One of the many criteria that aid in calculating the amount you pay each year for auto insurance is where you live. More densely populated places tend to pay more, whereas less populated areas benefit from lower rates.
The following table shows the highest-priced places in Oklahoma for low mileage drivers to purchase car insurance in. Oklahoma City makes the list at #5 with an annual cost of $2,199 for the average insurance policy, which is around $183 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Tulsa | $2,259 |
| 2 | Sand Springs | $2,227 |
| 3 | Bethany | $2,223 |
| 4 | Midwest City | $2,205 |
| 5 | Oklahoma City | $2,199 |
| 6 | Del City | $2,155 |
| 7 | Broken Arrow | $2,151 |
| 8 | Bixby | $2,147 |
| 9 | Owasso | $2,127 |
| 10 | Edmond | $2,126 |
| 11 | Norman | $2,095 |
| 12 | Moore | $2,090 |
| 13 | Sapulpa | $2,081 |
| 14 | Yukon | $2,055 |
| 15 | Claremore | $2,008 |
| 16 | Shawnee | $1,988 |
| 17 | Bartlesville | $1,981 |
| 18 | Ponca City | $1,976 |
| 19 | Stillwater | $1,970 |
| 20 | Muskogee | $1,943 |
| 21 | Ardmore | $1,898 |
| 22 | Enid | $1,885 |
| 23 | Duncan | $1,885 |
| 24 | Lawton | $1,884 |
| 25 | Altus | $1,876 |
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Annual rates are comparative as the specific garaging location can influence coverage rates significantly.
The car, truck, or SUV on the policy is probably the biggest factor when comparing quotes for the best auto insurance for low mileage drivers. Vehicles with lots of horsepower, poor safety features, or an increased likelihood of liability claims will cost much more to insure than safer models. The next list showcases insurance premiums for a number of the most economical vehicles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,028 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,152 |
| Ford F-150 XL Crew Cab 4WD | $1,175 |
| Chevrolet Impala LS | $1,191 |
| Honda CR-V LX 4WD | $1,258 |
| Ford Escape XLT 2WD | $1,265 |
| Honda Accord LX 4-Dr Sedan | $1,258 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,278 |
| Ford Edge Sport AWD | $1,288 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,301 |
| Chevrolet Malibu LTZ | $1,307 |
| Toyota Tacoma 4WD | $1,320 |
| Ford Focus S 4-Dr Sedan | $1,368 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,375 |
| Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD | $1,386 |
| Toyota Camry Hybrid | $1,389 |
| Jeep Grand Cherokee Laredo 2WD | $1,393 |
| Toyota Prius | $1,398 |
| Dodge Grand Caravan SE | $1,409 |
| GMC Sierra SL Extended Cab 2WD | $1,490 |
| Toyota RAV4 4WD | $1,498 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,492 |
| Honda Odyssey Touring | $1,498 |
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Rate information does not factor in specific garaging location which can revise premiums substantially.
Based upon the table data, you can expect makes and models like the Hyundai Elantra, Jeep Wrangler, Ford F-150, Chevrolet Impala, and Honda CR-V will definitely be the most affordable vehicles to insure for infrequent drivers.
Establishing which companies offer the cheapest insurance rates for low mileage drivers calls for a bit more work than just picking a company at random.
Every auto insurer has their own unique process to determine rates, so we’ll go over the most budget-friendly insurance companies in Oklahoma. It’s important to know that Oklahoma insurance rates are based on many factors which can significantly increase or decrease the cost of having a policy. Getting older, buying a different home, or having an accident may cause policy rate changes resulting in some rates now being cheaper in comparison to the competition.
Cheapest Insurance Rates in Oklahoma
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Oklahoma Farmers Union | $1,166 |
| 2 | USAA | $1,185 |
| 3 | The Hartford | $1,333 |
| 4 | GEICO | $1,340 |
| 5 | Farmers | $1,394 |
| 6 | Safe Auto | $1,405 |
| 7 | State Farm | $1,583 |
| 8 | Travelers | $1,868 |
| 9 | Liberty Mutual | $1,871 |
| 10 | Mercury | $2,053 |
| 11 | OK Farm Bureau | $2,058 |
| 12 | Home State | $2,128 |
| 13 | Shelter | $2,129 |
| 14 | MetLife | $2,235 |
| 15 | Progressive | $2,245 |
| 16 | Allstate | $2,400 |
| 17 | Safeco | $5,056 |
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Oklahoma Farmers Union may offer some of the most affordable car insurance rates in Oklahoma City at around $1,166 per year. USAA, The Hartford, GEICO, and Farmers are also some of the cheaper Oklahoma City, OK car insurance companies.
In the above rates, if you are a customer of Farmers and switched to USAA, you may see annual savings of approximately $209. Customers with Safe Auto could save as much as $220 a year, and State Farm customers might reduce prices by as much as $398 a year.
These prices are averaged across all drivers and vehicles and and are not calculated with a specific zip code for low mileage drivers. So the car insurance company that is most affordable for your situation may not even be in the list above. That helps illustrate why you need to compare rates from multiple companies using your own driver and vehicle profiles.
Get discounts on Oklahoma City insurance
Car insurance companies that offer cheap quotes for low mileage drivers may provide special discounts that could potentially reduce rates by 25% or more if you qualify. A list of companies and some of their more popular discounts are detailed below.
- GEICO may have discounts that include five-year accident-free, defensive driver, daytime running lights, membership and employees, air bags, federal employee, and emergency military deployment.
- Mercury Insurance has discounts for ease of repair, accident-free, good student, good driver, age of vehicle, multi-car, and anti-theft.
- Farmers Insurance offers premium reductions for alternative fuel, distant student, mature driver, early shopping, youthful driver, teen driver, and business and professional.
- Auto-Owners Insurance includes discounts for multiple vehicles, good student, anti-lock brakes, multi-policy, paperless, air bags, and anti-theft.
- Liberty Mutual offers discounts for teen driver discount, new graduate, hybrid vehicle, multi-car, and newly married.
- SAFECO policyholders can earn discounts including teen safety rewards, multi-car, bundle discounts, teen safe driver, anti-theft, and safe driver.
- Progressive discounts include multi-policy, good student, online quote discount, homeowner, multi-vehicle, continuous coverage, and online signing.
- USAA offers discounts including vehicle storage, military installation, driver training, safe driver, loyalty savings, family discount, and good student.
The diagram below visualizes the comparison of yearly insurance costs with and without discounts being applied to the rates. The premiums are based on a female driver, a clean driving record, no at-fault accidents, Oklahoma state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with marriage, homeowner, claim-free, safe-driver, anti-theft, and multiple policy discounts applied. When discounts are applied, theaverage amount saved on insurance for low mileage drivers is 28% or $672.
How careless driving impacts Oklahoma City insurance rates
The common sense way to find the best insurance premiums in Oklahoma City for infrequent drivers is to drive cautiously and not have accidents or get tickets. The illustration below illustrates how violations and accident claims can affect insurance premiums for different age groups. The costs are based on a single female driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.
The data in the chart shows the average cost of an auto insurance policy per year with no accidents or violations is $2,231. Get written up for two speeding tickets and the average cost surges to $2,996, an increase of $765 each year. Then add in two accidents along with the two speeding tickets and the annual cost of insurance for low mileage drivers jumps again to an average of $5,812. That’s an increase of $3,581, or $298 per month, just for not maintaining a clean driving record!
The diagram below illustrates how your choice of deductibles can increase or decrease insurance prices when trying to find cheap insurance for low mileage drivers. The data is based on a married female driver, full physical damage coverage, and no discounts are factored in.
The data above shows that a 30-year-old driver could lower rates by $354 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $538 by selecting a $1,000 deductible. Even younger insureds, like the Age 20 category, could lower their rates as much as $758 annually just by choosing larger deductibles. When choosing a higher deductible, it is important to have additional funds squirreled away to enable you to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.