Cars and Trucks

The Cheapest Auto Insurance in Tulsa, Oklahoma

Tulsa is one of the most densely populated cities in the Sooner state. It houses over 650,000 people, many of which take to the roads every day. Finding the cheapest auto insurance in Tulsa can be a breeze. Tulsa has a range of providers that give personalized quotes. Your insurance needs to handle crowds of drivers in the summer and snow-covered roadways in the winter. Tulsa saw 1500 traffic accidents in 2019, so make sure you have the state minimum liability insurance while driving through Tulsa.

Car Insurance: Tulsa Rates vs. State + National Averages

Tulsa’s average annual rates are $1313, which is $114 more than the Oklahoma average of $1299 each year and $111 cheaper than the national average of $1424 per year. Tulsa has relatively affordable rates compared to the rest of the country.

Tulsa Auto Insurance Costs by Insurer

The most significant factor in determining auto insurance rates is the company you choose to work with. Each company is different, and some handle specific scenarios better than others.

According to MoneyGeek, these are the cheapest insurance providers and their annual rates when purchasing full coverage in Tulsa:

  • GEICO: $774
  • USAA: $828
  • Farmers: $1020
  • State Farm: $1093
  • Allstate: $1178
  • Progressive: $1380
  • Mercury: $1423
  • Oklahoma Farm Bureau: $1449
  • MetLife: $2184

    Tulsa Auto Insurance Premiums by Driver Age

    50-year-olds have the least expensive auto insurance rates in Tulsa. They pay $1739 per year on average. Drivers in their 60s begin to see their rates increase, although only slightly. 60-year-olds spend an average of $1741 per year. Teenagers pay the highest rates out of any age group in Tulsa. Drivers who age out of their teens see the largest decreases in car insurance premiums. 20-year-olds pay $4663 less than their teenage counterparts.

    These are the average annual rates by age group in Tulsa per The Zebra:

    • Teens: $7325
    • 20s: $2662
    • 30s: $1961
    • 40s: $1873
    • 50s: $1739
    • 60s: $1741
    • 70s: $2075

      Tulsa Car Insurance Premiums by Gender and Marital Status

      Some insurance companies use gender and marital status to decide your premiums. Single people usually pay more than married couples. Insurers have collected data that shows married policyholders are more financially stable and file fewer claims. Married folks in Tulsa pay $166 less than single people for the same car insurance. Widows and those who are divorced also pay less than single drivers for their auto insurance in Tulsa.

      Gender is slowly being phased out of insurance companies’ questionnaires, though some still require this information to determine rates. Tulsa women pay $20 more per year for car insurance than Tulsa men do.

      These are the annual rates by gender and marital status in Tulsa:

      • Female: $2026
      • Male: $2006
      • Single: $2006
      • Married: $1840
      • Divorced: $1959
      • Widowed: $1890

        Average Tulsa Insurance Rates After a Violation or Accident

        Your driving history helps insurance companies know how risky you are to cover. Your insurance rates will be significantly affected by your past moving violations and accidents. A speeding ticket raises rates by $195 a year, a DUI or DWI increases annual rates by $911, and an at-fault accident adds $534 to your yearly car insurance bill.

        These are the best insurance providers for those with a recent speeding ticket in Tulsa:

        • USAA: $1029
        • State Farm: $1172
        • GEICO: $969
        • Farmers: $1282
        • Allstate: $1277
        • Oklahoma Farm Bureau: $1584
        • Progressive: $1991
        • Mercury: $2147
        • MetLife: $3030

          These are the best insurance providers for those with an at-fault accident in Tulsa:

          • USAA: $1189
          • State Farm: $1251
          • GEICO: $1308
          • Farmers: $1471
          • Allstate: $1434
          • Oklahoma Farm Bureau: $1584
          • Progressive: $2666
          • Mercury: $2500
          • MetLife: $2710

            These are the best insurance providers for those with a DUI in Tulsa:

            • USAA: $1461
            • State Farm: $1172
            • GEICO: $1685
            • Farmers: $1410
            • Allstate: $1457
            • Oklahoma Farm Bureau: $2292
            • Progressive: $1742
            • Mercury: $1907
            • MetLife: $4718

              Expensive Tulsa Zip Codes

              Where you live, work, and park your car affects your auto insurance rates. Areas with high crime rates or large numbers of uninsured drivers see higher rates. Policyholders who live in these zip codes are considered high-risk customers and are charged higher premiums accordingly. Going from living in zip code 74017 to 74110 will raise your annual rates by $338 or 17 percent.

              These are the most expensive zip codes for auto insurance in Tulsa:

              • 74115
              • 74120
              • 74103
              • 74106
              • 74110

                Cheaper Tulsa Zip Codes

                These are the cheapest zip codes for auto insurance in Tulsa:

                • 74017
                • 74055
                • 74063
                • 74021
                • 74070

                  Cheapest Car Insurance in Tulsa by Coverage Amount

                  In Tulsa and other Oklahoma cities, the type of coverage you choose will largely determine the monthly price of insurance. For example, a policy with only state minimum liability insurance costs an average of $643 annually. However, a full coverage policy with better liability limits, comprehensive, and collision coverage costs $1313 per year, a difference of $669.

                  Tulsa Auto Insurance Premiums by Credit Tier

                  A motorist’s credit score is a major determining factor of auto insurance costs. Drivers who increase their credit score from under 579 to over 800 save up to 53 percent on their auto insurance. Those who improve from under 579 to 580 see the largest improvement between any two credit tiers. Moving into the “Fair” credit tier from the “Very Poor” credit tier could earn you an average of $1241 a year in auto insurance discounts.

                  These are the annual rates by credit tier in Tulsa:

                  • Very Poor (300-579): $3647
                  • Fair (580-669): $2407
                  • Good (670-739): $2006
                  • Very Good (740-799): $1851
                  • Exceptional (800-850): $1716

                    List of Insurance Companies in Tulsa

                    Tulsa is home to a wide variety of amazing insurance providers, including USAA, GEICO, Allstate, Travelers, Progressive, AAA, State Farm, Safeco, Liberty Mutual, Farm Bureau Insurance of Michigan, Farmers, Nationwide, and more.

                    You need an auto insurance policy that fits your budget and your needs. Online quotes have become quick and easy. Head to your preferred insurance provider’s website or use a third-party quote generator to get your car insurance quote started today!

                    Check this out if you need additional information, resources, or guidance on car insurance.

                    Sources:

                    Car and Driver Car Insurance Hub | caranddriver.com

                    Compare the Cheapest Car Insurance Quotes in Tulsa, OK | moneygeek.com

                    Tulsa, OK Car Insurance | thezebra.com

                    Full Coverage Insurance Quotes: Everything You Need to Know | caranddriver.com

                    Everything You Need to Know About USAA Car Insurance | caranddriver.com

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