Cheapest Auto Insurance Quotes in Tulsa, OK

Cheapest Auto Insurance Quotes in Tulsa, OK

Find Cheap Auto Insurance Quotes in Tulsa

Currently insured?

The average annual price of auto insurance in Tulsa, Oklahoma, is $961, or around $80 per month.

However, Farm Bureau offered a much cheaper rate of $629 per year for a minimum-coverage policy. State Farm has the cheapest full-coverage insurance at $1,748 per year.

Tulsa has the most expensive auto insurance rates in Oklahoma, but you can save money by shopping around and comparing quotes from multiple insurers.

Your driving history, location, demographic profile and insurer will all impact the cost of your premium.

Cheapest car insurance in Tulsa: Oklahoma Farm Bureau

Farm Bureau offers the cheapest auto insurance in Tulsa, with an average premium price of $629 per year. If you don't mind spending a little more, State Farm is a worthwhile alternative.

Active military members and veterans should get a quote from USAA, which has the cheapest overall premium average of $488 per year.

This graph identifies and ranks the three companies in Tulsa, Oklahoma, with the best rates for insuring our sample driver's car.

Find Cheap Auto Insurance Quotes in Tulsa

Currently insured?

The insurance policy with the lowest cost is a minimum liability policy, or the least amount of coverage required to legally drive.

If you have a new or expensive car, it's a good idea to look into extra coverage. Policies with the minimum insurance required won't reimburse you if your car is stolen, vandalized or damaged.

Rank
Insurance company
Average annual rate
1Oklahoma Farm Bureau$629
2State Farm$661
3Progressive$864
4Allstate$906
5Shelter$1,251
6Geico$1,315
7Farmers$1,578
N/A*USAA$488

*USAA is only available to current and former military members and their families.

Cheapest full-coverage insurance? State Farm

You can find the most affordable full-coverage policy in Tulsa at State Farm for $1,748, on average, per year.

Farm Bureau is more expensive, but its average premium is about $800 less than the city average.

USAA is another great option and is about $8 cheaper than Farm Bureau. However, the company has strict eligibility requirements.

Rank
Insurance company
Average annual premium
1State Farm$1,748
2Oklahoma Farm Bureau$2,160
3Allstate$2,823
4Progressive$2,872
5Shelter$3,122
6Geico$3,721
7Farmers$5,626
N/A*USAA$2,152

*USAA is only available to current and former military members and their families.

Oklahoma has the 10th-highest rates for full-coverage auto insurance in the country. The average cost of full coverage in Tulsa is three times higher than the cost of a minimum-liability policy. However, a full-coverage policy offers a distinct type of financial protection.

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 additional coverage or raise your coverage limits if your car is less than 10 years old or valued at more than $3,000.

Cheapest full-coverage policy for young people: State Farm

State Farm is the cheapest insurer for young drivers in Tulsa, with an average annual cost of $5,055.

If you are a current military member or veteran, USAA is worth looking into because of its high-quality customer service and good-grade discounts. But its premiums are $262 more expensive than State Farm's premiums.

Rank
Insurance company
Average annual rate
1State Farm$5,055
2Oklahoma Farm Bureau$6,695
3Shelter$7,944
4Allstate$9,341
5Geico$9,419
6Progressive$10,218
7Farmers$11,538
N/A*USAA$5,317

*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 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 multi-car 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 Farm Bureau and State Farm have 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 full-coverage plan for drivers with accident history

Farm Bureau and State Farm increased premium rates for their Tulsa drivers by the least amount following an accident.

Rank
Company
Car insurance quote before accident
Car insurance quote after accident
Difference
1Oklahoma Farm Bureau$2,160$2,378$218
2State Farm$1,748$2,038$290
3Allstate$2,823$3,943$1,120
4Shelter$3,122$4,921$1,799
5Progressive$2,872$4,733$1,861
6Geico$3,721$5,958$2,237
7Farmers$5,626$7,889$2,263
N/A*USAA$2,152$3,040$888

*USAA is not ranked because only military members (current and former) and their families are eligible.

Drivers with an accident history may have a difficult time shopping for cheap insurance compared to a driver with no accident on record. However, it's possible to find affordable rates if you research multiple companies.

Best insurance company service in Tulsa: Farm Bureau

The best insurer in Tulsa is one that has both affordable coverage options and top-tier service. Companies with the best customer service offer quick response times, easily accessible agents and understanding representatives.

The insurers with the best customer service, measured by frequency of customer complaints, are:

  • Oklahoma Farm Bureau
  • State Farm
  • Shelter

Customers of Farm Bureau, which also has the cheapest minimum-coverage policy option, have given positive reviews of the company's agents and claims process. Drivers have described agents as accommodating and the claims process as smooth.

Rank
Company
Market share
Complaint Index
1Oklahoma Farm Bureau3.6%0.45
2State Farm20.5%0.57
3Shelter3.1%0.61
4Allstate6.1%0.69
5Farmers9.4%0.79
6USAA5.6%0.84
7Progressive10.6%0.94
8Geico7.1%1.2
9CSAA2.8%1.36
10Liberty Mutual (Safeco)5.6%1.69

The Complaint Index is drawn from the National Association of Insurance Commissioners. The association analyzed the top 10 insurance groups in Oklahoma by market share. A lower Complaint Index indicates a lower rate of complaints for an insurer, adjusted for the size of its business. The Complaint Index was drawn for the largest individual company under an insurance group in Oklahoma, with that company noted in parentheses if its name differed from the parent.

Average cost of insurance by Tulsa ZIP code

Each neighborhood in Tulsa has a different crime rate, accident rate and population density. As a result, your estimated auto insurance quotes can vary by nearly $100 depending on where you live.

Drivers who live in Northridge, one of the most affordable neighborhoods, pay about $79 less than drivers in Midtown, which is in the heart of the city.

ZIP code
Neighborhood
Average annual auto insurance rate
74103Downtown / Brady Arts District$967
74104Cherry Street / Renaissance$965
74105Midtown$1,002
74106University Park$980
74108Tower Heights$929
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Car insurance companies in Tulsa

The 10 biggest insurers in Oklahoma comprise 70.3% of the direct premiums written in the state. Of the 10, State Farm, Progressive and Farmers write the largest number of premiums.

If you're debating whether to receive coverage from a small insurer or a larger corporation, keep the following in mind:

  • Large insurers may have more discounts and policy options than smaller insurers. They may have multiple locations for convenience and extended hours of support.
  • Small insurers are able to provide drivers with a more personalized experience compared to large companies. When filing a claim, you may find yourself talking with one agent, rather than multiple, throughout the process.
Rank
Insurers
Direct premiums written
Percentage of direct premiums
1State Farm643,96918.93%
2Progressive422,52312.42%
3Farmers311,1489.15%
4Geico244,1417.18%
5Allstate Corp.220,2466.47%
6Liberty Mutual163,9264.82%
7Farm Bureau116,3063.42%
8Shelter102,2303.00%
9Travelers87,3412.57%
10CSAA79,9562.35%
N/A*USAA187,7265.52%

*USAA is only available to current and former military members and their families.

Minimum insurance requirements in Tulsa

Tulsa insurers follow the auto insurance regulations set by the state. Oklahoma has the following coverage requirements for its drivers:

Insurance coverage
Oklahoma minimum limits
Bodily injury (BI)$25,000 per person/$50,000 per accident
Property damage (PD)$25,000per accident

While the minimum liability policy is the cheapest auto insurance option, it may not provide enough financial protection for you. Bodily injury and property damage liability both serve to protect other drivers and their property. A minimum policy will not pay for your own car if it's damaged.

Methodology

ValuePenguin analyzed data from eight companies located in Tulsa. The sample driver for our study is a 30-year-old man who owns a 2015 Honda Civic EX. Our driver also had no credit history and sought quotes for a minimum-coverage policy, unless otherwise stated.

When obtaining quotes for a full-coverage policy, the following limits were used:

Coverage type
Study limits
Bodily injury liability$50,000 per person/$100,000 per accident
Property damage$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.