Best Car Insurance Companies in Tulsa, OK

Finding the right auto insurance provider for you requires considering your unique driver profile and needs. However, MoneyGeek found that State Farm is the best overall car insurance provider in Tulsa, Oklahoma. It’s also the most affordable insurer and the best insurer for young adults, teens, seniors and drivers with offenses. Shelter is the best choice for drivers looking for top-notch customer service, while Allstate is the best provider for those with new cars.

Our analysis found that Tulsa's best auto insurance companies are:

• State Farm: MoneyGeek score 76 out of 100 ($776 per year)
• Mercury: MoneyGeek score 67 out of 100 ($888 per year)

In addition to being the best provider in Tulsa, State Farm is also the best car insurance provider in Oklahoma, scoring high in affordability and above average in customer satisfaction. As a result, it is the best provider for drivers looking for a balance between quality and price.

Veterans looking for the best car insurance policy in Tulsa may want to consider USAA, which received a MoneyGeek score of 85 and charges just $630 for a full coverage policy.

Among the seven car insurance providers MoneyGeek analyzed in Tulsa, State Farm was ranked the best. While this provider earns the highest score in affordability and has an above average score in customer satisfaction, it is not the best in all categories.

For instance, Shelter has the highest claims score and customer satisfaction scores and ties for the highest coverage score, but it’s low affordability score significantly brings down its overall ranking.

Keep in mind that all our rates are for full coverage policies, and that MoneyGeek scores are only given for insurers who have enough data for each of our individual scoring components.

For those who value customer service above affordability, the best car insurance providers in Tulsa are:

• Shelter: MoneyGeek score 68 out of 100 ($1,378 per year)
• State Farm: MoneyGeek score 58 out of 100 ($776 per year)

Among the seven companies evaluated in MoneyGeek’s analysis, Shelter earns the highest score in customer satisfaction, coverage and claims. However, it’s far from the most affordable provider in the city, which means you may have to pay a high price for great customer service. Shelter’s average rates are $602 more per year than State Farm, the cheapest provider in Tulsa.

Good customer service often means little-to-no customer complaints and great after-sales support. Shelter offers the best customer service in Tulsa based on industry-leading J.D. Power studies and the National Association of Insurance Commissioner’s (NAIC) customer complaint index. It ranks better than companies like Farmers or Allstate, who rank the same in coverage but have much lower customer satisfaction scores.

Based on our analysis of affordability and service quality, we've determined that the best insurance companies in Tulsa for policies that meet only Oklahoma's minimum coverage requirements are:

• State Farm: MoneyGeek score 78 out of 100 ($320 per year)
• Progressive: MoneyGeek score 77 out of 100 ($329 per year)

The cheapest minimum coverage policies in Tulsa may come with the lowest rates, but they also provide the least amount of liability coverage and offer no protection for damage to your own vehicle if you're involved in an accident. It's important to note that the minimum car insurance requirements in Oklahoma are uniform across all cities in the state.

The best cheapest insurer for a minimum-coverage policy is one that offers affordable premiums and good customer service. While there may be a trade-off between price and quality service, it’s possible to find an insurer who can give you a solid balance of both. State Farm is an excellent example of this — it has an above-average rating for customer satisfaction of 3.93 out of 5 and the highest affordability score (5 out of 5) in Tulsa.

The best car insurance companies for young adult drivers in Tulsa are:

• State Farm: MoneyGeek score 76 out of 100 ($981 per year)
• Allstate: MoneyGeek score 71 out of 100 ($998 per year)

If you're a young adult driver in Tulsa looking for auto insurance, State Farm is the best option due to its balance of affordability and customer service. Opting for good service and affordable coverage is essential for young adults, as drivers in this age group often face more expensive premiums than their older counterparts.

Selecting the right car insurance provider can provide a sense of safety and security for young adults on the road. State Farm strikes a balance between cost and quality by offering reasonable premiums, discounts for young drivers and above-average ratings for customer satisfaction.

If you’re looking for the best providers for young adults, look for affordable rates, coverages and discounts tailored to your age group and great customer satisfaction ratings.

The best car insurance companies in Tulsa for teen drivers on a family policy are:

• State Farm: MoneyGeek score 76 out of 100 ($2,782 per year)
• Allstate: MoneyGeek score 64 out of 100 ($2,214 per year)

In our analysis, State Farm had the highest customer satisfaction and affordability scores of any provider we evaluated in Tulsa, delivering low-cost and high-quality policies.

Opting for a family plan is a smart financial move when it comes to car insurance. Teens in Tulsa on individual policies pay an average of $3,953 more per year than those on family plans.

Having good policies for teens means an insurance company offers affordable rates, discounts for teens and students, good service and coverages that helps new drivers and their families feel safe, such as roadside assistance or accident forgiveness.

State Farm is the best insurance provider for teens in Tulsa thanks to it ranking first in affordability and customer service. However, the company does lack a few optional coverages that could benefit teens, such as accident forgiveness coverage.

MoneyGeek’s top picks for the best auto insurance providers for seniors in Tulsa are:

• State Farm: MoneyGeek score 76 out of 100 ($701 per year)
• Shelter: MoneyGeek score 72 out of 100 ($1,080 per year)

State Farm is MoneyGeek’s top choice because it balances high-quality service with low rates, receiving high scores in affordability and customer satisfaction.

As a senior driver, keep in mind that, at 60, you’ll pay similar rates as those aged 30–50, but your rates will likely increase from age 70. Shopping around for cheap quotes on Tulsa car insurance can help seniors save money on coverage.

Car insurance companies with good policies for seniors offer them relatively low rates and key coverages, like personal injury protection and medical payments coverage. Providers that provide discounts for defensive driving are also recommended. Case in point: State Farm ranks first in Tulsa for senior drivers due to its balance of affordability, customer satisfaction and coverages beneficial to seniors.

In Tulsa, the best car insurance companies for drivers with offenses are:

• State Farm: MoneyGeek score 76 out of 100 ($865 per year)
• Progressive: MoneyGeek score 68 out of 100 ($1,141 per year)

State Farm provides an excellent balance of affordability and great service, allowing you to get the coverage you need while keeping the costs under control and still getting the service you deserve. It’s also the most affordable company for Tulsa residents with driving offenses on their records.

It's worth noting that car insurance rates in Tulsa can vary significantly based on the specific violations on a driver's record and any past traffic violations. For instance, if you have a DUI on your record, you’d pay an average of $493 more than a driver with a clean record in Tulsa.

The best insurance policies for drivers with offenses are from companies offering reasonable rates, plenty of discounts and coverages that can help in case of an accident. Affordability is crucial, as drivers with offenses tend to be charged higher car insurance premiums because providers view them as risky to insure. State Farm is the best option for drivers with offenses in Tulsa because it offers reasonable rates after an accident.

MoneyGeek found that the best auto insurance companies in Tulsa for new car owners are:

• Allstate: MoneyGeek score 73 out of 100 ($1,334 per year)
• Farmers: MoneyGeek score 41 out of 100 ($1,481 per year)

For this category, MoneyGeek only considered providers that offer new car replacement or better car replacement coverage. New car replacement ensures that if your car was bought within the last two years and got into an accident, your car will be replaced completely with a new model. We also only included providers with high customer service scores and affordable rates for drivers with 2022 model cars.

Among all insurance companies, we ranked Allstate as the best in Tulsa for drivers with new vehicles due to its high affordability score and new car replacement coverage.

The best auto insurance company for drivers with new cars is one that offers new car or better car replacement coverage. If your new vehicle is totaled in an accident, this coverage means your insurer will replace it entirely.

Allstate ranks first in Tulsa because of its affordable premiums for drivers with new vehicles. It also offers new car replacement coverage — one of the few providers in the state to do so.

When it comes to finding the best car insurance in Tulsa, what works for one person may not work for another. Consider some of the frequently asked questions below when choosing car insurance that fits your needs.