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.
bestauto insuranceTulsa2021The Cheapest and Best Car Insurance in Tulsa
The Cheapest Car Insurance Companies in Tulsa
Tulsa insurance providers with the cheapest average rates for a full coverage car insurance policy are:
- GEICO: $774 per year
- USAA: $828 per year (limited to current and former military personnel)
For this study, MoneyGeek collected average auto insurance rates in the city for a sample 40-year-old driver with a full coverage policy, which includes liability insurance and comprehensive and collision coverage.
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- CompanyAmountper year
- 1.$774
- 2.$828
- 3.$1,020
- 4.$1,093
- 5.$1,178
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.
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 by 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
2
GEICO
Score:93
3
Allstate
Score:85
4
Travelers
Score:85
5
Progressive
Score:85
6
Auto Club of Southern California Insurance Group
Score:83
7
State Farm
Score:80
8
Safeco
Score:78
9
Liberty Mutual
Score:78
10
Farm Bureau Ins of MI
Score:75
11
Farmers
Score:75
12
Nationwide
Score:75
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.
Shopping around for car insurance in Tulsa could save you $539, which is enough to buy:
180Cups of Coffee
41Months of Your Favorite Streaming Service
Cheapest Car Insurance in Tulsa by Coverage Amount
In Tulsa and other cities, one of the primary determinants of car insurance costs is the amount of coverage you purchase. For instance, a minimum liability policy costs an average of $643 per year. Meanwhile, a full coverage policy with higher liability limits costs an average of $1,313, a difference of $669.
Oklahoma Minimum Liability Requirements
- ItemDescription
- 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: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$401$468
- 2.$376$436
- 3.$501$599
- 4.$587$636
- 5.$716$811
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$706$774
- 2.$750$828
- 3.$935$1,093
- 4.$943$1,020
- 5.$1,051$1,178
Cheapest Car Insurance in Tulsa if You Have Driving Violations
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. A speeding ticket adds about $195 to that annual premium, an at-fault accident adds about $534 and getting a DUI adds around $911.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$1,029$1,189$1,461
- 2.$1,172$1,251$1,172
- 3.$969$1,308$1,685
- 4.$1,282$1,471$1,410
- 5.$1,277$1,434$1,457
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 CodeState Minimumper year
- 74136$1,285
- 74133$1,312
- 74137$1,318
- 74105$1,334
Insurance Providers That Serve Tulsa
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.
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.
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