What is the average cost of car insurance in Tulsa?


The typical Tulsa driver pays $2,006 per year for auto insurance. That's pricier than the average in Oklahoma ($1,787) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Tulsa.


AUTO INSURANCE: TULSA RATES VS. STATE + NATIONAL AVERAGES
Tulsa Average (annual)Oklahoma AverageUnited States Average
$2,006$1,787$1,548

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Tulsa auto insurance rates by insurer


The difference in auto insurance rates from company to company can be substantial. In Tulsa, State Farm provides the most affordable rates for the typical insurance customer. See below the best options for affordable auto insurance in Tulsa. Don't forget to get car insurance quotes based on your driving profile.


TULSA CAR INSURANCE RATES BY COMPANY
CompanyAverage Yearly Rate
State Farm$1,406
GEICO$1,651
Progressive$1,903
Oklahoma Farm Bureau$1,962
Farmers$1,984

Consult our expert guide to finding the best cheap car insurance.



Car insurance rates by age bracket in Tulsa

The age bracket that pays the least for auto insurance in Tulsa consists of drivers in their 50s, who pay an average of $1,739. Rates for Tulsa drivers in their 60s are also relatively affordable, at just $1,741 per year.

Young drivers aged 16 to 19 pay the most for car insurance in Tulsa. One of the easiest ways to lower your car insurance rates as a driver in Tulsa is to age out of your teenage years. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Tulsa is $4,663, the largest such difference between any two age groups.


TULSA CAR INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Yearly Rate
Teenagers$7,325
20s$2,662
30s$1,961
40s$1,873
50s$1,739
60s$1,741
70s$2,075

Learn more about how age influences auto insurance rates.



Tulsa car insurance rates by marital status and gender


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Tulsa pay $166 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Tulsa, widowed drivers pay less than those who are single.

Gender is yet another factor that can affect auto insurance premiums. In Tulsa, female drivers pay $20 per year more than do male drivers for car insurance.


TULSA AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$2,026
Male$2,006
Single$1,840
Married$1,840
Divorced$1,959
Widowed$1,890

Learn more about how gender and marital status have on auto insurance rates.



Tulsa auto insurance costs by violation history


Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Tulsa drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $1,132 per year versus the city average. A ticket for speeding results in a $476 rate hike, on average, while a DUI violation costs $909per year in insurance premiums.


TULSA CAR INSURANCE RATES AFTER A COLLISION OR CITATION
IncidentAverage Annual Rate
DWI/DUI$2,915
Reckless Driving$3,137
At-fault Accident (damages < $1,000)$2,830
At-fault Accident (damages greater than $2,000)$3,111
Speeding Ticket (16-20 mph over speed limit)$2,482

Learn more about how citations can raise your auto insurance rates.



Tulsa car insurance rates by credit level


A driver's credit level can be closely correlated with their auto insurance rates. Tulsa drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 53% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Tulsa, improving your credit to "Fair" could help you earn a $1,241 decrease in yearly insurance premiums.


TULSA CAR INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Rate (annual)
Very Poor$3,647
Fair$2,407
Good$2,006
Very Good$1,851
Exceptional$1,716

Get additional information on how credit impacts car insurance costs.



What drives up car insurance rates in Tulsa?

Where you live in Tulsa affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Tulsa is no exception to the rule. From ZIP code 74017 to 74110, premiums rise by 17 percent—that’s $328.

Expensive Tulsa ZIP codes: 74115, 74120, 74103, 74106, 74110

Cheap Tulsa ZIP codes: 74017, 74055, 74063, 74021, 74070

Tulsa Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Tulsa, you can expect 90 rainy days with an annual rainfall of 39 inches. Tulsa is also known to experience thunderstorms and tornadoes.

90

Rainy Days a Year

39"

Avg. Annual Rainfall

9"

Avg. Annual Snowfall

Be Prepared For

Driving in Tulsa

2
Major Highways
I-44 I-244 U.S 169
2
2
Toll Roads
Turner Turnpike Will Rogers Turnpike Cherokee Turnpike
2
Popular Day Trips
Ouachita Mountains Keystone State Park Heyburn Lake

Car Insurance Companies in Tulsa

Find Local Tulsa Agents

Legacy Risk Management LLC

1401 S Cheyenne Ave, Tulsa, OK 74119

Arthur J Gallagher Risk Mgmt Svs

1300 S Main St, Tulsa, OK 74119

Scoggins Insurance llc

11051 S. Memorial Dr. Ste. 200, Tulsa, OK 74133

Charles G Harris Agcy

4724 S Union, Tulsa, OK 74107

Money Insurance Agency LLC

4904 S Union Ave Ste B, Tulsa, OK 74107

Tulsa Insurance Guy - Home | Auto | Business | Life

624 S Boston Ave Ste 330, Tulsa, OK 74119

The Holmes Organisation

1350 S Boulder Ave #1000, Tulsa, OK 74119

Rich & Cartmill, Inc.

2738 E. 51st Street Suite 400, Tulsa, OK 74105

Bracken Insurance Agency

9717 E 42nd St Suite 105, Tulsa, OK 74146

Not sure about Tulsa

Check out these other Oklahoma cities:

Oklahoma City

2

$2,102

The average Tulsan's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

336

That's equal to 336 cups of coffee or $841 in savings

See How Much You Can Save in Tulsa

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Recent Questions:

Tulsa Car Insurance

Car insurance rate went up after leaving the country

One of the big rating factors companies look at is whether or not you are currently insured and have been for the past six months. When you canceled your policy to go out of the country, this caused a lapse in coverage.

Do I have to keep insurance on my truck it is is only driven on the farm?

If the truck is paid off and is only driven on your personal property, you are not required to insure it. The state will require that you register and insure it if you plan to put it on the road, but you won't need to until that point.

Do I have to file a claim if I was not at fault in an accident?

You still will have to file a claim; it doesn't automatically happen. If the other driver is accepting fault then you can contact their insurance provider to begin the claims process.