How much is car insurance in Oklahoma?

Car insurance companies in Oklahoma use myriad factors to calculate car insurance rates—such as your location, demographics, driving record, and more. For this reason, it’s a good idea to shop around for car insurance quotes to get a sense of what you should be paying for your coverage needs.

Can you get car insurance without a license in Oklahoma?

Technically, you can buy insurance without a license in Oklahoma, but it’s not easy. Most auto insurance companies require a driver’s license number to sell a policy, but some, especially smaller companies, have workarounds they can use for drivers with a suspended license or who don’t plan to drive.

Is car insurance mandatory in Oklahoma?

Yes. All drivers are required to carry specified minimum levels of car insurance to drive legally in Oklahoma.

How does credit score affect car insurance premiums in Oklahoma?

Insurance providers have seen a correlation between low credit score and high accident rates. This makes rates for those with a low credit score higher than premiums for those with a better credit score.

What is the penalty for not having car insurance in Oklahoma?

Penalties for driving without insurance in Oklahoma can include:

How long can you drive without insurance after buying a car in Oklahoma?

Oklahoma insurance providers allow 2 to 30 days for buyers to add a new car to their existing policy. Keep in mind, you do need to have an active policy that’s in accordance with Oklahoma’s minimum insurance requirements to drive legally at any time. This grace period simply allows you time to get the information about your new vehicle your insurer will need to add it to your policy.

What is the cheapest car insurance in Oklahoma?

The results from Jerry’s survey of 15,000+ car insurance policyholders show that there’s no single car insurance company that offers the cheapest rates for everyone. That’s why shoppers should compare multiple quotes from multiple providers to find the best rates available to them.

What is the lowest liability coverage in Oklahoma?

At minimum, Oklahoma drivers must carry at least $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability.

What are the car insurance requirements in Oklahoma?

Oklahoma law requires drivers to have at least $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability.

Do you need insurance to register a car in Oklahoma?

In Oklahoma, you’ll need to provide proof of insurance at the time of vehicle registration.

Do you have to carry proof of insurance in Oklahoma?

You’ll need to carry proof of insurance whenever you’re driving in Oklahoma. You’ll need to provide it if you’re in an accident or get pulled over by law enforcement. If you’re caught driving without insurance, you could face costly fines, a driver’s license suspension, and other costly penalties.

Does insurance follow the car or the driver in Oklahoma?

Collision and comprehensive coverage follow the vehicle on the car insurance policy. In Oklahoma, the vehicle owner’s liability coverage will also follow the car, as long as the person driving it has permission to do so.

Does Oklahoma require uninsured motorist coverage?

Oklahoma doesn’t require uninsured motorist coverage. However, adding it to your car insurance policy can provide you with extra financial protection if you’re involved in a collision and the at-fault driver is uninsured.

Cheapest Car Insurance in Oklahoma (Nov 2024)

Written by R.E. Fulton and 2 others

Nov 22, 2024

Cheapest Car Insurance in Oklahoma (Nov 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Oklahoma.

Find insurance savings

No long forms No spam or unwanted phone calls Quotes from top insurance companies

Written by R.E. Fulton and 2 others

Nov 22, 2024

Cheapest car insurance quotes in Oklahoma

Convenient as it would be, there’s no car insurance provider that offers the cheapest rates for everyone in Oklahoma. While many will evaluate common factors—like your driving history, location, and demographics—each provider uses its own methodology to determine the cost of your premium.

What this means: Your best bet at finding cheap car insurance in Oklahoma is to compare multiple quotes from multiple providers. Jerry Insurance Agency allows you to do this quickly and easily—all in one place.

Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage

Travelers	$141	Timothy, 33, Tulsa, OK	Ram 1500 St	100/300	Yes
Clearcover	$319	Gordon, 45, Spiro, OK	Dodge Challenger R/T	50/100	Yes
The General	$124	Louisa, 41, Ada, OK	Lexus Rx 350	State Minimum	Yes
Nationwide	$152	Violet, 51, Falls Valley, OK	Nissan Titan S	50/100	Yes
Progressive	$143	Cameron, 50, Oklahoma City, OK	Kia Rio Lx	50/100	Yes

Last Updated Nov 26, 2024

Cheapest car insurance companies in Oklahoma

To find out what car insurance companies offer the lowest rates in Oklahoma, Jerry conducted the nation’s largest insurance shopping survey.

Insurance Company	Date	Cost rating (out of 5)	What our customer said:
Farmers	October 26, 2024	5	“Great quick service I had insurance for 8 years at my previous company and check rates every year no one could beat m…(read more)” -Isaac
The General	October 26, 2024	4	“I have had this insurance and it’s been pretty simple steps to get the insurance. I received my insurance in a couple…(read more)” -Nicholas
Allstate	October 25, 2024	5	“Allstate is a great company and I love the different discounts they give you to help you keep rates low..” -Tom
Bristol West	October 22, 2024	3	“First time client insured by this company a few days ago. Agreed to insure me when nobody else would. Thank you” -Hester
AAA	October 22, 2024	3	“I haven’t had a problem after I made my first payment but before hand their “final” price changed a day before my fir…(read more)” -Eula

How’d we get these scores?

Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

The results: There’s no singular car insurance provider that offers the cheapest rates for every driver.

Progressive, Nationwide, and Travelers are all popular options among Oklahoma drivers, but the best car insurance company for you will depend on your budget as well as what you’re looking for in a policy and provider.

Using a car insurance comparison app or website makes finding cheap auto insurance a quick and easy process. As a licensed insurance agency, Jerry allows you to gather and compare car insurance quotes—and if you find the right policy at the right price, they’ll even help you make the transition to your new provider.

Minimum car insurance requirements for liability and full coverage in Oklahoma

Like most states, Oklahoma law requires drivers to have a minimum amount of car insurance in place before they can legally drive. Depending on your coverage needs, it’s possible you could also benefit from full coverage or additional coverage types.

Cheapest minimum liability coverage in Oklahoma

In Oklahoma, drivers must carry liability insurance that consists of at least:

Bodily injury liability coverage: $25,000 per person, $50,000 per accident
Property damage liability coverage: $25,000 per accident1

This minimum required coverage is often referred to as 25/50/25.

Do you need more than the minimum liability insurance coverage in Oklahoma?

Most drivers will benefit from having higher coverage limits than Oklahoma’s 25/50/25 required minimum.

The reason why: Moderate to severe accidents can come with costs that easily exceed these minimum liability limits. In an at-fault accident, you’d be responsible for covering those costs yourself.

The Oklahoma Insurance Department notes that for better financial protection, it’s generally recommended that drivers carry 100/300/100. That would equate to:

Bodily injury liability: $100,000 per person, $300,000 per accident

Cheapest full coverage Oklahoma auto insurance quotes

If you want your car insurance policy to cover damages to your own vehicle, you’ll want to have full coverage.

Full coverage includes comprehensive and collision coverage. Collision coverage will pay for repairs or replacements after an accident, while comprehensive coverage covers a range of other types of events, such as theft, fire, vandalism, or severe weather.

If your car is financed: Your lender will likely require you to have full coverage until your loan is paid off. In fact, many lenders and dealers will need proof of coverage before completing a vehicle sale.

Here’s what Oklahoma drivers have found for full coverage insurance rates with Jerry.

Insurance Coverage	Has Full Coverage	Insurance Company	Premium (monthly)	Customer	Car

100/300	Yes	Travelers	$141	Timothy, 33, Tulsa, OK	Ram 1500 St
50/100	Yes	Clearcover	$319	Gordon, 45, Spiro, OK	Dodge Challenger R/T
State Minimum	Yes	The General	$124	Louisa, 41, Ada, OK	Lexus Rx 350
50/100	Yes	Nationwide	$152	Violet, 51, Falls Valley, OK	Nissan Titan S
50/100	Yes	Progressive	$143	Cameron, 50, Oklahoma City, OK	Kia Rio Lx

Last Updated Nov 26, 2024

Average rates for minimum liability coverage and full coverage car insurance in Oklahoma

The numbers from Jerry’s study show that the average cost for minimum liability coverage in Oklahoma is about $1,324 per year or $110 per month. The average cost for full coverage car insurance is about $2,304 per year or $194 per month.

Keep in mind: Average insurance costs can serve as a helpful starting point for estimating your own insurance costs, but your premium could look different from the ones shown here.

This is due to the myriad factors that insurers use to determine your rates, like:

The type of car you drive
Where your vehicle is kept
Your driving record
Your demographics

Oklahoma car insurance: Additional Coverages

In addition to liability, collision, and comprehensive insurance, there are plenty of additional car insurance coverage types you can consider adding to your policy in Oklahoma:

Medical payments (MedPay)
Uninsured motorist / underinsured motorist
Towing and labor
Rental reimbursement coverage

If you’re currently paying off a car loan: Consider gap insurance if you don’t already have it. If your vehicle ends up totaled and your loan balance is greater than your car’s value, gap insurance can help you cover the difference.

If you don’t own a car but routinely borrow someone else’s: Consider a non-owner car insurance policy. This will set you up with liability coverage, but it won’t protect the vehicle you’re driving—the owner’s car insurance policy would need to cover it.

Learn more: Types of insurance

Car insurance premium by rating factors

Oklahoma auto insurance companies evaluate various factors to determine your premium cost, including:

The vehicle you drive: Collision and comprehensive coverage will usually cost more for newer and high-value vehicles.
How you use your car: Car insurance will typically cost more for a daily commuter vehicle than one that’s only used occasionally.
Your driving record and claims history: Expect to pay more for insurance if you’ve had accidents or violations.
Where you keep your car: Insurers will consider your area’s population density, accident and crime rates, and severe weather trends when weighing risks.

How to find cheap Oklahoma car insurance if you’re a high-risk driver

Your driving history will play a significant role in determining what you pay for your auto insurance policy. Numerous or severe violations can often leave you with a more expensive auto insurance premium.

Cheapest car insurance for Oklahoma drivers with a speeding ticket

Speeding tickets will almost always impact your insurance rates—but the severity of the violation will determine by how much. For example, a speeding ticket for 3 mph over the speed limit likely wouldn’t have the same effect as one for 25 mph over the speed limit.

Here’s a look at what Jerry users have paid for insurance with varying speeding tickets on their records.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage

Speeding Violation-Minor	Progressive	$84	Bill, 24, Cushing, OK	State Minimum	No
Speeding Violation-Minor	Progressive	$92	Lettie, 57, Haworth, OK	State Minimum	No
Speeding Violation-Minor	Progressive	$144	Sylvia, 26, Okeene, OK	State Minimum	Yes
Speeding Violation-Minor	Progressive	$226	Addie, 23, Yukon, OK	State Minimum	No
Speeding Violation-Minor	Mercury	$112	Martin, 24, Oklahoma City, OK	State Minimum	No

Last Updated Nov 26, 2024

How to find cheap Oklahoma auto insurance after a DUI

A DUI conviction in Oklahoma comes with some of the steepest car insurance rate increases.

To compensate, you can gather quotes and compare rates to find the most affordable car insurance option after a DUI violation.

Oklahoma SR-22 insurance

If you’ve had a serious violation on your driving record, like reckless driving or a DUI, you might be subject to an SR-22 filing requirement.

An SR-22 certificate, which your car insurance files on your behalf, shows that you have the necessary amount of coverage required in Oklahoma.

Cheapest Oklahoma auto Insurance after an at-fault accident

Accidents—and especially at-fault accidents—can greatly affect your car insurance rate.

Insurers will look at your accident and claims history to determine your level of risk for the future.

Accident Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage

At Fault With No Injury	Clearcover	$319	Gordon, 45, Spiro, OK	50/100	Yes
At Fault With Injury	The General	$124	Louisa, 41, Ada, OK	State Minimum	Yes
Not At Fault	AAA	$409	Ina, 51, Oklahoma City, OK	50/100	Yes
At Fault With No Injury	Travelers	$229	Gerald, 40, Oklahoma City, OK	50/100	Yes
At Fault With No Injury	Travelers	$219	Betty, 50, Durant, OK	State Minimum	Yes

Last Updated Nov 26, 2024

Cheapest auto insurance after other violations in Oklahoma

From careless driving to failure to yield, there are all sorts of driving violations that will affect your car insurance rates in Oklahoma, with different offenses carrying different weights.

But with or without violations on your driving record, shopping around for quotes still increases the odds of finding the cheapest option for you.

Violation	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage

DUI	Travelers	$141	Timothy, 33, Tulsa, OK	100/300	Yes
Failure to Obey Signal	Travelers	$219	Betty, 50, Durant, OK	State Minimum	Yes
Driving on Sus. License	Progressive	$134	Josephine, 40, Oklahoma City, OK	State Minimum	Yes
Failure to Obey Signal	Progressive	$78	Andre, 44, Oklahoma City, OK	State Minimum	No
Failure to Obey Signal	Kemper	$204	Jeffery, 29, Lexington, OK	State Minimum	No

Last Updated Nov 26, 2024

Is Oklahoma an at-fault state?

Oklahoma is an at-fault state: This means that the party determined to be at fault in a collision will be financially responsible for any resulting injuries or property damage.

Cheapest Oklahoma auto insurance based on insurance history

Yet another factor that affects your car insurance premium is your insurance history.

Insurers ideally want to see policyholders that have held continuous coverage. Having a past lapse in your car insurance coverage could deem you a higher risk and leave you with a more expensive premium.

Once you have a policy in place, this means making on-time payments is of utmost importance. Luckily, Jerry can send you payment reminders to help you keep your coverage in good standing.

Lapse or no lapse in your insurance history, Jerry can still help you search for savings on your next car insurance policy.

Cheapest car insurance for drivers with poor credit

In the state of Oklahoma, drivers who have poor credit will often have higher auto insurance costs than those with good credit.

This is because drivers with poor credit are considered more likely to file claims.

Taking steps to improve your credit history can help you save on car insurance in the long run.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Liability Limits	Has Full Coverage

750+	The General	$124	Louisa, 41, Ada, OK	Lexus Rx 350	State Minimum	Yes
750+	Progressive	$93	Frank, 42, Tulsa, OK	Toyota Prius	100/300	Yes
550-659	The General	$49	Beulah, 54, Lawton, OK	Chevrolet Malibu Ls	State Minimum	No
550-659	National General	$159	Jeff, 26, Tulsa, OK	Nissan Altima S	State Minimum	No
550-659	The General	$59	Annie, 36, Elk City, OK	Infiniti G37 Base	State Minimum	No

Last Updated Nov 26, 2024

Cheapest Oklahoma car insurance by age

In Oklahoma, young drivers and those who have yet to earn a full license can expect to pay the highest car insurance rates since they’re still gaining experience behind the wheel.

Cheapest Oklahoma car insurance for young drivers

On average, teen drivers pay more for car insurance than any other age group.

Because they are statistically at a high risk of experiencing car accidents, which makes a full coverage policy worth considering for teen drivers—especially those driving newer or more valuable vehicles.

To save even more: Be sure to look into good student, safe driver, and safety course discounts offered by providers when shopping around.

Learn more: The best cheap car insurance for teens

Cheapest Oklahoma car insurance for senior drivers

Due to an increased accident risk, and the risk for more severe injuries if a collision occurs, drivers tend to see their car insurance rates rise by their mid-seventies.

How to find car insurance discounts in Oklahoma for your motor vehicle

The type of vehicle you drive will have a notable impact on your premium. Insurers will consider your vehicle’s value, risk for theft or damage, safety, and potential repair and replacement costs to determine your rate.

Popular vehicle models in Oklahoma include:

Ford F-150
Honda Accord
Honda Civic
Chevrolet Silverado 1500
Ram 1500
GMC Sierra
Jeep Cherokee

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage

Ram 1500 St	Travelers	$141	Timothy, 33, Tulsa, OK	100/300	Yes
Ram 1500 St	Travelers	$178	John, 44, Sand Springs, OK	State Minimum	Yes
Honda Accord Lx	Progressive	$49	Philip, 35, Bartlesville, OK	State Minimum	No
Jeep Cherokee Latitude	Kemper	$186	Lina, 49, Antlers, OK	State Minimum	Yes
Honda Civic Lx	Progressive	$107	Corey, 32, Broken Arrow, OK	50/100	Yes

Last Updated Nov 26, 2024

Learn more: How to get car insurance before buying a car

Is it cheaper to insure a new car or a used car?

While it depends on the models in question, new cars are often more expensive to insure than older ones.

In Oklahoma, the average cost for full coverage on a car older than 10 years old is $1,406, while insuring a car less than four years old costs an average of $1,932.

How to find cheap car insurance in Oklahoma in your city

Your vehicle’s primary location determines what sorts of risks it will be exposed to, and as a result, what you’ll pay for car insurance.

Insurance providers will consider your city’s population density, crime rates, accident rates, and local weather trends when calculating your premium.

Oklahoma City residents might see different rates than Tulsa residents. Even within the same city, you might see premiums vary from zip code to zip code.

Take a look at what Oklahoma drivers pay for car insurance across the state.

City	Customer	Insurance Company	Premium (monthly)	Car	Insurance Coverage	Has Full Coverage

Tulsa, OK	Timothy	Travelers	$141	Ram 1500 St	100/300	Yes
Spiro, OK	Gordon	Clearcover	$319	Dodge Challenger R/T	50/100	Yes
Ada, OK	Louisa	The General	$124	Lexus Rx 350	State Minimum	Yes
Falls Valley, OK	Violet	Nationwide	$152	Nissan Titan S	50/100	Yes

Last Updated Nov 26, 2024

How to lower the cost of car insurance in Oklahoma

Car insurance may not be cheap, but there are plenty of ways to find savings.

Here are some recommendations from Jerry’s team of licensed insurance agents to reduce your Oklahoma car insurance costs:

Shop around and seek out multiple quotes.

Bundle your car insurance with another policy, like your home or renters insurance, to qualify for a discount.
Find out what other insurance discounts your car insurance provider offers. Good student discounts, safe driver discounts, responsible payer discounts, and low mileage discounts are all common ways to save.
Raise the deductible on your comprehensive and collision coverage (if you can afford the out-of-pocket cost).
Build your credit score.
Consider dropping collision and comprehensive coverage on older or low-value cars.
Take an approved defensive driving course.

Why is car insurance so expensive in Oklahoma?

Some factors that determine your car insurance costs aren’t in your control. Your Oklahoma car insurance may be more expensive due to:

High population density cities
Uninsured drivers
Rising healthcare costs
Rising repair costs
Severe weather risks

FAQ

How much is car insurance in Oklahoma?

Car insurance companies in Oklahoma use myriad factors to calculate car insurance rates—such as your location, demographics, driving record, and more. For this reason, it’s a good idea to shop around for car insurance quotes to get a sense of what you should be paying for your coverage needs.
Can you get car insurance without a license in Oklahoma?

Technically, you can buy insurance without a license in Oklahoma, but it’s not easy. Most auto insurance companies require a driver’s license number to sell a policy, but some, especially smaller companies, have workarounds they can use for drivers with a suspended license or who don’t plan to drive.
Is car insurance mandatory in Oklahoma?

Yes. All drivers are required to carry specified minimum levels of car insurance to drive legally in Oklahoma.
How does credit score affect car insurance premiums in Oklahoma?

Insurance providers have seen a correlation between low credit score and high accident rates. This makes rates for those with a low credit score higher than premiums for those with a better credit score.
What is the penalty for not having car insurance in Oklahoma?
Penalties for driving without insurance in Oklahoma can include:
- $250+ in fines
- Up to 30 days in jail
- License plate seizure
How long can you drive without insurance after buying a car in Oklahoma?

Oklahoma insurance providers allow 2 to 30 days for buyers to add a new car to their existing policy. Keep in mind, you do need to have an active policy that’s in accordance with Oklahoma’s minimum insurance requirements to drive legally at any time. This grace period simply allows you time to get the information about your new vehicle your insurer will need to add it to your policy.
How much is car insurance per month in Oklahoma?

the average cost for minimum liability coverage in Oklahoma is about $1,324 per year or $110 per month. The average cost for full coverage car insurance is about $2,304 per year or $194 per month.
What is the cheapest car insurance in Oklahoma?

The results from Jerry’s survey of 15,000+ car insurance policyholders show that there’s no single car insurance company that offers the cheapest rates for everyone. That’s why shoppers should compare multiple quotes from multiple providers to find the best rates available to them.
What is the lowest liability coverage in Oklahoma?

At minimum, Oklahoma drivers must carry at least $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability.
What are the car insurance requirements in Oklahoma?

Oklahoma law requires drivers to have at least $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability.

While not required by law, if you take out a car loan, your lender will likely require you to carry full coverage for the life of the loan.
Do you need insurance to register a car in Oklahoma?

In Oklahoma, you’ll need to provide proof of insurance at the time of vehicle registration.
Do you have to carry proof of insurance in Oklahoma?

You’ll need to carry proof of insurance whenever you’re driving in Oklahoma. You’ll need to provide it if you’re in an accident or get pulled over by law enforcement. If you’re caught driving without insurance, you could face costly fines, a driver’s license suspension, and other costly penalties.
Does insurance follow the car or the driver in Oklahoma?

Collision and comprehensive coverage follow the vehicle on the car insurance policy. In Oklahoma, the vehicle owner’s liability coverage will also follow the car, as long as the person driving it has permission to do so.
Does Oklahoma require uninsured motorist coverage?

Oklahoma doesn’t require uninsured motorist coverage. However, adding it to your car insurance policy can provide you with extra financial protection if you’re involved in a collision and the at-fault driver is uninsured.

MEET OUR EXPERTS

R.E. Fulton

Licensed Insurance Agent

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.

Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.

Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research

We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team

The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

^†For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.