The best car insurance in Tulsa, OK

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By

Ed Zuccarelli

Ed Zuccarelli

Freelance contributor

Ed Zuccarelli is a freelance writer and former police officer whose law enforcement experience made him an expert in motor vehicle law and the car insurance industry.

&Rachael Brennan

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Updated|3 min read

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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

--

Shelter Insurance

$1,720

--

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

74114

$2,188

74115

$2,284

74117

$2,199

74119

$2,238

74120

$2,255

74126

$2,225

74127

$2,170

74128

$2,247

74129

$2,266

74132

$2,130

74133

$2,264

74134

$2,117

74135

$2,241

74136

$2,219

74137

$2,213

74145

$2,173

74146

$2,259

74171

$2,296

74172

$2,305

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

Suspended license

$2,028

$1,307

$2,815

$2,830

$2,977

Open container

$1,485

$1,307

$2,335

$2,830

$2,977

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

Not showing documents

$1,428

$1,307

$1,383

$2,257

$2,153

Running a red light

$1,428

$1,307

$1,759

$2,503

$2,471

Failure to yield

$1,428

$1,307

$1,759

$2,503

$2,153

Following too closely

$1,428

$1,307

$1,759

$2,503

$2,471

Hit and run

$2,152

$1,307

$2,520

$3,732

$2,977

Illegal turn

$1,428

$1,307

$1,759

$2,503

$2,471

Improper passing

$1,428

$1,307

$1,759

$2,503

$2,471

Not-at-fault accident

$1,134

$1,214

$1,299

$1,667

$1,981

Passing a school bus

$1,485

$1,307

$2,443

$2,503

$2,471

Racing

$2,091

$1,307

$2,684

$2,830

$2,977

Reckless driving

$1,485

$1,307

$2,684

$2,830

$2,471

Speeding

$1,428

$1,307

$2,684

$2,257

$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

Is car insurance cheaper in Oklahoma?

No, drivers in Oklahoma pay more than the national average for car insurance. The average premium for car insurance in Oklahoma is $1,928 per year.

How often should I update my coverage in OK?

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 in OK?

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.

How much is car insurance per month in Oklahoma?

Drivers in Oklahoma pay an average of $1,928 per month for car insurance, which breaks down to $160.67 per month.

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.

Authors

Freelance contributor

Ed Zuccarelli

Freelance contributor

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Ed Zuccarelli is a freelance writer and former police officer whose law enforcement experience made him an expert in motor vehicle law and the car insurance industry.

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

gray linkedin icon link

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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