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Here you’ll learn everything you need to know to buy the cheapest car insurance policy 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 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 rates for Tulsa drivers are affected by tickets and accidents.

Key Highlights
  • Average rates for three coverage levels so you can compare costs for different levels of protection
  • Average rates by company, so you can see the cheapest car insurance carriers for Tulsa
  • Average rates for Tulsa ZIP codes so can see how much car insurance costs near you
  • Average increase to rates for accidents, tickets
  • Best Tulsa car insurance companies based on customer satisfaction survey

Who has the cheapest auto insurance in Tulsa?

Geico has the cheapest auto insurance in Tulsa, among six major carriers researched by CarInsurance.com’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 is the cheapest 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 Cas Co$378$432$1,483
Progressive Northern Ins Co$464$539$1,893
State Farm Mut Auto Ins Co$471$527$1,706
Oklahoma Farm Bureau Mut Ins Co$627$666$2,500
Farmers Ins Co Inc$683$710$2,264
Allstate Fire & Cas Ins Co$685$744$2,429

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 rate for the city and the state:

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

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 rate for the following neighborhoods:

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

Here you can see which insurance companies are cheapest for your neighborhood, by viewing the table below with rates by carrier for Tulsa ZIP codes. State Farm was the cheapest 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 codeCompanyAnnual Premium
74103Geico$1,391
74103State Farm$1,766
74103Progressive$2,228
74103Farmers$2,255
74103Allstate$2,449
74103Oklahoma Farm Bureau$2,526
74104Geico$1,391
74104State Farm$1,751
74104Progressive$1,863
74104Farmers$2,379
74104Allstate$2,426
74104Oklahoma Farm Bureau$2,488
74105Geico$1,391
74105State Farm$1,696
74105Progressive$1,764
74105Farmers$2,318
74105Allstate$2,494
74105Oklahoma Farm Bureau$2,534
74106Geico$1,718
74106State Farm$1,814
74106Progressive$1,973
74106Farmers$2,292
74106Oklahoma Farm Bureau$2,474
74106Allstate$2,538
74108Geico$1,299
74108State Farm$1,665
74108Progressive$1,908
74108Allstate$2,242
74108Farmers$2,335
74108Oklahoma Farm Bureau$2,480
74110Geico$1,718
74110State Farm$1,897
74110Progressive$1,997
74110Farmers$2,254
74110Oklahoma Farm Bureau$2,472
74110Allstate$2,538
74112Geico$1,391
74112State Farm$1,727
74112Progressive$1,753
74112Farmers$2,362
74112Allstate$2,426
74112Oklahoma Farm Bureau$2,532
74114Geico$1,391
74114State Farm$1,696
74114Progressive$1,776
74114Farmers$2,244
74114Oklahoma Farm Bureau$2,496
74114Allstate$2,538
74115Geico$1,718
74115State Farm$1,805
74115Progressive$1,957
74115Farmers$2,334
74115Allstate$2,426
74115Oklahoma Farm Bureau$2,530
74117State Farm$1,631
74117Geico$1,718
74117Progressive$1,991
74117Farmers$2,174
74117Allstate$2,251
74117Oklahoma Farm Bureau$2,518
74119Geico$1,391
74119State Farm$1,698
74119Progressive$1,957
74119Farmers$2,344
74119Allstate$2,389
74119Oklahoma Farm Bureau$2,466
74120Geico$1,391
74120State Farm$1,726
74120Progressive$1,981
74120Farmers$2,245
74120Oklahoma Farm Bureau$2,464
74120Allstate$2,538
74126Geico$1,718
74126Progressive$1,774
74126State Farm$1,784
74126Allstate$2,251
74126Farmers$2,271
74126Oklahoma Farm Bureau$2,574
74127Geico$1,718
74127State Farm$1,762
74127Progressive$1,844
74127Allstate$2,211
74127Farmers$2,296
74127Oklahoma Farm Bureau$2,528
74128State Farm$1,656
74128Geico$1,718
74128Progressive$1,839
74128Allstate$2,286
74128Farmers$2,306
74128Oklahoma Farm Bureau$2,490
74129Geico$1,391
74129State Farm$1,712
74129Progressive$1,818
74129Farmers$2,281
74129Oklahoma Farm Bureau$2,532
74129Allstate$2,538
74130Geico$1,718
74130State Farm$1,765
74130Progressive$1,844
74130Farmers$2,168
74130Allstate$2,405
74130Oklahoma Farm Bureau$2,492
74132Geico$1,391
74132State Farm$1,542
74132Progressive$1,703
74132Farmers$2,271
74132Allstate$2,367
74132Oklahoma Farm Bureau$2,524
74134Geico$1,391
74134State Farm$1,734
74134Progressive$1,749
74134Farmers$2,335
74134Allstate$2,538
74134Oklahoma Farm Bureau$2,540
74135Geico$1,391
74135State Farm$1,678
74135Progressive$1,886
74135Farmers$2,164
74135Oklahoma Farm Bureau$2,530
74135Allstate$2,538
74136Geico$1,356
74136State Farm$1,688
74136Progressive$1,795
74136Farmers$2,152
74136Allstate$2,449
74136Oklahoma Farm Bureau$2,544
74137Geico$1,356
74137State Farm$1,635
74137Progressive$1,971
74137Farmers$2,255
74137Allstate$2,329
74137Oklahoma Farm Bureau$2,496
74145Geico$1,356
74145State Farm$1,684
74145Progressive$1,892
74145Farmers$2,207
74145Oklahoma Farm Bureau$2,488
74145Allstate$2,538
74146Geico$1,391
74146State Farm$1,736
74146Progressive$1,922
74146Farmers$2,314
74146Oklahoma Farm Bureau$2,492
74146Allstate$2,538
74171Geico$1,356
74171State Farm$1,631
74171Progressive$1,805
74171Farmers$2,151
74171Oklahoma Farm Bureau$2,394
74171Allstate$2,449
74172Geico$1,391
74172State Farm$1,473
74172Farmers$2,151
74172Progressive$2,229
74172Oklahoma Farm Bureau$2,394
74172Allstate$2,449

How much are car insurance rates in Tulsa?

On average, auto insurance cost in Tulsa is $2,046 for a full coverage policy per year. Here are average yearly 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 than the state average ($1,815).
  • Tulsa car insurance for full coverage is $288 more 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 CarInsurance.com’s customer satisfaction survey of current policy holders and rate data analysis.

Best forCompany
ClaimsThe General
Value/PriceGeico
Customer ServiceAllstate
Websites/AppsAllstate
RecommendAllstate
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

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 rates increase, on average, for common traffic violations. 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.

ViolationAverage rateRate after violation$ Increase% Increase
DUI/DWI third offense$1,541$4,375$2,834184%
DUI/DWI second offense$1,541$3,240$1,699110%
2 speeding tickets 11 mph or over$1,541$2,416$87557%
Reckless driving$1,541$2,331$79051%
Operating a vehicle in a race (highway racing)$1,541$2,309$76850%
DUI/DWI first offense$1,541$2,237$69645%
Distracted driving ticket$1,541$1,922$38125%
Careless driving$1,541$1,922$38125%
Improper turn$1,541$1,872$33121%
Following too closely$1,541$1,869$32821%
Failure to yield$1,541$1,869$32821%
Failure to stop$1,541$1,869$32821%
Improper/illegal pass$1,541$1,861$32021%
Texting ticket$1,541$1,825$28418%
Talking on cellphone ticket$1,541$1,825$28418%
Seatbelt infraction$1,541$1,639$986%
Driving without insurance$1,541$1,614$735%
Driving without a license or permit$1,541$1,614$735%

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
2 At-fault property damage accident over $2k$1,541$3,440$1,899123%
At-fault bodily injury accident$1,541$1,915$37424%
1 At-fault property damage accident under $2K$1,541$1,915$37424%
1 At-fault property damage accident over $2K$1,541$1,915$37424%

Minimum car insurance laws in Tulsa, OK

To drive legally, you must have the following 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.

The cheapest auto insurance you can get is typically always the lowest rate you can find for state required minimum 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 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.

auto
Get quick car insurance estimates in Tulsa, OK
Enter a valid zip

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