Rate Comparison Chart – Auto Insurance – Tulsa

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

TULSA 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. $2,421.00 $2,231.00 $1,031.00 $845.00 $547.00 $547.00 $522.00 $522.00 $548.00 $548.00
AMERICAN MERCURY INSURANCE CO. $3,645.00 $3,079.00 $1,400.00 $1,258.00 $693.00 $693.00 $541.00 $541.00 $846.00 $846.00
AMERICAN NATIONAL PROPERTY & CASUALTY CO. $3,170.00 $2,794.00 $1,842.00 $1,661.00 $923.00 $897.00 $919.00 $884.00 $701.00 $722.00
CSAA GENERAL INSURANCE COMPANY $2,483.00 $2,158.00 $1,482.00 $1,284.00 $786.00 $659.00 $718.00 $560.00 $836.00 $615.00
EQUITY INSURANCE COMPANY $3,609.00 $2,676.00 $1,926.00 $1,689.00 $1,088.00 $1,057.00 $1,027.00 $1,098.00 $1,370.00 $1,291.00
FARMERS INSURANCE COMPANY $3,542.00 $3,405.00 $1,502.00 $1,338.00 $917.00 $926.00 $666.00 $638.00 $666.00 $587.00
GEICO CASUALTY COMPANY $1,653.00 $1,651.00 $434.00 $423.00 $274.00 $274.00 $261.00 $261.00 $327.00 $327.00
HARBOR INSURANCE COMPANY $3,402.00 $3,402.00 $2,046.00 $1,890.00 $1,188.00 $1,188.00 $1,188.00 $1,188.00 $1,332.00 $1,332.00
LM GENERAL INSURANCE COMPANY* $5,864.00 $5,304.00 $3,030.00 $2,725.00 $1,783.00 $1,775.00 $1,768.00 $1,685.00 $1,718.00 $1,742.00
OKLAHOMA FARM BUREAU MUTUAL INS. CO. $1,809.00 $1,202.00 $1,369.00 $965.00 $537.00 $537.00 $462.00 $462.00 $430.00 $430.00
PROGRESSIVE DIRECT INSURANCE COMPANY $4,084.00 $3,633.00 $1,473.00 $1,246.00 $816.00 $853.00 $688.00 $709.00 $788.00 $791.00
PROGRESSIVE NORTHERN INSURANCE COMPANY $3,960.00 $3,498.00 $1,504.00 $1,203.00 $746.00 $777.00 $596.00 $610.00 $713.00 $700.00
SAFECO INSURANCE COMPANY OF AMERICA $3,109.00 $2,777.00 $875.00 $792.00 $559.00 $521.00 $535.00 $459.00 $608.00 $466.00
SHELTER MUTUAL INSURANCE COMPANY $2,576.00 $1,645.00 $1,541.00 $1,184.00 $744.00 $744.00 $625.00 $625.00 $551.00 $551.00
STATE FARM FIRE & CASUALTY COMPANY $3,184.00 $2,401.00 $1,544.00 $1,228.00 $760.00 $760.00 $700.00 $700.00 $606.00 $606.00
STATE FARM MUTUAL AUTOMOBILE INS. CO. $2,623.00 $1,972.00 $1,262.00 $1,005.00 $614.00 $614.00 $566.00 $566.00 $493.00 $493.00
TRADERS INSURANCE COMPANY $4,967.00 $3,891.00 $3,542.00 $2,597.00 $1,115.00 $1,102.00 $1,085.00 $1,022.00 $1,239.00 $1,217.00
UNITED SERVICES AUTOMOBILE ASSOCIATION(USAA) $1,406.00 $1,191.00 $593.00 $506.00 $325.00 $327.00 $305.00 $304.00 $330.00 $320.00
USAA CASUALTY INSURANCE COMPANY $1,802.00 $1,529.00 $692.00 $590.00 $374.00 $377.00 $351.00 $351.00 $383.00 $373.00
USAA GENERAL INDEMNITY COMPANY $1,878.00 $1,612.00 $923.00 $806.00 $505.00 $507.00 $405.00 $405.00 $437.00 $436.00

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