How Much Does Car Insurance Cost in Tulsa?
Premiums in Tulsa, which surpass the state average by 16%, are known for being costly. Therefore in Tulsa, it is critical to cut costs while insuring a vehicle. Let's take a look at how auto insurance costs in Tulsa contrast with rates nationwide.
AUTO INSURANCE PRICES: TULSA VS. STATE/US MEAN
|City Average||State Average||National Average|
Tulsa Car Insurance by Marital Status and Gender
Both marital status and gender are among the numerous driver traits that play a role in car insurance premiums in Tulsa. Generally, females have premiums that are 2% more pricey than those for males. Those who are single spend roughly $110 more per year compared to those who are married. Rates for those who are widowed are moderately cheaper than rates for those who are single.
TULSA CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Tulsa Auto Insurance Rates by Driver Age
In Tulsa, when drivers hit their 20s, therefore moving out of the teenage age bracket, they pay 67% less in premiums. You won't see a more significant change between any other age group. Car insurance premiums in Tulsa continue to trend downward up until drivers turn 60. Among all age groups, drivers in their 50s have the lowest car insurance premiums, with rates of $1,560 per year. People in their 60s ($1,587) aren’t paying much more. Teenage drivers have the highest rates of any age group. They have typical car insurance payments of $7,358 per year.
TULSA CAR INSURANCE COSTS BY AGE
Tulsa Auto Insurance by Credit Level
Drivers with Very Poor credit (300-579) pay an average of almost 4x as much every year for car insurance than those with Exceptional credit (800-850). Shifting from Very Poor (300-579) to Fair (580-669) results in the largest decrease in premiums, as drivers save nearly $1,952 per year.
TULSA AUTO INSURANCE RATES BY CREDIT TIER
|Credit Level||Average Car Insurance Rate|
Tulsa Car Insurance by Violation or Accident History
A history of accidents and violations can cost you in terms of prices on car insurance. Many people treat speed limits with leniency, but did you know that a ticket for speeding (16-20mph over the limit) can cost you a whopping 21% more per year in insurance premiums? In Tulsa, those who are found at-fault in an accident pay $884 more than the city average on car insurance each year.
AVERAGE TULSA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Rate|
|At-fault Accident (damages less than $1,000)||$2,673|
|At-fault Accident (damages greater than $2,000)||$2,673|
|Speeding Ticket (16-20 mph over speed limit)||$2,162|
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
Legacy Risk Management LLC
1401 S Cheyenne Ave Tulsa, OK 74119
Scoggins Insurance llc
11051 S. Memorial Dr. Tulsa, OK 74133
The Holmes Organisation
1350 S Boulder Ave #1000 Tulsa, OK 74119
Bracken Insurance Agency
9717 E 42nd St Suite 105 Tulsa, OK 74146
Rich & Cartmill, Inc.
2738 E. 51st Street Tulsa, OK 74105
Tulsa Insurance Guy - Home | Auto | Business | Life
624 S Boston Ave Ste 330 Tulsa, OK 74119
Arthur J Gallagher Risk Mgmt Svs
1300 S Main St Tulsa, OK 74119
Charles G Harris Agcy
4724 S Union Tulsa, OK 74107
Money Insurance Agency LLC
4904 S Union Ave Ste B Tulsa, OK 74107
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Tulsa Car Insurance
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