drivers may require additional perseverance.

Each insurance company has a unique formula for determining rates, so let’s begin by taking a look at the most affordable auto insurance companies in Oklahoma. It’s a good idea to be aware that Oklahoma auto insurance rates are determined by lots of factors that control your annual premium. This price variation is why it is so important to compare many different companies to find the most economical car insurance quotes for low mileage drivers. Prices are impacted by many risk factors and can change substantially, so the best option two years ago may now be quite expensive.

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Oklahoma Farmers Union normally has some of the best car insurance rates in Oklahoma at around $1,166 each year. USAA, The Hartford, Safe Auto, and GEICO also are some of the cheapest Oklahoma auto insurance companies.

In the rate table above, if you have coverage with USAA and switched to Oklahoma Farmers Union, you could earn an annual premium reduction of approxmiately $19. Policyholders with The Hartford could save as much as $193 a year, and Safe Auto insureds might realize rate reductions of up to $211 a year.

To find out how much you can save, click here to start your custom quote or visit any of the companies below.

Bear in mind that those premiums are averages across all drivers and vehicles in Oklahoma and are not factoring in a price discount for low mileage drivers. So the insurer that can offer you the lowest price may not even be shown in the list above. That points out the importance of why you need to get rate quotes from many companies using your own driver and vehicle profiles.

The type of vehicle you are buying coverage for is one of the largest factors when trying to find cheap car insurance for low mileage drivers in Oklahoma. Vehicles with economical engines, a plethora of safety features, or a positive history of liability claims will cost less to insure than fast, unsafe models. The data below estimates auto insurance premiums for a number of the more afforable vehicles to insure in Oklahoma.

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Estimates do not factor in specific location which can lower or raise premium rates greatly.

Looking at the rates, cars like the Ford Escape, Toyota Prius, Ford Explorer, and Honda Accord will be the most budget-friendly vehicles to insure for infrequent drivers.

Insurance rate increases from tickets or accidents

The common sense way to obtain cheap car insurance for low mileage drivers in Oklahoma is to be a cautious driver and not get tickets or have accidents. The illustration below demonstrates how speeding tickets and at-fault collisions raise car insurance rates for different ages of insureds. The data assumes a single male driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

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The data in the chart shows the average cost of a car insurance policy in Oklahoma per year with no accidents and a clean driving record is $2,308. Get one speeding ticket and the average cost swells to $2,601, an increase of $293 each year. Then add in two accidents along with the one speeding ticket and the 12-month cost of auto insurance for low mileage drivers increases to an average of $5,155. That’s an increase of $2,846, or $237 per month, just for not keeping your driving record clean!

Choosing the right car insurance provider can be challenging considering how many choices you have in Oklahoma. The information below may help you analyze which auto insurers you want to consider buying from. The rankings below are only made up of the companies with a significant amount of written premium nationwide, so companies that focus mainly on Oklahoma business are not factored into these rankings.

Top 10 Major Car Insurance Companies in Oklahoma Ranked by Claims Service

1. Travelers
2. Allstate
3. Nationwide
4. State Farm
5. GEICO
6. Liberty Mutual
7. American Family
8. Esurance
9. AAA Insurance
10. The Hartford

Top 10 Major Car Insurance Companies in Oklahoma Ranked by Customer Satisfaction

1. USAA – 91%
2. Esurance – 90%
3. AAA Insurance – 90%
4. Mercury Insurance – 89%
5. Nationwide – 89%
6. Progressive – 88%
7. Safeco Insurance – 88%
8. State Farm – 88%
9. Allstate – 88%
10. Travelers – 88%