Here you’ll learn everything you need to know to buy the cheapest car insurance in Tulsa without sacrificing the coverage you need to be adequately protected. You’ll see which carriers are rated as the best car insurance companies by policyholders and what the average annual car insurance rates are for your neighborhood.

You’ll also discover how much you can save from knowing how to make smart choices about coverage. And, find out how auto insurance rates for Tulsa drivers are affected by tickets and accidents.

Written by:
Michelle Megna
Contributing Researcher
Michelle is a writer, editor and expert on car insurance and personal finance. She's a former editorial director. Prior to joining, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News.
Reviewed by:
Les Masterson
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Managing Editor
Les Masterson has more than 20 years of experience in journalism, editing and content creation. In his career, he has covered everything from health insurance to presidential politics.

Who has the cheapest auto insurance in Tulsa?

Geico has the lowest auto insurance rates in Tulsa, among six major carriers researched by’s team of data analysts and editors. The rates below are the average yearly cost, for a driver age 30. You’ll see that Geico has the most affordable auto insurance for all three commonly chosen coverage levels.

CompanyLiability Only – State Minimum BI/PDLiability Only – 50/100/50 BI/PDFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll
GEICO Casualty Co$276$412$1,132
American Mercury Ins Co$325$512$1,541
State Farm Mutl Automobile Ins$358$556$1,482
Progressive Northern Ins Co$404$1,163$3,089
Allstate F&C Ins Co$513$763$1,904
Shelter Mutual Ins Co$535$791$1,948
Farmers Ins Co$594$915$1,937
OK Farm Bureau Mutual Ins Co$655$953$2,870
Metropolitan P&C Ins Co$693$1,006$2,945

Here is how Geico compares to the second-cheapest car insurance company for Tulsa drivers, as well how much cheaper Geico is compared to the average car insurance rates for the city and the state:

  • State minimum: Geico is $86 cheaper per year than Progressive
  • Liability 50/100/50: Geico is $95 cheaper per year than State Farm
  • Full coverage: Geico is $223 cheaper per year than State Farm
  • Tulsa average rate for full coverage ($2,046): Geico is $563 cheaper per year
  • Oklahoma state average for full coverage ($1,815: ) Geico is $332 cheaper per year

Cheapest car insurance company near you in Tulsa, OK

Geico is the cheapest car insurance company, among those surveyed, for nearly all neighborhoods of Tulsa. It was the lowest auto insurance rates for the following neighborhoods:

  • Brady Arts District
  • Cherry Street Neighborhood
  • Brookside
  • East Tulsa
  • Riverview Historic District

Here you can see which insurance companies have the lowest rates for your neighborhood, by viewing the table below with auto insurance rates by carrier for Tulsa ZIP codes. State Farm has the lowest car insurance rates for the areas in ZIP codes 74117, the northern area of the city bordered by routes 75 and 169, and ZIP code 74128, but Geico had the lowest rates for the rest of the city.

ZIP code Company Annual Premium
74103State Farm$1,766
74103Oklahoma Farm Bureau$2,526
74104State Farm$1,751
74104Oklahoma Farm Bureau$2,488
74105State Farm$1,696
74105Oklahoma Farm Bureau$2,534
74106State Farm$1,814
74106Oklahoma Farm Bureau$2,474
74108State Farm$1,665
74108Oklahoma Farm Bureau$2,480
74110State Farm$1,897
74110Oklahoma Farm Bureau$2,472
74112State Farm$1,727
74112Oklahoma Farm Bureau$2,532
74114State Farm$1,696
74114Oklahoma Farm Bureau$2,496
74115State Farm$1,805
74115Oklahoma Farm Bureau$2,530
74117State Farm$1,631
74117Oklahoma Farm Bureau$2,518
74119State Farm$1,698
74119Oklahoma Farm Bureau$2,466
74120State Farm$1,726
74120Oklahoma Farm Bureau$2,464
74126State Farm$1,784
74126Oklahoma Farm Bureau$2,574
74127State Farm$1,762
74127Oklahoma Farm Bureau$2,528
74128State Farm$1,656
74128Oklahoma Farm Bureau$2,490
74129State Farm$1,712
74129Oklahoma Farm Bureau$2,532
74130State Farm$1,765
74130Oklahoma Farm Bureau$2,492
74132State Farm$1,542
74132Oklahoma Farm Bureau$2,524
74134State Farm$1,734
74134Oklahoma Farm Bureau$2,540
74135State Farm$1,678
74135Oklahoma Farm Bureau$2,530
74136State Farm$1,688
74136Oklahoma Farm Bureau$2,544
74137State Farm$1,635
74137Oklahoma Farm Bureau$2,496
74145State Farm$1,684
74145Oklahoma Farm Bureau$2,488
74146State Farm$1,736
74146Oklahoma Farm Bureau$2,492
74171State Farm$1,631
74171Oklahoma Farm Bureau$2,394
74172State Farm$1,473
74172Oklahoma Farm Bureau$2,394

How much are car insurance rates in Tulsa?

The average annual auto insurance cost in Tulsa is $2,046 for a full coverage policy. Here are average annual rates in Tulsa, for three common coverage levels, based on a rate analysis of six major carriers.

  • State Minimum : $551
  • Liability Only (50/100/50) : $603
  • Full Coverage (100/300/100) with $500 deductible Comprehensive/Collision : $2,046

Car insurance rates in Tulsa are a bit more expensive than in other parts of Oklahoma, and also a bit pricier than what the average driver pays nationwide. Here is how the car insurance rate in Tulsa for full coverage, on average, compares to the state and national averages:

  • Tulsa car insurance rate for full coverage is $231 more per year than the state average ($1,815).
  • Tulsa car insurance for full coverage is $288 more per year than the national average ($1,758).

Best auto insurance in Tulsa

Deciding who has the best car insurance to suit your needs depends on what is most important to you. For some it may be price, while others may value customer service the most. Still others may be looking for the convenience of mobile apps, or a company that offers the most car insurance discounts. Below we list car insurance companies in Tulsa, and who they are the best at serving, based on’s customer satisfaction survey of current policy holders and rate data analysis.

Best forCompany
ClaimsThe General
Customer ServiceAllstate
Low Annual MileageState Farm Mutual Auto
Good StudentFarmers Ins Co
BundleFarmers Ins Co
Paid in FullProgressive Northern

Compare quotes to get cheap car insurance in Tulsa

No two insurance companies will charge the same amount of money for the same policy. So if you compare car insurance quotes and opt for the lowest, you won’t over pay. You can save up to about $800 to $1,100 by comparing car insurance quotes in Tulsa, based on an analysis of car insurance quotes for six major insurance companies in each city ZIP code.

Here’s one example: The highest rate for ZIP code 71420, from Allstate, is $2,538. But if you compare insurance quotes to save in Tulsa, and choose the lowest rate, from Geico, at $1,391, you save $1,147. That’s why car insurance comparisons are paramount to finding cheap car insurance.

FAQ’s & Resources about Tulsa car insurance

How much will my insurance go up for speeding and other traffic violations in Tulsa?

A clean driving record goes a long way if you’re trying to save money on car insurance. Tulsa drivers can expect to see a hike in their rates in the range of 21% for minor moving violations such tailgating or blowing through a stop sign, it’s 29% for speeding, and up to 50% for more severe infractions such as reckless driving.

Below you’ll see how much car insurance rates increase, on average, for common traffic violations that show up in driving history. Remember, though, that because insurance companies assess risk differently, you can still save by comparison shopping, because one carrier may ding you a lot for a citation, while another may spike your rate by much less.

Violation Average rate Rate after violation $ Increase % Increase
2 speeding tickets 11 mph or over$2,601$3,693$1,09242%
Careless driving$2,601$3,912$1,31150%
Distracted driving ticket$2,601$3,242$64125%
Driving without a license or permit$2,601$3,234$63324%
Driving without insurance$2,601$2,973$37214%
DUI/DWI first offense$2,601$3,958$1,35752%
DUI/DWI second offense$2,601$6,149$3,548136%
Failure to stop$2,601$3,264$66325%
Failure to yield$2,601$3,175$57422%
Following too closely$2,601$3,219$61824%
Improper turn$2,601$3,222$62124%
Improper/illegal pass$2,601$3,220$61924%
Operating a vehicle in a race (highway racing)$2,601$4,220$1,61962%
Reckless driving$2,601$4,086$1,48557%
Seatbelt infraction$2,601$3,047$44617%
Talking on cellphone ticket$2,601$3,188$58723%
Texting ticket$2,601$3,188$58723%

How much will an accident raise my insurance in Tulsa?

Another strike against a clean driving record, an accident will increase car insurance rates by 24%, on average, for drivers in Tulsa. When you file a claim for an accident that’s your fault, typically your car insurance rates will increase. However, claims under your comprehensive coverage, if you have it as it’s optional, typically won’t trigger an increase.

That’s because comprehensive claims are for damage insurers consider to be beyond your control, for instance due to hail, fire, flooding, falling objects or collisions with an animal. The table below shows how much for drivers in Tulsa can expect to pay for common car insurance claims.

AccidentAverage RateRate after claim$ Increase% Increase
1 At-fault property damage accident over $2K$2,601$3,844$1,24348%
1 At-fault property damage accident under $2K$2,601$3,844$1,24348%
2 At-fault property damage accident over $2k$2,601$5,057$2,45694%
At-fault bodily injury accident$2,601$4,044$1,44355%

Minimum car insurance laws in Tulsa, OK

To drive legally, you must have the following minimum coverage:

  • $25,000 of bodily injury liability, per person, to pay for injuries you cause to others
  • $50,000 of bodily injury liability, per accident
  • $25,000 of property damage liability, to pay for damage you cause to other cars and property

This state required minimum coverage will not pay for damage to your car. For that you would need the optional coverages of collision, which pays to fix your car regardless of fault in the accident, and comprehensive, which covers stolen cars and repairs needed after hail, fire, flooding, animal collisions. Both come with a deductible, typically $500, and pay out only up to the actual cash value of the car. If you financed your car you will be required to get additional comprehensive and collision coverage.

Cheapest auto insurance in Tulsa: Pros and Cons

The cheapest auto insurance you can get is typically always the lowest rate you can find for state required minimum coverage liability limits.  But buying the cheapest auto insurance is not always the best choice you can make.

Senior Consumer Analyst Penny Gusner strongly recommends you buy more protection than what you need to meet state mandates for minimum coverage. Bare-bones coverage may be a good choice if you have few assets or have an old car and don’t drive much. But if you own a house and have investments, consider buying more insurance.

If you don’t, you’re at risk for having your money and home taken to cover the cost of an accident. Even a minor accident can exceed the state liability requirements, so you could wind up having to pay for damage you cause.

By increasing your coverage from state minimum to full coverage costs $1,495 more a year, on average, but that’s just $125 a month. Increasing your protection to higher liability limits is only $52 annually, or $4 a month.

Tulsa driving and traffic statistics

Travel time to work is nearly 19 minutes, based on U.S. Census data from 2014 to 2018. Tulsa ranks as the 61st most-congested city in the nation, with a cost of congestion per driver at $456, according to the 2018  Inrix Global Traffic Scorecard report.

According to National Highway Traffic Safety Administration, the Tulsa area had 66 traffic fatalities in 2018, a 7% drop from 71 in 2017.

Oklahoma ranks as the fifth on a nationwide list of states with the most distracted drivers, according to the 2017 report,  Zendrive Research: Largest Distracted Driving Behavior Study.

find out how rates for Tulsa drivers are affected by tickets and accidents.

Laura Longero

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Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

Editorial Director

John is the editorial director for, and Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like and and managing content, now at

Nupur Gambhir

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Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Michelle Megna
Contributing Researcher

Michelle is a writer, editor and expert on car insurance and personal finance. She's a former editorial director. Prior to joining, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News.