Car Insurance in Tulsa

It is common knowledge that Tulsa has pricey premiums, as its mean premium surpasses the state average by 16%. So it is especially critical to save while insuring a vehicle in Tulsa. Why don't we take a look at how to save on car insurance in Tulsa?

  • City Average: $1,789
  • State Average: $1,542
  • National Average: $1,427

Tulsa Car Insurance by Gender and Marital Status

Car insurance premiums in Tulsa vary based on your gender as well as marital status. Premiums are cheaper for men than for women. Men usually pay 2% less than women each year for insurance. People who are married save close to 6% per year on car insurance compared to those who are single. Rates for those who are widowed are somewhat cheaper than rates for those who are single.

  • Female: $1,818
  • Male: $1,789
  • Single: $1,789
  • Married: $1,675
  • Divorced: $1,789
  • Widowed: $1,747

Tulsa Car Insurance by Age

Drivers in their 50s save money on premiums, as they have the smallest rates among all age groups, paying only $1,560 every year. Those in their 60s ($1,587) aren’t paying significantly more. The largest drop in premiums between any age group is from the teenage age range to the 20s, as drivers in Tulsa start seeing a reduction in premiums of $4,921. The first time drivers can anticipate their age to trigger a rise in rates is when they turn 60. Car insurance premiums are highest for teenage drivers, with payments that average $7,358 per year.

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

Tulsa Car Insurance by Accident or Violation History

Do you know how much an accident or violation on your driving record can cost you in terms of car insurance premiums? An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. In Tulsa, those who are found at-fault in an accident end up spending 49% more per year to insure their vehicle. $825 is the additional cost per year for drivers with a DUI in Tulsa, compared to the city average of $1,789. Reckless driving will also bump your premiums up, with typical rates of $2,427.

  • DUI: $2,614
  • Reckless Driving: $2,427
  • At-fault Accident (damages less than $1000): $2,673
  • At-fault Accident (damages greater than $2000): $2,673
  • Speeding Ticket (16-20 mph over speed limit): $2,162

Tulsa Car Insurance by Credit Rating

Those with Very Poor credit (300-579) generally pay almost 4x as much every year on premiums than those with Exceptional credit (800-850). Drivers will see the biggest percent drop in premiums when they boost their credit from Very Poor (300-579) to Fair (580-669). That change can save them 34% per year.

  • Very Poor: $5,702
  • Fair: $3,750
  • Good: $2,603
  • Very Good: $1,919
  • Exceptional: $1,510

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
Public Transit
Tulsa Transit Bus The Lift
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 Foremost GAINSCO Hallmark Home State Jupiter Auto Liberty Mutual MetLife Oklahoma Farm Bureau Oklahoma Farmers Union SAFECO Safe Auto Shelter The General Traders

Find Local Tulsa Agents

Bracken Insurance Agency

9717 E 42nd St Suite 105 Tulsa, OK 74146

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

Rich & Cartmill, Inc.

2738 E. 51st Street Tulsa, OK 74105

Money Insurance Agency LLC

4904 S Union Ave Ste B Tulsa, OK 74107

Scoggins Insurance llc

11051 S. Memorial Dr. Tulsa, OK 74133

Legacy Risk Management LLC

1401 S Cheyenne Ave Tulsa, OK 74119

Arthur J Gallagher Risk Mgmt Svs

1300 S Main St Tulsa, OK 74119

See All

Not sure about Tulsa

Check out these other Oklahoma cities...

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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