Weather, road conditions, traffic levels and accident rates vary from place to place. That’s why it’s not surprising that Tulsa car insurance companies consider your location when determining a premium rate for you. Aside from location, other factors, such as age, gender, marital status and driving records, are also evaluated. Given the different factors involved, personalized quotes can ensure that you get the best coverage based on your circumstances.
Compare the Cheapest Car Insurance Quotes in Tulsa, OK
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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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- CompanyAmountper year
- 1. GEICO$774
- 2. USAA$828
- 3. Farmers$1,020
- 4. State Farm$1,093
- 5. Allstate$1,178
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.
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
- 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 by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. GEICO$401$468
- 2. USAA$376$436
- 3. State Farm$501$599
- 4. Farmers$587$636
- 5. Allstate$716$811
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. GEICO$706$774
- 2. USAA$750$828
- 3. State Farm$935$1,093
- 4. Farmers$943$1,020
- 5. Allstate$1,051$1,178
Compare Car Insurance Rates in Tulsa
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
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.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. USAA$1,029$1,189$1,461
- 2. State Farm$1,172$1,251$1,172
- 3. GEICO$969$1,308$1,685
- 4. Farmers$1,282$1,471$1,410
- 5. Allstate$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.
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
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.
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