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 AverageState AverageNational Average
$1,805$1,532$1,569


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 LevelAverage Rate
Very Poor$3,207
Fair$2,120
Good$1,805
Very Good$1,665
Exceptional$1,568


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/GenderAverage Rate
Female$1,837
Male$1,805
Single$1,805
Married$1,707
Divorced$1,805
Widowed$1,742


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
AgeAverage Rate
Teenagers$7,370
20s$2,458
30s$1,765
40s$1,703
50s$1,572
60s$1,603
70s$1,795


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/IncidentAverage Insurance Rate
DUI$2,491
Reckless Driving$2,659
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.

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

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

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.