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 Average||United States Average|
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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
|Company||Average Yearly Rate|
|Oklahoma Farm Bureau||$1,962|
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
|Age||Average Yearly Rate|
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/Gender||Average Yearly Rate|
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
|Incident||Average Annual Rate|
|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|
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 Score||Average Rate (annual)|
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.
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
Money Insurance Agency LLC
4904 S Union Ave Ste B, Tulsa, OK 74107
The Holmes Organisation
1350 S Boulder Ave #1000, Tulsa, OK 74119
Charles G Harris Agcy
4724 S Union, Tulsa, OK 74107
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
Bracken Insurance Agency
9717 E 42nd St Suite 105, Tulsa, OK 74146
Tulsa Insurance Guy - Home | Auto | Business | Life
624 S Boston Ave Ste 330, Tulsa, OK 74119
Rich & Cartmill, Inc.
2738 E. 51st Street Suite 400, Tulsa, OK 74105
Legacy Risk Management LLC
1401 S Cheyenne Ave, Tulsa, OK 74119
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