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Cheap Auto Insurance Quotes in Tulsa, OK (January 2022)
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Last Updated: January 2022
Driving in Tulsa doesn’t carry with it the same headaches as driving in larger cities. Still, studies show that traffic is only getting worse—so staying safe means keeping a close eye on your insurance policy coverages.
Even though Tulsans’ commutes are a full eight minutes shorter than the average American, they aren’t any more immune to accidents than the rest of us. That’s why, no matter where you live, a solid insurance policy is a must for every commuter.
Car Insurance in Tulsa, OK
The average cost of Oklahoma car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Tulsa, OK to find you the cheapest quotes in the area.
$55
$85
$183
$243
$274
ProgressiveState FarmTravelersThe GeneralLiberty Mutual
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Cheapest Car Insurance in Tulsa, OK
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Tulsa | |
|---|---|
Progressive | $55/mo |
 State Farm | $85/mo |
 Travelers | $183/mo |
 The General | $243/mo |
 Liberty Mutual | $274/mo |
Best Car Insurance in Tulsa, OK
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Tulsa. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
 Clearcover | $116/mo | |
 American Family | $222/mo | |
 Safeco | $183/mo | |
Liberty Mutual | $259/mo | |
 Mercury | $183/mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Oklahoma City | $185/mo |
| Norman | $180/mo |
| Broken Arrow | $164/mo |
| Lawton | $149/mo |
| Tulsa | $168/mo |
| Oklahoma | $169/mo |
$169
$185
$180
$164
$149
$168
OklahomaOklahoma CityNormanBroken ArrowLawtonTulsa
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Tulsa, OK Driving Facts
Minimum Car Insurance Requirements in OK
All motor All motor vehicles operated or parked on Oklahoma roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability car insurance requirements for private passenger vehicles in Oklahoma are as follows:
- $25,000 per person/$50,000 per accident for Bodily Injury (BI)
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Oklahoma state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Oklahoma law.
- $25,000/accident for Property Damage (PD)
The state minimum amount of property damage liability coverage property damage liability property damage liability coverage required in the state of Oklahoma is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Tulsa Car Insurance Rates by Driver Age
As the average car insurance rates in Tulsa demonstrate, younger drivers cost more to insure. The twentysomething crowd pays on average $257 in car insurance monthly—a full $67 more a month than their grandparents in their 60s. This cost difference can be partly attributed to the fact that with maturity comes wisdom (and fewer accidents). It is also because people in their 60s, on average, includes retirees who are also on the road less (which can equate to fewer accidents as well).
| Driver's Age | |
|---|---|
| teens | $384 |
| 20s | $258 |
| 30s | $173 |
| 40s | $185 |
| 50s | $200 |
| 60s | $191 |
| 70s | $178 |
| 80s | $231 |
| Driving History | |
|---|---|
| No Violation | $197 |
| Speeding Ticket | $256 |
| At-Fault Accident | $276 |
| Failure to Stop for Red Light / Stop Sign | $226 |
Tulsa Car Insurance Rates by Driving and Accident History
Tulsa drivers can enjoy their best insurance rates if they keep their record clear of accidents and other driving offenses (like running a red light or speeding). In fact, Tulsa’s clean-record crowd pays an average of $196 a month for car insurance. Compare this to a Tulsa driver with an at-fault accident on their record, and average monthly insurance rates skyrocket by 40 percent. This is one reason why drivers sometimes seek insurance companies that offer accident forgiveness—a program that “forgives” the first accident and prevents a spike in insurance rates.
See More: High-risk Car Insurance Oklahoma
See More: DUI Car Insurance Oklahoma
Tulsa Car Insurance Rates by Credit Tier
Many insurance companies, including those in Tulsa, use your credit score in calculating your monthly insurance premiums. Not fair? Maybe. But it’s true. Good thing there is something you can do about it. You can begin by checking your credit score to determine where you stand. A credit score of 700 or above is generally considered good. Tulsa drivers can keep their scores from dropping by paying all of their bills on time—including car insurance.
| Credit Tie | |
|---|---|
| Excellent | $240 |
| Good | $219 |
| Average | $202 |
| Poor | $213 |
See More: Bad Credit Car Insurance Oklahoma
Tulsa, Oklahoma DMV Information
Tag agencies are where it’s at if you are looking to register a vehicle in Oklahoma. The Oklahoma Tax Commission administers the taxes and fees associated with the registration and tagging of vehicles. So if you are looking to register a vehicle in or around Tulsa, you’ll want to head over to your closest tag agency. Luckily, there are plenty—14 Oklahoma tag offices in Tulsa alone.
Public Transportation in Tulsa, Oklahoma
The Metropolitan Tulsa Transit Authority (a.k.a. MTTA or Tulsa Transit) is the public transit system operating buses and paratransit for Tulsa, Oklahoma. Other ways to get around in Tulsa include by cab or, if you’re downtown, by catching the trolley. Walking around downtown is also highly encouraged as is walking or biking along the Tulsa trail system. Uber and Lyft also operate in Tulsa.
Find local Tulsa agents
LandesBlosch
5506 S Lewis Ave, Tulsa , OK 74105
Aldgate Insurance Services LLC
601 S Boulder Ave, Suite 600, Tulsa, OK 74119
Rich & Cartmill Inc. - Tulsa
2738 East 51st St #400, Tulsa, OK 74105-6227
Financial Advisor Network, LLC Dba Insurance Advisor Network
4755 E 91st Street Ste B, Tulsa, OK 74137
Bracken Insurance & Financial Services Inc
9717 E 42nd St Suite 105, Tulsa, OK 74146-3613
Charles G Harris Insurance Agency
4724 S Union, Tulsa, OK 74107
Waterman Insurance
9407 E 39th Place, Tulsa, OK 74145
Insurica Insurance Management Network of Tulsa
406 S Boulder #500, Tulsa, OK 74103
Murphy & Associates Insurance Agency- Tulsa
5555 E 71st St. Ste 6110, Tulsa, OK 74136
Scoggins Insurance LLC
11051 S. Memorial Ste. 200, Tulsa, OK 74133-7358
Insurify Insights: How Tulsa Drivers Measure Up
Tulsa, OK
Suspended Licenses Rank
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Tulsa drivers measure up to their fellow Oklahoma motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in Tulsa
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Tulsa drivers rank 11 in the number of car accidents per driver across all cities in Oklahoma.
- Rank within state: #11
- Percent of drivers in Tulsa with an accident: 8.48%
- Drivers in Tulsa, OK with an accident in their driving history paid on average 42.69% more than drivers with a clean record
Speeding in Tulsa
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Oklahoma, Tulsa drivers rank 14 in the number of speeding infractions per driver.
- Rank within state: #14
- Percent of drivers in Tulsa with a speeding ticket: 8.84%
- Drivers in Tulsa, OK with a speeding ticket in their driving history paid on average 40.94% more than drivers with a clean record
DUI/DWIs in Tulsa
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Tulsa drivers rank 5 in the number of DUI’s per driver across all cities in Oklahoma.
- Rank within state: #5
- Percent of drivers in Tulsa with a DUI: 1.63%
- Drivers in Tulsa, OK with a DUI in their driving history paid on average 22.81% more than drivers with a clean record
Most Popular Vehicle in Tulsa
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Tulsa is the Ford F-Series Pickup.
Rude Drivers in Tulsa
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Oklahoma, Tulsa drivers rank 5 in rude driving infractions.
- Rank within state: #5
- Percent of drivers in Tulsa with a reckless driving violation: 1.77%
- Drivers in Tulsa, OK with a reckless driving violation in their driving history paid on average 26.9% more than drivers with a clean record.
Safest Drivers in Tulsa
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Tulsa drivers rank 3 in clean driving records across all cities in Oklahoma.
- Rank within state: #3
- Percent of drivers in Tulsa with clean record: 82.91%
Failure to Yield the Right of Way in Tulsa
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Tulsa drivers rank 4 in failure to yield violations per driver across all cities in Oklahoma.
- Rank within state: #4
- Percent of drivers in Tulsa with a failure to yield violation: 0.43%
- Drivers in Tulsa, OK with a failure to yield violation in their driving history paid on average 1200% more than drivers with a clean record
Reckless Drivers in Tulsa
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Oklahoma, Tulsa drivers rank 4 in the number of reckless driving offenses per driver.
- Rank within state: #4
- Percent of drivers in Tulsa with a reckless driving offense: 0.04%
Hybrid/Electric Vehicle Ownership in Tulsa
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Tulsa drivers rank 6 in hybrid and electric vehicle ownership across all cities in Oklahoma.
- Rank within state: #6
- Percent of drivers in Tulsa with a hybrid/electric vehicle: 0.77%
How to get the best and cheapest car insurance in Tulsa, Oklahoma
Since Tulsa commuters are getting to work a full eight minutes earlier than everyone else, what should they be doing with all that extra time? Finding better car insurance, that’s what!
Certainly, it’s always a good time to check to be sure you are getting the best deal on car insurance. Luckily for Tulsans, Insurify can compare hundreds of quotes from national and regional carriers in just minutes. Before your workday has begun, you’ll be on your way to a better, cheaper policy!
FAQs - Tulsa, OK Car Insurance
I want to apply for a classic vehicle license plate in Tulsa. How old does my vehicle have to be?
In Oklahoma, you can apply to the Oklahoma Tax Commission for a classic vehicle license plate if your vehicle is 25 years old based on the date of manufacture. In general, you’ll also need to submit proof of liability insurance to register your vehicle unless it is not being operated on public streets or highways. If this is the case, you can complete an affidavit of non-use as part of the application process.
How can I save money on my insurance policy in Tulsa?
Besides keeping the best driving record that you can, you’ll find that insurers offer lots of discounts to get your policy down to a reasonable price. Some of these discounts include good student discounts, driver’s education discounts, and having a good credit score. What’s most important is that you are able to find and take advantage of all the discounts available to you. Another good way to save money on your insurance policy is to obey all traffic laws. Although accidents aren’t always avoidable, following the speed limit and keeping the rules of the road top of mind every time you get in your vehicle are the best ways to keep your driving record clean.
I’m thinking about customizing my car. Do I have to tell my insurance company?
For racers and other car aficionados, adding elements here and there to make their ride more exciting is always fun. However, you should never assume that the modifications you’ve made to your car will be covered by your current insurance. Plus, if you don’t disclose modifications, your insurer has the right to cancel your coverage. Always be up-front with your insurer any time you decide to trick out your ride. If not, you could end up paying out of pocket for your claim—which really stings after all the money and work you’ve already invested in your vehicle.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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