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 is $961, or around $80 per month. The city's average full coverage car insurance premium is $3,028, or $252 each month. Tulsa has the most expensive auto insurance rates in Oklahoma, but you can still find affordable rates.

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

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For instance, rates range between $1,748 and $5,626 on a full-coverage policy, depending on the insurer. But you can save money by shopping around and comparing quotes from multiple insurers.

Cheapest car insurance in Tulsa? Oklahoma Farm Bureau

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

Current military members and veterans should get a quote from USAA, which has the cheapest overall rate at a premium average of $488.

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.

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Cheapest full-coverage insurance? State Farm

You can find the most affordable full-coverage policy in Tulsa at State Farm and Farm Bureau. Their average premiums cost about $800 less than the city average — a significant price difference.

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

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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, 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 from damage caused by a collision with an object or another vehicle. This is one of the most common ways 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 a decade 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 stored-vehicle discount. 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.

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Shopping for auto insurance is difficult as a young person. 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 the prices listed in the table above are outside of your budget, here's what you can do:

  • 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 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$217
2State Farm$1,748$2,038$290
3Allstate$2,823$3,943$1,120
4Shelter$3,122$4,921$1,800
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.

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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 is 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 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.

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Average cost of insurance, by Tulsa ZIP code

Tulsa is one of the largest cities in the country with many distinct areas. Each neighborhood 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
74110United Neighborhood of Springdale$1,007
74112North Tulsa$989
74114Maple Ridge / Mayo Meadow$984
74115North Tulsa$1,008
74117Turley$910
74119Uptown / Riverview$975
74120Central Park$968
Show All Rows
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Auto theft statistics in Oklahoma

Unfortunately for Tulsa residents, the city has the highest auto theft rate out of the four most populated cities in Oklahoma. OKC, or Oklahoma City, is the most populated city in the state but has a theft rate 19% lower than the theft rate of Tulsa.

City
Population
Car thefts
Thefts per 100,000 people
Tulsa403,1471,349334.6
Oklahoma City652,9361,763270.0
Norman124,577164131.6
Broken Arrow109,6636660.2

Motorvehicle theft data was pulled from the FBI 2019 Preliminary Semiannual Uniform Crime Report.

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Car insurance companies in Tulsa

The biggest 10 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 pros and cons in mind:

  • Large insurers usually have more discount and policy options than smaller insurers. Big companies tend to have better financial stability and can utilize resources to provide drivers with more discounts or savings.
  • Small insurers are able to provide drivers with a more personalized experience than 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.

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Minimum insurance requirement in Tulsa

Tulsa follows 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)$55,000per accident
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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 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
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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.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

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.