Best Cheap Auto Insurance in Tulsa, Oklahoma (2023)

You have many choices for car insurance in Tulsa, Oklahoma, but three insurers stand out for having competitive rates and high customer satisfaction: State Farm, USAA, and Allstate. Drivers in the former oil capital of the world pay an average of $237 per month for car insurance, or $2,844 for a 12-month policy.

Rates in Tulsa, Oklahoma, may exceed the national monthly average of $212 due to its location in the region known as “tornado alley.”^[1] Whether you’re from Tulsa or recently planted roots in this vibrant city, here’s what you need to know about finding cheap car insurance.

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Best car insurance companies in Tulsa

Beyond looking for cheap rates, you should consider what type of coverage you need and what you value in an auto insurer. Your driving record, age, credit history, and vehicle type can influence what insurer offers the best coverage for you. Prioritize finding a company that aligns with your financial situation and insurance needs.

Here are three of the best insurers offering coverage in Tulsa.

Best insurance for cheap rates: State Farm

Best insurance for drivers with poor credit: Direct Auto

Best insurance for young drivers: Allstate

Cheapest liability-only car insurance in Tulsa

Liability-only car insurance provides the essential coverage you need in Oklahoma and is the cheapest policy option in Tulsa. It protects you financially if you cause an accident by covering resulting damage and injury to the other driver, their passengers, or their property. However, it doesn’t provide coverage for your vehicle.^[3]

Here are the cheapest liability-only coverage options available in Tulsa.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

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Insurance Company	Average Monthly Quote
State Farm	34
USAA	43
Allstate	48
GEICO	69
Farmers	73
Mercury	75
Safeco	75
National General	84
Clearcover	87
Progressive	87
Liberty Mutual	100
Shelter	102
CSAA	105
Direct Auto	108
Foremost	112
Midvale Home & Auto	113
GAINSCO	115
Hallmark	120
The General	121
Bristol West	155

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Tulsa

While liability-only car insurance provides minimum coverage, full-coverage car insurance offers higher levels of protection for both you and your vehicle. A full-coverage policy comes with liability, collision, and comprehensive coverage. The policy type covers damages from accidents, theft, vandalism, and natural disasters.

If you have a new or particularly valuable vehicle, you may want to purchase this policy for extra vehicle protection. Your lender may even require you to purchase this coverage if you lease or finance your vehicle.

Here are the cheapest auto insurers for full-coverage insurance in Tulsa.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	64
USAA	79
Allstate	87
GEICO	126
Travelers	133
Farmers	134
Mercury	140
Clearcover	144
Progressive	159
Safeco	160
Direct Auto	177
Shelter	188
National General	206
Midvale Home & Auto	213
CSAA	222
Liberty Mutual	240
The General	242
GAINSCO	247
Foremost	251
Hallmark	254
Bristol West	297

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Oklahoma

Oklahoma is an at-fault state for car insurance, which means the driver who caused the accident is responsible for covering the cost of the other driver’s damage and injury following an accident.^[4]

The state requires drivers to carry a minimum amount of bodily injury and property damage liability insurance, but the Oklahoma Insurance Department suggests you may need more than the minimum to fully protect you financially.

Here are the specific state minimum requirements in Oklahoma.^[5]

For more vehicle protection, you should consider purchasing one or more of the following additional coverages:

Collision coverage

Collision insurance covers your vehicle damage following an auto accident, regardless of fault.

Comprehensive coverage

If a non-collision incident causes damage to your vehicle, comprehensive coverage kicks in. Non-collision incidents include vandalism, severe weather, fire, and more.

Uninsured/underinsured motorist coverage

Uninsured motorist coverage provides compensation for injuries sustained in accidents caused by uninsured drivers or hit-and-run incidents.

Rental reimbursement coverage

Rental reimbursement covers expenses for a rental car if your vehicle needs repairs after an accident.

Towing and labor coverage

Towing and labor coverage helps pay for towing or repair costs if your vehicle breaks down or becomes inoperable.

Medical payments coverage

Medical payments coverage pays for reasonable medical expenses for you and your passengers in the event of injury from an auto accident.

Gap coverage

Gap insurance covers the difference between your car’s actual cash value and remaining loan amount if your car is a total loss.

Excess electronic equipment coverage

This coverage replaces electronic equipment, tapes, records, discs, and other media a standard auto insurance policy doesn’t cover.^[6]

Cheapest car insurance for drivers with an incident

Incidents on your driving record — such as an at-fault accident, speeding ticket, DUI, or another moving violation — can affect how much you pay for car insurance. Auto insurance companies consider a history of incidents as a sign of high-risk driving and often charge higher rates as a result.^[7]

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Cheapest car insurance for drivers with a speeding ticket

Speeding tickets indicate risk to insurers, so you may see your rates increase a bit. However, plenty of Tulsa insurance companies will still offer reasonable rates — especially if you only have one speeding ticket on your record.

Here are the cheapest car insurance companies for Tulsa drivers with a speeding ticket.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	93	49
USAA	115	62
Allstate	126	70
GEICO	183	100
Farmers	195	106
Mercury	203	109
Clearcover	209	126
Progressive	231	126
Safeco	232	109
Direct Auto	257	157
Shelter	273	148
National General	299	122
Midvale Home & Auto	309	164
CSAA	322	152
Liberty Mutual	349	145
The General	351	176
GAINSCO	359	167
Foremost	364	163
Hallmark	369	174
Bristol West	431	225

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

Insurers may consider you more of a risk when you have an at-fault accident on your record because at-fault accidents indicate a greater likelihood of future claims. To compensate for this added risk, insurers typically charge higher premiums.

You can find the cheapest car insurance companies by comparing quotes, taking advantage of discounts, and maintaining a clean driving record moving forward. Here are the cheapest Tulsa insurers for drivers with an at-fault accident on their record.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	95	51
USAA	118	64
Allstate	130	71
GEICO	188	103
Farmers	200	109
Mercury	209	112
Clearcover	214	130
Progressive	237	130
Safeco	238	112
Direct Auto	264	161
Shelter	280	152
National General	307	125
Midvale Home & Auto	317	168
CSAA	331	156
Liberty Mutual	357	149
The General	360	180
GAINSCO	368	171
Foremost	374	167
Hallmark	378	179
Bristol West	442	231

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

Due to the severity of the offense, a DUI can significantly affect your insurance rates. A DUI on your record signals a higher likelihood of accidents and potential legal ramifications for insurers.

If you’re struggling to find insurance coverage after a driving under the influence conviction, you may need to contact the Oklahoma Automobile Insurance Plan at (405) 842-0844 to connect with an insurance agent that will provide you coverage.

Here are the cheapest insurers in Tulsa for drivers with a past DUI conviction.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	108	57
USAA	133	73
Allstate	147	81
GEICO	213	117
Farmers	226	123
Mercury	237	127
Clearcover	243	147
Progressive	269	147
Safeco	270	127
Direct Auto	299	182
Shelter	318	172
National General	348	142
Midvale Home & Auto	360	191
CSAA	375	177
Liberty Mutual	405	169
The General	409	204
GAINSCO	417	194
Foremost	424	189
Hallmark	429	203
Bristol West	502	262

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

Car insurance costs tend to follow a specific pattern as you age. Rates tend to steadily decrease around the age of 35 as you gain more experience and establish a clean driving record. However, premiums will likely increase a bit again for senior drivers age 75 and older.

Even though older drivers spend less time driving, crash rates increase significantly for drivers age 70 and older, according to the Insurance Institute for Highway Safety.^[8]

Here are the cheapest insurers for senior drivers in Tulsa.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	37	20
USAA	45	25
Allstate	50	28
GEICO	72	40
Farmers	77	42
Mercury	80	43
Clearcover	83	50
Progressive	91	50
Safeco	92	43
Direct Auto	102	62
Shelter	108	59
National General	118	48
Midvale Home & Auto	122	65
CSAA	127	60
Liberty Mutual	138	57
The General	139	69
GAINSCO	142	66
Foremost	144	64
Hallmark	146	69
Bristol West	170	89

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

Car insurance for teenage drivers can feel like a financial burden on many families. Premiums are often much higher for young drivers due to inexperience driving and risks around distractions and speeding. Teens can earn cheaper rates by joining their parents’ insurance policy, driving a safe vehicle, and earning a good student discount.

The Oklahoma Graduated Driver Licensing (GDL) process — which includes a six-month supervised driving learning period — helps reduce accidents. That said, Oklahoma teens still have more accidents than any other age group, according to the Oklahoma State Department of Health.^[9]

Here are the cheapest insurers for teenage drivers in Tulsa.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	118	63
USAA	146	79
Allstate	161	89
GEICO	233	127
Farmers	247	135
Mercury	258	138
Clearcover	266	161
Progressive	293	161
Safeco	295	138
Direct Auto	327	199
Shelter	347	188
National General	380	155
Midvale Home & Auto	393	209
CSAA	410	194
Liberty Mutual	443	185
The General	447	223
GAINSCO	456	212
Foremost	463	207
Hallmark	469	221
Bristol West	548	286

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in Tulsa

Several factors influence how much you pay for auto insurance in Tulsa, including your driving history, vehicle type, ZIP code, gender, age, and credit score. Here are some tips to help you find affordable coverage in Tulsa:

• Compare quotes. You can find the best price by shopping around and comparing auto insurance rates and coverages from different companies.

• Drive safely. A clean driving record demonstrates responsible driving behavior and can help you qualify for cheaper car insurance premiums.

• Increase your deductible. A higher deductible means you’ll pay more if you file a claim, but it can also lower your coverage costs.

• Ask about potential discounts. Insurance companies can offer a number of discounts to help you save money by being a good driver, bundling homeowners insurance and renter policies, insuring multiple vehicles, and more.

Find Car Insurance in Tulsa

Enter your ZIP codeGet My Quotes

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Based on 3,806+ reviews

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Tulsa car insurance quotes by credit tier

Your credit score can influence your insurance costs because Oklahoma insurers can consider it when determining your car insurance premiums. An excellent or good credit score can help you get a more favorable car insurance quote. Tulsa drivers with poor credit scores typically pay more for coverage.

Here are the average rates for car insurance in Tulsa by credit tier.

Is car insurance more expensive in Tulsa?

Tulsa car insurance costs 7% less than the national average. However, premiums can vary by ZIP code within the city. Different neighborhoods have different population densities, crime rates, and driving conditions that affect how much you pay.

Living in the second-largest city in Oklahoma, Tulsa drivers tend to pay more for coverage than drivers in most other cities in the state. Tulsa has an average of 2,091 residents per square mile in the city, according to the U.S. Census Bureau. This population density can result in more traffic incidents, which may increase average rates for drivers in the city.^[10]

More cities in Oklahoma

Car insurance rates in the Sooner State vary widely. Oklahoma City drivers pay roughly the same as drivers in Tulsa, but residents of smaller cities may pay less, on average. For example, premiums in Lawton are 16% less than rates in Tulsa.

On average, Tulsa drivers pay $285 per month for full-coverage insurance. Below, you can see full-coverage rates in other Oklahoma cities — and how they compare to Tulsa.

Tulsa car insurance FAQs