Car Insurance in Tulsa

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.

GEICO also operates in Tulsa with pricing that works well for certain driver profiles. The wide spread between cheapest and average rates demonstrates significant value in comparing multiple insurers.

Tulsa's competitive market rewards comparison shopping with substantial savings opportunities.

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.

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.

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.

These insurance companies offer the lowest rates for high-risk drivers in Tulsa:

• Cheapest for Bad Credit: American Farmers & Ranchers (from $69 per month)
• Cheapest with a DUI: Progressive (from $43 per month)
• Cheapest with an Accident: American Farmers & Ranchers (from $45 per month)
• Cheapest with a Speeding Ticket: Progressive (from $48 per month)

American Farmers & Ranchers offers the cheapest car insurance for bad credit drivers in Tulsa, with monthly rates starting at $69 for minimum coverage and $179 for full coverage.

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.

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.

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 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.

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.

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:

Finding affordable car insurance in Tulsa can be challenging with the area's high rates and complex coverage options. This step-by-step guide shows you how to lower your costs while getting the protection you need.

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.

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%).