Cheapest Car Insurance in Tulsa, OK (2025)

Tulsa drivers pay an average of $744 per year for minimum coverage and $1,836 per year for full coverage. Comparison shopping gives you confidence that you're getting the lowest rates.

• Cheapest minimum liability coverage: Progressive offers Tulsa's most affordable minimum coverage at $414 per year ($35 monthly). That's 44% lower than the city average of $744, saving you $330 annually. American Farmers & Ranchers comes in second for minimum coverage at $535 per year ($45 monthly), a 28% savings compared to the city average.
• Cheapest full coverage: Progressive delivers the most affordable full coverage at $1,283 per year ($107 monthly), 30% below the city average of $1,836. That's $553 in annual savings. GEICO's full coverage costs $1,536 per year ($128 monthly), still 16% below the city average but $253 more than Progressive annually.

Young drivers in Tulsa have the highest car insurance rates, while adults and seniors enjoy more affordable options. Here are the most affordable car insurance companies in Tulsa by age group:

• Adults: Progressive leads at $34 monthly, with Mercury following at $45
• Seniors: Progressive offers the lowest rates at $48 monthly, and American Farmers & Ranchers at $54
• Young drivers: American Farmers & Ranchers provides the best value at $69 monthly, while State Farm costs $97

Progressive helps young drivers under 25 save through its Snapshot program, which tracks driving habits and offers personalized discounts up to $145 at renewal. State Farm supports drivers 50 and older with its Drive Safe and Save program.

Driving violations increase your car insurance costs . Shopping around after a violation helps you find insurers with lower rates. We analyzed rates from major providers in Tulsa to identify the most affordable options by violation type:

• Accident: American Farmers & Ranchers at $44 and State Farm at $52 monthly
• Ticket: Progressive at $47 and State Farm at $48 monthly
• DUI: Progressive at $43 and State Farm at $48 monthly

Minor violations stay on Oklahoma driving records for three years, with many insurers reducing rates afterward.

Your neighborhood determines how much you'll pay for car insurance in Tulsa. Drivers in ZIP code 74120 have the highest costs at $172 monthly for full coverage, while those in 74108 enjoy the lowest rates at just $145 monthly.

Progressive dominates Tulsa's car insurance market with an impressive 99 out of 100 score on MoneyGeek's rating scale. Mercury follows as a strong second choice, earning 90 out of 100 points for its comprehensive offerings.

Progressive leads in customer service and claims satisfaction, with our analysis incorporating agent network ratings, complaint data from the National Association of Insurance Commissioners (NAIC), J.D. Power studies and multi-platform customer reviews to evaluate insurer performance.

Progressive excels in coverage options, earning high marks for the number of standard and specialty coverages available, plus unique add-ons. Mercury leads in comprehensive coverage variety, while Progressive dominates affordability. Both insurers maintain strong financial stability ratings.

See below for why each insurer is best and which fits your needs.

Tulsa drivers have some of Oklahoma's highest car insurance premiums. Shop around, reduce your costs and select the right coverage for your needs:

Our insurance experts provide answers to common questions about affordable car insurance in Tulsa:

We analyzed hundreds of thousands of quotes from major insurers using data from the Oklahoma Insurance Department and Quadrant Information Services. Our research covered all Tulsa ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. 

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Oklahoma's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing tornado damage claims or handling vehicle theft reports.

Coverage options (10%): More choices mean better odds of matching coverage to Tulsa risks like hail damage, uninsured motorists and theft in high-risk areas.