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.
- Who has the cheapest auto insurance in Tulsa?
- How much are car insurance rates in Tulsa?
- Best auto insurance in Tulsa
- Compare quotes to get cheap car insurance in Tulsa
- FAQ’s & Resources about Tulsa car insurance
- Tulsa driving and traffic statistics
- Guide to car insurance (with rates) in cities of Oklahoma
Who has the cheapest auto insurance in Tulsa?
Geico has the lowest auto insurance rates 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 has the most affordable auto insurance for all three commonly chosen coverage levels.
|Company||Liability Only – State Minimum BI/PD||Liability Only – 50/100/50 BI/PD||Full 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
- 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|
|74103||Oklahoma Farm Bureau||$2,526|
|74104||Oklahoma Farm Bureau||$2,488|
|74105||Oklahoma Farm Bureau||$2,534|
|74106||Oklahoma Farm Bureau||$2,474|
|74108||Oklahoma Farm Bureau||$2,480|
|74110||Oklahoma Farm Bureau||$2,472|
|74112||Oklahoma Farm Bureau||$2,532|
|74114||Oklahoma Farm Bureau||$2,496|
|74115||Oklahoma Farm Bureau||$2,530|
|74117||Oklahoma Farm Bureau||$2,518|
|74119||Oklahoma Farm Bureau||$2,466|
|74120||Oklahoma Farm Bureau||$2,464|
|74126||Oklahoma Farm Bureau||$2,574|
|74127||Oklahoma Farm Bureau||$2,528|
|74128||Oklahoma Farm Bureau||$2,490|
|74129||Oklahoma Farm Bureau||$2,532|
|74130||Oklahoma Farm Bureau||$2,492|
|74132||Oklahoma Farm Bureau||$2,524|
|74134||Oklahoma Farm Bureau||$2,540|
|74135||Oklahoma Farm Bureau||$2,530|
|74136||Oklahoma Farm Bureau||$2,544|
|74137||Oklahoma Farm Bureau||$2,496|
|74145||Oklahoma Farm Bureau||$2,488|
|74146||Oklahoma Farm Bureau||$2,492|
|74171||Oklahoma Farm Bureau||$2,394|
|74172||Oklahoma 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 CarInsurance.com’s customer satisfaction survey of current policy holders and rate data analysis.
|Low Annual Mileage||State Farm Mutual Auto|
|Good Student||Farmers Ins Co|
|Bundle||Farmers Ins Co|
|Paid in Full||Progressive 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||$1,092||42%|
|Distracted driving ticket||$2,601||$3,242||$641||25%|
|Driving without a license or permit||$2,601||$3,234||$633||24%|
|Driving without insurance||$2,601||$2,973||$372||14%|
|DUI/DWI first offense||$2,601||$3,958||$1,357||52%|
|DUI/DWI second offense||$2,601||$6,149||$3,548||136%|
|Failure to stop||$2,601||$3,264||$663||25%|
|Failure to yield||$2,601||$3,175||$574||22%|
|Following too closely||$2,601||$3,219||$618||24%|
|Operating a vehicle in a race (highway racing)||$2,601||$4,220||$1,619||62%|
|Talking on cellphone ticket||$2,601||$3,188||$587||23%|
How much will an accident raise my insurance in Tulsa?
Another strike against a clean driving record, an accident will increase car insurance rates by 24%, on average, for drivers in Tulsa. When you file a claim for an accident that’s your fault, typically your car insurance rates will increase. However, claims under your comprehensive coverage, if you have it as it’s optional, typically won’t trigger an increase.
That’s because comprehensive claims are for damage insurers consider to be beyond your control, for instance due to hail, fire, flooding, falling objects or collisions with an animal. The table below shows how much for drivers in Tulsa can expect to pay for common car insurance claims.
|Accident||Average Rate||Rate after claim||$ Increase||% Increase|
|1 At-fault property damage accident over $2K||$2,601||$3,844||$1,243||48%|
|1 At-fault property damage accident under $2K||$2,601||$3,844||$1,243||48%|
|2 At-fault property damage accident over $2k||$2,601||$5,057||$2,456||94%|
|At-fault bodily injury accident||$2,601||$4,044||$1,443||55%|
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.