Cheap Auto Insurance Quotes in Tulsa, OK (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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Cheapest Car Insurance in Tulsa, OK

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.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Tulsa. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Tulsa, OK Driving Facts

Minimum Car Insurance Requirements in OK

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.

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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 AgeAvg. Monthly Cost
teens$384
20s$258
30s$173
40s$185
50s$200
60s$191
70s$178
80s$231
Driving HistoryAvg. Monthly Cost
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.

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 TieAvg. Monthly Cost
Excellent$240
Good$219
Average$202
Poor$213

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.

Conclusion: 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!

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Tulsa stacks up for the state of Oklahoma:

ford
Ford F-Series Pickup
Most Popular Car in
Tulsa, OK
suspended licenses
#1
Cities with Most
Suspended Licenses Rank

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.