Best Cheap Auto Insurance in Tulsa, Oklahoma (2024)

State Farm offers the cheapest car insurance in Tulsa, with minimum-coverage rates starting at $38 per month.

Amy Beardsley
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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
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  • 3+ years experience in insurance and personal finance editing

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Daniel Roccato
Reviewed byDaniel Roccato
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Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Konstantin Halachev
Data reviewed byKonstantin Halachev
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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.

Updated April 17, 2024

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Tulsa drivers pay, on average, more for car insurance than drivers in other parts of the state. Full-coverage car insurance in Tulsa averages $241 per month, while liability-only policies average $110. By comparison, the Oklahoma state-level averages are $203 and $90, respectively.

Multiple factors, including relatively high population density, high accident rates, and extreme weather contribute to T-Town's car insurance costs. But Tulsa drivers can still find cheap car insurance by comparing rates from multiple insurers. Here's what to know about auto insurance in Tulsa.

Quick Facts
  • State Farm, USAA, and Allstate are the cheapest car insurance providers in Tulsa.

  • Oklahoma insurers can consider your credit history when determining your premium.[1]

  • Because Oklahoma is an at-fault state, a driver that causes an accident is responsible for the costs of vehicle repairs and medical expenses of the other driver.

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.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.5$61$32Cheap rates
Direct Auto3.3$154$93Poor credit
Allstate4.2$84$44Young drivers
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.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurance for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$38/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$71/mo

State Farm offers the cheapest liability-only and full-coverage car insurance rates in Tulsa. The company also was the highest- rated insurer for the Southwest in J.D. Power's 2023 U.S. Auto Insurance Study. The largest auto insurer in the US. by market share, State Farm offers plenty of options from which to customize your policy.

Pros
  • Cheapest average rates in Tulsa

  • Five agents in Tulsa for personalized service

  • Strong financial strength ratings

Cons
  • Gap insurance not available

  • Fewer discounts than some other insurers

  • Mixed customer reviews on Better Business Bureau (BBB) and Trustpilot

Read our State Farm review
Hephzibah - April 16, 2024
Verified

Looking for Good Service and Prices

Not good. The quotes changed and they were difficult to deal with.

Jane - April 16, 2024
Verified

Good Deals

They are friendly and offer good pricing.

Roger - April 16, 2024
Verified

Excellent

Very good agent.

Best insurance for drivers with poor credit: Direct Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$112/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$180/mo

Your credit score can affect how much you pay for car insurance in Tulsa. Unlike some insurers, Direct Auto sells coverage to drivers with poor or no credit. The company places less of an emphasis on credit scores than other insurers. Instead, the company prioritizes coverage for high-risk drivers and offers low down-payment options.

Pros
  • Affordable rates for drivers with no credit or poor credit

  • Savings of up to 25% possible via discounts

  • Many customizable policy options

Cons
  • Fewer discounts than some other insurers

  • Gap insurance not available

  • Rideshare coverage not available

Read our Direct Auto review
Edward - April 17, 2024
Verified

Poor Customer Service

I switched because the service was bad.

Dianne - April 9, 2024
Verified

Rude customer service and unexpected rate increase

My plan was increased from $291 to $388 without any notification, resulting in a change to my policy. I was never provided with a copy of my policy. When I called to inquire about the situation, the representative was very rude.

Jessica - March 31, 2024
Verified

Fair

There should be more manageability in the app for customers.

Best insurance for young drivers: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$52/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$98/mo

Coverage from Allstate is a great option for young drivers in Tulsa. Teens and drivers under age 25 have many options to lower their car insurance payments. For instance, Allstate offers a smart student discount, savings on multi-vehicle family plans, and lower rates for insuring a vehicle with high safety ratings.

Pros
  • Many customizable policy options

  • teenSMART program allows teens to save

  • Rideshare insurance available

Cons
  • Additional cost for roadside assistance

  • Below-average customer satisfaction rating by J.D. Power

  • Above-average number of complaints filed with the National Association of Insurance Commissioners (NAIC)

Read our Allstate review
Wayne - April 16, 2024
Verified

Good

Find a company cheaper than All-State.

Michael - April 16, 2024
Verified

Poor Customer Service and Website

The customer service is poor. The website is also poor.

Roderick - April 16, 2024
Verified

Searching for a Good Agent

It started out great, but since my agent retired, I don't feel welcome anymore.

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.

Cheapest liability-only car insurance in Tulsa: State Farm

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, so you should carefully consider your ability to cover potential out-of-pocket expenses in case of an accident.[2]

On average, Tusla drivers pay $110 per month for liability coverage, but can find the cheapest rates from State Farm for $38 per month.

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

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Monthly Quote
State Farm38
USAA48
Allstate52
Safeco67
GEICO75
Farmers80
Mercury80
Clearcover87
Progressive90
National General95
Liberty Mutual106
CSAA108
Direct Auto112
Shelter113
GAINSCO121
Midvale Home & Auto121
The General125
Hallmark134
Foremost144
Bristol West175
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: State Farm

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.

Tusla drivers pay on average $241 per month for full coverage, but can find the cheapest rates from State Farm for $71 per month.

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

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Monthly Quote
State Farm71
USAA88
Allstate98
GEICO142
Clearcover150
Farmers150
Mercury156
Safeco169
Progressive170
Direct Auto180
National General191
Shelter210
CSAA227
Midvale Home & Auto240
The General265
Liberty Mutual269
GAINSCO276
Hallmark289
Foremost308
Bristol West357
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.

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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.[3]

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.[4]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person and $50,000 per accident
Property damage liability$25,000 per accident

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

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

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

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement coverage

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

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Towing and labor coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    Excess electronic equipment coverage

    This coverage replaces electronic equipment, tapes, records, discs, and other media a standard auto insurance policy doesn’t cover.[5]

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.[6]

Find Car Insurance in Tulsa

Rates start at $47/mo. for drivers with incidents on their records

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Cheapest car insurance for drivers with a speeding ticket: State Farm

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.

On average, Tulsa drivers with speeding tickets can expect to pay $366 per month for full coverage car insurance, and $167 for liability-only coverage. Here are the cheapest car insurance companies for Tulsa drivers with a speeding ticket.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm9350
USAA11764
Allstate13069
GEICO189100
Farmers200107
Clearcover215125
Progressive235125
Mercury238122
Safeco24497
Direct Auto247154
National General256127
Shelter307165
CSAA313149
GAINSCO359157
The General366173
Liberty Mutual384152
Bristol West484237
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: State Farm

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.

An at-fault accident pushes the average cost of car insurance in Tulsa to $367 for full coverage and $168 for liability. 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: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm9752
USAA12166
Allstate13572
GEICO196104
Farmers207110
Progressive243129
Clearcover245142
Mercury245126
Safeco253100
Direct Auto256159
National General268133
Shelter315170
CSAA330157
GAINSCO374164
The General378178
Liberty Mutual397157
Bristol West492241
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: State Farm

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.

In Tulsa, drivers with DUIs face average monthly car insurance rates of $415 for full coverage and $190 for liability-only policies.

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: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm11662
USAA14479
Allstate16085
GEICO232123
Clearcover246142
Farmers246131
Mercury262134
Safeco277110
Progressive278147
Direct Auto295183
National General313156
Shelter323174
CSAA372177
The General434205
Liberty Mutual440174
GAINSCO452198
Foremost504236
Bristol West584286
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: State Farm

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 70 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.[7]

Tulsa seniors see average car insurance rates of $177 per month for full coverage, and $81 for liability-only policies. Here are the cheapest insurers for senior drivers in Tulsa.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm5228
USAA6636
Allstate7540
GEICO10656
Farmers11159
Progressive11561
Mercury12162
Direct Auto13182
Clearcover13377
Safeco13654
Shelter14477
National General14673
CSAA16579
The General20597
Liberty Mutual20982
GAINSCO21594
Bristol West271133
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: State Farm

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, earning a good student discount, and completing a safe driving course.

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.[8]

The average cost of car insurance for Tulsa teens with their own policies is $454 per month for full coverage and $207 for minimum coverage. Here are the cheapest insurers for teenage drivers in Tulsa.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm12667
USAA15082
Allstate17894
GEICO232122
Farmers270144
Clearcover276160
Mercury295151
Safeco311123
Progressive315167
Direct Auto338210
National General373186
Shelter373201
CSAA395188
The General439207
Liberty Mutual469185
GAINSCO510223
Foremost567265
Bristol West614301
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.

Find Cheap Car Insurance in Tulsa

Unlock savings and discounts when you compare rates through Insurify

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Based on 3,806+ reviews
4.8/5
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Tulsa car insurance quotes by credit tier

Your credit history 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.

Rates by Credit Tier

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

Is car insurance more expensive in Tulsa?

Tulsa car insurance costs are higher than the national averages of $213 for full coverage and $104 for liability only. However, premiums can vary by ZIP code within the city. Different neighborhoods have different population densities, vehicle 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 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.[9]

More cities in Oklahoma

Car insurance rates in the Sooner State vary widely. Below, you can see average monthly rates in other Oklahoma cities — and how they compare to Tulsa.

CityFull CoverageLiability Only
Tulsa$241$110
Bartlesville$165$76
Lawton$206$89
Muskogee$186$82
Oklahoma City$220$111
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Tulsa car insurance FAQs

Before you select an auto insurer, you need to decide on your budget and how much coverage you need. The information below should help you navigate the process of finding affordable coverage in Tulsa, Oklahoma.

  • How much is car insurance in Tulsa?

    On average, Tulsa drivers pay $241 per month for full-coverage and $110 for liability coverage. Your specific rate will depend on your driving record, age, insurer, credit history, vehicle type, and more.

  • Which company has the cheapest car insurance in Tulsa?

    State Farm is the cheapest insurer for Tulsa drivers, with liability-only rates starting at $38 per month. USAA and Allstate are also affordable options for Tulsa residents. Their liability-only policies start at $48 and $52 per month, respectively.

  • What are the best car insurance companies in Tulsa?

    With an Insurify Quality (IQ) Score of 4.5 and solid rankings from AM Best and J.D. Power, State Farm is the best car insurance company in Tulsa. Other top insurers include USAA and Allstate.

  • What factors affect the cost of car insurance in Tulsa?

    Tulsa residents may pay a bit more for car insurance than drivers in other Oklahoma cities because they live in the second-largest city in the state. In urban areas with a greater population density, insurers often adjust rates to account for a greater likelihood of accidents and other traffic incidents. Your driving record, age, vehicle, and more also affect your rate.

  • Is Oklahoma a no-fault state?

    No. Oklahoma is an at-fault state, which means the driver that causes an accident is responsible for covering the costs of the other driver’s vehicle repairs or medical expenses.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Oklahoma Insurance Department. "How Does Credit History Affect My Insurance Premium?."
  2. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  3. NOLO. "Oklahoma Car Insurance Requirements and Laws."
  4. Oklahoma Insurance Department. "Auto Insurance: Common Myths."
  5. Oklahoma Insurance Department. "Choosing Your Automobile Insurance Policy."
  6. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  7. Insurance Institute for Highway Safety. "Fatality Facts 2021: Older People."
  8. Oklahoma State Department of Health. "Teen Driver Safety."
  9. United States Census Bureau. "Tulsa, Oklahoma."
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
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Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
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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.

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