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Cheap Car Insurance Tulsa City, OK

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Key takeaways

  • When people in Tulsa, OK shop around for car insurance, they save an average of $971.
  • The least expensive car insurance in Tulsa is from State Farm, which costs an average of $1416 per year for full coverage.
  • Oklahoma is a no-fault state.

How much does car insurance cost in Tulsa?

Auto insurance costs the average Tulsa driver $2019 per year. That's higher than Oklahoma's average of $1554 and the national average of $1557.

Learn how much you'll pay in Tulsa based on your credit score, gender, marital status, and other characteristics. Download Way.com, the best app for car owners. Way.com is your key to the best insurance for your car in Oklahoma to find the best coverage options for your car.

Tulsa vs Oklahoma vs National Average

Tulsa (annual) Oklahoma United States Average
$2019 $1554 $1557

Tulsa Auto Insurance Premiums by Company

Car insurance rates can be very different from one company to the next. In Tulsa, State Farm has the best prices for insurance for the average customer. Here are the best ways to get cheap car insurance in Tulsa.

Don't forget to get quotes for car insurance based on how you drive.

No one company in Tulsa has the best price for everyone. So if you just moved or want to make sure you have the best coverage, the best thing to do is compare quotes from different companies. Sound like a drag? The Way.com app can do it in seconds, saving you time and money while getting you the best coverage possible.

No matter which company you choose, you must meet the minimum legal requirements for auto insurance in your state. This usually means buying individual liability insurance, but you may also need uninsured motorist coverage, medical payments coverage, or personal injury protection.

Company Average Annual Rate
State Farm $1416
Progressive $1911
Oklahoma Farm Bureau $1986
Farmers $1998

Tulsa Auto Insurance Premiums by Age group

Insurance companies make assumptions about young people, costing you hundreds of dollars a year.

Insurance companies use age as a way to measure the risk of a person. Providers think that young drivers don't have as much experience and are more likely to file claims, which costs them money. Because of this, rates tend to go up for anyone under 25.

You probably already know that turning 25 won't magically make you a better driver. On the contrary, you might be the most careful driver you know. But insurance companies won't care and will still charge you a high rate.

Finding good auto insurance in Tulsa is only the first step.

Drivers in their 60s pay an average of $1761 for car insurance in Tulsa, which is the least of any age group. Rates for drivers in their 30s in Tulsa are also fairly low, at $1986 per year.

Age tier Average Yearly Rate
20s $2682
30s $1986
60s $1761

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Tulsa Auto Insurance Premiums by Marital status

In some situations, a driver's marital status will affect how much they pay for car insurance. For example, data shows that single drivers are more likely to file claims, so they usually pay more than married drivers. In Tulsa, married people pay $153 less for car insurance than single people.

The rates for widows are also much lower than those for single people. In Tulsa, it's interesting that drivers who have lost a spouse pay less than single drivers.

Marital Status Average Annual Rate
Single $1860
Married $1707
Divorced $1980
Widowed $1899

Tulsa Auto Insurance Premiums by Gender

Gender is another thing that can affect how much you pay for car insurance. For example, in Tulsa, car insurance for women costs $15 more per year than it does for men.

Gender Average Annual Rate
Female $2034
Male $2019

Tulsa Auto Insurance Premiums by Driving Record

One of the best ways to keep your car insurance costs low is to stay a safe driver. Unfortunately, car insurance rates go up because of accidents where the driver was at fault, DWIs, reckless driving tickets, and speeding tickets. Insurance companies give low rates to drivers who pose less risk.

If a Tulsa driver is caught driving recklessly, their car insurance goes up by $1149 per year, which is more than the average rate for the city. The average rate increase from a ticket for speeding is $489, while the average rate increase from a DUI is $918.

Incident/Violation Average Yearly Rate
DUI/DWI $2937
Reckless Driving $3168
At-fault Accident $3141
Speeding Ticket $2508

No matter why you got a ticket, even small traffic offenses can significantly affect your insurance rate, especially if you get more than one. And if you get a major ticket (like a DUI), your insurance company might call you a "high-risk driver." Worst of all, that label can sometimes stick with you for years, even if you've changed your ways and are now a good driver.

Even if your driving record isn't great (like, really bad), you can still get the policy you need by adjusting your rates and coverage.

Tulsa Auto Insurance Premiums by Credit Rating

There is a strong link between a driver's credit score and how much they pay for car insurance. When it goes from "Very Poor" (300-579) to "Exceptional" (800-850), drivers in Tulsa can save up to 53% on their car insurance rates. Getting your credit score from "Very Poor" to "Fair" is a big step toward saving money on auto insurance. In Tulsa, if you get your credit score to "Fair," your annual insurance costs could go down by $1227.

Credit Score Average Yearly Rate
Very Poor $3663
Fair $2427
Good $2019
Very Good $1887
Exceptional $1731

Tulsa Auto Insurance Premiums by ZIP Code

Now, we've been talking about "drivers in Tulsa" as if everyone has the same rates, but in reality, your rate can change based on your zip code. This means that your neighbor two blocks away could have a different rate than you.

Why? The simple answer is the rates of accidents and crimes against property. Maybe your zip code puts you near a busy road with a lot of accidents, or maybe you live in a place where cars are often stolen. On average, car insurance rates will be lower in Tulsa neighborhoods with low traffic, accidents, and claims than in neighborhoods with more traffic, accidents, and claims.

In Tulsa, drivers in zip codes 74110, 74120, 74145, 74108, and 74127 usually pay the most for car insurance, while those in 74114, 74115, 74131, 74112, and 74116 pay the least.

ZIP code Average cost
74103 $2,242
74104 $2,183
74105 $2,229
74106 $2,372
74107 $2,206
74108 $2,137
74110 $2,338
74112 $2,238
74114 $2,188
74115 $2,284
74117 $2,199
74119 $2,238
74120 $2,255
74126 $2,225
74127 $2,170
74128 $2,247
74129 $2,266
74132 $2,130
74133 $2,264
74134 $2,117
74135 $2,241
74136 $2,219
74137 $2,213
74145 $2,173
74146 $2,259
74171 $2,296
74172 $2,305

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What would increase your car insurance rate in Tulsa?

Let's look at what makes car insurance so expensive in Tulsa. Let's face it: if you live in Tulsa, you must pay more than average for insurance. Considering that the cost of living is already high, saving money on insurance is a great way to free up money in your budget.

  • Liability coverage: Liability coverage is the minimum required by law. It pays for other driver's repairs and medical bills if you cause an accident.
  • Comprehensive insurance: It pays for repairs to your car that aren't caused by a crash (e.g., vandalism, natural disasters, or theft)
  • Collision insurance: It pays for the costs of fixing your car after it hits another car or a fixed object.

Car insurance rates in the same state can vary greatly depending on your zip code. Also, depending on the population density, average age, and the number of accidents in your city, car insurance rates may be much higher or lower than in a nearby city.

Auto theft statistics in Tulsa

Tulsa is one of the top 10 cities in the U.S. with the most car thefts. From January 1, 2022, to May 2022, more than 1000 cars were stolen in Tulsa. But this year, fewer cars are being stolen than last. About 300 fewer cars have been stolen than at the same time last year.

Between January 1 and May 11 of, 2021, 1,425 cars were stolen. From January 1 to May of this year, there have been 1,109. That's 22% less than before. Still, it's a big deal.

Accidents Statistics in Tulsa

Local accident statistics show about 100 deaths per 100,000 people in Tulsa annually. Accidents like this are not covered by insurance, so drive carefully. About 8.48% of Tulsa drivers have been in an accident, which has caused the average rate to go up by 23%.

Auto insurance in Tulsa

In Oklahoma, drivers need bodily injury liability coverage of $25,000 per person and $50,000 per accident. They also need property damage liability coverage of $25,000 per accident. In addition, they must also have coverage for personal injury protection (PIP).

Oklahoma is a no-fault state. This means that nobody is "at-fault" when an accident happens. Instead, drivers must carry personal injury protection (PIP) insurance to cover themselves in case of an accident.

But those are just the bare bones of what you must do to avoid breaking the law. If you get into an accident, the state minimum insurance might not cover all of your costs. This is especially true if you or anyone else in your car gets hurt or if your car gets a lot of damage.

That's why most experts say you should have more insurance than the minimum required by law. As we've already said, a "full coverage" policy usually includes liability coverage, collision coverage, comprehensive coverage, and coverage for uninsured or underinsured drivers.

You can also look into special add-ons that fit your situation, vehicle, and other needs. For example, do you drive a lot on lonely back roads? Coverage for towing and labor could help you get out of a jam. Use a ridesharing service? Make sure you buy ridesharing insurance. You can even get special insurance for your car's sound system if it's high-end.

Whether you stick to your state's minimum liability requirements or choose a full-coverage policy with comprehensive and collision insurance, your home state greatly impacts how much you pay to protect your wallet against car-related costs.

Because of state requirements and risk assessments, your rate could differ not only from state to state or city to city but also from block to block. With so many things to consider, it can be hard to find the best coverage. That's why Way.com is here: to make it easier to compare car insurance by getting quotes from over 200 of the best insurance companies.

Tips for Driving in Tulsa

The weather comes first. Every year, it rains about 90 days in Tulsa, for a total of 39 days "measures. In the winter, there will be 9 "snowed a few inches. Way.com's research shows that heavy rain causes more fatal car accidents than snow, so be careful when driving in bad weather and buy a good collision coverage policy.

The average one-way commute in Tulsa takes 18.4 minutes, which is shorter than the national average of 26.4 minutes. Nevertheless, it came in at #225 on the list of the most crowded cities in the United States. In 2021, traffic jams cost the average Tulsa driver 4 hours.

Driving Conditions

Wet brakes, slick roads, and less visibility are all things that come with bad weather.

That's not even the worst part. Every year, the weather causes more than 700,000 car accidents. Tulsa has about 90 rainy days a year, and it rains about 39 inches. Thunderstorms and tornadoes are also known to happen in Tulsa.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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.com

FAQs

How much is car insurance in Tulsa?

Auto insurance costs the average Tulsa driver $2019 per year. That's higher than Oklahoma's average of $1554 and the national average of $1557.

How can I get cheap car insurance rates in Tulsa?

Insurance companies set their rates differently, so get quotes from more than one company to find the best deal.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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