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
Bracken Insurance Agency
9717 E 42nd St Suite 105 Tulsa, OK 74146
Arthur J Gallagher Risk Mgmt Svs
1300 S Main St Tulsa, OK 74119
The Holmes Organisation
1350 S Boulder Ave #1000 Tulsa, OK 74119
Tulsa Insurance Guy - Home | Auto | Business | Life
624 S Boston Ave Ste 330 Tulsa, OK 74119
Charles G Harris Agcy
4724 S Union Tulsa, OK 74107
Scoggins Insurance llc
11051 S. Memorial Dr. Tulsa, OK 74133
Money Insurance Agency LLC
4904 S Union Ave Ste B Tulsa, OK 74107
Rich & Cartmill, Inc.
2738 E. 51st Street Tulsa, OK 74105
Legacy Risk Management LLC
1401 S Cheyenne Ave Tulsa, OK 74119
Not sure about Tulsa
Check out these other Oklahoma cities...
The average Tulsan's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Tulsa
Just enter your zip code to get started
Tulsa Car Insurance
Car insurance rate went up after leaving the country
I went out of the country for a few months and stuck my car in storage and canceled coverage. Why ...
Do I have to keep insurance on my truck it is is only driven on the farm?
I have a truck that never leaves my property in Oklahoma. It’s used to haul feed and supplies for ...
Do I have to file a claim if I was not at fault in an accident?
The other driver was at fault and gave me his insurance info. Now I have medical and x-ray bills that ...
Tulsa Car Insurance
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
Digital Insurance Cards: Which States Accept Them?
May 19, 2017
You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017
A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...
Driverless Car Laws by State
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
4 Consequences of Driving without Insurance
Jan 27, 2017
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
The Rundown on “No Refusal” Weekends
Dec 20, 2016
The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
Driver’s License Points: Do They Matter?
Sep 23, 2016
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016
Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...
Which States Have the Cheapest Car Insurance?
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016
Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...