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Cheapest Car Insurance Companies in Tulsa, OK (2023 Rates)


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Updated: Oct 29, 2023
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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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2023

Cheapest Car Insurance in Tulsa, OK

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.

Company
Annual Premium
Monthly Premium

State Farm

$301

$25

Progressive

$304

$25

State Farm

$320

$27

Progressive

$329

$27

Mercury

$389

$32

State Farm

$389

$32

Progressive

$397

$33

Oklahoma Farm Bureau

$476

$40

GEICO

$486

$40

Shelter

$491

$41

Mercury

$499

$42

Mercury

$503

$42

Oklahoma Farm Bureau

$529

$44

GEICO

$531

$44

GEICO

$540

$45

Farmers

$564

$47

Allstate

$575

$48

Allstate

$576

$48

Farmers

$584

$49

Shelter

$628

$52

Allstate

$632

$53

Farmers

$695

$58

State Farm

$701

$58

Home State Ins Group

$715

$60

Home State Ins Group

$764

$64

State Farm

$776

$65

Home State Ins Group

$816

$68

Oklahoma Farm Bureau

$864

$72

Mercury

$888

$74

Progressive

$913

$76

Allstate

$948

$79

Shelter

$963

$80

State Farm

$981

$82

Allstate

$998

$83

GEICO

$1,002

$83

GEICO

$1,005

$84

Allstate

$1,018

$85

Progressive

$1,038

$87

Mercury

$1,050

$88

Oklahoma Farm Bureau

$1,075

$90

Farmers

$1,076

$90

Shelter

$1,080

$90

GEICO

$1,131

$94

Farmers

$1,145

$95

Mercury

$1,198

$100

Oklahoma Farm Bureau

$1,253

$104

Progressive

$1,306

$109

Shelter

$1,378

$115

Farmers

$1,384

$115

Home State Ins Group

$1,606

$134

Home State Ins Group

$1,656

$138

Home State Ins Group

$1,799

$150

Oklahoma Farm Bureau

$1,810

$151

Shelter

$2,072

$173

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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.

Company
Annual Premium
Monthly Premium

State Farm

$301

$25

Progressive

$304

$25

State Farm

$320

$27

Progressive

$329

$27

Mercury

$389

$32

State Farm

$389

$32

Progressive

$397

$33

Oklahoma Farm Bureau

$476

$40

GEICO

$486

$40

Shelter

$491

$41

Mercury

$499

$42

Mercury

$503

$42

Oklahoma Farm Bureau

$529

$44

GEICO

$531

$44

GEICO

$540

$45

Farmers

$564

$47

Allstate

$575

$48

Allstate

$576

$48

Farmers

$584

$49

Shelter

$628

$52

Allstate

$632

$53

Farmers

$695

$58

State Farm

$701

$58

Home State Ins Group

$715

$60

Home State Ins Group

$764

$64

State Farm

$776

$65

Home State Ins Group

$816

$68

Oklahoma Farm Bureau

$864

$72

Mercury

$888

$74

Progressive

$913

$76

Allstate

$948

$79

Shelter

$963

$80

State Farm

$981

$82

Allstate

$998

$83

GEICO

$1,002

$83

GEICO

$1,005

$84

Allstate

$1,018

$85

Progressive

$1,038

$87

Mercury

$1,050

$88

Oklahoma Farm Bureau

$1,075

$90

Farmers

$1,076

$90

Shelter

$1,080

$90

GEICO

$1,131

$94

Farmers

$1,145

$95

Mercury

$1,198

$100

Oklahoma Farm Bureau

$1,253

$104

Progressive

$1,306

$109

Shelter

$1,378

$115

Farmers

$1,384

$115

Home State Ins Group

$1,606

$134

Home State Ins Group

$1,656

$138

Home State Ins Group

$1,799

$150

Oklahoma Farm Bureau

$1,810

$151

Shelter

$2,072

$173

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.

Company
Annual Premium
Monthly Premium

State Farm

$344

$29

State Farm

$344

$29

Progressive

$363

$30

State Farm

$366

$31

State Farm

$366

$31

State Farm

$379

$32

Progressive

$381

$32

State Farm

$403

$34

Progressive

$425

$35

Progressive

$430

$36

State Farm

$446

$37

State Farm

$446

$37

Progressive

$453

$38

Progressive

$491

$41

State Farm

$491

$41

Oklahoma Farm Bureau

$493

$41

Mercury

$529

$44

Oklahoma Farm Bureau

$543

$45

Oklahoma Farm Bureau

$548

$46

Mercury

$562

$47

GEICO

$582

$49

Oklahoma Farm Bureau

$604

$50

Allstate

$629

$52

Allstate

$629

$52

Progressive

$636

$53

Mercury

$653

$54

GEICO

$656

$55

Mercury

$670

$56

Mercury

$684

$57

Allstate

$695

$58

Farmers

$696

$58

Progressive

$701

$58

Progressive

$709

$59

Allstate

$715

$60

Allstate

$715

$60

Mercury

$721

$60

Allstate

$727

$61

Allstate

$727

$61

GEICO

$728

$61

Shelter

$731

$61

Home State Ins Group

$749

$62

Farmers

$773

$64

State Farm

$784

$65

State Farm

$784

$65

Home State Ins Group

$797

$66

Home State Ins Group

$797

$66

Allstate

$797

$66

Home State Ins Group

$800

$67

Farmers

$805

$67

Allstate

$812

$68

Shelter

$821

$68

GEICO

$822

$69

Farmers

$825

$69

State Farm

$850

$71

Home State Ins Group

$851

$71

Home State Ins Group

$851

$71

Home State Ins Group

$856

$71

Mercury

$856

$71

State Farm

$865

$72

State Farm

$865

$72

Oklahoma Farm Bureau

$895

$75

Oklahoma Farm Bureau

$895

$75

Farmers

$898

$75

Home State Ins Group

$910

$76

Home State Ins Group

$910

$76

GEICO

$914

$76

Farmers

$914

$76

Shelter

$933

$78

GEICO

$934

$78

Farmers

$935

$78

State Farm

$936

$78

Oklahoma Farm Bureau

$986

$82

Shelter

$987

$82

Oklahoma Farm Bureau

$994

$83

Farmers

$1,003

$84

Mercury

$1,008

$84

Shelter

$1,048

$87

Farmers

$1,057

$88

Allstate

$1,059

$88

GEICO

$1,061

$88

GEICO

$1,063

$89

Mercury

$1,090

$91

State Farm

$1,097

$91

State Farm

$1,097

$91

Progressive

$1,106

$92

Oklahoma Farm Bureau

$1,107

$92

Allstate

$1,117

$93

Progressive

$1,141

$95

Allstate

$1,144

$95

Mercury

$1,158

$97

State Farm

$1,188

$99

GEICO

$1,190

$99

Oklahoma Farm Bureau

$1,201

$100

Mercury

$1,239

$103

Allstate

$1,239

$103

GEICO

$1,250

$104

Shelter

$1,259

$105

Shelter

$1,261

$105

Allstate

$1,263

$105

Oklahoma Farm Bureau

$1,289

$107

Progressive

$1,301

$108

Allstate

$1,309

$109

Progressive

$1,327

$111

Allstate

$1,334

$111

Allstate

$1,346

$112

Allstate

$1,375

$115

Mercury

$1,379

$115

Oklahoma Farm Bureau

$1,398

$117

Progressive

$1,413

$118

Shelter

$1,415

$118

GEICO

$1,431

$119

Farmers

$1,469

$122

Farmers

$1,474

$123

GEICO

$1,477

$123

Shelter

$1,485

$124

Mercury

$1,489

$124

Mercury

$1,493

$124

Mercury

$1,562

$130

Farmers

$1,600

$133

Progressive

$1,601

$133

Farmers

$1,615

$135

Oklahoma Farm Bureau

$1,625

$135

Home State Ins Group

$1,675

$140

Shelter

$1,701

$142

Farmers

$1,711

$143

Home State Ins Group

$1,727

$144

Home State Ins Group

$1,762

$147

Home State Ins Group

$1,762

$147

GEICO

$1,762

$147

Shelter

$1,765

$147

Farmers

$1,795

$150

Farmers

$1,809

$151

Home State Ins Group

$1,819

$152

Home State Ins Group

$1,819

$152

Mercury

$1,822

$152

Farmers

$1,839

$153

Progressive

$1,844

$154

Oklahoma Farm Bureau

$1,865

$155

Oklahoma Farm Bureau

$1,870

$156

Home State Ins Group

$1,875

$156

Progressive

$1,883

$157

Shelter

$1,896

$158

GEICO

$1,924

$160

Shelter

$1,924

$160

Home State Ins Group

$1,971

$164

Home State Ins Group

$1,971

$164

GEICO

$2,007

$167

Oklahoma Farm Bureau

$2,029

$169

Farmers

$2,054

$171

GEICO

$2,114

$176

Oklahoma Farm Bureau

$2,159

$180

Progressive

$2,164

$180

GEICO

$2,166

$181

Mercury

$2,187

$182

Mercury

$2,228

$186

GEICO

$2,232

$186

Shelter

$2,253

$188

Shelter

$2,455

$205

Shelter

$2,560

$213

Shelter

$3,043

$254

Oklahoma Farm Bureau

$3,182

$265

Shelter

$3,316

$276

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$1,291

$2,381

State Farm

$1,412

$2,604

State Farm

$1,455

$2,620

State Farm

$1,467

$3,048

State Farm

$1,514

$2,793

Allstate

$1,514

$2,440

Allstate

$1,529

$1,975

Allstate

$1,548

$2,000

State Farm

$1,551

$3,262

Allstate

$1,590

$2,055

Allstate

$1,598

$2,781

Allstate

$1,601

$4,896

State Farm

$1,617

$2,913

Farmers

$1,642

$2,633

Allstate

$1,658

$2,343

Farmers

$1,692

$2,773

State Farm

$1,696

$3,524

Allstate

$1,698

$2,193

Allstate

$1,709

$2,207

GEICO

$1,737

$3,499

State Farm

$1,747

$4,089

State Farm

$1,747

$3,676

State Farm

$1,757

$3,166

Allstate

$1,772

$2,558

GEICO

$1,776

$2,391

Allstate

$1,787

$2,880

Allstate

$1,795

$3,360

GEICO

$1,812

$2,538

Progressive

$1,824

$3,083

Allstate

$1,851

$2,391

Allstate

$1,860

$6,099

State Farm

$1,863

$3,860

GEICO

$1,892

$3,773

Progressive

$1,927

$2,508

Allstate

$1,945

$3,873

State Farm

$1,970

$4,614

GEICO

$1,975

$2,658

Progressive

$2,003

$2,408

Allstate

$2,013

$3,502

Allstate

$2,031

$6,213

GEICO

$2,036

$2,852

GEICO

$2,063

$3,198

Progressive

$2,064

$3,763

Allstate

$2,082

$7,992

GEICO

$2,088

$2,810

GEICO

$2,097

$3,433

GEICO

$2,122

$2,972

Progressive

$2,123

$2,763

State Farm

$2,149

$5,036

Progressive

$2,152

$2,587

State Farm

$2,154

$4,463

Allstate

$2,205

$7,230

Progressive

$2,206

$2,884

Allstate

$2,209

$8,401

GEICO

$2,215

$9,580

State Farm

$2,221

$5,202

State Farm

$2,230

$5,857

Progressive

$2,241

$3,345

GEICO

$2,247

$9,409

Progressive

$2,269

$2,728

Farmers

$2,288

$4,772

Progressive

$2,290

$9,763

GEICO

$2,319

$9,711

Progressive

$2,344

$3,049

GEICO

$2,350

$5,671

Farmers

$2,421

$5,247

GEICO

$2,433

$5,701

Progressive

$2,438

$4,918

Farmers

$2,442

$4,541

State Farm

$2,450

$5,702

Progressive

$2,459

$10,587

Progressive

$2,478

$10,776

GEICO

$2,499

$5,036

Farmers

$2,538

$5,749

GEICO

$2,548

$5,079

Farmers

$2,569

$4,996

Farmers

$2,570

$5,359

Progressive

$2,583

$4,368

Progressive

$2,599

$5,551

Progressive

$2,604

$11,102

Farmers

$2,625

$4,207

Progressive

$2,638

$11,537

Farmers

$2,640

$6,148

Farmers

$2,659

$11,755

Farmers

$2,661

$5,766

Farmers

$2,669

$4,278

Progressive

$2,687

$4,897

Farmers

$2,724

$4,464

State Farm

$2,772

$6,452

Progressive

$2,782

$12,099

State Farm

$2,784

$7,286

Farmers

$2,803

$12,676

Farmers

$2,810

$4,603

Farmers

$2,916

$12,891

GEICO

$2,975

$18,248

Farmers

$3,094

$13,993

Farmers

$3,128

$16,844

GEICO

$3,148

$16,750

Farmers

$3,320

$18,372

GEICO

$3,355

$14,510

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.

Company
Annual Premium
Monthly Premium

USAA

$236

$20

USAA

$257

$21

USAA

$296

$25

State Farm

$301

$25

Progressive

$304

$25

State Farm

$320

$27

Progressive

$329

$27

Mercury

$389

$32

State Farm

$389

$32

Progressive

$397

$33

Oklahoma Farm Bureau

$476

$40

GEICO

$486

$40

Shelter

$491

$41

Mercury

$499

$42

Mercury

$503

$42

Oklahoma Farm Bureau

$529

$44

GEICO

$531

$44

GEICO

$540

$45

Farmers

$564

$47

Allstate

$575

$48

Allstate

$576

$48

Farmers

$584

$49

Shelter

$628

$52

USAA

$630

$53

USAA

$631

$53

Allstate

$632

$53

Farmers

$695

$58

State Farm

$701

$58

Home State Ins Group

$715

$60

Home State Ins Group

$764

$64

USAA

$772

$64

State Farm

$776

$65

Home State Ins Group

$816

$68

Oklahoma Farm Bureau

$864

$72

Mercury

$888

$74

Progressive

$913

$76

Allstate

$948

$79

Shelter

$963

$80

State Farm

$981

$82

Allstate

$998

$83

GEICO

$1,002

$83

GEICO

$1,005

$84

Allstate

$1,018

$85

Progressive

$1,038

$87

Mercury

$1,050

$88

Oklahoma Farm Bureau

$1,075

$90

Farmers

$1,076

$90

Shelter

$1,080

$90

GEICO

$1,131

$94

Farmers

$1,145

$95

Mercury

$1,198

$100

Oklahoma Farm Bureau

$1,253

$104

Progressive

$1,306

$109

Shelter

$1,378

$115

Farmers

$1,384

$115

Home State Ins Group

$1,606

$134

Home State Ins Group

$1,656

$138

Home State Ins Group

$1,799

$150

Oklahoma Farm Bureau

$1,810

$151

Shelter

$2,072

$173

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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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).

Company
Annual Premium
Monthly Premium

State Farm

$301

$25

Progressive

$304

$25

State Farm

$320

$27

Progressive

$329

$27

Mercury

$389

$32

State Farm

$389

$32

Progressive

$397

$33

Oklahoma Farm Bureau

$476

$40

GEICO

$486

$40

Shelter

$491

$41

Mercury

$499

$42

Mercury

$503

$42

Oklahoma Farm Bureau

$529

$44

GEICO

$531

$44

GEICO

$540

$45

Farmers

$564

$47

Allstate

$575

$48

Allstate

$576

$48

Farmers

$584

$49

Shelter

$628

$52

Allstate

$632

$53

Farmers

$695

$58

State Farm

$701

$58

Home State Ins Group

$715

$60

Home State Ins Group

$764

$64

State Farm

$776

$65

Home State Ins Group

$816

$68

Oklahoma Farm Bureau

$864

$72

Mercury

$888

$74

Progressive

$913

$76

Allstate

$948

$79

Shelter

$963

$80

State Farm

$981

$82

Allstate

$998

$83

GEICO

$1,002

$83

GEICO

$1,005

$84

Allstate

$1,018

$85

Progressive

$1,038

$87

Mercury

$1,050

$88

Oklahoma Farm Bureau

$1,075

$90

Farmers

$1,076

$90

Shelter

$1,080

$90

GEICO

$1,131

$94

Farmers

$1,145

$95

Mercury

$1,198

$100

Oklahoma Farm Bureau

$1,253

$104

Progressive

$1,306

$109

Shelter

$1,378

$115

Farmers

$1,384

$115

Home State Ins Group

$1,606

$134

Home State Ins Group

$1,656

$138

Home State Ins Group

$1,799

$150

Oklahoma Farm Bureau

$1,810

$151

Shelter

$2,072

$173

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.

Company
Annual Premium
Monthly Premium

State Farm

$301

$25

Progressive

$304

$25

State Farm

$320

$27

Progressive

$329

$27

Mercury

$389

$32

State Farm

$389

$32

Progressive

$397

$33

Oklahoma Farm Bureau

$476

$40

GEICO

$486

$40

Shelter

$491

$41

Mercury

$499

$42

Mercury

$503

$42

Oklahoma Farm Bureau

$529

$44

GEICO

$531

$44

GEICO

$540

$45

Farmers

$564

$47

Allstate

$575

$48

Allstate

$576

$48

Farmers

$584

$49

Shelter

$628

$52

Allstate

$632

$53

Farmers

$695

$58

State Farm

$701

$58

Home State Ins Group

$715

$60

Home State Ins Group

$764

$64

State Farm

$776

$65

Home State Ins Group

$816

$68

Oklahoma Farm Bureau

$864

$72

Mercury

$888

$74

Progressive

$913

$76

Allstate

$948

$79

Shelter

$963

$80

State Farm

$981

$82

Allstate

$998

$83

GEICO

$1,002

$83

GEICO

$1,005

$84

Allstate

$1,018

$85

Progressive

$1,038

$87

Mercury

$1,050

$88

Oklahoma Farm Bureau

$1,075

$90

Farmers

$1,076

$90

Shelter

$1,080

$90

GEICO

$1,131

$94

Farmers

$1,145

$95

Mercury

$1,198

$100

Oklahoma Farm Bureau

$1,253

$104

Progressive

$1,306

$109

Shelter

$1,378

$115

Farmers

$1,384

$115

Home State Ins Group

$1,606

$134

Home State Ins Group

$1,656

$138

Home State Ins Group

$1,799

$150

Oklahoma Farm Bureau

$1,810

$151

Shelter

$2,072

$173

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.

Company
Annual Premium
Monthly Premium

Progressive

$476

$40

Mercury

$503

$42

Progressive

$517

$43

Oklahoma Farm Bureau

$543

$45

Oklahoma Farm Bureau

$604

$50

Progressive

$619

$52

Mercury

$649

$54

Mercury

$657

$55

GEICO

$690

$57

Allstate

$703

$59

Allstate

$703

$59

Home State Ins Group

$715

$60

GEICO

$758

$63

Home State Ins Group

$764

$64

GEICO

$773

$64

Allstate

$783

$65

Farmers

$813

$68

Home State Ins Group

$816

$68

Farmers

$843

$70

Shelter

$850

$71

State Farm

$862

$72

State Farm

$915

$76

Oklahoma Farm Bureau

$986

$82

Farmers

$1,003

$84

Shelter

$1,085

$90

State Farm

$1,115

$93

Oklahoma Farm Bureau

$1,221

$102

Mercury

$1,224

$102

Allstate

$1,262

$105

Allstate

$1,338

$112

Allstate

$1,361

$113

Oklahoma Farm Bureau

$1,423

$119

Mercury

$1,439

$120

GEICO

$1,484

$124

GEICO

$1,490

$124

Progressive

$1,517

$126

Home State Ins Group

$1,606

$134

Home State Ins Group

$1,656

$138

Mercury

$1,659

$138

Farmers

$1,660

$138

Shelter

$1,665

$139

GEICO

$1,683

$140

Progressive

$1,728

$144

Farmers

$1,758

$147

Shelter

$1,786

$149

Home State Ins Group

$1,799

$150

State Farm

$2,006

$167

Oklahoma Farm Bureau

$2,054

$171

Farmers

$2,125

$177

Progressive

$2,176

$181

State Farm

$2,220

$185

Shelter

$2,280

$190

State Farm

$2,806

$234

Shelter

$3,421

$285

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).

Company
Annual Premium
Monthly Premium

Progressive

$278

$23

Progressive

$311

$26

State Farm

$330

$28

State Farm

$351

$29

Progressive

$385

$32

GEICO

$399

$33

State Farm

$428

$36

GEICO

$434

$36

GEICO

$441

$37

Farmers

$441

$37

Farmers

$456

$38

Allstate

$519

$43

Allstate

$519

$43

Farmers

$543

$45

Allstate

$565

$47

State Farm

$852

$71

State Farm

$942

$79

Allstate

$962

$80

Farmers

$998

$83

Allstate

$1,015

$85

Allstate

$1,026

$86

Progressive

$1,062

$88

Farmers

$1,088

$91

GEICO

$1,148

$96

State Farm

$1,207

$101

GEICO

$1,219

$102

Farmers

$1,310

$109

Progressive

$1,319

$110

GEICO

$1,372

$114

Progressive

$1,741

$145

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.

City
Full Coverage Average Annual Premium
Minimum Coverage Average Annual Premium

Norman

$1,033

$456

Broken Arrow

$1,033

$476

Oklahoma City

$1,103

$497

Tulsa

$1,115

$504

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.