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UPDATED: Jun 18, 2017
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By law, Tulsa drivers have to have auto insurance.
Tulsa is a city that doesn’t follow trends. When most people are finding that their auto insurance rates will begin to decrease, this is exactly the time when it begins to increase for some Tulsa residents.
Regulations for Tulsa Car Insurance
Tulsa drivers who are high risk-takers may choose not to purchase an auto insurance policy, and run the risk of being stopped for a moving violation or for being part of a car crash.
After either of these two things happen, they have to present their auto insurance certificates. Because they can’t, they will face some of the toughest penalties for driving without auto insurance in the country.
- The fine given to people who choose to drive without auto insurance can amount to $250.
- They can also have their licenses suspended
- Their vehicle’s registration may be suspended.
These are common penalties that people in every state face when they have been discovered to not have purchased liability coverage.
Tulsa has been set apart from the other states because of the one harsh penalty that most states haven’t considered: jail time. For driving without auto insurance, Tulsa residents may be sentenced to jail for as much as 30 days!
Tulsa Rates for Auto Insurance
A jail sentence for driving without auto insurance isn’t going to be worth the trouble, but the reason that people might consider it just might be the average cost of city car insurance in Tulsa.
The average rate in the United States for car insurance can be found between $1,400 and $1,500. The Tulsa average rate is far above that at $1,932 per year.
The high price of Oklahoma auto insurance doesn’t give people an excuse to drive without it. A comparison website will help them find the liability coverage they need for the price that they can afford.
In Tulsa, each driver needs to have a minimum of $25,000 to be able to pay one person’s medical expenses. If this person expires during the accident, the money can be used to pay burial costs.
At least $50,000 is required of each driver to pay medical or burial expenses for everyone who files a claim for bodily injuries.
Tulsa drivers also need to have money to repair any property that has been damaged in an auto accident that they negligently caused.
The minimum amount of property damage liability coverage in Tulsa is $25,000. If these minimum amounts are all Tulsa drivers can afford at this time, they may seek quotes just for these amounts.
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Comparing Car Insurance in Tulsa
When people compare auto insurance, they receive the best rates. The insurance companies know that they have a lot of competition out there, and they are eager to attract more and more clients.
As time goes by and auto insurance companies get to know their clients better, they discover that they have reasons to be disillusioned.
Also as time goes by, people’s needs expand and they need to purchase different types of insurance. For example, when people have an old car, they are discouraged from purchasing collision and comprehensive coverage.
Suppose this client leases a vehicle. The leasing company requires that their clients have collision as well as comprehensive coverage. They also will need GAP insurance.
If the client’s current insurance company does not have a GAP insurance policy for them, these people will have to search elsewhere for this coverage.
It’s coverage that they are required to have in order to qualify for the lease, so they must have it.
Problems to Consider
After people have purchased their car insurance from an agency in Tulsa, they may have thought that they were making a good choice. After they filed a claim following a car crash, they now know differently.
Some car insurance companies have proven to be inadequate by not paying their clients the money they deserve. It’s at this time that these clients have a right to search for a better company by soliciting auto insurance quotes.
The most common reason that people seek to switch car insurance companies in Tulsa is when they have negative customer service experiences.
They may have difficulties contacting someone at their insurance companies, even though they have several options including the following:
- snail mail
When they do reach someone, they may not like how they are treated.
Poor customer service is more than enough reason for people to think about going to another car insurance agency. They will receive a list of car insurance companies that will offer them auto insurance quotes when they take advantage of our free quote comparison tool.
From this list, they can check out the customer service complaints of each company before deciding which one would be the best choice.
Tulsa drivers who wish to switch auto insurance companies can do so whenever they feel like it, but they must be aware that their insurance companies may not want to make it painless for them.
Some insurance companies will charge a fee for canceling a policy before the renewal period. They may also give these clients a hard time when they ask for a refund for the time that won’t be used.
It’s possible that even if people lose a little money from not receiving a refund or they are charged a fee, it might still be beneficial to them to switch companies right away.
Car Insurance Statistics in Tulsa
Oklahoma’s state auto insurance companies know that males are the cause of most of the accidents in the country, and they pay for this fact by having to pay the highest premiums.
Each given man doesn’t necessarily have to be a reckless driver but because he belongs to the biggest risk-taking demographic, he will have to pay like all the rest.
In Tulsa, it appears that the gap between the numbers of accidents that males and females cause is even larger.
Males make up 48.30 percent of the population and they are the cause of 90 percent of the accidents! This is one of the highest percentages for males in the United States.
Three age groups are the most responsible for all of these crashes that happen in Tulsa:
- The 25-34 age group – 19 percent
- The 35-44 age group – 19 percent
- The 45-54 age group – 17 percent
Tulsa is defying the rest of the country with the above statistics as well; in the rest of the United States, most of the car accidents are caused by males under the age of 25.
Ordinarily, it’s by the time men reach this magical age that they can begin to breathe a sigh of relief because their auto insurance rates are finally decreasing.
How often a demographic is known to cause auto accidents is a big reason that auto insurance companies will charge high or low rates. Based on this formula, males between the ages of 25 and 54 will be quoted the highest rates.
If they are willing to consult our ZIP code search, they can find their liability coverage without having to put themselves in debt to follow Tulsa’s laws. Compare FREE car insurance quotes now with our tool below.