Cheapest Car Insurance Companies in Tulsa, OK (2024 Rates)


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Updated: May 20, 2024

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The cheapest auto insurance company in Tulsa depends on driving profile and needs.

State Farm is the cheapest for young adults, seniors, a full coverage or state-minimum policy, with a speeding ticket, at-fault accident or DUI and sports car drivers.

Allstate is the cheapest for teens, USAA for military members and Mercury with bad credit.

Those wanting to balance affordability and service should consider MoneyGeek's analysis of the best car insurance companies in Tulsa.

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2024

Cheapest Car Insurance in Tulsa, OK

Why Trust MoneyGeek? Insurance rates in Tulsa in this study are based on our analysis of data and information from the Oklahoma Insurance Department and Quadrant Information Services.

27,868Quotes Analyzed
 
10Companies Compared

Cheapest Minimum Coverage Car Insurance in Tulsa

The average cheapest car insurance companies for a minimum coverage policy in Tulsa are:

  • State Farm: $320 per year
  • Progressive: $329 per year

On the other hand, the most expensive insurer in the city for minimum coverage is Home State Ins Group, charging an average of $715 per year.

State Farm is also the cheapest car insurance provider in Oklahoma as of October 2022, with an average rate of $233 across the state for minimum coverage. That shows how location can affect insurance costs since the company charges much more in Tulsa than its statewide average.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
State FarmAnnual Premium$320Monthly Premium$27
ProgressiveAnnual Premium$329Monthly Premium$27
MercuryAnnual Premium$389Monthly Premium$32
GEICOAnnual Premium$486Monthly Premium$40
Oklahoma Farm BureauAnnual Premium$529Monthly Premium$44
FarmersAnnual Premium$564Monthly Premium$47
AllstateAnnual Premium$576Monthly Premium$48
ShelterAnnual Premium$628Monthly Premium$52
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A minimum coverage policy only follows the state’s liability limit requirements. In Tulsa, drivers are required to have 25/50/25:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $25,000 in property damage liability per accident

With these limits, your insurer will only cover up to $50,000 for any third-party injuries in a single accident, with a maximum of $25,000 per person. So, if the other driver sustains injuries totaling $40,000, your insurer pays $25,000, and you must pay the remaining $15,000.

Cheapest Full Coverage Car Insurance in Tulsa

For a full coverage policy, the most affordable car insurance companies in Tulsa, on average, are:

  • State Farm: $776 per year
  • Mercury: $888 per year

In Tulsa, Home State Ins Group's full coverage policy averages $1,606 per year, making it the most expensive for full coverage.

As of October 2022, the cheapest full coverage auto insurance in Oklahoma can also be found with State Farm, with an average cost of $718 per year, which is less than what the company charges in Tulsa. Location does affect the cost of car insurance.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$776Monthly Premium$65
MercuryAnnual Premium$888Monthly Premium$74
AllstateAnnual Premium$948Monthly Premium$79
GEICOAnnual Premium$1,005Monthly Premium$84
ProgressiveAnnual Premium$1,038Monthly Premium$87
FarmersAnnual Premium$1,145Monthly Premium$95
Oklahoma Farm BureauAnnual Premium$1,253Monthly Premium$104
ShelterAnnual Premium$1,378Monthly Premium$115

Full coverage offers more financial protection, as it includes comprehensive and collision coverage.

  • Collision insurance: It pays for damages to your vehicle when in an at-fault accident with another vehicle or object.
  • Comprehensive insurance: It pays for damages to your vehicle by something other than a collision, such as theft, vandalism, fire, natural disasters or animals.

Full coverage may not be a worthwhile purchase for older vehicles with low market values, as the repair or replacement costs may not justify the higher premium.

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Cheapest Car Insurance in Tulsa After a Driving Offense

In Tulsa, the average cheapest car insurance companies for drivers with a driving violation and full coverage are:

  • Speeding ticket: State Farm ($865 per year)
  • At-fault accident: State Farm ($936 per year)
  • DUI: State Farm ($865 per year)

A moving violation on your driving record can significantly impact your auto insurance premium, as insurers may view you as a high-risk driver. If you have a poor driving record, even the cheapest company's rate for you will not be as low as for a safe driver.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$865Monthly Premium$72
AllstateAnnual Premium$1,059Monthly Premium$88
MercuryAnnual Premium$1,239Monthly Premium$103
GEICOAnnual Premium$1,250Monthly Premium$104
Oklahoma Farm BureauAnnual Premium$1,289Monthly Premium$107
ProgressiveAnnual Premium$1,327Monthly Premium$111
FarmersAnnual Premium$1,474Monthly Premium$123
Home State Ins GroupAnnual Premium$1,675Monthly Premium$140

Generally, the more serious a violation, the higher the auto insurance rate. For instance, if you have a speeding ticket in Tulsa, a full coverage policy costs an average of $226 more per year. In contrast, if you have a DUI, your rate can rise by $481 a year on average.

Despite this, there are plenty of providers offering cheap car insurance for those with poor driving records, which is why you should compare quotes before buying a policy.

Cheapest Car Insurance in Tulsa for Teens and Their Families

On average, the most affordable car insurance companies in Tulsa for teen drivers on their family’s full coverage policy are:

  • Allstate: $2,082 per year for female teens; $2,209 per year for male teens
  • State Farm: $2,230 per year for female teens
  • Progressive: $2,638 per year for male teens

For both male and female teens on a family policy, Farmers is the most expensive insurer in Tulsa for full coverage, costing an average of $3,128 per year for females and $3,320 per year for males.

Rates can vary based on gender. Teen males are often viewed as riskier to insure and more likely to get into accidents — which leads to a higher premium than females. The gender cost difference tends to diminish in early adulthood.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
AllstateFamily Plan Annual Premium$2,082Individual Plan Monthly Premium$7,992
State FarmFamily Plan Annual Premium$2,230Individual Plan Monthly Premium$5,857
ProgressiveFamily Plan Annual Premium$2,459Individual Plan Monthly Premium$10,587
GEICOFamily Plan Annual Premium$2,975Individual Plan Monthly Premium$18,248
FarmersFamily Plan Annual Premium$3,128Individual Plan Monthly Premium$16,844

Generally, being on a family policy is the way to get the cheapest car insurance for teens. Plus, a teen under 18 usually cannot legally purchase car insurance without a parent or guardian as a co-signer.

If a teen does get their own policy with a co-signer, they pay a lot more than if they were on a family policy. Case in point, a full coverage family policy in Tulsa costs an average of $2,391 per year with a male teen included; the teen’s individual policy is roughly $3,953 more annually.

Cheapest Car Insurance in Tulsa for Military Drivers

For active-duty or veteran military members in Tulsa, the average cheapest military-affiliated car insurance for a full coverage policy is with the following:

  • USAA: $630 per year
  • State Farm: $776 per year

Both USAA and State Farm also offer the cheapest state-minimum policy in Tulsa for military families, with the rate averaging $236 per year for USAA and $320 annually for State Farm.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$630Monthly Premium$53
State FarmAnnual Premium$776Monthly Premium$65
MercuryAnnual Premium$888Monthly Premium$74
AllstateAnnual Premium$948Monthly Premium$79
GEICOAnnual Premium$1,005Monthly Premium$84
ProgressiveAnnual Premium$1,038Monthly Premium$87
FarmersAnnual Premium$1,145Monthly Premium$95
Oklahoma Farm BureauAnnual Premium$1,253Monthly Premium$104

How to Compare Cheap Tulsa Car Insurance Quotes Online

Gathering car insurance quotes in Tulsa can be time-consuming — expect to take at least 15 minutes to enter your personal details with each provider.

Save time and quickly get a ballpark estimate from multiple companies using MoneyGeek's car insurance calculator. All you need to provide is your age, vehicle type, coverage level and driving record. That allows you to get an idea of what to expect in terms of insurance costs before committing to a policy.

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Rates updated:

Jul 18, 2024

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Cheapest Car Insurance in Tulsa for Young Adults

In Tulsa, on average, the most affordable car insurance providers for young adults looking for full coverage are:

  • State Farm: $981 per year
  • Allstate: $998 per year

Shelter is the most expensive insurer for young adults in Tulsa. On average, Shelter’s full coverage premium is $2,072 per year.

Because young drivers generally have less driving experience, they’re viewed as riskier to insure and pay more for auto insurance.

For instance, 40-year-olds in Tulsa pay an average of $1,115 annually for a full coverage policy, which is $294 less than the average cost for a 25-year-old driver ($1,409).

Data filtered by:Results filtered by:
Age Group:
Age Group:22-29
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$981Monthly Premium$82
AllstateAnnual Premium$998Monthly Premium$83
GEICOAnnual Premium$1,131Monthly Premium$94
MercuryAnnual Premium$1,198Monthly Premium$100
ProgressiveAnnual Premium$1,306Monthly Premium$109
FarmersAnnual Premium$1,384Monthly Premium$115
Home State Ins GroupAnnual Premium$1,799Monthly Premium$150
Oklahoma Farm BureauAnnual Premium$1,810Monthly Premium$151

Cheapest Car Insurance in Tulsa for Seniors

Tulsa’s average cheapest car insurance companies for seniors looking for a full coverage policy are:

  • State Farm: $701 per year
  • Progressive: $913 per year

The most expensive provider of full coverage for seniors in Tulsa is Home State Ins Group, averaging $1,656 annually.

After 60, insurers may charge you more for auto insurance. That is because older adults and seniors are considered slightly riskier to insure due to health changes that can affect driving ability.

But in Tulsa, that is not the case for a 65-year-old. They pay around $1,063 a year for full coverage car insurance, roughly $52 less than the cost of a 40-year-old’s policy.

Data filtered by:Results filtered by:
Age Group:
Age Group:60 +
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$701Monthly Premium$58
ProgressiveAnnual Premium$913Monthly Premium$76
GEICOAnnual Premium$1,002Monthly Premium$83
AllstateAnnual Premium$1,018Monthly Premium$85
MercuryAnnual Premium$1,050Monthly Premium$88
Oklahoma Farm BureauAnnual Premium$1,075Monthly Premium$90
FarmersAnnual Premium$1,076Monthly Premium$90
ShelterAnnual Premium$1,080Monthly Premium$90

Cheapest Car Insurance in Tulsa for Poor Credit

Tulsa's average cheapest car insurance companies for drivers with poor credit and a full coverage policy are:

  • Mercury: $1,224 per year
  • Allstate: $1,262 per year

Shelter, on the other hand, costs an average of $2,280 a year for drivers with bad credit, making it the most expensive full coverage provider for them in Tulsa.

The cost of auto insurance in Tulsa may rise if you have a bad credit history since insurers may view you as a higher risk. Case in point, the average cost to insure a driver with poor credit and full coverage is $1,666 per year, which is around $550 or 49% more than the average cost for a driver with good credit.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
MercuryAnnual Premium$1,224Monthly Premium$102
AllstateAnnual Premium$1,262Monthly Premium$105
Oklahoma Farm BureauAnnual Premium$1,423Monthly Premium$119
GEICOAnnual Premium$1,490Monthly Premium$124
Home State Ins GroupAnnual Premium$1,606Monthly Premium$134
ProgressiveAnnual Premium$1,728Monthly Premium$144
FarmersAnnual Premium$1,758Monthly Premium$147
State FarmAnnual Premium$2,220Monthly Premium$185

A lower credit score or credit-based insurance score can lead to a higher auto insurance rate, as insurers have observed that those with poor credit are more prone to filing claims.

However, drivers with poor credit can take several steps to reduce their insurance costs, such as getting discounts, bundling policies and comparing quotes from different insurance providers. Additionally, over time, you can improve your credit score to potentially qualify for a better insurance rate. One smart move to make is to pay your bills on time each month.

Cheapest Car Insurance in Tulsa for Sports Cars

The average cheapest car insurance for drivers with sports cars in Tulsa looking for full coverage is with the following:

  • State Farm: $942 per year
  • Allstate: $962 per year

If you have a sports car in Tulsa, Progressive is the most expensive insurer; its full coverage policy costs an average of $1,319 per year.

Sports cars may be more likely to be stolen or vandalized, so they might come with a higher insurance rate — but this isn’t always the case. For example, the average cost of a full coverage policy for a standard Toyota Camry is $1,115 per year in Tulsa, which is $9 more than the average cost to insure a Ford Mustang ($1,106).

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$942Monthly Premium$79
AllstateAnnual Premium$962Monthly Premium$80
FarmersAnnual Premium$1,088Monthly Premium$91
GEICOAnnual Premium$1,219Monthly Premium$102
ProgressiveAnnual Premium$1,319Monthly Premium$110

MoneyGeek used a Ford Mustang to represent a sports car, but your insurance pricing can vary because of your car’s make and model. Generally, luxury, electric and sports cars are the most expensive to insure. However, in Tulsa, it costs less on average to insure a Ford Mustang sports car than a standard Toyota Camry.

Average Cost of Car Insurance in Tulsa

In Tulsa, the average cost of a full coverage auto insurance policy with 100/300/100 liability limits is $1,115 per year. That is around $75 more than the average cost of auto insurance across Oklahoma. However, compared to the national average cost of auto insurance, which is $1,265 per year, Tulsa drivers pay $150 less.

The city you live in plays a role in how much your insurance will cost, as insurers also use environmental factors to determine premiums. For instance, drivers in Broken Arrow and Norman pay around $82 less per year for insurance compared to those in Tulsa.

NormanFull Coverage Average Annual Premium$1,033Minimum Coverage Average Annual Premium$456
Broken ArrowFull Coverage Average Annual Premium$1,033Minimum Coverage Average Annual Premium$476
Oklahoma CityFull Coverage Average Annual Premium$1,103Minimum Coverage Average Annual Premium$497
TulsaFull Coverage Average Annual Premium$1,115Minimum Coverage Average Annual Premium$504

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.