Auto Insurance Rate Comparison

Rate Comparison Chart:
Companies were asked to provide rates for their standard personal automobile program for each of the 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 three 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 three 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 three 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 three years
  • Drives 12,000 miles annually
  • Age: 70
  • Married male/female
  • Principal operator
  • Pleasure use only
  • No accidents or moving violations in three years
  • Drives 7,500 miles annually

This comparison of six month premiums for a 2010 Chevrolet Malibu LS 4-door sedan reflects the following insurance coverage: A $25,000 maximum bodily injury limit for anyone person in any one accident subject to a maximum for all bodily injury damages of $50,000 in any one accident; a $25,000 maximum 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.

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 FARMERS & RANCHERS MUTUAL INS. CO. $2,522.00 $2,412.00 $1,506.00 $1,446.00 $932.00 $899.00 $915.00 $883.00 $955.00 $920.00
CSAA GENERAL INSURANCE COMPANY $2,332.00 $2,028.00 $1,374.00 $1,192.00 $724.00 $610.00 $664.00 $521.00 $780.00 $575.00
EQUITY INSURANCE COMPANY $3,831.00 $2,845.00 $2,049.00 $1,800.00 $1,161.00 $1,128.00 $1,096.00 $1,171.00 $1,459.00 $1,376.00
FARMERS INSURANCE COMPANY $4,978.00 $4,772.00 $2,030.00 $1,803.00 $1,203.00 $1,209.00 $854.00 $817.00 $869.00 $771.00
GEICO CASUALTY COMPANY $1,650.00 $1,582.00 $410.00 $435.00 $290.00 $290.00 $266.00 $266.00 $333.00 $333.00
HARBOR INSURANCE COMPANY $3,516.00 $3,433.00 $1,830.00 $1,474.00 $1,122.00 $1,016.00 $1,122.00 $1,016.00 $1,242.00 $1,144.00
LM GENERAL INSURANCE COMPANY* $9,587.00 $8,634.00 $4,052.00 $3,740.00 $1,765.00 $1,595.00 $1,765.00 $1,504.00 $2,084.00 $1,481.00
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 $5,151.00 $4,566.00 $1,575.00 $1,395.00 $883.00 $922.00 $794.00 $794.00 $883.00 $889.00
PROGRESSIVE NORTHERN INSURANCE COMPANY $4,901.00 $4,295.00 $1,482.00 $1,178.00 $800.00 $808.00 $640.00 $634.00 $747.00 $709.00
SAFECO INSURANCE COMPANY OF AMERICA $2,023.00 $1,631.00 $1,032.00 $644.00 $418.00 $388.00 $371.00 $329.00 $406.00 $338.00
SHELTER MUTUAL INSURANCE COMPANY $3,030.00 $2,081.00 $1,889.00 $1,471.00 $867.00 $867.00 $728.00 $728.00 $641.00 $641.00
STANDARD FIRE INSURANCE COMPANY $2,714.00 $2,130.00 $1,190.00 $1,009.00 $798.00 $756.00 $640.00 $603.00 $706.00 $637.00
STATE FARM FIRE & CASUALTY COMPANY $3,616.00 $2,839.00 $1,833.00 $1,507.00 $935.00 $935.00 $849.00 $849.00 $747.00 $747.00
STATE FARM MUTUAL AUTOMOBILE INS. CO. $2,503.00 $1,966.00 $1,239.00 $1,016.00 $623.00 $623.00 $581.00 $581.00 $512.00 $512.00
TRADERS INSURANCE COMPANY $4,927.00 $3,853.00 $2,567.00 $1,894.00 $840.00 $831.00 $814.00 $766.00 $945.00 $1,071.00
UNITED SERVICES AUTOMOBILE ASSOCIATION(USAA) $1,953.00 $1,756.00 $622.00 $550.00 $352.00 $355.00 $336.00 $338.00 $359.00 $355.00
USAA CASUALTY INSURANCE COMPANY $2,163.00 $1,948.00 $670.00 $594.00 $363.00 $369.00 $337.00 $341.00 $364.00 $362.00
USAA GENERAL INDEMNITY COMPANY $2,500.00 $2,149.00 $960.00 $832.00 $490.00 $486.00 $397.00 $393.00 $420.00 $414.00
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 FARMERS & RANCHERS MUTUAL INS. CO. $2,338.00 $2,237.00 $1,399.00 $1,343.00 $868.00 $837.00 $853.00 $823.00 $871.00 $840.00
CSAA GENERAL INSURANCE COMPANY $2,580.00 $2,242.00 $1,530.00 $1,327.00 $810.00 $680.00 $741.00 $580.00 $866.00 $637.00
EQUITY INSURANCE COMPANY $3,834.00 $2,838.00 $2,035.00 $1,784.00 $1,147.00 $1,114.00 $1,083.00 $1,159.00 $1,450.00 $1,366.00
FARMERS INSURANCE COMPANY $4,959.00 $4,765.00 $2,068.00 $1,841.00 $1,231.00 $1,242.00 $872.00 $835.00 $885.00 $786.00
GEICO CASUALTY COMPANY $1,693.00 $1,627.00 $411.00 $443.00 $295.00 $295.00 $270.00 $270.00 $341.00 $341.00
HARBOR INSURANCE COMPANY $3,402.00 $3,355.00 $2,046.00 $1,660.00 $1,188.00 $1,076.00 $1,188.00 $1,076.00 $1,332.00 $1,166.00
LM GENERAL INSURANCE COMPANY* $8,782.00 $7,917.00 $3,735.00 $3,449.00 $1,641.00 $1,484.00 $1,641.00 $1,398.00 $1,923.00 $1,371.00
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 $5,392.00 $4,774.00 $1,645.00 $1,444.00 $897.00 $938.00 $808.00 $810.00 $906.00 $914.00
PROGRESSIVE NORTHERN INSURANCE COMPANY $4,909.00 $4,302.00 $1,491.00 $1,186.00 $813.00 $820.00 $649.00 $642.00 $754.00 $714.00
SAFECO INSURANCE COMPANY OF AMERICA $1,934.00 $1,647.00 $982.00 $640.00 $395.00 $381.00 $352.00 $324.00 $387.00 $334.00
SHELTER MUTUAL INSURANCE COMPANY $2,568.00 $1,987.00 $1,804.00 $1,405.00 $828.00 $828.00 $695.00 $695.00 $612.00 $612.00
STANDARD FIRE INSURANCE COMPANY $3,385.00 $2,634.00 $1,427.00 $1,202.00 $934.00 $885.00 $742.00 $700.00 $840.00 $762.00
STATE FARM FIRE & CASUALTY COMPANY $3,723.00 $2,928.00 $1,889.00 $1,550.00 $959.00 $959.00 $871.00 $871.00 $768.00 $768.00
STATE FARM MUTUAL AUTOMOBILE INS. CO. $2,571.00 $2,022.00 $1,274.00 $1,044.00 $638.00 $638.00 $595.00 $595.00 $525.00 $525.00
TRADERS INSURANCE COMPANY $5,282.00 $4,135.00 $2,737.00 $2,024.00 $895.00 $885.00 $868.00 $817.00 $1,011.00 $995.00
UNITED SERVICES AUTOMOBILE ASSOCIATION(USAA) $1,996.00 $1,798.00 $626.00 $556.00 $354.00 $358.00 $338.00 $340.00 $362.00 $359.00
USAA CASUALTY INSURANCE COMPANY $2,194.00 $1,980.00 $668.00 $594.00 $362.00 $368.00 $335.00 $340.00 $364.00 $362.00
USAA GENERAL INDEMNITY COMPANY $2,591.00 $2,227.00 $981.00 $852.00 $500.00 $498.00 $404.00 $402.00 $430.00 $426.00
LAWTON 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. $2,047.00 $1,807.00 $924.00 $755.00 $491.00 $491.00 $468.00 $468.00 $487.00 $487.00
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. $1,899.00 $1,818.00 $1,141.00 $1,096.00 $712.00 $687.00 $700.00 $675.00 $715.00 $690.00
CSAA GENERAL INSURANCE COMPANY $1,877.00 $1,626.00 $1,145.00 $985.00 $618.00 $513.00 $558.00 $433.00 $640.00 $468.00
EQUITY INSURANCE COMPANY $3,170.00 $2,345.00 $1,683.00 $1,472.00 $946.00 $919.00 $894.00 $956.00 $1,198.00 $1,127.00
FARMERS INSURANCE COMPANY $4,094.00 $3,921.00 $1,763.00 $1,568.00 $1,088.00 $1,089.00 $765.00 $736.00 $755.00 $671.00
GEICO CASUALTY COMPANY $1,324.00 $1,273.00 $339.00 $358.00 $242.00 $242.00 $222.00 $222.00 $282.00 $282.00
HARBOR INSURANCE COMPANY $2,766.00 $2,716.00 $1,698.00 $1,184.00 $996.00 $900.00 $996.00 $900.00 $1,092.00 $994.00
LM GENERAL INSURANCE COMPANY* $9,702.00 $8,805.00 $4,265.00 $3,939.00 $1,880.00 $1,698.00 $1,880.00 $1,598.00 $2,175.00 $1,566.00
OKLAHOMA FARM BUREAU MUTUAL INS. CO. $1,611.00 $1,058.00 $1,246.00 $873.00 $520.00 $520.00 $465.00 $465.00 $406.00 $406.00
PROGRESSIVE DIRECT INSURANCE COMPANY $4,248.00 $3,776.00 $1,336.00 $1,181.00 $769.00 $796.00 $693.00 $689.00 $764.00 $767.00
PROGRESSIVE NORTHERN INSURANCE COMPANY $3,937.00 $3,452.00 $1,209.00 $959.00 $661.00 $663.00 $526.00 $518.00 $607.00 $577.00
SAFECO INSURANCE COMPANY OF AMERICA $1,555.00 $1,349.00 $825.00 $561.00 $365.00 $353.00 $235.00 $302.00 $345.00 $302.00
SHELTER MUTUAL INSURANCE COMPANY $2,234.00 $1,534.00 $1,393.00 $1,085.00 $640.00 $640.00 $537.00 $537.00 $473.00 $473.00
STANDARD FIRE INSURANCE COMPANY $2,395.00 $1,900.00 $1,091.00 $934.00 $737.00 $699.00 $592.00 $562.00 $649.00 $587.00
STATE FARM FIRE & CASUALTY COMPANY $2,890.00 $2,264.00 $1,486.00 $1,222.00 $770.00 $770.00 $692.00 $692.00 $606.00 $606.00
STATE FARM MUTUAL AUTOMOBILE INS. CO. $1,991.00 $1,560.00 $995.00 $816.00 $507.00 $507.00 $471.00 $471.00 $412.00 $412.00
TRADERS INSURANCE COMPANY $4,112.00 $3,185.00 $2,235.00 $1,622.00 $737.00 $724.00 $710.00 $660.00 $803.00 $788.00
UNITED SERVICES AUTOMOBILE ASSOCIATION(USAA) $1,778.00 $1,600.00 $570.00 $504.00 $324.00 $327.00 $309.00 $310.00 $328.00 $324.00
USAA CASUALTY INSURANCE COMPANY $1,918.00 $1,728.00 $601.00 $533.00 $329.00 $332.00 $304.00 $306.00 $325.00 $323.00
USAA GENERAL INDEMNITY COMPANY $2,168.00 $1,854.00 $847.00 $733.00 $436.00 $432.00 $354.00 $349.00 $371.00 $365.00
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 FARMERS & RANCHERS MUTUAL INS. CO. $1,960.00 $1,880.00 $1,212.00 $1,167.00 $789.00 $765.00 $777.00 $753.00 $792.00 $767.00
CSAA GENERAL INSURANCE COMPANY $2,187.00 $1,893.00 $1,380.00 $1,185.00 $755.00 $623.00 $675.00 $521.00 $758.00 $551.00
EQUITY INSURANCE COMPANY $2,372.00 $1,748.00 $1,258.00 $1,095.00 $701.00 $680.00 $663.00 $710.00 $893.00 $838.00
FARMERS INSURANCE COMPANY $4,453.00 $4,260.00 $2,119.00 $1,890.00 $1,414.00 $1,405.00 $983.00 $956.00 $921.00 $817.00
GEICO CASUALTY COMPANY $1,348.00 $1,284.00 $375.00 $395.00 $269.00 $269.00 $243.00 $243.00 $293.00 $293.00
HARBOR INSURANCE COMPANY $2,742.00 $2,662.00 $1,674.00 $1,227.00 $888.00 $806.00 $888.00 $806.00 $1,098.00 $960.00
LM GENERAL INSURANCE COMPANY* $9,507.00 $8,657.00 $4,235.00 $3,914.00 $1,874.00 $1,696.00 $1,874.00 $1,592.00 $2,151.00 $1,559.00
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 $4,027.00 $3,571.00 $1,279.00 $1,130.00 $756.00 $777.00 $679.00 $672.00 $740.00 $743.00
PROGRESSIVE NORTHERN INSURANCE COMPANY $3,674.00 $3,213.00 $1,143.00 $904.00 $640.00 $638.00 $504.00 $498.00 $573.00 $545.00
SAFECO INSURANCE COMPANY OF AMERICA $1,463.00 $1,254.00 $797.00 $546.00 $369.00 $355.00 $330.00 $303.00 $343.00 $297.00
SHELTER MUTUAL INSURANCE COMPANY $2,394.00 $1,644.00 $1,493.00 $1,162.00 $686.00 $686.00 $576.00 $576.00 $507.00 $507.00
STANDARD FIRE INSURANCE COMPANY $2,326.00 $1,844.00 $1,065.00 $907.00 $723.00 $685.00 $580.00 $549.00 $631.00 $568.00
STATE FARM FIRE & CASUALTY COMPANY $2,664.00 $2,052.00 $1,445.00 $1,190.00 $810.00 $810.00 $710.00 $710.00 $604.00 $604.00
STATE FARM MUTUAL AUTOMOBILE INS. CO. $1,796.00 $1,386.00 $945.00 $776.00 $520.00 $520.00 $471.00 $471.00 $401.00 $401.00
TRADERS INSURANCE COMPANY $4,399.00 $3,385.00 $2,465.00 $1,759.00 $805.00 $791.00 $776.00 $716.00 $861.00 $847.00
UNITED SERVICES AUTOMOBILE ASSOCIATION(USAA) $1,655.00 $1,477.00 $568.00 $497.00 $326.00 $324.00 $310.00 $306.00 $315.00 $307.00
USAA CASUALTY INSURANCE COMPANY $1,838.00 $1,646.00 $608.00 $534.00 $335.00 $334.00 $308.00 $306.00 $319.00 $313.00
USAA GENERAL INDEMNITY COMPANY $2,147.00 $1,799.00 $916.00 $780.00 $471.00 $460.00 $383.00 $371.00 $385.00 $369.00
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 FARMERS & RANCHERS MUTUAL INS. CO. $2,236.00 $2,140.00 $1,344.00 $1,291.00 $840.00 $811.00 $826.00 $797.00 $844.00 $814.00
CSAA GENERAL INSURANCE COMPANY $2,013.00 $1,745.00 $1,262.00 $1,083.00 $683.00 $566.00 $615.00 $475.00 $695.00 $506.00
EQUITY INSURANCE COMPANY $2,827.00 $2,102.00 $1,521.00 $1,334.00 $863.00 $838.00 $813.00 $868.00 $1,080.00 $1,018.00
FARMERS INSURANCE COMPANY $4,101.00 $3,932.00 $1,842.00 $1,641.00 $1,157.00 $1,159.00 $809.00 $780.00 $787.00 $702.00
GEICO CASUALTY COMPANY $1,471.00 $1,401.00 $392.00 $413.00 $280.00 $280.00 $254.00 $254.00 $312.00 $312.00
HARBOR INSURANCE COMPANY $2,856.00 $2,811.00 $1,650.00 $1,383.00 $972.00 $882.00 $972.00 $882.00 $1,584.00 $984.00
LM GENERAL INSURANCE COMPANY* $9,779.00 $8,893.00 $4,361.00 $4,026.00 $1,931.00 $1,745.00 $1,931.00 $1,640.00 $2,219.00 $1,603.00
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 $3,978.00 $3,527.00 $1,253.00 $1,105.00 $719.00 $744.00 $649.00 $647.00 $717.00 $723.00
PROGRESSIVE NORTHERN INSURANCE COMPANY $3,501.00 $3,069.00 $1,070.00 $847.00 $583.00 $585.00 $463.00 $458.00 $537.00 $511.00
SAFECO INSURANCE COMPANY OF AMERICA $1,618.00 $1,384.00 $866.00 $585.00 $386.00 $371.00 $343.00 $316.00 $363.00 $313.00
SHELTER MUTUAL INSURANCE COMPANY $2,304.00 $1,583.00 $1,437.00 $1,028.00 $660.00 $660.00 $554.00 $554.00 $488.00 $488.00
STANDARD FIRE INSURANCE COMPANY $2,335.00 $1,848.00 $1,053.00 $899.00 $710.00 $676.00 $572.00 $542.00 $629.00 $571.00
STATE FARM FIRE & CASUALTY COMPANY $2,809.00 $2,173.00 $1,501.00 $1,236.00 $825.00 $825.00 $729.00 $729.00 $624.00 $624.00
STATE FARM MUTUAL AUTOMOBILE INS. CO. $1,906.00 $1,477.00 $989.00 $812.00 $534.00 $534.00 $487.00 $487.00 $418.00 $418.00
TRADERS INSURANCE COMPANY $4,470.00 $3,455.00 $2,467.00 $1,765.00 $797.00 $716.00 $772.00 $716.00 $864.00 $855.00
UNITED SERVICES AUTOMOBILE ASSOCIATION(USAA) $1,838.00 $1,648.00 $606.00 $533.00 $345.00 $345.00 $329.00 $327.00 $341.00 $335.00
USAA CASUALTY INSURANCE COMPANY $1,968.00 $1,769.00 $628.00 $554.00 $344.00 $345.00 $317.00 $317.00 $334.00 $329.00
USAA GENERAL INDEMNITY COMPANY $2,356.00 $1,992.00 $953.00 $818.00 $488.00 $481.00 $396.00 $387.00 $407.00 $396.00