Sapulpa, OK Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Sapulpa, OK, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Find Best Car Insurance in Sapulpa, OK

Car insurance is an important part of owning a car. It helps to protect you and your car from damages caused by accidents, theft, and other events. There are many different types of car insurance, and it can be confusing to know which one you need. Here is a brief guide to car insurance in Sapulpa, Oklahoma.

The average cost of car insurance in Sapulpa, OK, is $1,565. When you are shopping for car insurance, be sure to compare rates from multiple companies. Rates can vary significantly from one insurer to the next. In addition to rates, you should also consider the types of coverage each company offers and their reputation for customer service. Once you have found an insurer that you are comfortable with, read the policy carefully before purchasing it to ensure that it meets your needs.

Credit History

In Sapulpa, OK and many other states, insurers can use your credit information when calculating your auto insurance rates. And, unfortunately, if you have a poor credit history, you could end up paying a lot more for your car insurance than someone with a good credit history. So, how exactly does your credit history affect your car insurance rates? Well, insurers generally view people with poor credit as being higher-risk customers. This means they're more likely to file a claim, and when they do, the claims will likely be for more money. As a result, insurers charge higher rates to cover the increased risk. For instance, in Sapulpa, OK, car owners with excellent credit scores must pay $1,554, while those with poor credit must pay $2,589.

Age of the Driver

Car insurance rates in Sapulpa, OK, are determined by many factors, including a driver's clean driving record. A clean driving record means a driver has no accidents, no traffic violations, and no DUIs. The better a driver's record, the lower their car insurance rates will be. Drivers with a clean driving record are considered to be a lower risk to insurers, and thus, they are rewarded with lower rates. In Sapulpa, Oklahoma, teenage drivers pay $5,150 for auto insurance, while older drivers (over 40) pay $1,511

Driving Habits

Car insurance rates in Sapulpa, OK, are determined by many factors, including a driver's clean driving record. A clean driving record means a driver has no accidents, no traffic violations, and no DUIs. The better a driver's record, the lower their car insurance rates will be. Drivers with a clean driving record are considered to be a lower risk to insurers, and thus, they are rewarded with lower rates. For instance, in Sapulpa, Oklahoma, drivers who run red lights or have expired licenses will pay an additional +$370 and +$1070 for auto insurance.

Factors that can influence the cost of car insurance in Sapulpa, OK are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

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Sapulpa, OK Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Sapulpa, OK with that of other cities in and around Sapulpa.

	Sapulpa	Kellyville	Glenpool	Kiefer	Oakhurst	Jenks
Average Insurance Rates	$1,587	$1,531	$1,600	$1,611	$1,539	$1,680

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Sapulpa, OK Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Sapulpa, OK based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location	Low Deductible ($500)	High Deductible ($1000)
Sapulpa	$1,965	$1,660
Kiefer	$1,717	$1,450
Glenpool	$2,176	$1,838
Kellyville	$1,577	$1,332
Mounds	$2,037	$1,721
Jenks	$1,266	$1,069
Oakhurst	$1,478	$1,248
South Tulsa	$1,469	$1,241

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Sapulpa, OK Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Sapulpa, OK usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver	Insurance Cost
Teens	$5,150
20 Years	$2,039
30 Years	$1,571
40 Years	$1,511
50 Years	$1,399
60 Years	$1,419
70 Years	$1,652

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Sapulpa, OK Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Sapulpa, OK can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars	Auto Insurance Cost	Total Savings
2 Vehicles	$2,730	$444
3 Vehicles	$4,094	$667
4 Vehicles	$5,459	$889

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Sapulpa, OK Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Sapulpa, OK.

Location	Average Insurance Cost	Post DUI Insurance Rate
Sapulpa	$1,587	$2,479
Kiefer	$1,611	$2,516
Glenpool	$1,600	$2,499
Kellyville	$1,531	$2,391
Mounds	$1,539	$2,404
Jenks	$1,680	$2,624
Oakhurst	$1,539	$2,404
South Tulsa	$1,624	$2,536

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Sapulpa, OK Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score	Insurance Cost
Exceptional (800-850)	$1,362
Excellent (740-799)	$1,554
Good (670-739)	$1,654
Average (580-669)	$2,157
Poor (300-579)	$2,589

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Sapulpa, OK Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation	Cost Increase	Total Insurance Cost
Driving Without Headlights	+$70	$1,657
Driver's Failure In Showing Documents	+$154	$1,741
Driving With An Expired Registration	+$163	$1,750
Driving At A Considerably Slow Pace	+$344	$1,931
Using A Cellphone While Driving	+$363	$1,950
Running A Red Light	+$370	$1,957
Speeding	+$389	$1,976
Driving A Vehicle Without The Required Permission	+$494	$2,081
Driving With An Expired/Suspended License	+$1,070	$2,657

Sapulpa, OK Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature	Insurance Cost
Audible Alarm	$1,524
Active Disabling Device	$1,524
Tracking Device	$1,492
Passive Disabling Device	$1,476

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Latest Auto Insurance Reviews in Sapulpa, OK | Back to Top