The best car insurance in Tulsa, OK
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The average cost of a full coverage car insurance policy in Tulsa is $2,231 a year, significantly higher than the Oklahoma state average of $1,928. But Tulsa residents can save money by shopping around for coverage and comparing quotes from multiple companies.
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Policygenius makes it easy to see options from top companies, so you can be sure you’re choosing the policy that’s best for you and your wallet.
Key Takeaways
Oklahoma requires minimum coverage levels of $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage
USAA offered the cheapest car insurance in Tulsa at an average rate of $1,067 a year for full coverage
Insurance companies use different methods when setting insurance rates, so compare quotes from multiple companies to get the best deal
Cheapest car insurance companies in Tulsa, OK
Car insurance companies use lots of factors when setting rates. Some, like age and gender, are out of your control. Others, like your driving history and credit score, are things you can maintain or improve.
Because these factors vary from driver to driver, the cheapest company for someone else might not be the cheapest for you, which is why you should take the time to shop around and compare quotes before you buy a policy.
Company
Average cost
JD Power Rating
USAA
$1,067
890
State Farm
$1,196
881
GEICO
$1,241
871
AFR Insurance
$1,642
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Shelter Insurance
$1,720
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Cheapest car insurance rates by ZIP code in Tulsa, OK
Areas of Tulsa with less traffic and fewer accidents and reported claims will have lower car insurance rates, on average, than denser neighborhoods with more accidents and claims.
ZIP code
Average cost
74103
$2,242
74104
$2,183
74105
$2,229
74106
$2,372
74107
$2,206
74108
$2,137
74110
$2,338
74112
$2,238
Choosing the right car insurance company in Tulsa, OK
The best policy isn’t necessarily the one that offers you the cheapest rate. Some insurance companies boast high claims satisfaction ratings, or offer perks like accident forgiveness, so do your research to make sure the company you choose offers exactly what you need.
Policygenius can help you compare quotes and choose the best coverage at the right price, so you can feel confident about the policy and company you choose.
Car insurance rates for drivers with driving violations in Tulsa, OK
Drivers with accidents and moving violations on their driving record will be seen as more likely to have another accident and file a claim. Higher risk means higher rates, and the more serious the infraction, the more you’ll pay for coverage.
The best way to avoid these increased rates is to be a safe and careful driver. But if you already have a bad driving record, it’s all the more important to compare quotes when you’re shopping for a policy.
Violation
USAA
State Farm
GEICO
AFR Insurance
Shelter Insurance
At-fault Accident
$1,621
$1,399
$2,154
$2,961
$3,104
DUI
$2,091
$1,307
$2,335
$3,732
$2,977
Driving with a suspended license
$2,028
$1,307
$2,815
$2,830
$2,977
Driving with an open container
$1,485
$1,307
$2,335
$2,830
$2,977
Driving with expired registration
$1,428
$1,307
$1,383
$2,257
$2,153
Driving without Lights
$1,428
$1,307
$1,759
$2,257
$2,153
Failure to show documents
$1,428
$1,307
$1,383
$2,257
$2,153
Failure to stop at a red light
$1,428
$1,307
$1,759
$2,503
$2,471
Cheapest car insurance for drivers with bad credit in Tulsa, OK
Car insurance companies check your credit when you’re shopping for a policy. The check doesn’t affect your credit, but your score will affect your rate. The lower your credit score, the more you’ll pay for car insurance, so drivers with poor credit scores should take extra time to shop around for coverage.
Company
Rates for drivers with bad credit
GEICO
$1,762
USAA
$1,965
Oklahmoa Farm Bureau
$2,089
AFR Insurance
$2,600
Allstate
$2,805
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Buying car insurance in Tulsa, OK
Most drivers will need more than these minimum amounts of coverage required by law, but Oklahoma law states that drivers need to at least meet the following minimums levels of coverage:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $25,000
Oklahoma is an at-fault state: That means that the driver who is found to be at-fault for the accident is legally and financially responsible for damage and injuries that resulted from the accident. So if you’re the one who caused a crash, your insurance company will pay for the other party’s medical expenses and repair costs, and your rates will probably go up.
Electronic proof of insurance: By law, drivers in Oklahoma can provide proof of insurance using a smartphone or tablets in the event they do not have a paper copy of their proof of insurance.
How to get cheap car insurance in Tulsa, OK
There are a few simple ways to make sure you’re getting the best rates possible:
Always compare quotes before you buy. Buying a policy without checking your other options could mean missing out on more affordable coverage from another company.
Make sure you’re getting every available discount. Insurance companies offer discounts for things like being a safe driver, paying your premium in full, or for being a member of qualifying groups or associations.
If you also need home or renters insurance, getting these policies from the same company where you buy your car insurance can save you money on both.
Before renewing your policy, shop around and make sure you aren’t missed out on cheaper coverage somewhere else.
Frequently asked questions
What is collision coverage?
Collision coverage covers the cost of damage to your own car when you’re in an accident, even if you’re the one at fault, like if you back into traffic or crash into a telephone pole. It’s not required by law, but you’ll likely be required to add it to your policy if you have a car loan or lease your vehicle.
How often should I update my coverage?
You should update your coverage whenever you have a relevant change in your life, like if you change cars or add a new one, move, add a new driver to your household, get married or divorced, or buy a house. Update your insurer whenever something big changes to make sure that your policy is up-to-date.
Do I have to have car insurance?
Yes, Oklahoma requires every driver to have a minimum amount of liability coverage. The state may grant you a temporary policy if you are stopped by a police officer and found driving without it, but If you don't buy a new policy within 10 days, you could be fined hundreds of dollars in fees, receive a license suspension and even serve jail time. Plus, the state may impound your vehicle, so make sure you maintain your car insurance coverage at all times.
Methodology
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Ed Zuccarelli
Freelance contributor