Who Has The Cheapest Auto Insurance Quotes in Tulsa, OK?
Find the Cheapest Auto Insurance Quotes in Your Area
In Tulsey Town, car insurance is a bit pricier than in most parts of Oklahoma. We analyze 10 companies from Tulsa to see who offers the best auto insurance rates. When you're done reading, put in your zip code up top for a list of companies to start comparing quotes.
Cheapest Car Insurance Companies Tulsa, Oklahoma
In Tulsa, we found that GEICO had the lowest car insurance rates out of the 10 companies we compared quotes from. The nation's 2nd largest auto insurer quoted our sample driver an average of $1,471 per year compared to the city average of $1,942--24% cheaper. The next best insurer for affordable rates was Progressive, which was $73 more expensive per year for our sample driver.
Find the Cheapest Auto Insurance Quotes in Your Area
Our sample driver was a 30 year old single man living in Tulsa, who owned and drove a Toyota Camry. Your own premiums will be different, but you can do the same analysis we did by comparing quotes from the same companies and seeing which offers you the best savings. To start, put your zip code in one of the boxes above to be directed to several companies to start shopping.
| Rank | Auto Insurance Company | Average Annual Rate |
|---|---|---|
| 1 | GEICO | $1,471 |
| 2 | Progressive | $1,544 |
| 3 | Oklahoma Farm Bureau | $1,572 |
| 4 | State Farm | $1,596 |
| 5 | Farmers | $1,764 |
| 6 | Oklahoma Farmers Union | $1,788 |
| 7 | Allstate | $1,848 |
| 8 | Shelter | $1,932 |
| 9 | SafeAuto | $2,016 |
| 10 | MetLife | $3,888 |
Cost of Car Insurance in Tulsa: by Neighborhood
Car insurance companies will charge you differently depending on where in Tulsa you reside. We weren't surprised to see Downtown Tulsa was more expensive, considering we found more crashes to have happened there compared to other areas.
| Neighborhood | Average Annual Car Insurance Rate |
|---|---|
| East Village District | $1,831 |
| South Bolewood | $1,875 |
| Brady Arts District | $1,894 |
| North Evanston | $1,903 |
| Downtown | $1,906 |
| Lewiston Gardens | $1,914 |
Even if you live in Downtown Tulsa, to ensure you get the best price in any area, it is crucial you compare quotes from multiple auto insurance companies.
Best Auto Insurance Companies in Tulsa
Who has the best auto insurance in Tulsa? We know who has the lowest rates, but sometimes price isn't everything. At certain auto insurance companies, a higher quality of service comes at the expense of price. Below we list what we believe to be the three best car insurers in Tulsa.
- GEICO
- State Farm
- USAA
GEICO: GEICO will most likely get you the best price in T-Town (based on the good driving record of our motorist), but it also comes with a fairly well received claims handling process. J.D. Power's 2016 auto insurance study of Central States gave GEICO 4/5 stars when it came to claims handling. GEICO's customers rated the company 4/5 stars for its billing practices. It did score only two stars on the other hand for how it interacted with policyholders. GEICO generally doesn't have a strong agent network, so it make sense that interactions with multiple representatives for different problems may not always be stellar.
State Farm: State Farm on the other hand is a company with a strong agent network, and scores a perfect 5 out of 5 for its interaction with customers. State Farm was only a little over $115 more expensive than GEICO for our sample driver, so there is a decent chance depending on your background State Farm can be the most affordable company for you in Tulsa. The downsides of State Farm are the more mediocre ratings it gets for claims handling and billing practices.
USAA: We also recommend USAA - even though only military members and their relatives are allowed to have it - because the service is reported to be stellar in addition to great pricing. Not only is USAA considered a top military car insurer by us, J.D.Power gave it nearly perfect marks across all categories like claims handling, billing and customer interaction. So if you are one of the National Guardsmen stationed at one of the several bases in Tulsa, we suggest that you strongly consider getting quotes USAA in your comparisons.
Fatal Accidents in Tulsa
Tulsa had 225 fatal accidents between 2011 and 2015, putting it around the same amount as larger cities like Miami, Atlanta and Las Vegas. Overall, Tulsa accounted for 18% of all fatal car accidents in the state of Oklahoma, though it was nearly as much as Oklahoma City's 29% share.
Most Dangerous Roads in Oklahoma
| Rank | Highway | Number of Fatal Accidents (2011 - 2015) | Percent That Involve Drunk Driver |
|---|---|---|---|
| 1 | US-75 | 13 | 61.5% |
| 2 | S PEORIA AVE | 11 | 54.5% |
| 3 | US-64 | 11 | 36.3% |
| 4 | I-244 | 10 | 50% |
| 5 | I-44 | 7 | 0% |
Drunk drivers accounted for 33.3% of fatal accidents in Tulsa, though the city's major roads saw much higher percentages. Nearly two-thirds of fatal accidents on US-75, which loops around Tulsa's downtown, involved drunk drivers. S Peoria Ave, which also goes near downtown Tulsa saw a high percentage of accidents involving drunk drivers.
Minimum Car Insurance Requirements in Tulsa, Oklahoma
Oklahoma requires drivers carry a minimum car insurance consisting of [liability protection]liability protection. Essentially you are only required to carry enough insurance to be able to pay for damages you may cause to other people. Below you can see the full breakdown.
- $25,000 of Bodily Injury Liability per Person
- $50,000 of Bodily Injury Liability per Accident
- $25,000 of Property Damage Liability
We find that a policy consisting entirely of liability insurance won't be enough to properly protect most drivers--especially not in Oklahoma. According to the Insurance Information Institute, Oklahoma had the most uninsured drivers in the country, with nearly 25% of the driving population not having the mandatory car insurance. We would highly recommend every Oklahoma driver have uninsured motorist coverage, even though it will be a little bit more expensive in the Sooner State. We also always recommend drivers get collision and comprehensive insurance if their car is worth more than $3,000 or is less than 10 years old.
How We Compared Quotes
We collected quotes from different insurance companies across 55 towns and cities in the state of Oklahoma. Our sample driver was a 30 year old male who drove a Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where he lived in Tulsa and Oklahoma. The amount of coverage we opted for gave our driver bit more than what is required of state minimums.
| Coverage Type | Oklahoma Minimum | Study Limits |
|---|---|---|
| Body Liability | $25,000 per person/ $50,000 per accident | $50,000 per person/ $100,000 Per Accident |
| Property Damage | $25,000 Per Accident | $50,000 Per Accident |
| Uninsured/Underinsured Motorist BI | None | $50,000 Per Person/ $100,000 Per Accident |
| Uninsured/Underinsured Motorist PD | None | $50,000 Per Accident |
| Personal Injury Protection | None | $15,000 of Personal Injury Protection |
| Comprehensive and Collision | None | $500 Deductible |
Sources:
Fatal car accident and DUI data: FARS 2011 to 2015.
Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.