What's the Average Cost of Car Insurance in Tulsa?
With premiums within 2.4% of the national average, Oklahoma has rates that are relatively similar to the nation. Keep some cash in your pocket by following our tips and saving on auto insurance in Tulsa.
INSURANCE PRICES: TULSA VS. STATE/US AVERAGES
|City Average||State Average||National Average|
Tulsa Car Insurance by Credit Level
Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you an average of $1,639 each year on car insurance. In terms of percent change, the largest benefit of better credit comes from improving from Very Poor (300-579) to Fair (580-669), by which drivers can save around 34% per year.
TULSA AUTO INSURANCE RATES BY CREDIT TIER
|Credit Level||Average Rate|
Tulsa Car Insurance by Marital Status and Gender
Pricing for car insurance premiums in Tulsa is dictated by many factors, including gender and marital status. You can save close to $100 per year if you're married as opposed to single. Rates for those who are widowed are moderately cheaper than rates for those who are single. Males have premiums that are nearly 2% cheaper than those for females.
TULSA CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Tulsa Car Insurance Rates by Age
Teenage drivers have the biggest premiums of any age group, with car insurance payments of $7,370 on average. The most significant decrease in premiums between any age group is from the teenage age range to the 20s, as drivers in Tulsa start paying $5,799 less in premiums. Insurance rates continue to trend downward up until drivers hit 60. Drivers in their 50s save money on premiums, as they have the lowest rates among all age groups, paying only $1,572 every year. Those in their 60s ($1,603) also have relatively low premiums.
TULSA CAR INSURANCE PREMIUMS BY AGE
Tulsa Car Insurance With Accidents or Violations
By avoiding driving mishaps that can make the price of rates spike, you can not only save yourself money, but become a safer driver. In Tulsa, drivers with a DUI need to spend 38% more than the city average to insure their vehicle. Reckless driving will also bump your rates up, with typical rates of $2,659. Do you want to increase your rates by a whopping $395? If not, keep an eye on your speed because getting pulled over for driving 16-20mph above the speed limit in Tulsa will trigger that uplift.
AVERAGE TULSA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation/Incident||Average Insurance Rate|
|At-fault Accident (damages less than $1,000)||$2,501|
|At-fault Accident (damages greater than $2,000)||$2,888|
|Speeding Ticket (16-20 mph over speed limit)||$2,199|
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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Tulsa, you can expect 90 rainy days with an annual rainfall of 39 inches. Tulsa is also known to experience thunderstorms and tornadoes. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Be Prepared For
Driving in Tulsa
Major HighwaysI-44 I-244 U.S 169
Toll RoadsTurner Turnpike Will Rogers Turnpike Cherokee Turnpike
Find Local Tulsa Agents
Arthur J Gallagher Risk Mgmt Svs
1300 S Main St Tulsa, OK 74119
Tulsa Insurance Guy - Home | Auto | Business | Life
624 S Boston Ave Ste 330 Tulsa, OK 74119
Scoggins Insurance llc
11051 S. Memorial Dr. Tulsa, OK 74133
Bracken Insurance Agency
9717 E 42nd St Suite 105 Tulsa, OK 74146
Charles G Harris Agcy
4724 S Union Tulsa, OK 74107
Legacy Risk Management LLC
1401 S Cheyenne Ave Tulsa, OK 74119
The Holmes Organisation
1350 S Boulder Ave #1000 Tulsa, OK 74119
Rich & Cartmill, Inc.
2738 E. 51st Street Tulsa, OK 74105
Money Insurance Agency LLC
4904 S Union Ave Ste B Tulsa, OK 74107
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