Compare the Cheapest Car Insurance Quotes in Tulsa, OK

Tulsa car insurance costs $1,313 on average per year, which is $14 higher than the state average. The cheapest insurance provider for an average driver in the city is GEICO, at $774 per year. MoneyGeek rated the cheapest options across different driver profiles and coverage levels to help you find an insurer that combines quality service and low costs.

Compare Auto Insurance Rates

Insurance Rates

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

widget-location-pin
Advertising & Editorial Disclosure
Last Updated: 9/23/2022
Written By     |  

Drivers in Tulsa looking for insurance coverage should look at GEICO since it has the cheapest average rates for full and minimum coverage as well as for drivers with tickets. However, these rates can change based on coverage levels and driver profiles. According to MoneyGeek, it is also the best insurer in the state that balances affordability and quality service.

iconribbonbestauto insuranceTulsa2022

The Cheapest and Best Car Insurance in Tulsa

The Cheapest Car Insurance Companies in Tulsa

On average, the Tulsa insurance providers with the cheapest average rates for a full coverage car insurance policy are:

  • GEICO: $774 per year
  • Farmers: $1,020 per year

USAA offers cheaper rates than Farmers at $828 per year on average, but it is limited to current and former military personnel only.

MetLife has the most expensive rates at an average cost of $2,184 annually.

A full coverage policy includes liability insurance and comprehensive and collision coverage. Drivers in Tulsa can increase their premiums if they want higher liability coverage.

Cheapest Car Insurance in Tulsa
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    GEICO
    $774
  • 2.
    USAA
    $828
  • 3.
    Farmers
    $1,020
  • 4.
    State Farm
    $1,093
  • 5.
    Allstate
    $1,178
  • 6.
    Progressive
    $1,380
  • 7.
    Mercury
    $1,423
  • 8.
    Oklahoma Farm Bureau
    $1,449
  • 9.
    MetLife
    $2,184

In accordance with MoneyGeek’s methodology, the calculations for policies are based on a 40-year old male driver in Tulsa purchasing full coverage auto insurance in the city.

In terms of price, a full coverage policy is a bit higher than the state minimum. That is because, aside from the state-required coverages, a full coverage also has the following:.

  • Collision Insurance: This covers any damages resulting from a collision, be it with a stationary object or with another vehicle.
  • Comprehensive Insurance: This covers damages other than a collision, such as theft or vandalism.

Car owners with old vehicles should evaluate their vehicle’s value to determine whether or not it is worth getting full coverage. If the value of the policy is worth more than the car, opt for liability-only insurance or a state minimum policy.

Compare Car Insurance Rates in Tulsa

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

widget-location-pin
Insurance Rates

Cheapest Car Insurance in Tulsa for Minimum Coverage

A minimum policy has the cheapest rates. If you plan to buy the cheapest minimum coverage, the following companies provide the most affordable rates, on average:

  • GEICO: $401 per year
  • State Farm: $501 per year

USAA offers the cheapest rates for minimum coverage in Tulsa, with an average annual premium of $376. However, these policies are only available to military families.

MetLife offers policies at roughly $871 annually, the most expensive in Tulsa on average.

While a minimum coverage policy is the cheapest, you want to think about your coverage needs before choosing this policy. Paying lower premiums means you will have low levels of liability coverage and could end up paying more out of pocket. Use the table below to see how much higher liability coverage costs.

Cheapest Minimum Liability Car Insurance in Tulsa
State Minimum

If you’re looking for the cheapest insurance in Tulsa, the state minimum coverage could meet those requirements. State minimum or liability-only insurance meets only the state-mandated coverages, hence the cheapest rates. However, such policies will also have the least protection. In case of an accident, any coverage that goes over the limit is paid by the policyholder. For example, if you are in an accident and you have $25,000 worth of coverage but the actual damage ends up costing $30,000, you will pay the remaining $5,000 out of pocket.

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.

Cheapest Car Insurance in Tulsa if You Have Driving Violations

Driving violations could raise the cost of auto insurance. Additionally, the gravity of your driving violation is directly proportional to the rates, where a DUI is more expensive than a ticket.

On average, these companies offer the cheapest rates for certain violations:

  • Cheapest after a ticket: GEICO, $969 per year
  • Cheapest after an at-fault accident: State Farm, $1,251 per year
  • Cheapest after a DUI: State Farm, $1,172 per year

For military families, USAA offers the cheapest rates for drivers with an accident on their records. You can lower your rates after a violation over time by not getting another violation. However, while you are still considered a bad driver because of your records, the best way to get cheaper rates is by shopping around for affordable rates after a violation.

Cheapest Car Insurance in Tulsa With a Violation
Speeding Ticket

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.

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.

widget-location-pin
Insurance Rates

The Best Car Insurance Companies in Tulsa

To help Tulsa drivers find a car insurance provider that combines affordability with quality service, MoneyGeek rated the best companies in the city using various factors. These include J.D. Power's customer satisfaction, affordability and financial stability ratings.

Based on MoneyGeek’s research, the best auto insurance companies in Tulsa for most drivers are:

  • GEICO: MoneyGeek score of 93 out of 100
  • Allstate: MoneyGeek score of 85 out of 100

USAA received the highest score in Tulsa according to MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:93

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

3
Allstate
Score:85

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

4
Travelers
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
Progressive
Score:85

4/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Auto Club of Southern California Insurance Group
Score:83

4/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

7
State Farm
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Safeco
Score:78

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

9
Liberty Mutual
Score:78

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

10
Farm Bureau Ins of MI
Score:75

2/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
Farmers
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

12
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

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
rain icon
Most Annual Rainfall89th/300
umbrella icon
Most Rainy Days167th/300

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.