For senior citizens, one of the big considerations that are used to help calculate the amount you pay each year for auto insurance is where your car is garaged. More populated areas are more likely to pay higher prices, whereas areas with less crime or weather claims benefit from lower rates.
The following table sorts the most expensive areas in Oklahoma for seniors to buy an auto insurance policy in. Oklahoma City comes in at #9 with an annual cost of $2,113 for coverage, which is about $176 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Tulsa | $2,192 |
| 2 | Bethany | $2,157 |
| 3 | Del City | $2,155 |
| 4 | Broken Arrow | $2,151 |
| 5 | Owasso | $2,148 |
| 6 | Bixby | $2,147 |
| 7 | Sand Springs | $2,139 |
| 8 | Midwest City | $2,119 |
| 9 | Oklahoma City | $2,113 |
| 10 | Edmond | $2,105 |
| 11 | Sapulpa | $2,102 |
| 12 | Moore | $2,090 |
| 13 | Claremore | $2,069 |
| 14 | Shawnee | $2,028 |
| 15 | Yukon | $2,015 |
| 16 | Norman | $2,013 |
| 17 | Muskogee | $1,962 |
| 18 | Ardmore | $1,955 |
| 19 | Duncan | $1,942 |
| 20 | Lawton | $1,941 |
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Price information shown is estimated as specific Oklahoma City garaging address can impact rates considerably.
The make and model of vehicle on the policy is probably the biggest factor that determines the availability of the most affordable insurance for seniors. Vehicles with higher performance, a lack of advanced safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than more modest models. The next list ranks coverage prices for a selection of the most economical vehicles to insure in Oklahoma.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $893 |
| Honda CR-V LX 4WD | $900 |
| Honda Accord LX-P 4-Dr Sedan | $893 |
| Toyota Prius | $993 |
| Dodge Grand Caravan SE | $1,000 |
| Honda Odyssey EX W/Rear Entertainment | $1,032 |
| Ford Focus S 4-Dr Sedan | $1,041 |
| Chevrolet Impala LS | $1,032 |
| Toyota Tacoma 2WD | $1,037 |
| Volkswagen Jetta S 4-Dr Sedan | $1,055 |
| Nissan Altima 2.5 4-Dr Sedan | $1,060 |
| Toyota Camry LE | $1,055 |
| Toyota RAV4 2WD | $1,061 |
| Ford Explorer Limited AWD | $1,077 |
| Dodge Ram Quad Cab ST 2WD | $1,084 |
| Ford F-150 Lariat Crew Cab 4WD | $1,077 |
| Hyundai Elantra SE 4-Dr Sedan | $1,111 |
| Toyota Corolla S | $1,121 |
| Ford Edge Sport 2WD | $1,111 |
| GMC Sierra SLE Crew Cab 2WD | $1,132 |
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Table data represents married female driver age 60, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rates do not factor in specific garaging location which can decrease or increase coverage prices significantly.
Looking at the data, you can conclude that vehicles like the Ford Escape, Honda CR-V, Honda Accord, and Toyota Prius will be the most affordable vehicles to insure for senior citizens.
How careless driving impacts Oklahoma City insurance rates
The obvious way to obtain the best insurance premiums for senior citizens is to be a safe driver and not get tickets or have accidents. The information below shows how speeding tickets and accidents can affect insurance prices for different ages of insureds. The rates are based on a single male driver, full coverage, $100 deductibles, and no discounts are factored in.
In the example above, the average cost of auto insurance in Oklahoma City per year with no accidents and a clean driving record is $2,564. Add in one speeding ticket and the average cost surges to $2,887, an increase of $323 each year. Then include two accidents along with the one speeding ticket and the yearly cost of insurance for seniors jumps again to an average of $5,607. That’s an increase of $3,043, or $254 per month, just for not maintaining a clean driving record!
Buying coverage from a high-quality company can be a challenge considering how many companies sell insurance in Oklahoma. The company rank data displayed below could help you analyze which car insurance providers to look at when shopping around.
The ratings below are for companies who write in the majority of U.S. states, so smaller companies are not taken into consideration for this list. If you wish to compare prices from many more Oklahoma auto insurance companies, follow this link.
Top 10 Major Auto Insurance Companies Overall in Oklahoma City
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
The professional agents shown below can aid you in deciding which policy fits your needs best, as some people have coverage questions and would like to have professional advice when comparing insurance rates for seniors. It can be time-consuming to find the best policy on your own, so agents can give peace of mind knowing your coverage gives you adequate protection in the event of a claim.
To locate an Oklahoma City car insurance agency close to where you live, click the button at the bottom.
- Anderson Insurance
10325 Greenbriar Pl – Oklahoma City, OK 73159 – (405) 794-9500 - Terry Amacher – State Farm Insurance Agent
4509 NW 63rd St – Oklahoma City, OK 73132 – (405) 721-5500 - Lynnae Insurance Group
5119 N Western Ave – Oklahoma City, OK 73118 – (405) 217-8851 - Econo-Wise Insurance Agency, Inc.
2705 SW 29th St – Oklahoma City, OK 73119 – (405) 682-6699
More Oklahoma City, OK insurance agents
How to find low-cost car insurance for seniors
The list below summarizes a few money-saving ideas that can help drivers buy cheaper coverage.
- The safer your car, the less it costs to insure
- Bundle home and auto and save
- Increase your credit score
- Drop full coverage on older vehicles
- Higher physical damage deductibles lower rates
- Earn discounts for being claim-free
- Compare prices frequently to find the best deal
The last suggestion is certainly necessary, as we hit on in the article above. Rates go up and down frequently, so don’t be afraid to buy from a different company if a more affordable price is available.
Many drivers have brand loyalty and that’s fine, but it’s not recommended if your bullheadedness ends up costing you thousands of dollars over several years. In less than five minutes you could compare prices to find cheaper insurance for seniors in Oklahoma City.