A recent study found that the state of Oklahoma is the third most expensive when it comes to auto insurance. The same report discovered that Tulsa’s rates—in particular—were erratic, experiencing significant jumps and dips over time.The study, conducted by quote comparison website The Zebra, used pricing data from the past five years using common variables such as state, age, gender, financial behaviors, and so on.Oklahoma, the study found, pays on average annual car insurance premiums of $1,989. The study also confirmed that Tulsa pays some of the highest average annual premiums among cities in the state, at $2,126. In comparison, Oklahoma City car owners pay on average $2,099.Although factors such as speeding, at-fault accidents and DUIs cause rate hikes, the study suggests that weather is the primary reason for Oklahoma’s surging premiums.Oklahoma had consistently ranked high among the other states for the most hail damage sustained over the past five years, expert Neil Richardson explained. He also pointed at the devastating Moore tornadoes from 2013, which caused an estimated $2 billion in damages.“Although other factors such as collisions and vehicle theft also impact rates, it seems weather has taken the greatest toll and caused the greatest fluctuation in auto insurance rates for folks in the Sooner State over the past five years,” he told News On 6.