Rate Comparison Chart – Auto Insurance – Woodward

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

WOODWARD 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. $1,970.00 $1,813.00 $922.00 $757.00 $497.00 $497.00 $471.00 $471.00 $486.00 $486.00
AMERICAN MERCURY INSURANCE CO. $3,050.00 $2,551.00 $1,257.00 $1,096.00 $635.00 $635.00 $492.00 $492.00 $735.00 $735.00
AMERICAN NATIONAL PROPERTY & CASUALTY CO. $2,433.00 $2,108.00 $1,585.00 $1,388.00 $844.00 $808.00 $839.00 $774.00 $589.00 $576.00
CSAA GENERAL INSURANCE COMPANY $2,111.00 $1,826.00 $1,341.00 $1,151.00 $736.00 $606.00 $658.00 $507.00 $735.00 $533.00
EQUITY INSURANCE COMPANY $2,453.00 $1,843.00 $1,366.00 $1,206.00 $788.00 $768.00 $740.00 $787.00 $964.00 $911.00
FARMERS INSURANCE COMPANY $3,073.00 $2,941.00 $1,482.00 $1,322.00 $1,014.00 $1,008.00 $724.00 $704.00 $671.00 $596.00
GEICO CASUALTY COMPANY $1,421.00 $1,408.00 $396.00 $384.00 $254.00 $254.00 $240.00 $240.00 $293.00 $293.00
HARBOR INSURANCE COMPANY $2,742.00 $2,742.00 $1,674.00 $1,434.00 $888.00 $888.00 $888.00 $888.00 $1,098.00 $1,098.00
LM GENERAL INSURANCE COMPANY* $5,101.00 $4,552.00 $2,793.00 $2,485.00 $1,676.00 $1,662.00 $1,650.00 $1,572.00 $1,577.00 $1,596.00
OKLAHOMA FARM BUREAU MUTUAL INS. CO. $1,709.00 $1,111.00 $1,345.00 $938.00 $500.00 $500.00 $484.00 $484.00 $417.00 $417.00
PROGRESSIVE DIRECT INSURANCE COMPANY $2,955.00 $2,634.00 $1,118.00 $950.00 $664.00 $682.00 $563.00 $572.00 $624.00 $625.00
PROGRESSIVE NORTHERN INSURANCE COMPANY $2,780.00 $2,452.00 $1,074.00 $856.00 $560.00 $576.00 $441.00 $449.00 $511.00 $504.00
SAFECO INSURANCE COMPANY OF AMERICA $2,199.00 $1,981.00 $606.00 $557.00 $405.00 $386.00 $392.00 $350.00 $449.00 $366.00
SHELTER MUTUAL INSURANCE COMPANY $2,178.00 $1,391.00 $1,303.00 $1,001.00 $629.00 $629.00 $529.00 $529.00 $466.00 $466.00
STATE FARM FIRE & CASUALTY COMPANY $2,489.00 $1,892.00 $1,264.00 $998.00 $669.00 $669.00 $604.00 $604.00 $508.00 $508.00
STATE FARM MUTUAL AUTOMOBILE INS. CO. $1,954.00 $1,506.00 $997.00 $788.00 $517.00 $517.00 $469.00 $469.00 $397.00 $397.00
TRADERS INSURANCE COMPANY $3,968.00 $3,062.00 $3,085.00 $2,197.00 $954.00 $936.00 $925.00 $859.00 $1,011.00 $994.00
UNITED SERVICES AUTOMOBILE ASSOCIATION(USAA) $1,237.00 $1,033.00 $568.00 $477.00 $313.00 $312.00 $293.00 $286.00 $301.00 $287.00
USAA CASUALTY INSURANCE COMPANY $1,566.00 $1,310.00 $647.00 $544.00 $353.00 $352.00 $330.00 $324.00 $343.00 $329.00
USAA GENERAL INDEMNITY COMPANY $1,686.00 $1,418.00 $922.00 $790.00 $508.00 $500.00 $409.00 $399.00 $418.00 $406.00

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