Cheapest Auto Insurance Quotes in Tulsa, OK
Cheapest Auto Insurance Quotes in Tulsa, OK
Find Cheap Auto Insurance Quotes in Tulsa
State Farm has the cheapest rates for car insurance in Tulsa, Oklahoma, at $34 per month for a state-minimum policy, or $90 per month for full coverage.
Cheapest auto insurance in Tulsa: State Farm
State Farm offers the cheapest auto insurance rate in Tulsa for most drivers, with an average price of $34 per month for minimum coverage.
That's 46% cheaper than the city average overall of $63 per month.
Active military members and veterans should get a quote from USAA, which has the cheapest overall rate of $26 per month.
Compare Car Insurance Rates in Tulsa
Cheapest Tulsa car insurance companies
Company | Monthly rate | |
|---|---|---|
| State Farm | $34 |
| Progressive | $43 |
| Farm Bureau | $57 |
| Geico | $76 |
| Allstate | $77 |
USAA is only available to current and former military members and their families.
A minimum-coverage policy provides the lowest legal limit required by Oklahoma state law. These policies offer the cheapest car insurance you can buy in Oklahoma, but they might not cover everything you have to pay after a car crash.
Drivers with a minimum-liability policy will only be covered for damage and injury they cause to others up to the chosen limits. If you're responsible for more damage than that, you will have to pay for that, plus any damage to your own car.
Cheapest full-coverage car insurance in Tulsa: State Farm
State Farm offers the cheapest full-coverage policies in Tulsa, with an average rate of $90 per month.
Progressive has the second-cheapest rates, but they're still 69% more expensive than State Farm's rates. Drivers with military backgrounds can save a little off State Farm's rates with USAA and get strong customer service.
The average full-coverage car insurance policy in Tulsa costs around $181 per month, or $2,176 per year. Tulsa has some of the highest insurance rates in the state of Oklahoma, $18 more per month than average.
Cheapest car insurance for full coverage
Company | Monthly rate |
|---|---|
| State Farm | $90 |
| Progressive | $152 |
| Farm Bureau | $186 |
| Allstate | $200 |
| Geico | $216 |
USAA is only available to current and former military members and their families.
A full-coverage insurance plan fulfills the state's minimum requirements and includes collision and comprehensive coverage.
- Collision coverage financially protects you if you hit an object or another vehicle. This is one of the most common ways car accidents happen.
- Comprehensive coverage financially protects you from circumstances out of your control such as storms, theft and falling objects. These are known as "acts of God."
We suggest you get more coverage or raise your coverage limits if your car is less than 10 years old or valued at more than $3,000.
Cheap Tulsa car insurance for drivers with prior incidents
State Farm has the cheapest car insurance in Tulsa for drivers with accidents or tickets on their records. Farm Bureau has the most affordable rates for drivers with poor credit.
Drivers with a history of accidents or traffic citations almost always pay higher auto insurance rates, making it even more important to shop around for the best prices.
Compare Car Insurance Rates in Tulsa
Cheapest car insurance for drivers with a speeding ticket: State Farm
State Farm has the cheapest rates in Tulsa after a speeding ticket, at $95 per month for full coverage. On average, a speeding ticket raises your rates by about 24% in Tulsa.
Company | Monthly rate |
|---|---|
| State Farm | $95 |
| Farm Bureau | $186 |
| Progressive | $194 |
| Allstate | $224 |
| Geico | $283 |
Cheapest car insurance quotes if you have an accident history: State Farm
State Farm has Tulsa's lowest full-coverage rates for drivers following an at-fault accident. State Farm's average rate is $102 per month, which is 62% cheaper than the city average.
Oklahoma insurance companies charge 50% more on average for a driver with an accident compared to a driver with a clean record.
Cheapest Tulsa car insurance after an accident
Company | Monthly rate |
|---|---|
| State Farm | $102 |
| Farm Bureau | $205 |
| Progressive | $247 |
| Allstate | $280 |
| Shelter | $385 |
State Farm’s low rates for drivers with accidents and speeding tickets shouldn't prevent you from shopping around for free car insurance quotes. The cheapest company for you may be different depending on factors like your driving record, age and location.
Cheapest car insurance for drivers with a DUI: State Farm
State Farm offers the best rates for Tulsa drivers with a DUI, with an average quote of $95 per month for a full-coverage policy. The next-cheapest company is Progressive, but it is considerably more expensive, $75 more per month than State Farm.
Tulsa drivers pay an average of 46% more for full coverage after a DUI. Insurance companies typically charge high rates to drivers with DUI convictions because they are considered higher-risk.
Cheapest Tulsa car insurance companies for a DUI
Company | Monthly rate |
|---|---|
| State Farm | $95 |
| Progressive | $170 |
| Allstate | $266 |
| Farm Bureau | $302 |
| Shelter | $356 |
Cheapest company for Tulsa drivers with poor credit: Farm Bureau
Farm Bureau has the cheapest full-coverage auto insurance rates if you have poor credit. The company's average quote of just $187 per month is at least 25% cheaper than any other company.
Drivers with poor credit scores are not worse drivers, but insurance companies have found they're more likely to make insurance claims. As a result, those drivers are usually charged more for coverage.
Cheapest Tulsa car insurance for poor credit
Company | Monthly rate |
|---|---|
| Farm Bureau | $187 |
| State Farm | $250 |
| Progressive | $258 |
| Allstate | $292 |
| Geico | $318 |
Cheapest Tulsa car insurance for teen drivers: State Farm
State Farm offers the cheapest minimum-coverage car insurance for 18-year-old drivers in Tulsa, with an average rate of $117 per month. The company is also the cheapest for full-coverage policies, at $262 per month.
Drivers in their teens or 20s are more likely to take risks behind the wheel than drivers in their 30s or 40s. This means younger drivers usually have to pay considerably more for coverage. In Tulsa, the average cost of minimum-coverage insurance for an 18-year-old is more than three times as expensive as the insurance rate for a 30-year-old driver.
Cheapest Tulsa car insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $117 | $262 |
| Farm Bureau | $222 | $575 |
| Shelter | $222 | $525 |
| Progressive | $230 | $707 |
| Geico | $231 | $568 |
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 quotes are outside of your budget, you can:
- Consider a combined insurance policy with your parents. Middle-aged adults are considered a less-risky investment for insurance companies. Getting a combined or multicar policy with your parents is typically cheaper than having separate insurance policies.
- Look on your insurer's website for its discount offerings. Many insurers, especially large ones, give steep discounts to their drivers. You may already qualify for some. Big insurers, like Geico, even offer discounts if you receive outstanding grades in school.
- Gather and compare quotes from multiple insurers. Although State Farm has the cheapest rates for both full-coverage and minimum-coverage policies, you should reach out to as many insurers as possible to ensure you're getting the best deal.
Cheapest car insurance quotes for married drivers: State Farm
State Farm has the cheapest rates for married drivers who want full coverage in Tulsa, despite not offering a discount for married drivers. Progressive charges 26% less if you're married.
Married drivers often get a small discount on their insurance quotes. On average, married drivers in Tulsa save 4% on the cost of car insurance.
Company | Monthly rate |
|---|---|
| State Farm | $90 |
| Progressive | $113 |
| Farm Bureau | $186 |
| Shelter | $189 |
| Allstate | $195 |
Best auto insurance companies in Tulsa
Shelter is Tulsa's top-rated insurance company because of its low customer complaint numbers and strong rating from ValuePenguin's editors.
Other top-rated companies in Tulsa, Oklahoma, include USAA, State Farm and Farm Bureau. State Farm has the cheapest widely available rates you'll find and a variety of insurance options. USAA is even cheaper than State Farm and provides excellent customer service, but it is only available to current and former military members and their families.
Best Tulsa car insurance
Company |
Editor's rating
|
|---|---|
| Shelter | |
| USAA | |
| State Farm | |
| Farm Bureau | |
| Geico |
Average car insurance cost in Tulsa by neighborhood
The cheapest car insurance rates in Tulsa are in the ZIP code 74131, an area southwest of the city center, at $168 per month for full coverage.
The most expensive rates are in 74115, an area northeast of downtown, near the airport. Rates there are 14% higher than in the cheapest ZIP code.
Where you live is a major contributor to the cost of your car insurance. For example, you might pay more for car insurance if you live in an area with a lot of car theft.
ZIP code | Neighborhood | Monthly cost | Percentage difference from average |
|---|---|---|---|
| 74014 | Broken Arrow | $168 | -7% |
| 74103 | Downtown/Brady Arts District | $182 | 0% |
| 74104 | Cherry Street/Renaissance | $182 | 1% |
| 74105 | Midtown | $184 | 1% |
| 74106 | University Park | $190 | 5% |
Frequently asked questions
What is the cheapest car insurance company in Tulsa?
State Farm has the cheapest auto insurance rates for drivers in Tulsa, with an average rate of $34 per month for state-minimum coverage.
How much is car insurance in Tulsa?
The average price of insurance in Tulsa is $63 per month, or $760 per year, for minimum coverage. You'll pay $181 per month, or $2,176, for full-coverage car insurance, on average.
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
ValuePenguin collected hundreds of rates from every ZIP code in Tulsa from the state's largest insurance companies. Rates are quotes for a 30-year-old man with good credit and a 2015 Honda Civic EX.
Unless otherwise noted, rates are for a full-coverage policy with bodily injury liability limits above the state requirements, as well as collision and comprehensive coverage.
Coverage type | Study limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$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 insurer 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.