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Average Cost of Car Insurance in Tulsa

Tulsa$1,313
Oklahoma$1,299
U.S.$1,424

Tulsa drivers normally pay a higher auto insurance premium compared to other drivers in Oklahoma. The average annual premium in Tulsa is $1,313, while the average state premium is $1,299. Meanwhile, the average annual premium in Tulsa is 7.8% cheaper than what most drivers in the U.S. pay.

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The Best Cheap Car Insurance Companies in Tulsa

Among the car insurance companies in Tulsa, drivers can get the most affordable rate from GEICO, which has an average $774 annual premium. GEICO’s average rate is 182.1% lower than the most expensive premium in the city, which is $2,184 per year from MetLife.

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Personalized Quotes to Get You the Cheapest Car Insurance in Tulsa

If you want to ensure that you are signing up for an insurance policy that meets your needs, it is best to request personalized quotes from car insurance companies and then compare them. Know that they determine the rate based on several factors, such as your age, gender, miles driven per year, the make and model of your car and desired coverage level. As these circumstances change for you, you may qualify for lower rates, rebates or discounts.

Compare Car Insurance Rates in Tulsa

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Cheapest Car Insurance in Tulsa by Coverage Amount

How much car insurance coverage you purchase in Tulsa also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

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Oklahoma Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

If you want the state minimum liability-only coverage, USAA offers the cheapest rate at $376 a year. However, that is only available for veterans, those in active duty and their families. The general public will be able to access GEICO, which has an annual premium of $401 for state minimum liability coverage. For a little added cost, you can buy a 50/100/50 liability-only policy from GEICO for an average of $468. It will cost about $238 more if you want 50/100/50 full coverage, which means you will be compensated for other damages, such as natural disasters.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Tulsa if You Have Tickets

Your driving record says a lot about how risky you are as a client. So, the average car insurance rates in Tulsa also vary depending on your traffic violations. For a clean record, GEICO offers an average $774 annual premium, which is the cheapest in the city. However, if you have violations, you will need to pay more. Speeding ticket adds about $195 to that annual premium, at-fault accident adds about $534 and getting a DUI adds around $911.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1. USAA
    $1,029
    $1,189
    $1,461
  • $1,172
    $1,251
    $1,172
  • $969
    $1,308
    $1,685
  • $1,282
    $1,471
    $1,410
  • $1,277
    $1,434
    $1,457
  • 6. Oklahoma Farm Bureau
    $1,584
    $1,584
    $2,292
  • $1,991
    $2,666
    $1,742
  • $2,147
    $2,500
    $1,907
  • $3,030
    $2,710
    $4,718

Average Cost of Car Insurance by Postal Code

Your ZIP code also makes a difference in the premium that car insurance companies in Tulsa will offer you. The cheapest ZIP code in Tulsa for auto insurance is 74136 with an average $1,285 annual premium. That’s $49 cheaper than 74105, which costs $1,334. The discrepancy between the cheapest and most expensive ZIP codes is not that much, which suggests that the conditions (accidents, theft, traffic) in these areas are not that varied.

  • Zip Code
    State Minimumper year
  • 74136
    $1,285
  • 74133
    $1,312
  • 74137
    $1,318
  • 74105
    $1,334

Factors That Impact Insurance Costs in Tulsa

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Tulsa. How Tulsa ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities43rd/300
handcuffs2 icon
Most Car Thefts276th/300
uninsured icon
Most Uninsured Motorists by State31st/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall89th/300
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Most Rainy Days167th/300

Shopping around for car insurance in Tulsa could save you $539, which is enough to buy:


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180Cups of Coffee
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41Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for Tulsa are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in Tulsa

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.