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Updated November 30, 2022
Car insurance costs an average of $214 per month in Tulsa — slightly more than the Oklahoma state average of $206. While liability-only coverage averages just $168 per month, if you want full coverage in Oklahoma’s second-largest city, you’ll pay considerably more — $253 on average.
Comparing insurance quotes online will save you time and help you narrow down the cheapest car insurance in Tulsa. Continue reading to learn more about which factors affect car insurance costs in Tulsa and which companies have more affordable insurance options.
Table of contents
- What does car insurance cost in Tulsa?
- Cheapest car insurance in Tulsa
- How much car insurance do you need in Tulsa?
- How to get cheap car insurance in Tulsa, Oklahoma
- The effect of age on car insurance rates in Tulsa
- How credit scores affect cheap car insurance in Tulsa
- How driving habits affect car insurance rates in Tulsa
- Car insurance in other Oklahoma cities
- Find local Tulsa insurance agents
- Tulsa car insurance rates FAQs
- Insurify Insights
What does car insurance cost in Tulsa?
Insurance costs vary widely in Tulsa, which is why gathering custom quotes will help you understand what you might pay. On average, the monthly car insurance premium in Tulsa is $168 for liability only and $253 for full coverage, which includes comprehensive and collision coverage as well as liability.
Certain factors affect car insurance premiums, including your:
Age and gender
Driving record (history of accidents or violations)
Insurance claims history
Each insurer weighs these factors differently when determining premium rates, which is why some offer better prices for Tulsa drivers than others. Insurify’s data scientists have analyzed the latest insurance rates in the city to help you identify the cheapest quotes in your area.
Safeco has the cheapest liability-only insurance coverage in Tulsa, at just $86 per month.
Traders has the cheapest full-coverage insurance in Tulsa for $152 per month.
Traders also has the cheapest insurance for new and young drivers in Tulsa for $174 per month.
Learn More: Cheap Car Insurance in Oklahoma
Traders has the cheapest car insurance in Tulsa
Traders has an average monthly car insurance premium of just $141 per month in Tulsa, making it the city’s cheapest insurance company for both liability-only and full-coverage policies. Traders is a privately owned regional insurance provider that mainly serves customers in the Midwest. The company has been around since 1976 and is known for providing affordable auto insurance solutions through partnerships with several independent agents.
Location is an important factor to consider when shopping for insurance. Tulsa lands in the top 50 U.S. cities by size, at No. 47, so while it’s not one of the largest cities, it’s still sizable. The population, crime rates, and weather conditions can directly affect car insurance premiums.
Insurers also consider the cost and frequency of litigation in a particular area and factor this into premium rates. Below are the cheapest companies for car insurance in Tulsa.
|Insurance Company||Insurify Composite Score (ICS)||Liability Only||Full Coverage|
|Midvale Home & Auto||N/A||$141||$221|
Insurify Composite Score (ICS)
To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists and insurance experts weigh multiple factors that reflect the quality, reliability, and health of an insurance company.
Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.
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How much car insurance do you need in Tulsa?
Oklahoma requires minimum car insurance coverage or liability insurance. But this may not cover all your expenses, especially if you’re looking to repair your car after an accident, theft, or vandalism.
The state has an online insurance verification system to verify that vehicles are insured and meet the minimum coverage requirements. To avoid fines and penalties, you’ll need to have proof of insurance for routine traffic stops and to renew your license, as well as worst-case scenarios like a car accident.
In Oklahoma, the minimum insurance requirements are 25/50/25 or:
$25,000 per person of bodily injury protection
$50,000 per accident of bodily injury
$25,000 of property damage protection
Bodily injury protection is a major part of your liability insurance that covers medical bills for other people who are injured in a car accident. This protection doesn’t extend to the policyholder but is meant to cover costs for the other driver and any of their passengers when you (the policyholder) are at fault for the accident.
Property damage protection pays for repairs to someone else’s damaged property, including another driver’s car, if you’re found at fault for the accident.
Liability coverage is better than having no coverage, but it will only cover damage to the other person’s vehicle and their medical costs after an accident. If property damage exceeds $25,000, you’ll have to pay out of pocket for the remaining expenses.
Take Note: Although Oklahoma requires 25/50/25 liability insurance, it’s far less than the commonly recommended amounts of 100/300/100.
State DMV information
The Oklahoma Department of Public Safety provides driver’s license and renewal services. With dozens of locations across the state, you can visit your local office for driver’s license testing, title services, specialty licenses, and license reinstatement. You can complete some services online as well for added convenience.
How to get cheap car insurance in Tulsa, Oklahoma
You can do a few things to get cheap car insurance in Tulsa. Keeping a clean driving record is always helpful, so try to avoid getting traffic tickets and other violations. Insurers also look at your credit score, so continue to use credit wisely and pay bills on time.
Bundling car insurance with homeowners or renters insurance may help you get a discount on your premium. Many insurers also offer other discounts as well for having anti-theft devices or good grades for students. You can even get a claims-free discount if you renew your policy without filing a claim.
Comparison shopping is the best way to get cheap car insurance since you can gather quotes from multiple insurance companies. You can do this online and compare options side by side based on the coverage features you’re looking for.
Read More: Compare Home and Auto Insurance Bundles
The effect of age on car insurance rates in Tulsa
Age affects car insurance rates because insurers associate age with experience. The more years of driving you have under your belt, the more likely you are to get a lower premium than someone younger — especially if you’ve maintained a clean driving record.
Here’s how age affects the average monthly car insurance premium in Tulsa.
|Age Group||Average Monthly Rate|
Cheapest car insurance for young drivers in Tulsa
Young drivers don’t have as much experience on the road and tend to get into more accidents, which leads to filing more insurance claims. To account for this risk, many insurance companies charge younger drivers more. Here are some top quotes for young drivers in Tulsa.
|Insurance Company||Monthly Premium|
|Midvale Home & Auto||$282|
Cheapest car insurance for middle-aged drivers in Tulsa
Once you’re older than 25, your premiums will probably begin to fall. Still, an at-fault accident or driving violation like speeding could increase your rates, regardless of your age and experience level. Here’s what middle-aged drivers in Tulsa may pay for car insurance.
|Insurance Company||Monthly Premium|
|Midvale Home & Auto||$193|
Cheapest car insurance for senior drivers in Tulsa
Generally, senior drivers enjoy the lowest insurance rates. This may be because they tend to drive less than working-age people and because they have more years of driving experience. Here’s a look at insurance rates for senior drivers in Tulsa.
|Insurance Company||Monthly Premium|
|Midvale Home & Auto||$185|
How credit scores affect cheap car insurance in Tulsa
Most insurers look at your credit score when you apply for car insurance to see how well you pay your bills on time. And while some states prohibit insurers from considering credit scores when setting premiums, Oklahoma permits this practice. Insurers generally view a good credit score as an indication that you manage money well and would likely pay an insurance premium on time, too.
You also have an insurance credit score that gives a rating based on how many claims you’ve filed in the past. To insurers, your personal credit helps prevent delinquency, while your insurance credit score helps predict insurance losses. When your credit score is lower, insurers charge a higher rate to protect their risk level.
Your personal credit score is a three-digit number that ranges from 300 (the lowest) to 850 (the highest possible score). Credit score ranges depend on the scoring model used, but according to Equifax:
740 and up is considered very good or excellent
670 to 739 is good
580 to 669 is fair
Below 580 is poor or subprime credit
A credit score makes a noticeable difference in car insurance premiums. Here are average monthly quotes for a full-coverage policy in Tulsa, OK, based on credit score.
|Credit Tier||Average Monthly Quote|
Read Next: Car Insurance Rates by Credit Tier
How driving habits affect car insurance rates in Tulsa
Cheapest liability-only car insurance in Tulsa: Farmers
Cheapest full-coverage car insurance in Tulsa: Travelers
Cheapest car insurance with an accident in Tulsa: Progressive
Cheapest car insurance with a DUI in Tulsa: Progressive
Cheapest car insurance with a speeding ticket in Tulsa: Safeco
Insurance companies look at your driving record closely to see if your past habits would likely lead to you filing a claim. Speeding tickets, moving violations, and DUIs (driving under the influence) within the past three to five years all cause your car insurance premium to rise.
Accidents also impact your car insurance premiums, especially if you’re found at fault. While it’s always good to report an accident, when you make a claim with your insurance company, this goes on record and affects your insurance history.
Some insurance companies may even decide not to renew your policy depending on the severity of the accident. For example, driving while under the influence of alcohol and getting into an accident could lead to the nonrenewal of your policy.
Keeping a clean driving record by driving safely and obeying traffic laws will reduce your chances of getting a ticket or getting into an accident where you’re at fault.
Here’s how some bad driving habits affect car insurance rates with certain companies, compared to driving with a clean record. Take note that some companies won’t offer a policy to people with certain offenses on their records.
|Car Insurance Company||Clean Record||With Accident||Difference||With DUI||Difference||With Speeding Ticket||Difference|
|Midvale Home & Auto||$214||$292||+$78||N/A||N/A||$306||+$92|
Car insurance in other Oklahoma cities
Check out car insurance rates in these other Oklahoma cities:
Find local Tulsa agents
LandesBlosch5506 S Lewis Ave,
Tulsa , OK 74105
Aldgate Insurance Services LLC601 S Boulder Ave,
Suite 600, Tulsa, OK 74119
Rich & Cartmill Inc. - Tulsa2738 East 51st St #400,
Tulsa, OK 74105-6227
Financial Advisor Network, LLC Dba Insurance Advisor Network4755 E 91st Street Ste B,
Tulsa, OK 74137
Bracken Insurance & Financial Services Inc9717 E 42nd St Suite 105,
Tulsa, OK 74146-3613
Charles G Harris Insurance Agency4724 S Union,
Tulsa, OK 74107
Waterman Insurance9407 E 39th Place,
Tulsa, OK 74145
Insurica Insurance Management Network of Tulsa406 S Boulder #500,
Tulsa, OK 74103
Murphy & Associates Insurance Agency- Tulsa5555 E 71st St. Ste 6110,
Tulsa, OK 74136
Scoggins Insurance LLC11051 S. Memorial Ste. 200,
Tulsa, OK 74133-7358
Tulsa car insurance rates FAQs
Traders has the cheapest car insurance prices in Tulsa in terms of the average monthly cost. Safeco and Farmers have the cheapest prices for liability car insurance. Keep in mind that the lowest car insurance prices will vary depending on whether you have a clean driving record, as well as your choice of full-coverage or liability-only insurance.
The average car insurance cost for the state is just $206 per month. In general, Oklahoma offers cheaper rates for car insurance than many other states.
Several factors affect car insurance rates in Tulsa, including your driving history, credit, type of car, age, and gender. Drivers with bad credit or tickets and accidents on their record are likely to pay more for premiums.
Most large insurance companies like GEICO, Liberty Mutual, and Progressive sell car insurance in Oklahoma. But it’s important to weigh all your options and not just choose a company due to its popular name. Consider using an online insurance-comparison tool to help you shop around for rates and compare offerings based on your insurance needs.
This will help you discover insurers you didn’t know about before and see who offers the best discounts. Gathering quotes from multiple companies also guarantees you get the cheapest price for car insurance.
How Tulsa Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Tulsa, Oklahoma below:
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Tulsa drivers measure up to their fellow motorists across Oklahoma in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Ford F-Series Pickup
Most Popular Car in Tulsa
City with the Most Speeding Tickets Rank in Oklahoma
City with the Most Moving Violations Rank in Oklahoma
City with the Most DUIs Rank in Oklahoma
City with the Most Suspended Licenses in Oklahoma
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 25 in the number of car accidents per driver across all cities in Oklahoma.
- Rank within state: #25
- Percent of drivers in Tulsa with an accident: 7.6%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Tulsa drivers rank 22 in the number of DUI’s per driver across all cities in Oklahoma.
- Rank within state: #22
- Percent of drivers in Tulsa with a DUI: 1.1%
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 25 in the number of reckless driving offenses per driver.
- Rank within state: #25
- Percent of drivers in Tulsa with a reckless driving offense: 1%
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 28 in rude driving infractions.
- Rank within state: #28
- Percent of drivers in Tulsa with a reckless driving violation: 1.1%
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 23 in the number of speeding infractions per driver.
- Rank within state: #23
- Percent of drivers in Tulsa with a speeding ticket: 7.7%
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Tulsa drivers rank 33 in clean driving records across all cities in Oklahoma.
- Rank within state: #33
- Percent of drivers in Tulsa with clean record: 80.7%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Tulsa drivers rank 27 in hybrid and electric vehicle ownership across all cities in Oklahoma.
- Rank within state: #27
- Percent of drivers in Tulsa with a hybrid/electric vehicle: 0.61%
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.