Progressive offers the cheapest car insurance in Tulsa with annual rates of $414 for minimum coverage and $1,283 for full coverage. Other affordable insurers in the city include American Farmers & Ranchers, Mercury and State Farm.
Car Insurance in Tulsa
Updated: August 14, 2025
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Key Takeaways
Tulsa's cheapest car insurance companies are Progressive, American Farmers & Ranchers and Mercury, with rates up to 37% lower than the city average.
Monthly car insurance costs in Tulsa average $153 for full coverage and $62 for minimum coverage.
To find the best cheap auto insurance in Tulsa, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Tulsa?
| Progressive | $34 | $107 | -37% |
| American Farmers & Ranchers | $45 | $129 | -23% |
| Mercury | $45 | $130 | -22% |
| GEICO | $51 | $128 | -21% |
| State Farm | $46 | $148 | -14% |
Compare the Cheapest Tulsa Car Insurance for You
Car insurance rates can vary by hundreds or even thousands of dollars based on your driving history and personal details. Check the table below to find the cheapest insurance company for your specific driver profile.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| American Farmers & Ranchers | $108 | $1,293 | -51% |
| State Farm | $162 | $1,938 | -27% |
| Progressive | $165 | $1,977 | -25% |
| Farm Bureau | $184 | $2,207 | -16% |
| Shelter Insurance | $195 | $2,336 | -11% |
Cheapest Car Insurance by Age Group in Tulsa
Car insurance prices in Tulsa vary significantly based on age. Here's who offers the lowest rates for each age group:
- Cheapest Car Insurance for Young Drivers (16 to 25): American Farmers & Ranchers at $69 per month
- Cheapest Car Insurance for Adults (26 to 64): Progressive at $34 per month
- Cheapest Car Insurance for Seniors (65+): Progressive at $48 per month
Cheapest Car Insurance for Young Drivers in Tulsa
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, respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| 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% |
Cheapest Car Insurance for Adult Drivers in Tulsa
In Tulsa, Progressive provides the lowest rates for adult drivers (26 to 64), saving drivers around 48% on average. State Farm and GEICO are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Progressive | $34 | $414 | -48% |
| Mercury | $45 | $535 | -32% |
| American Farmers & Ranchers | $45 | $535 | -32% |
| State Farm | $46 | $551 | -30% |
| GEICO | $51 | $611 | -22% |
Cheapest Car Insurance for Senior Drivers in Tulsa
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.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Progressive | $48 | $574 | -44% |
| American Farmers & Ranchers | $54 | $653 | -36% |
| State Farm | $57 | $683 | -33% |
| Shelter Insurance | $65 | $776 | -24% |
| Mercury | $66 | $796 | -22% |
Cheapest Car Insurance for High-Risk Drivers in Tulsa
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)
Cheapest Car Insurance for Bad Credit in Tulsa
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.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| 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% |
Cheapest Car Insurance With a DUI in Tulsa
Progressive offers the cheapest car insurance in Tulsa for drivers with a DUI. You'll save up to 54% on minimum coverage and 41% on full coverage compared to average city rates.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Progressive | $43 | $516 | -54% |
| State Farm | $49 | $583 | -48% |
| Mercury | $63 | $753 | -33% |
| Shelter Insurance | $84 | $1,011 | -10% |
| GEICO | $95 | $1,141 | 1% |
Cheapest Car Insurance With an Accident in Tulsa
American Farmers & Ranchers has the lowest car insurance rates in Tulsa for drivers with accident records, starting at $45 per month. This rate is 51% less than the city's average premium.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| American Farmers & Ranchers | $45 | $535 | -51% |
| State Farm | $52 | $625 | -43% |
| Progressive | $60 | $720 | -34% |
| Farm Bureau | $81 | $970 | -11% |
| GEICO | $82 | $986 | -9% |
Cheapest Car Insurance With a Speeding Ticket in Tulsa
For Tulsa drivers with speeding tickets, Progressive offers the most affordable insurance options. Their minimum liability coverage costs about $48 monthly, while full coverage with higher limits (100/300/100) runs around $149 per month.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Progressive | $48 | $576 | -39% |
| State Farm | $49 | $583 | -39% |
| American Farmers & Ranchers | $58 | $699 | -26% |
| Mercury | $65 | $781 | -18% |
| GEICO | $69 | $824 | -13% |
Best Car Insurance Companies in Tulsa
In Tulsa, the highest-rated car insurance companies are Progressive, Mercury, State Farm and GEICO. These providers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| 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 |
Progressive: Best Cheap Overall
pros
Lowest rates overall
Best customer experience
Most extensive coverage selection
cons
Not as affordable for young drivers or those with bad credit
COMPANY HIGHLIGHTS
Progressive dominates our Tulsa, OK study with a perfect car insurance score and the strongest reputation among all companies analyzed. Drivers typically save up to 37% on coverage, which is 14% more than the second-cheapest provider. The company also offers the most comprehensive add-on options, with unique offerings like disappearing deductibles and custom parts coverage.
How Much Is Car Insurance in Tulsa?
In Tulsa, minimum coverage costs $62 per month or $746 per year, ranking 575th out of all Oklahoma cities for affordability. Full coverage averages $153 monthly or $1,832 annually, ranking 507th among Oklahoma cities.
| Full Coverage | $153 | $1,832 |
| Minimum Coverage | $62 | $746 |
Compare Personalized Tulsa Car Insurance Costs
While basic rate breakdowns help, your exact situation may need a closer look - use the table below to filter Tulsa car insurance rates by age, driving record and other key factors combined.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $226 | $2,718 | 19% |
Tulsa Car Insurance Costs by ZIP Code
In Tulsa, car insurance rates by ZIP code range from $58 to $172 per month. ZIP code 74120 is the most expensive, while 74108 is the cheapest. Check the average rates for your ZIP code below.
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ZIP Code:74120
| 74120 | $80 | $172 |
How to Get the Best Cheap Tulsa Car Insurance
Finding affordable car insurance in Tulsa can be challenging with the area's high rates and complex coverage options, but this step-by-step guide will show you how to lower your costs while getting the protection you need.
- 1
Calculate your exact coverage needs
Start by determining how much coverage you need. 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.
- 2
Explore alternative insurance types
Different types of car insurance can save you 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 often cost less than traditional insurance.
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Know what others pay
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. This knowledge gives you leverage when negotiating with insurance providers.
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Stack up available discounts
Maximize your savings by combining multiple car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Many insurers also offer discounts for good driving records, safety features and automatic payments.
- 5
Research company reliability
Look beyond prices to 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 might save you money.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies to compare rates. Use a mix of local agents, online quotes, and insurance comparison websites. Each company uses different factors to calculate rates, so shopping around can reveal significant price differences for the same coverage.
- 7
Review coverage annually
Mark your calendar to review your policy every year. Life changes like improving credit scores, moving or buying a new car can affect your rates. Some insurers gradually increase premiums for loyal customers, so shopping around annually ensures you maintain the best rates.
Cheapest Car Insurance in Tulsa: Bottom Line
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.
Cheap Tulsa Car Insurance: FAQ
Find clear answers about affordable car insurance in Tulsa. We've researched local coverage options to help you get the protection you need at rates you can afford.
What is the cheapest car insurance company in Tulsa, Oklahoma?
Progressive offers the lowest rates in Tulsa, with average annual premiums of $414 for minimum coverage and $1,283 for full coverage. Personal factors affect rates, so compare quotes.
Who offers the best car insurance in Tulsa?
Progressive offers Tulsa's best car insurance with a MoneyGeek score of 100 out of 100, scoring nine points higher than Mercury. Progressive excels in both affordability and service quality.
What is the average cost of car insurance in Tulsa?
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.
Is car insurance in Tulsa expensive?
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.
How We Chose the Best and Cheapest Car Insurance in Tulsa, OK
To help Tulsa drivers find the most affordable auto insurance companies, MoneyGeek analyzed Tulsa auto insurance rates based on data and information from the Oklahoma Insurance Department and Quadrant Information Services. We studied all ZIP codes in Tulsa and hundreds of thousands of quotes for 12 companies offering auto insurance in Oklahoma to tailor options as closely as possible to you.
Tulsa Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Tulsa with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Tulsa
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Oklahoma are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Tulsa based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.