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 AverageState AverageNational Average
$1,789$1,542$1,427


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/GenderAverage Rate
Female$1,818
Male$1,789
Single$1,789
Married$1,675
Divorced$1,789
Widowed$1,747


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
AgeAverage Rate
Teenagers$7,358
20s$2,436
30s$1,751
40s$1,686
50s$1,560
60s$1,587
70s$1,888


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 LevelAverage Car Insurance Rate
Very Poor$5,702
Fair$3,750
Good$2,603
Very Good$1,919
Exceptional$1,510


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 ViolationAverage Rate
DUI$2,614
Reckless Driving$2,427
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.

90

Rainy Days a Year

39"

Avg. Annual Rainfall

9"

Avg. Annual Snowfall

Be Prepared For

Driving in Tulsa

Major Highways
I-44 I-244 U.S 169
Toll Roads
Turner Turnpike Will Rogers Turnpike Cherokee Turnpike
Popular Day Trips
Ouachita Mountains Keystone State Park Heyburn Lake

Car Insurance Companies in Tulsa

Allstate Bristol West Falcon GAINSCO Hallmark Home State Jupiter Auto Liberty Mutual MetLife Oklahoma Farm Bureau Oklahoma Farmers Union Safe Auto Shelter The General Traders

Find Local Tulsa Agents

Money Insurance Agency LLC

4904 S Union Ave Ste B Tulsa, OK 74107

Scoggins Insurance llc

11051 S. Memorial Dr. Tulsa, OK 74133

Rich & Cartmill, Inc.

2738 E. 51st Street Tulsa, OK 74105

Legacy Risk Management LLC

1401 S Cheyenne Ave Tulsa, OK 74119

The Holmes Organisation

1350 S Boulder Ave #1000 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

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

See All

Not sure about Tulsa

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Oklahoma City

$2,102

The average Tulsan's annual cost of coverage

40%

Our customer's average savings after comparing insurance

336

That's equal to 336 cups of coffee or $841 in savings

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Tulsa Car Insurance

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