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.
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
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
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Tulsa Car Insurance
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