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Tulsa Car Insurance
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The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.
The car insurance rate in Tulsa is $1332 for a six-month policy, which is $153 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $927, making it a popular choice for budget-conscious drivers. Rates in Tulsa can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $927 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.
USAA offers auto insurance rates at $973 for a six-month policy, making it one of the cheapest to insure with.
Progressive offers auto insurance rates at $1080 for six months, making it the third cheapest auto insurance company in Tulsa.
Based on our research, the cheapest car insurance company in Tulsa, OK is Mercury, offering policies at just $927 for a six-month term. This is followed by USAA, which has an average six-month premium of $973.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1866 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Tulsa drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $927 | $156 |
| USAA | $973 | $164 |
| Progressive | $1080 | $182 |
| State Farm | $1128 | $190 |
| Shelter | $1228 | $207 |
| American Farmers & Ranchers Mutual | $1370 | $233 |
| Farm Bureau | $1443 | $241 |
| Oklahoma Farm Bureau | $1450 | $246 |
| Farmers | $1530 | $258 |
| AFR Group | $1671 | $284 |
| Allstate | $1866 | $314 |
Save up to $971/yr with our auto insurance quotes
Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Tulsa are given below.
Mercury provides the cheapest minimum car insurance coverage in Tulsa. Their Average 6 Month Premium is $162. Allstate is the most expensive at $651 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $162 | $27 |
| American Farmers & Ranchers Mutual | $181 | $31 |
| USAA | $215 | $36 |
| AFR Group | $255 | $43 |
| State Farm | $269 | $45 |
| Progressive | $276 | $46 |
| Shelter | $329 | $55 |
| Oklahoma Farm Bureau | $370 | $61 |
| Farm Bureau | $409 | $70 |
| Farmers | $605 | $102 |
| Allstate | $651 | $110 |
One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Tulsa is Mercury at $156 per month and $927 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $927 | $156 |
| USAA | $973 | $164 |
| Progressive | $1080 | $182 |
| State Farm | $1128 | $190 |
| Shelter | $1228 | $207 |
| American Farmers & Ranchers Mutual | $1370 | $233 |
| Farm Bureau | $1443 | $241 |
| Oklahoma Farm Bureau | $1450 | $246 |
| Farmers | $1530 | $258 |
| AFR Group | $1671 | $284 |
| Allstate | $1866 | $314 |
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The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.
Despite maintaining a clean driving record, your car insurance rates in Tulsa, Oklahoma, may be increasing due to several external factors. Oklahoma has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.
Additionally, Tulsa's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | USAA | $828 |
| 30s | USAA | $642 |
| 40s | USAA | $588 |
| 50s | USAA | $564 |
| 60s | USAA | $576 |
| 70s | USAA | $666 |
If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Tulsa at $42 per month. At $281 for a six-month premium, American Farmers & Ranchers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| AFR Group | $249 | $42 |
| Mercury | $255 | $43 |
| USAA | $1322 | $223 |
| State Farm | $2080 | $350 |
| Progressive | $2625 | $442 |
| Shelter | $3309 | $557 |
| Farm Bureau | $4315 | $733 |
| Oklahoma Farm Bureau | $4436 | $739 |
| Allstate | $5222 | $879 |
| Farmers | $7625 | $1284 |
| American Farmers & Ranchers | $281 | $47 |
Teen Car Insurance Rates in OK by Age
Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
For those with poor credit scores in Tulsa, Mercury is the cheapest car insurance provider. At $215 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Tulsa is State Farm, offering rates of around $3732 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $215 | $36 |
| Oklahoma Farm Bureau | $363 | $62 |
| Progressive | $1007 | $169 |
| USAA | $1295 | $220 |
| Farm Bureau | $1450 | $242 |
| Shelter | $2322 | $394 |
| Allstate | $2578 | $429 |
| Farmers | $3705 | $631 |
| State Farm | $3732 | $621 |
Save up to $971/yr on car insurance rates in Tulsa.
Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Tulsa, OK, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Tulsa include American Farmers & Ranchers Mutual and Mercury, offering $174 and $329, respectively. Farmers is an expensive provider with an average six-month premium of $2853.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Farmers & Ranchers Mutual | $174 | $29 |
| Mercury | $329 | $55 |
| AFR Group | $409 | $68 |
| State Farm | $637 | $107 |
| USAA | $745 | $125 |
| Oklahoma Farm Bureau | $966 | $163 |
| Progressive | $1067 | $180 |
| Farm Bureau | $1577 | $268 |
| Shelter | $1611 | $271 |
| Allstate | $2598 | $437 |
| Farmers | $2853 | $480 |
Here is a list of driving violations that can increase your car insurance rates in Tulsa OK. For example, the car insurance in Tulsa after a DUI increases to $712 for a six month policy. While the rate increases by $322 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1342 | $224 |
| One comp claim | $1370 | $233 |
| One Med/PIP claim | $1370 | $228 |
| Two Med/PIP claims | $1383 | $235 |
| Not-at-fault accident | $1390 | $232 |
| Two comp claims | $1397 | $237 |
| Failure to show documents | $1484 | $247 |
| Failure to wear a seat belt | $1530 | $260 |
| Child safety restraint | $1537 | $257 |
| Driving without lights | $1537 | $261 |
| Driving with expired registration | $1564 | $261 |
| Cell phone violation | $1584 | $269 |
| Driving too slowly | $1584 | $264 |
| Speeding in school zone | $1584 | $269 |
| Texting while driving | $1584 | $264 |
| Failure to yield | $1598 | $271 |
| Failure to stop at a red light | $1605 | $268 |
| Following too closely | $1611 | $273 |
| Illegal turn | $1611 | $269 |
| Wrong way/wrong lane | $1624 | $276 |
| Improper passing | $1631 | $272 |
| In 65 MPH zone | $1658 | $281 |
| Speeding 11 - 15 MPH over limit | $1664 | $278 |
| Speeding 6 - 10 MPH over limit | $1664 | $283 |
| Passing school bus | $1671 | $279 |
| Speeding 16 - 20 MPH over limit | $1671 | $284 |
| Open container | $1698 | $283 |
| Speeding 21 - 25 MPH over limit | $1712 | $292 |
| At-fault accident - less than $1000 | $1719 | $286 |
| Operating a vehicle without permission | $1813 | $308 |
| At-fault accident - $1000-$2000 | $1826 | $304 |
| At-fault accident - greater than $2000 | $1826 | $311 |
| Reckless driving | $1980 | $330 |
| Refusal to submit to a chemical test | $2027 | $345 |
| DUI | $2054 | $342 |
| Racing | $2114 | $359 |
| Driving with a suspended license | $2228 | $372 |
| Leaving scene of an accident/hit and run | $2228 | $379 |
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A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.
There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Tulsa.
The cheapest car insurance premiums in Tulsa are offered by Mercury at $302 for a six-month policy. However, it can be as expensive as $2584 with companies like Farmers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $302 | $51 |
| Progressive | $765 | $129 |
| State Farm | $966 | $163 |
| USAA | $1121 | $189 |
| Shelter | $1826 | $307 |
| Oklahoma Farm Bureau | $2215 | $370 |
| Farm Bureau | $2276 | $386 |
| Allstate | $2429 | $409 |
| Farmers | $2584 | $435 |
One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Tulsa are offered by Mercury at $235. However, it can be as expensive as $3094 with companies like Farmers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $235 | $40 |
| Oklahoma Farm Bureau | $329 | $55 |
| State Farm | $571 | $96 |
| Progressive | $799 | $134 |
| USAA | $872 | $146 |
| Shelter | $1370 | $233 |
| Farm Bureau | $1443 | $241 |
| Allstate | $1973 | $336 |
| Farmers | $3094 | $515 |
Car insurance rates in Tulsa have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Tulsa rose by $251 in December compared to $246 of November. In other words, there has been an increase by $5 when you compare December and November.
The average cost of liability insurance in the Tulsa rose to $53 in December, compared to $51 in November. This represents an increase of $2 when comparing December and November.
The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Tulsa. At $1332 for a six-month policy, insuring your car at 74119 is the cheapest in the city.
| Zip Code | Average 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| 74119 | $1332 | $224 |
| 74117 | $1332 | $224 |
| 74116 | $1332 | $224 |
| 74137 | $1412 | $238 |
| 74115 | $1398 | $236 |
| 74136 | $1425 | $240 |
| 74114 | $1372 | $231 |
| 74135 | $1385 | $233 |
| 74134 | $1372 | $231 |
| 74112 | $1385 | $233 |
| 74133 | $1478 | $249 |
| 74110 | $1372 | $231 |
| 74132 | $1358 | $229 |
| 74131 | $1332 | $224 |
| 74130 | $1332 | $224 |
| 74108 | $1345 | $227 |
| 74107 | $1385 | $233 |
| 74129 | $1385 | $233 |
| 74128 | $1372 | $231 |
| 74106 | $1385 | $233 |
| 74105 | $1412 | $238 |
| 74127 | $1372 | $231 |
| 74104 | $1358 | $229 |
| 74126 | $1358 | $229 |
| 74103 | $1332 | $224 |
| 74146 | $1372 | $231 |
| 74145 | $1385 | $233 |
| 74120 | $1345 | $227 |
How much is car insurance in Tulsa?
The car insurance in Tulsa is $27 per month, which is lower than the national average.
What is the cheapest car insurance in Tulsa?
The cheapest car insurance in Tulsa is $156 per month for full coverage.
How much is car insurance in Tulsa for teenagers?
Car insurance for teenagers costs $249 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in Tulsa?
The average cost of car insurance is $1179 for a six-month policy. It will cost around $225 per month to insure your car in Tulsa.
Is car insurance expensive in Tulsa?
Car insurance can be expensive in Tulsa if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Tulsa can be affordable.
What is the best car insurance in Tulsa, OK?
The best car insurance company in Tulsa OK is Mercury, offering $927 for a six-month policy.
Cut auto insurance costs in Tulsa right now.