Rate Comparison Chart – Auto Insurance – Oklahoma City

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

OKLAHOMA CITY 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. $2,568.00 $2,367.00 $1,088.00 $888.00 $570.00 $570.00 $545.00 $545.00 $573.00 $573.00
AMERICAN MERCURY INSURANCE CO. $3,599.00 $2,717.00 $1,402.00 $1,102.00 $698.00 $698.00 $544.00 $544.00 $842.00 $842.00
AMERICAN NATIONAL PROPERTY & CASUALTY CO. $2,795.00 $2,457.00 $1,656.00 $1,485.00 $838.00 $813.00 $835.00 $797.00 $628.00 $640.00
CSAA GENERAL INSURANCE COMPANY $2,246.00 $1,952.00 $1,330.00 $1,153.00 $702.00 $591.00 $643.00 $503.00 $752.00 $555.00
EQUITY INSURANCE COMPANY $3,610.00 $2,683.00 $1,938.00 $1,702.00 $1,099.00 $1,068.00 $1,036.00 $1,107.00 $1,378.00 $1,299.00
FARMERS INSURANCE COMPANY $3,544.00 $3,399.00 $1,474.00 $1,310.00 $899.00 $905.00 $653.00 $625.00 $656.00 $576.00
GEICO CASUALTY COMPANY $1,558.00 $1,557.00 $411.00 $401.00 #262.00 $262.00 $251.00 $251.00 $311.00 $311.00
HARBOR INSURANCE COMPANY $3,516.00 $3,516.00 $1,830.00 $1,632.00 $1,122.00 $1,122.00 $1,122.00 $1,122.00 $1,242.00 $1,242.00
LM GENERAL INSURANCE COMPANY* $5,725.00 $5,182.00 $2,966.00 $2,670.00 $1,753.00 $1,744.00 $1,739.00 $1,659.00 $1,692.00 $1,716.00
OKLAHOMA FARM BUREAU MUTUAL INS. CO. $2,067.00 $1,367.00 $1,549.00 $1,091.00 $642.00 $642.00 $543.00 $543.00 $501.00 $501.00
PROGRESSIVE DIRECT INSURANCE COMPANY $3,724.00 $3,325.00 $1,349.00 $1,151.00 $768.00 $803.00 $651.00 $669.00 $738.00 $741.00
PROGRESSIVE NORTHERN INSURANCE COMPANY $3,458.00 $3,062.00 $1,309.00 $1,058.00 $666.00 $696.00 $532.00 $545.00 $628.00 $619.00
SAFECO INSURANCE COMPANY OF AMERICA $2,911.00 $2,601.00 $820.00 $742.00 $524.00 $488.00 $501.00 $431.00 $570.00 $438.00
SHELTER MUTUAL INSURANCE COMPANY $2,720.00 $1,738.00 $1,628.00 $1,250.00 $786.00 $786.00 $660.00 $660.00 $582.00 $582.00
STATE FARM FIRE & CASUALTY COMPANY $3,159.00 $2,386.00 $1,536.00 $1,221.00 $759.00 $759.00 $698.00 $698.00 $604.00 $604.00
STATE FARM MUTUAL AUTOMOBILE INS. CO. $2,599.00 $1,956.00 $1,253.00 $997.00 $611.00 $611.00 $564.00 $564.00 $490.00 $490.00
TRADERS INSURANCE COMPANY $4,455.00 $3,497.00 $3,144.00 $2,316.00 $995.00 $985.00 $959.00 $916.00 $1,113.00 $1,092.00
UNITED SERVICES AUTOMOBILE ASSOCIATION(USAA) $1,332.00 $1,130.00 $568.00 $484.00 $311.00 $313.00 $293.00 $292.00 $316.00 $307.00
USAA CASUALTY INSURANCE COMPANY $1,723.00 $1,463.00 $668.00 $569.00 $361.00 $364.00 $340.00 $339.00 $370.00 $360.00
USAA GENERAL INDEMNITY COMPANY $1,755.00 $1,508.00 $870.00 $759.00 $477.00 $478.00 $383.00 $383.00 $412.00 $410.00

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