Rate Comparison Chart – Auto Insurance – McAlester

Companies were asked to provide rates for standard personal auto program for each of five scenarios shown using assumptions listed below.

Scenario A Scenario B Scenario C Scenario D Scenario E
  • Age: 16
  • Single male/female
  • Principal operator
  • Drives to school
  • No accidents or moving violations in 3 years
  • Drives less than 7,500 miles annually
  • Age: 21
  • Single male/female
  • Principal operator
  • Drives 18 miles roundtrip to work
  • No accidents or moving violations in 3 years
  • Drives 12,000 miles annually
  • Age: 36
  • Married male/female
  • Principal operator
  • Drives 18 miles roundtrip to work
  • No accidents or moving violations in 3 years
  • Drives 12,000 miles annually
  • Age: 55
  • Married male/female
  • Principal operator
  • Drives 18 miles roundtrip to work
  • No accidents or moving violations in 3 years
  • Drives 12,000 miles annually
  • Age: 70
  • Married male/female
  • Principal operator
  • Pleasure use only
  • No accidents or moving violations in 3 years
  • Drives 7,500 miles annually

*Click on a column heading to sort the chart based on that column

McALESTER A-Male A-Female B-Male B-Female C-Male C-Female D-Male D-Female E-Male E-Female
ALLSTATE FIRE & CASUALTY INSURANCE CO. $2,130.00 $1,936.00 $974.00 $793.00 $512.00 $512.00 $487.00 $487.00 $506.00 $506.00
AMERICAN MERCURY INSURANCE CO. $2,894.00 $2,406.00 $1,155.00 $1,032.00 $571.00 $571.00 $444.00 $444.00 $681.00 $681.00
AMERICAN NATIONAL PROPERTY & CASUALTY CO. $2,450.00 $2,132.00 $1,548.00 $1,366.00 $806.00 $777.00 $802.00 $748.00 $577.00 $573.00
CSAA GENERAL INSURANCE COMPANY $1,943.00 $1,685.00 $1,225.00 $1,053.00 $667.00 $552.00 $598.00 $462.00 $674.00 $489.00
EQUITY INSURANCE COMPANY $2,790.00 $2,069.00 $1,495.00 $1,310.00 $845.00 $821.00 $797.00 $852.00 $1,062.00 $1,000.00
FARMERS INSURANCE COMPANY $2,901.00 $2,783.00 $1,337.00 $1,193.00 $870.00 $871.00 $624.00 $603.00 $596.00 $528.00
GEICO CASUALTY COMPANY $1,484.00 $1,472.00 $409.00 $397.00 $263.00 $263.00 $249.00 $249.00 $306.00 $306.00
HARBOR INSURANCE COMPANY $2,856.00 $2,856.00 $1,650.00 $1,536.00 $972.00 $972.00 $972.00 $972.00 $1,584.00 $1,092.00
LM GENERAL INSURANCE COMPANY* $5,493.00 $4,907.00 $2,924.00 $2,618.00 $1,738.00 $1,733.00 $1,726.00 $1,642.00 $1,662.00 $1,678.00
OKLAHOMA FARM BUREAU MUTUAL INS. CO. $1,561.00 $1,031.00 $1,186.00 $833.00 $529.00 $529.00 $438.00 $438.00 $401.00 $401.00
PROGRESSIVE DIRECT INSURANCE COMPANY $2,937.00 $2,620.00 $1,097.00 $933.00 $639.00 $662.00 $546.00 $559.00 $611.00 $614.00
PROGRESSIVE NORTHERN INSURANCE COMPANY $2,634.00 $2,328.00 $1,005.00 $806.00 $514.00 $533.00 $409.00 $416.00 $480.00 $472.00
SAFECO INSURANCE COMPANY OF AMERICA $2,463.00 $2,203.00 $744.00 $672.00 $484.00 $450.00 $460.00 $397.00 $510.00 $393.00
SHELTER MUTUAL INSURANCE COMPANY $2,083.00 $1,331.00 $1,246.00 $1,028.00 $602.00 $602.00 $506.00 $506.00 $446.00 $446.00
STATE FARM FIRE & CASUALTY COMPANY $2,572.00 $1,985.00 $1,317.00 $1,040.00 $689.00 $689.00 $624.00 $624.00 $527.00 $527.00
STATE FARM MUTUAL AUTOMOBILE INS. CO. $2,070.00 $1,588.00 $1,044.00 $827.00 $536.00 $536.00 $488.00 $488.00 $415.00 $415.00
TRADERS INSURANCE COMPANY $3,984.00 $3,084.00 $3,066.00 $2,186.00 $938.00 $925.00 $916.00 $853.00 $1,006.00 $994.00
UNITED SERVICES AUTOMOBILE ASSOCIATION(USAA) $1,183.00 $995.00 $518.00 $439.00 $287.00 $287.00 $269.00 $266.00 $284.00 $273.00
USAA CASUALTY INSURANCE COMPANY $1,655.00 $1,392.00 $657.00 $556.00 $358.00 $359.00 $335.00 $331.00 $356.00 $343.00
USAA GENERAL INDEMNITY COMPANY $1,843.00 $1,558.00 $961.00 $829.00 $527.00 $523.00 $423.00 $417.00 $442.00 $434.00

Comparison of 6 month premiums for a 2010 Chevrolet Malibu LS 4-door sedan reflects the following insurance coverage: A $25,000 max. bodily injury limit for anyone person in any one accident subject to a max. for all bodily injury damages of $50,000 in any one accident; a $25,000 max. limit for property damage liability for any one accident; a $500 comprehensive deductible; a $500 collision deductible.

PLEASE NOTE:

  1. The following rate comparisons do not include available discounts for the actual operator (i.e. accident-free, good student, etc.) but do include discounts available for the vehicle (i.e. passive restraint or anti-lock braking systems, etc.)
  2. Each scenario provided has a quote for both a male and a female operator.
  3. Each insurer has its own underwriting guidelines. These scenarios are assuming the insured meets all criteria as set forth by the company in determining eligibility.

Source: Oklahoma Departement Insurance – Auto