When it comes to finding the most affordable auto insurance in Oklahoma, shopping around is essential. Various factors can influence insurance rates, including the provider, your driving history, the type of vehicle, and even your credit score. Below, we compare some of the cheapest auto insurance quotes available in the state.
1. Geico
Geico is known for its competitive rates and robust app. On average, Oklahomans can expect to pay around $78 per month for basic coverage. Geico offers numerous discounts, including those for safe driving, good students, and military personnel, which can further reduce your premium.
2. State Farm
With State Farm, the average monthly premium hovers around $83. Their extensive network of agents allows for personalized service, ensuring that clients find the right coverage for their needs. Additionally, State Farm offers a variety of discounts that can benefit Oklahoma drivers, including multi-policy and safe driver discounts.
3. Progressive
Progressive offers an average monthly premium of $85, appealing to those looking for flexibility with their auto insurance policies. They provide a unique comparison tool, allowing customers to compare their quotes with other providers in real-time. Progressive’s discounts for bundling insurance products are also a significant advantage.
4. Farmers Insurance
Farmers Insurance typically charges around $90 per month. They have a customizable policy that can cater to unique needs, including specialized coverage for classic cars or high-risk drivers. Farmers also offers a variety of discount options, such as discounts for safe driving and vehicle safety features.
5. Allstate
Allstate’s average premium in Oklahoma is approximately $95. They provide a comprehensive array of services, including great customer service and a user-friendly mobile app. Their Drivewise program rewards safe driving, giving customers the chance to save even more
Factors Influencing Insurance Rates
While these companies offer some of the most affordable rates, several factors can influence your specific insurance quote. Your driving history plays a crucial role; a clean driving record typically garners lower rates. The type of vehicle you drive can also significantly impact your premium. High-end or modified cars can lead to higher insurance costs. Additionally, age, credit score, and the coverage options you select will all affect your rate.
Tips for Securing the Best Rate
- Always compare quotes from multiple insurers to ensure you’re getting the best deal.
- Look for discounts that apply to your situation, such as those for bundling policies or maintaining a good driving record.
- Consider increasing your deductible, which can reduce your premium significantly.
- Regularly review your policy and shop around every year to ensure you still have the best rate available.
In conclusion, by comparing quotes from different providers and understanding the factors that influence auto insurance rates, drivers in Oklahoma can find affordable coverage options that fit their needs. The cheapest auto insurance quotes in Oklahoma are available from reputable companies like Geico, State Farm, Progressive, Farmers, and Allstate. Don't forget to leverage discounts and review your policy to secure the best rates possible.
