Updated: November 11, 2025
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Progressive offers the cheapest car insurance in Tulsa. American Farmers & Ranchers, State Farm, GEICO and Shelter Insurance also provide coverage in the city.
Car insurance in Tulsa costs an average of $746 per year for minimum coverage and $1,832 per year for full coverage.
Progressive also offers the cheapest car insurance in Oklahoma at $343 per year for minimum coverage and $1,156 per year for full coverage.
Progressive provides rates of $414 per year for minimum coverage and $1,283 per year for full coverage, coming in 45% below the city average. American Farmers & Ranchers and State Farm offer competitive alternatives at $535 and $625 annually for minimum coverage. Â
GEICO also operates in Tulsa with competitive pricing. The wide spread between cheapest and average rates shows value in comparing multiple insurers. Tulsa's competitive market rewards comparison shopping with major savings.
| Progressive | $34 | $107 | -37% |
| American Farmers & Ranchers | $45 | $129 | -23% |
| Mercury | $45 | $130 | -22% |
| GEICO | $51 | $128 | -21% |
| State Farm | $46 | $148 | -14% |
Young drivers pay $826 annually with American Farmers & Ranchers for minimum coverage, the highest rate among age groups. Adult drivers secure the best rates at $414 per year with Progressive, saving 50% compared to young drivers.
Senior drivers from Progressive pay $574 annually, about 39% more than adults. The shift in best carriers across age groups means Tulsa drivers benefit from comparing quotes based on their specific demographic.
Different carriers win for different age groups, making demographic-specific shopping essential.
American Farmers & Ranchers and State Farm offer the best car insurance rates for young drivers in Tulsa with average monthly premiums starting at $69 and $97.
| American Farmers & Ranchers | $69 | $826 | -61% |
| State Farm | $97 | $1,169 | -44% |
| Progressive | $120 | $1,444 | -31% |
| Geico | $130 | $1,560 | -26% |
| Shelter Insurance | $136 | $1,637 | -22% |
In Tulsa, Progressive provides the lowest rates for adult drivers (26 to 64), saving drivers around 48% on average. State Farm and GEICO also rank among the top affordable providers for this age group.
| Progressive | $34 | $414 | -48% |
| Mercury Insurance | $45 | $535 | -32% |
| American Farmers & Ranchers | $45 | $535 | -32% |
| State Farm | $46 | $551 | -30% |
| Geico | $51 | $611 | -22% |
For Tulsa seniors aged 65 and up, Progressive offers the most affordable car insurance options. Minimum coverage costs $48 per month or $574 annually, while full coverage runs $117 monthly or $1,400 per year.
| Progressive | $48 | $574 | -44% |
| American Farmers & Ranchers | $54 | $653 | -36% |
| State Farm | $57 | $683 | -33% |
| Shelter Insurance | $65 | $776 | -24% |
| Mercury Insurance | $66 | $796 | -22% |
These companies offer the lowest rates for high-risk drivers in Tulsa:
American Farmers & Ranchers offers the cheapest car insurance in Tulsa for bad credit drivers at $69 monthly for minimum coverage and $179 for full coverage.
| American Farmers & Ranchers | $69 | $822 | -54% |
| Farm Bureau | $107 | $1,290 | -27% |
| Hallmark Insurance | $109 | $1,307 | -26% |
| Geico | $115 | $1,380 | -22% |
| Shelter Insurance | $115 | $1,381 | -22% |
Progressive offers the cheapest car insurance in Tulsa for drivers with a DUI, saving up to 54% on minimum coverage and 41% on full coverage compared to average city rates.
| Progressive | $43 | $516 | -54% |
| State Farm | $49 | $583 | -48% |
| Mercury Insurance | $63 | $753 | -33% |
| Shelter Insurance | $84 | $1,011 | -10% |
| Geico | $95 | $1,141 | 1% |
American Farmers & Ranchers has the lowest car insurance rates in Tulsa for drivers with accident records at $45 monthly, 51% less than the city's average premium.
| American Farmers & Ranchers | $45 | $535 | -51% |
| State Farm | $52 | $625 | -43% |
| Progressive | $60 | $720 | -34% |
| Farm Bureau | $81 | $970 | -11% |
| Geico | $82 | $986 | -9% |
For Tulsa drivers with speeding tickets, Progressive offers the most affordable insurance options. Their minimum liability coverage costs $48 monthly, while full coverage with higher limits (100/300/100) runs $149 monthly.
| Progressive | $48 | $576 | -39% |
| State Farm | $49 | $583 | -39% |
| American Farmers & Ranchers | $58 | $699 | -26% |
| Mercury Insurance | $65 | $781 | -18% |
| Geico | $69 | $824 | -13% |
Progressive leads Tulsa with a MoneyGeek score of 100 out of 100, the highest possible score. The company provides competitive base premiums and exceptional customer experience scores, offering comprehensive coverage while keeping costs manageable.
Mercury Insurance offers compelling value as a strong second choice with competitive pricing and excellent customer satisfaction ratings. Mercury Insurance particularly appeals to Tulsa drivers who prefer working with a quality regional carrier.
Progressive's perfect MoneyGeek score reflects exceptional performance across all measured categories.
| Progressive | 100 | 1 | 1 | 2 |
| Mercury | 90 | 3 | 4 | 5 |
| State Farm | 88 | 5 | 3 | 6 |
| GEICO | 87 | 4 | 5 | 6 |
| American Farmers & Ranchers | 85 | 2 | 7 | 7 |
Lowest rates overall
Best customer experience
Most extensive coverage selection
Not as affordable for young drivers or those with bad credit
Progressive dominates our Tulsa, OK study with a perfect car insurance score and the strongest reputation among all companies analyzed. Drivers save up to 37% on coverage, which is 14% more than the second-cheapest provider. The company offers the most comprehensive add-on options, with unique offerings like disappearing deductibles and custom parts coverage.
Car insurance in Tulsa costs an average of $746 per year for minimum coverage and $1,832 per year for full coverage. These rates sit slightly below the Oklahoma state average of $749 for minimum coverage.
Progressive offers rates well below the city average at $414 for minimum coverage. Tulsa drivers should expect moderate premiums with solid opportunities to find affordable coverage through major carriers.
| Full Coverage | $153 | $1,832 |
| Minimum Coverage | $62 | $746 |
In Tulsa, car insurance rates by ZIP code range from $58 to $172 monthly. ZIP code 74120 is the most expensive, while 74108 is the cheapest. Check the average rates for your ZIP code:
| 74120 | $80 | $172 |
Finding affordable car insurance in Tulsa can be challenging with the area's high rates and complex coverage options.
Use our car insurance coverage needs calculator to get a personalized recommendation based on your car's value, assets and risk tolerance. This prevents overpaying for unnecessary coverage or being underinsured.
Different types of car insurance save money based on your driving habits. Consider pay-per-mile insurance if you drive infrequently or non-owner coverage if you don't own a vehicle. These specialized policies cost less than traditional insurance.
Research average vehicle insurance costs in Tulsa. Understanding typical rates for your age group and vehicle type helps you recognize good deals and avoid overpaying.
To get car insurance discounts, consider bundling multiple policies or getting multi-car discounts. Many insurers also offer discounts for good driving records, safety features and automatic payments.
Evaluate insurance companies' financial strength and customer service quality. Check customer reviews, complaint records and claims satisfaction ratings. A slightly higher premium from a reliable insurer may save you money long-term.
Contact at least three insurance companies to compare rates. Each company uses different factors to calculate rates, so shopping around reveals price differences for the same coverage.
Review your policy every year. Life changes like improving credit scores, moving or buying a new car affect your rates. Some insurers gradually increase premiums for loyal customers, so shopping around annually helps you maintain the best rates.
Car insurance rates in Tulsa depend on your age, driving record and vehicle type. Progressive and American Farmers & Ranchers offer the lowest average premiums, but compare quotes from multiple providers to find your best rate.
Find clear answers about affordable car insurance in Tulsa. We've researched local coverage options to help you get protection at rates you can afford.
Progressive offers the lowest rates in Tulsa at $414 annually for minimum coverage and $1,283 for full coverage. Personal factors affect rates, so compare quotes.
Progressive offers Tulsa's best car insurance with a MoneyGeek score of 100 out of 100, nine points higher than Mercury. Progressive excels in both affordability and service quality.
In Tulsa, full coverage car insurance costs $1,832 per year, while minimum coverage averages $746. Your actual rates will vary based on individual factors.
Car insurance in Tulsa is more expensive than average, ranking 575th for minimum coverage affordability and 507th for full coverage compared to other Oklahoma cities.
Tulsa drivers face mid-range Oklahoma rates, ranking 575th for minimum coverage and 507th for full coverage among state cities. We analyzed insurers serving Tulsa to find companies that balance competitive pricing with strong customer service and comprehensive coverage.
Our analysis focused on Tulsa-specific factors: We examined how insurers price coverage across all Tulsa ZIP codes, where rates range from $58 to $172 monthly. Tulsa's position as Oklahoma's second-largest city creates distinct risk factors compared to rural areas or Oklahoma City, so we evaluated how companies adjust premiums for local accident rates, theft statistics and weather patterns. We also analyzed rate variations across driver profiles, since Tulsa's diverse population includes young drivers paying $826+ annually with American Farmers & Ranchers, seniors paying $574 with Progressive and high-risk drivers needing specialized coverage.
Base profile details: We used a 40-year-old male driver with good credit insuring a 2012 Toyota Camry LE with a clean driving record, 12,000 annual miles, valid license and no claims history. We adjusted factors like age, driving record, credit score and military affiliation to find the most suitable insurance companies for specific driver profiles.
Coverage levels compared: We analyzed both Oklahoma's minimum requirements (30/60/25 liability) and full coverage (100/300/100 liability with comprehensive and collision at $1,000 deductibles) to show the complete cost picture for Tulsa drivers.
Rating methodology: We scored companies on affordability (60%), customer experience from sources like Google reviews, J.D. Power, AM Best and Reddit (30%), and coverage options including unique offerings and included benefits (10%).
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
