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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.
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.
Here are the cheapest carriers in Tulsa for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
 Progressive | $55/mo |
 State Farm | $85/mo |
 Travelers | $183/mo |
 The General | $243/mo |
 Liberty Mutual | $274/mo |
| Best Companies | ||
|---|---|---|
 Clearcover | $116/mo | |
 American Family | $222/mo | |
 Safeco | $183/mo | |
Liberty Mutual | $259/mo | |
 Mercury | $183/mo |
Oklahoma Cities | |
|---|---|
| Oklahoma City | $185/mo |
| Norman | $180/mo |
| Broken Arrow | $164/mo |
| Lawton | $149/mo |
| Tulsa | $168/mo |
| Oklahoma | $169/mo |
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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:
The minimum liability car insurance requirements for private passenger vehicles in Oklahoma are as follows:
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.
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.
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 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.
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 |
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.
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.
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!
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
