Cheapest Auto Insurance Quotes in Tulsa, OK
State Farm has the cheapest car insurance in Tulsa, at $142 per month for full coverage, or $53 per month for a state-minimum policy.
Find Cheap Auto Insurance Quotes in Tulsa
Best cheap auto insurance in Tulsa
How we chose the top companies
Best and cheapest car insurance in Tulsa
- Cheapest full coverage: State Farm, $142/mo
- Cheapest minimum liability: State Farm, $53/mo
- Cheapest for young drivers: State Farm, $183/mo
- Cheapest after a ticket: State Farm, $151/mo
- Cheapest after an accident: Mercury, $142/mo
- Cheapest for teens after a ticket: State Farm, $198/mo
- Cheapest after a DUI: Progressive, $200/mo
- Cheapest for poor credit: Farm Bureau, $230/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm offers the best combination of affordable rates and reliable customer service in Oklahoma.
Shelter is also a good choice. It has great customer service reviews, but it tends to be more expensive than State Farm. Although Progressive has low rates, its customer service isn't as good as State Farm or Shelter's.
Cheapest auto insurance in Tulsa: State Farm
State Farm has the cheapest full coverage car insurance quotes in Tulsa.
At $142 per month , full coverage from State Farm costs $82 per month less than the Tulsa average. It's also $32 per month less than the second-cheapest option, Progressive.
Tulsa drivers with military ties can get even cheaper rates at USAA, where a full coverage policy costs just $119 per month. However, only military members, veterans and some of their family members can get car insurance from USAA.
Compare Car Insurance Rates in Tulsa
The average cost of car insurance in Tulsa is $224 per month for a full coverage policy. Tulsa has some of the highest insurance rates in the state of Oklahoma, $24 more per month than the state average.
Best cheap full coverage auto insurance in Tulsa, OK
Company | Monthly rate | |
|---|---|---|
| State Farm | $142 |
| Progressive | $174 |
| Shelter | $199 |
| Farm Bureau | $229 |
| Geico | $249 |
*USAA is only available to current and former military members and their families.
Cheapest liability-only car insurance in Tulsa: State Farm
State Farm has the cheapest minimum liability car insurance in Tulsa for most drivers.
Minimum liability insurance from State Farm costs around $53 per month, which is $28 per month less than the Tulsa average.
Cheapest auto insurance in Tulsa, OK
Company | Monthly rate |
|---|---|
| State Farm | $53 |
| Progressive | $55 |
| Shelter | $71 |
| Farm Bureau | $73 |
| Geico | $85 |
*USAA is only available to current and former military members and their families.
Compare Car Insurance Rates in Tulsa
USAA has the cheapest overall rates in Tulsa, at $36 per month. However, you can only get car insurance from USAA if you're in the military, a veteran, or your family member served in the military and had USAA insurance at some point.
Cheap insurance in Tulsa for teens: State Farm
State Farm has the most affordable rates for young drivers in Tulsa.
Minimum liability insurance from State Farm costs around $183 per month for an 18-year-old. That's $107 per month less than the Tulsa average.
State Farm also has the cheapest full coverage rates for teens. At $411 per month, full coverage from State Farm costs $309 per month less than the citywide average.
Cheapest Tulsa, OK car insurance for teens
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $183 | $411 |
| Shelter | $187 | $494 |
| Geico | $264 | $658 |
| Farm Bureau | $285 | $714 |
| Progressive | $308 | $859 |
*USAA is only available to current and former military members and their families.
Teens and young adults are more likely to get into accidents than older drivers, which makes them riskier to insure. As a result, young drivers pay more for car insurance.
If your car insurance quotes are too expensive, you can:
- Share a policy with your parents. A combined policy with your parents is typically cheaper than having separate insurance policies.
-
Look for discounts Many companies have discounts geared toward young drivers, like a good student discount.
For example, State Farm's Steer Clear program offers a discount when you take online driving classes and practice with an older driver.
- Shop for quotes from multiple companies. Although State Farm has the cheapest rates for both full and minimum coverage policies, you should reach out to multiple companies to ensure you're getting the best deal.
Cheapest Tulsa auto insurance after a speeding ticket: State Farm
State Farm has the cheapest rates in Tulsa after a speeding ticket, at $151 per month for full coverage. That's $121 per month less than the citywide average, and $77 per month less than the second-cheapest option, Progressive.
Cheapest after a speeding ticket in Tulsa
Company | Monthly rate |
|---|---|
| State Farm | $151 |
| Progressive | $228 |
| Farm Bureau | $229 |
| Shelter | $235 |
| Geico | $325 |
*USAA is only available to current and former military members and their families.
On average, a speeding ticket raises your rates by about 21% in Tulsa. That's an increase of around $48 per month for full coverage.
Cheapest insurance in Tulsa after an accident: State Farm
State Farm has the most affordable rates in Tulsa after an at-fault accident. Full coverage from State Farm costs around $142 per month after one accident, which is less than half the citywide average.
Best insurance in Tulsa, OK after an accident
Company | Monthly rate |
|---|---|
| State Farm | $142 |
| Farm Bureau | $252 |
| Shelter | $258 |
| Progressive | $289 |
| Allstate | $438 |
*USAA is only available to current and former military members and their families.
Tulsa car insurance rates go up by an average of 45% after one accident.
Don't worry about switching car insurance companies right after a crash. Your rates won't go up until your current policy renews.
Instead, wait until you get your renewal offer from your current company. This usually comes a few weeks to one month before your policy expires. Then, you should shop around for multiple quotes to make sure you're getting the best rate for you.
Cheapest insurance in Tulsa for teens with a bad record: State Farm
State Farm has the most affordable car insurance for young drivers in Tulsa with a speeding ticket or accident on their record.
After a speeding ticket, minimum liability coverage from State Farm costs $198 per month for an 18-year-old. That's $136 per month less than the Tulsa average.
State Farm charges teens around $183 per month for minimum liability coverage after an accident. That's $213 per month less than the city average, and $87 per month less than the second-cheapest company, Shelter.
Cheap insurance in Tulsa, OK for teens with a bad record
Company | Ticket | Accident |
|---|---|---|
| State Farm | $198 | $183 |
| Shelter | $227 | $270 |
| Farm Bureau | $285 | $325 |
| Geico | $311 | $428 |
| Progressive | $319 | $345 |
*USAA is only available to current and former military members and their families.
On average, car insurance rates for teens go up by 15% after one speeding ticket and 37% after an at-fault accident. That's a smaller increase than adult drivers typically see because teens are already considered high-risk, even if they have a clean driving record.
Cheapest Tulsa, OK car insurance after a DUI: Progressive
Progressive offers the lowest rates for Tulsa drivers with a DUI, at an average of $200 per month for a full coverage policy. That's $143 per month cheaper than the citywide average. It's also $94 per month less than the second-cheapest option, State Farm.
Affordable car insurance in Tulsa after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $200 |
| State Farm | $294 |
| Shelter | $296 |
| Farm Bureau | $374 |
| Allstate | $401 |
*USAA is only available to current and former military members and their families.
Tulsa drivers pay an average of 53% more for full coverage after a DUI. That's because insurance companies believe drivers with a DUI are more likely to cause an accident in the future.
Cheap insurance in Tulsa, OK for drivers with poor credit: Farm Bureau
Farm Bureau has the cheapest auto insurance rates in Tulsa if you have poor credit. At $230 per month, full coverage car insurance from Farm Bureau costs $166 per month less than the city average. However, you have to speak with an insurance agent to get a quote from Farm Bureau.
State Farm has the cheapest online quotes for Tulsa drivers with poor credit, at $250 per month.
Best car insurance quotes in Tulsa for poor credit
Company | Monthly rate |
|---|---|
| Farm Bureau | $187 |
| State Farm | $250 |
| Progressive | $258 |
| Allstate | $292 |
| Geico | $318 |
*USAA is only available to current and former military members and their families.
Car insurance quotes in Tulsa are 77% more expensive for drivers with poor credit scores. That's because insurance companies believe people with bad credit are more likely to file car insurance claims.
Average car insurance quotes Tulsa, OK by neighborhood
The Tulsa Creek neighborhood has the cheapest car insurance quotes in the city.
People living in Tulsa Creek, located southwest of the city center, pay around $202 per month for full coverage insurance.
Kendall-Whittier, Springdale and Atlanta Circle have the most expensive rates in the city, at $233 per month. That's a difference of $31 per month. You might pay more for car insurance if you live in an area with a lot of car theft, high accident rates or poorly maintained roads.
Full coverage Tulsa car insurance quotes by ZIP code
ZIP | Monthly Rate | % from average |
|---|---|---|
| 74014 | $202 | -8% |
| 74103 | $220 | 0% |
| 74104 | $221 | 1% |
| 74105 | $222 | 1% |
| 74106 | $230 | 5% |
What is the best car insurance coverage in Tulsa, OK?
Full coverage car insurance is the best choice for most Tulsa drivers.
That's because full coverage fulfills the state's minimum requirements and includes collision and comprehensive coverage.
- Collision coverage pays to fix your car if you hit an object or another vehicle, regardless of whose fault it is.
- Comprehensive coverage pays for damage outside of your control such as storms, theft and falling objects. These are known as "acts of God."
If you have a car loan or lease, your lender usually requires you to have comprehensive and collision coverage. You should also consider adding these coverages if your car is worth more than $5,000 or is less than eight years old.
Full coverage can also have higher liability limits than the state requires. This is important because the state requirement may not be enough to cover the cost of a serious accident.
For example, if you hit and total a brand new pickup truck, $25,000 of property damage liability probably won't be enough to fully replace it. You'll have to pay the difference, which could get very expensive.
Frequently asked questions
What is the best auto insurance in Tulsa, OK?
State Farm has the best car insurance for most people in Tulsa. It offers a great combination of affordable rates and dependable customer service.
How much is car insurance in Tulsa, Oklahoma?
The average price of insurance in Tulsa is $224 per month for full coverage and $81 per month for minimum liability coverage.
How much car insurance do I need in Tulsa, OK?
To meet Oklahoma's legal requirements, you'll need at least $25,000 per person in bodily injury coverage and $50,000 per accident, as well as $25,000 in property damage liability coverage.
Methodology
To find the best cheap car insurance in Tulsa, OK, ValuePenguin editors collected hundreds of rates from every ZIP code in Tulsa from the state's largest insurance companies. Rates are for a 30-year-old single man with good credit and a clean driving record who owns a 2015 Honda Civic EX.
Rates are for a full coverage policy with liability limits above the Oklahoma state requirements, as well as collision and comprehensive coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
