Tulsa, OK Car Insurance
How much does car insurance cost in Tulsa?
Car insurance in Tulsa costs an average of $1,047 for a six-month policy or $175 per month on average. In 2022, our data shows USAA is the cheapest car insurance company in Tulsa with rates at $680 for a six-month policy.
Tulsa drivers pay more than the average for car insurance in Oklahoma ($946 every six months) and more than the national average of $742. In fact, 33% of our customers in Tulsa admit they're paying too much for their car insurance. If you agree or just need help with your car insurance, read on to learn more about what a fair rate looks like in Tulsa based on common factors like credit score, coverage level and more.
|Car Insurance in Tulsa vs. Oklahoma||Avg. 6 Mo. Premium|
The cheapest car insurance companies in Tulsa
USAA is the cheapest at $113 per month or $680 for a six-month policy.
Oklahoma Farmers Union and State Farm are tied for second place, costing $818 for a six-month policy.
The third cheapest company in Tulsa is GEICO, with average rates at $875 for six months or $146 per month.
Are you paying too much for auto insurance?
Tulsa car insurance rates by company
Our 2022 data states that the cheapest car insurance company for full coverage in Tulsa is USAA at $113 per month or $680 per six-month policy. The second cheapest are State Farm and Oklahoma Farmers Union, both with average rates at $818.
Learn more about top-rated car insurance companies based on The Zebra's Customer Satisfaction Survey.
Cheapest car insurance companies in Tulsa, OK
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, Allstate, State Farm and Farmers (+ other top companies) to find the best and cheapest car insurance in Tulsa.
Average car insurance in Tulsa by rating factor
Car insurance rates are based on a series of rating factors , or details about you that tell the insurance company the level of risk you pose. These may include credit score, location, age, driving history, and others. The importance of each rating factor differs with each insurance company, though most take the same suite of information into account when assigning premiums.
We recommend getting a quote from time to time to guarantee you are always getting the best rates. After all, as your personal profile changes with time, so can the best insurance company for you.
Q: I didn't have an accident — Why is my insurance going up?
A: End-of-year earnings (revenue of premiums versus the cost of paying insureds’ claims) is also a major rating factor for how much you will pay for car insurance in Tulsa. Even if you’ve had no claims with your insurance company, you could still be paying more with a particular insurance company because the price of doing business has increased in Tulsa.
Auto insurance premiums by age in Tulsa
While there are many possible factors insurance companies will examine, age tends to be one of the most prominent for premium rating. This is because age is typically associated with driving experience, and less experienced drivers have a higher chance of getting into accidents. In fact, teen drivers have a higher accident rate than any other age group and as a result incur the highest premiums. In Tulsa, teen drivers pay 151% in premiums than drivers in their 20s; this the largest such difference between any two age groups.
While this sounds excessive, it's important to realize that insurance companies are risk management businesses. By charging higher rates for teen drivers, they are able to offset the increased cost of paying claims.
Cheapest car insurance companies for teen drivers in Tulsa, Oklahoma
Auto insurance premiums for minimum coverage in Tulsa
The level of coverage you select for your vehicle will have a big impact on your insurance rates. Minimum coverage is the least expensive option, but could leave you with gaps in coverage. According to our data, 35% of Tulsa drivers only carry minimum coverage on their cars. While this is all that is legally required, you may be at risk of being underinsured.
Full coverage, the broader policy package, includes collision and comprehensive coverage. These coverages offer protection for a wide range of perils, but will add significantly to your premiums. These also require a deductible, which you may set yourself— the higher the deductible, the lower your premium will be. Leased and financed vehicles offer require that the driver carries full coverage insurance.
Optional add-ons like roadside assistance and uninsured motorist coverage can offer even more protection for your vehicle, assisting in case of emergency and if you are hit by an uninsured driver. The Zebra experts recommend carrying such coverages to further protect yourself, though they too will add to your rates.
Q: Can I lower my car insurance coverage?
A: Possibly — if your vehicle is paid off.
In an analysis of our data, 51% of drivers in Tulsa have owned vehicles. If you are not leasing or financing your vehicle, you should consider if dropping comprehensive or collision coverage is right for you. We recommend getting the actual cash value of your vehicle via Kelley Blue Book or another reputable source. The general rule of thumb is if your vehicle is worth less than $4,000, you probably don't need collision coverage. Bear in mind, however, that dropping these coverages means that you will have to pay for any repairs out of your own pocket.
Cheapest car insurance companies for minimum coverage in Tulsa, Oklahoma
- Minimum: State liability coverage only
- Basic: State liability + collision and comprehensive (full) coverage
- Better: Better liability limits at 50/100/50. Full coverage included with towing and rental car benefits. May include additional personal medical benefits and uninsured/underinsured motorist coverage.
- Best: Best liability limits at 100/300/50. Full coverage included with better towing and rental car benefits and better personal medical benefits and increased uninsured/underinsured coverage.
Most of our customers in Tulsa opt for the basic level of coverage, but this may not be the best option for everyone. While we understand state minimum coverage is a budget-friendly solution, it does leave you at risk for damages that exceed your liability limits. Oklahoma's 25/50/25 liability limits provide coverage for damage you cause up to $25,000 per person in bodily injury, $50,000 per accident in bodily injury and $25,000 for property damage. While this may be sufficient for most standard car accidents, it might not be for bodily injury claims or multi-vehicle accidents.
Learn more about insurance laws in Oklahoma.
Tulsa car insurance rates by credit score
Across the U.S., car insurance companies use credit score as a rating factor. While some states are banning this practice, Oklahoma still takes credit into account. A poor credit score has long been associated with frequency in claim filing, coverage lapses, and risky driving behavior. Data suggests that drivers with lower credit scores are more likely to engage in these activities and cost companies more to insure.
In fact, Tulsa drivers with poor credit (300-579) pay 92% more than drivers with excellent credit (800-850). Our data tells us most drivers in Tulsa have an "average (580-679)" credit score. In 2022, USAA is the cheapest option for Tulsa drivers for this credit range.
Cheapest car insurance companies for bad credit in Tulsa, OK
Auto insurance rates with an at-fault accident
One of the easiest ways to drive up insurance rates is by being the driver at fault in an accident. Unfortunately, collision-type accidents are the most common type of insurance claims. In 2022, an at-fault accident raised average Tulsa car insurance rates from $175 to $242 per month. Oklahoma Farmers Union is the most forgiving company to have with an at-fault accident as it offers the cheapest rates in this case in Tulsa.
Regardless of where you live, the best way to keep rates low is by avoiding accidents as best as you can. Citations, tickets, and collisions all result in rate increases, while keeping a clean driving record ensures that rates stay affordable. Speeding tickets, DUIs and reckless driving charges can stay on your record (and impact premiums) for three to five years, depending on the severity.
Cheapest car insurance companies after an at-fault accident in Tulsa, OK
Tulsa car insurance rates by violation
Below you can see how much different violations and claims will increase your rate in Tulsa.
Car insurance rate increases after violations and citations in Tulsa, OK
|Accident/Violation||Avg. 6 Mo. Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$1,065||2%||$17|
|One comp claim||$1,069||2%||$22|
|Two Med/PIP claims||$1,074||3%||$27|
|Two comp claims||$1,105||5%||$57|
|Failure to show documents||$1,158||11%||$111|
|Driving without lights||$1,184||13%||$136|
|Failure to wear a seat belt||$1,194||14%||$147|
|Child safety restraint||$1,196||14%||$149|
|Driving with expired registration||$1,198||14%||$151|
|Cell phone violation||$1,227||17%||$180|
|Texting while driving||$1,227||17%||$180|
|Driving too slowly||$1,238||18%||$191|
|Speeding in school zone||$1,239||18%||$191|
|Failure to yield||$1,249||19%||$202|
|Failure to stop at a red light||$1,255||20%||$207|
|Following too closely||$1,267||21%||$220|
|Wrong way/wrong lane||$1,277||22%||$229|
|In 65 MPH zone||$1,307||25%||$259|
|Passing school bus||$1,308||25%||$261|
|Speeding 6 - 10 MPH over limit||$1,312||25%||$264|
|Speeding 11 - 15 MPH over limit||$1,313||25%||$265|
|Speeding 16 - 20 MPH over limit||$1,316||26%||$268|
|Speeding 21 - 25 MPH over limit||$1,344||28%||$297|
|At-fault accident - less than $1000||$1,364||30%||$316|
|Operating a vehicle without permission||$1,428||36%||$380|
|At-fault accident - $1000-$2000||$1,450||38%||$402|
|At-fault accident - greater than $2000||$1,450||38%||$402|
|Refusal to submit to a chemical test||$1,691||61%||$643|
|Driving with a suspended license||$1,703||63%||$656|
|Leaving scene of an accident/hit and run||$1,776||70%||$728|
Why is car insurance in Tulsa so expensive?
There are a few reasons why car insurance is so expensive in Tulsa. After all, the average insurance rate is $100 more expensive than the average for Oklahoma as a whole. Tulsa is one of the major cities in Oklahoma, and metropolitan areas tend to have higher insurance rates than more rural locations. Even premiums in certain ZIP codes within Tulsa will vary: 74110, 74106, and 74115 have the highest premiums, while 74014, 74108 and 74131 enjoy more affordable rates.
Factors outside of your control— like location-specific characteristics— have an impact on car insurance on top of your driving history, credit score and age. Below you'll find a rundown of why car insurance is so expensive in Tulsa — regardless of your driving profile.
With Tulsa being one of the major cities in Oklahoma, population density is much higher here than more rural areas. More people concentrated in one area often means more drivers and a higher likelihood of accidents. Insurance companies must account for this, so Tulsa drivers spend more on their car insurance policies.
In Oklahoma, the state minimum liability limits are 25/50/25. This means $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability per accident. These limits are some of the highest in the country, accounting for increased car insurance rates in Oklahoma.
Oklahoma lies somewhere in the middle of the pack in the nation when it comes to uninsured drivers. The Insurance Research Council reports that 13.4% of drivers in Oklahoma are uninsured, making it the 17th highest rate in the country.
According to our data, about 36% of drivers in Tulsa are not currently insured. If you’re hit by an uninsured driver in Tulsa, you could be left paying for the damage yourself.
Bundling insurance policies in Tulsa
Car insurance seems to be ever-increasing, but there are still ways to save on your premiums. One of the most popular insurance discounts available is the bundling discount, so when shopping for a new auto policy, consider grouping in home or renters insurance to qualify for the multi-policy discount. Policyholders can save up to 10% on combined premiums by bundling more than one policy with the same provider. Learn more about bundling home and car insurance.
Cheapest car insurance companies for bundling home and auto insurance in Tulsa, OK
While some things may be out of your control, drivers can work to make their profiles more appealing to insurers. The best advice we offer is to shop around and compare auto insurance quotes with as many companies as possible to ensure you're getting the most affordable rate that doesn't compromise coverage and service — especially if any personal factors have changed (like moving, celebrating a birthday and improving your credit). Try as you might, some companies are just more expensive than others; don't be afraid to switch.
Find the best rates for both auto and home insurance in minutes!
Frequently asked questions
How much is car insurance in Tulsa, Oklahoma per month?
The average cost of car insurance in Tulsa is $175 per month.
What is the Oklahoma state minimum car insurance?
The state minimum liability limits in the state of Oklahoma are 25/50/25, or $25,000 per person in bodily injury, $50,000 per accident in bodily injury and $25,000 for property damage per accident.
Is car insurance in Tulsa, Oklahoma expensive?
Auto insurance in Tulsa is more expensive than the state average. The average rate for Tulsa car insurance is $1,047 for a six-month policy, while Oklahoma's average rate is $946.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.