Citizens of Tulsa, the inaugural Oil Capital of the World, have a common requirement—they must all possess car insurance for legal driving.
Whether you’re exploring Route 66 or heading to the Bob Dylan Center, having car insurance offers financial reassurance in case of an accident.
NerdWallet has gathered the mean car insurance rates in Tulsa to assist you in your search for car insurance.
Consider these averages as a starting point, as car insurance rates vary significantly for each driver.
Ensure you compare quotes from a minimum of three insurance companies to guarantee you secure the most economical rate.
Most Affordable Auto Insurance Providers in Tulsa
The primary factor influencing your insurance expenses is the choice of the insurance company.
Hence, it’s crucial to explore various options to ensure you secure the most favorable rate.
In Tulsa, the following are the most economical car insurance companies, determined by average rates for a 35-year-old driver with good credit and a clean driving history, as per NerdWallet’s latest analysis.
Keep in mind that rates are personalized, so these might not necessarily be the most cost-effective choices for your specific situation.
| Company | Rate | NerdWallet Rating |
|---|---|---|
| American Farmers & Ranchers | $1,988 | Not yet rated |
| Geico | $2,226 | 5.0 |
| Mercury | $2,296 | 4.0 |
| State Farm | $2,306 | 5.0 |
| Shelter | $2,437 | 4.0 |
| Oklahoma Farm Bureau | $2,758 | Not yet rated |
| Progressive | $3,236 | 4.5 |
| Farmers | $4,641 | 4.5 |
| Allstate | $4,887 | 4.5 |
Note: The rates are based on average costs for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis.
Ratings are subject to change, and it’s advisable to compare quotes and consider individual factors for accurate assessments.
Average Auto Insurance Costs in Tulsa and Oklahoma
Insurance rates in Oklahoma can vary from those in Tulsa due to several factors.
The frequency of accidents, the nature of the roads, and even the prevailing weather conditions can impact the rates imposed on drivers.
As per NerdWallet’s latest analysis, the average insurance rate in Oklahoma stands at $2,261, while in Tulsa, it amounts to $2,325.
| Average City Rate | Average State Rate |
|---|---|
| $2,325 | $2,261 |
Regardless of your current auto insurance provider, it’s crucial to shop around and compare quotes from multiple companies.
Prices and offerings are subject to change, and you might find potential savings by switching to another insurer
Average Car Insurance Costs in Tulsa’s Major ZIP Codes
The expense of auto insurance is subject to variation based on your location, even within different neighborhoods of the same city
. Certain areas may exhibit higher rates of accidents or theft, leading to an upward adjustment in your insurance premiums
. As per NerdWallet’s analysis, the following are the most populous ZIP codes in Tulsa, along with the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.
| ZIP Code | Average Rate |
|---|---|
| 74133 | $2,342 |
| 74136 | $2,392 |
| 74137 | $2,303 |
| 74105 | $2,323 |
| 74115 | $2,538 |
| 74134 | $2,255 |
| 74112 | $2,403 |
| 74135 | $2,306 |
| 74107 | $2,307 |
| 74129 | $2,470 |
Ensure to explore potential discounts as well. Many insurers provide car insurance discounts for actions such as bundling other insurance types with your auto policy or maintaining a claim-free record over several years.
Affordable Auto Insurance in Tulsa Across Different Age Groups
In addition to your location, your age is a significant determinant in your car insurance premiums.
Younger drivers generally incur higher costs compared to their older counterparts with similar driving histories and credit scores, primarily due to their limited experience on the road.
As you age, you may find that the most cost-effective insurance company for you evolves.
The following outlines the pricing breakdown for comparable drivers at various ages in Tulsa, based on NerdWallet’s latest analysis.
Cheapest for 20-year-olds
While 20-year-old drivers are still relatively new to the road, they face higher insurance costs due to a higher likelihood of accidents among younger drivers
. According to NerdWallet’s recent analysis, here are the average rates for 20-year-olds in Tulsa:
| Company | Rate | NerdWallet Rating |
|---|---|---|
| American Farmers & Ranchers | $2,778 | Not yet rated |
| Geico | $4,191 | 5.0 |
| Mercury | $4,482 | 4.0 |
| State Farm | $5,003 | 5.0 |
| Oklahoma Farm Bureau | $5,748 | Not yet rated |
| Shelter | $5,793 | 4.0 |
| Progressive | $5,912 | 4.5 |
| Farmers | $8,119 | 4.5 |
| Allstate | $8,664 | 4.5 |
Cheapest for 35-year-olds
At 35, car insurance rates should stabilize.
This age marks an opportune time to compare rates, as the insurer that was the most economical in your 20s may not remain the best option.
Here’s what 35-year-old drivers might pay, on average, in Tulsa:
| Company | Rate | NerdWallet Rating |
|---|---|---|
| American Farmers & Ranchers | $1,988 | Not yet rated |
| Geico | $2,226 | 5.0 |
| Mercury | $2,296 | 4.0 |
| State Farm | $2,306 | 5.0 |
| Shelter | $2,437 | 4.0 |
| Oklahoma Farm Bureau | $2,758 | Not yet rated |
| Progressive | $3,236 | 4.5 |
| Farmers | $4,641 | 4.5 |
| Allstate | $4,887 | 4.5 |
Cheapest for 60-year-olds
By the age of 60, car insurance rates typically reach their lowest point if your driving history is clean.
Drivers in this age group usually have extensive road experience and established driving records, leading to lower premiums.
While savings are still possible through bundling and other discounts, it’s advisable to continue exploring options.
The following are the most economical companies, on average, in Tulsa, according to NerdWallet’s latest analysis:
| Company | Rate | NerdWallet Rating |
|---|---|---|
| Mercury | $1,694 | 4.0 |
| American Farmers & Ranchers | $1,960 | Not yet rated |
| Shelter | $2,023 | 4.0 |
| State Farm | $2,078 | 5.0 |
| Geico | $2,225 | 5.0 |
| Oklahoma Farm Bureau | $2,441 | Not yet rated |
| Progressive | $2,629 | 4.5 |
| Farmers | $3,835 | 4.5 |
| Allstate | $4,499 | 4.5 |
Note: These rates are averages and can vary based on individual circumstances. It is recommended to compare quotes from multiple insurers for the most accurate assessment.
Tulsa’s Most Affordable Companies and Rates Based on Driving Record
Your driving history significantly influences your auto insurance premium.
Generally, drivers with clean records tend to pay lower rates compared to those with accidents, speeding tickets, or other violations.
Once again, the key to securing the most economical rate is to compare insurance companies.
According to NerdWallet’s analysis, the following outlines the average rates in Tulsa by company for both drivers with clean records and those with violations on their driving history.
Good Drivers
Drivers without any incidents on their records typically enjoy the lowest prices for auto insurance, as they are perceived as posing lower risks for filing claims.
Insurers determine rates based on the potential risk associated with a driver, and those with clean records are considered among the least risky.
Here are the average rates for good drivers in Tulsa, based on NerdWallet’s most recent analysis.
| Company | Rate | NerdWallet Rating |
|---|---|---|
| American Farmers & Ranchers | $1,988 | Not yet rated |
| Geico | $2,226 | 5.0 |
| Mercury | $2,296 | 4.0 |
| State Farm | $2,306 | 5.0 |
| Shelter | $2,437 | 4.0 |
| Oklahoma Farm Bureau | $2,758 | Not yet rated |
| Progressive | $3,236 | 4.5 |
| Farmers | $4,641 | 4.5 |
| Allstate | $4,887 | 4.5 |
Please note that the rates and ratings provided are based on NerdWallet’s most recent analysis and may be subject to change.
It is advisable to compare quotes and consider individual factors for accurate assessments.
Drivers with a DUI
Drivers with a DUI often encounter challenges in finding affordable insurance and may need to consider high-risk car insurance providers.
Having a DUI on your record typically results in significantly higher insurance costs compared to drivers without such incidents.
Here are the average rates for drivers with a DUI in Tulsa, based on NerdWallet’s most recent analysis:
| Company | Rate | NerdWallet Rating |
|---|---|---|
| Mercury | $3,071 | 4.0 |
| State Farm | $3,189 | 5.0 |
| Shelter | $3,618 | 4.0 |
| Progressive | $3,710 | 4.5 |
| American Farmers & Ranchers | $4,315 | Not yet rated |
| Oklahoma Farm Bureau | $4,442 | Not yet rated |
| Geico | $5,584 | 5.0 |
| Allstate | $6,083 | 4.5 |
| Farmers | $7,691 | 4.5 |
Drivers with an At-Fault Accident
For drivers with an at-fault accident on their record, insurance costs tend to be higher than those with a clean record but typically lower than individuals with a DUI.
Insurance companies may inquire about the accident details to determine the rate, with minor incidents often treated differently from more serious accidents, such as running a red light.
Here are the cheapest average rates for drivers with an at-fault accident in Tulsa, according to NerdWallet’s most recent analysis:
| Company | Rate | NerdWallet Rating |
|---|---|---|
| American Farmers & Ranchers | $1,988 | Not yet rated |
| State Farm | $2,842 | 5.0 |
| Oklahoma Farm Bureau | $3,028 | Not yet rated |
| Shelter | $3,189 | 4.0 |
| Geico | $3,488 | 5.0 |
| Mercury | $3,985 | 4.0 |
| Progressive | $4,621 | 4.5 |
| Allstate | $6,332 | 4.5 |
| Farmers | $6,864 | 4.5 |
Please note that these rates and ratings are subject to change, and it is advisable to compare quotes for accurate assessments based on individual circumstances.
How to Obtain and Sustain Affordable Car Insurance
in Tulsa For cost-conscious drivers, obtaining the most budget-friendly rates is a primary concern, but the longevity of these rates can be equally crucial for financial well-being.
The following tips can aid you in both securing and retaining the cheapest car insurance in Tulsa:
Compare Multiple Providers:
Insurance companies employ unique algorithms to determine car insurance premiums. Consequently, quotes for the same coverage may vary across different providers.
Comparing quotes from various carriers allows you to identify the insurer offering the most economical rates tailored to your circumstances and personal rating factors.
Maintain a Spotless Driving Record:
Drivers with clean records typically receive the most favorable rate quotes.
A clean driving history not only secures lower rates but may also make you eligible for additional savings, such as discounts for safe driving practices or an accident-free discount.
Also read: Cheap Car Insurance Toledo Ohio
Frequently Asked Questions About Cheap Auto Insurance Tulsa Ok
Which car insurance company is the best?
Determining the best car insurance company depends on your specific needs as a driver.
By identifying your priorities, whether it’s low rates, advanced digital tools, or substantial discounts, and comparing quotes from carriers that align with your criteria, you can pinpoint the best car insurance company in Oklahoma for your individual requirements.
What is the average cost of car insurance in Tulsa?
The average cost of car insurance in Tulsa is approximately $2,152 annually for full coverage, equivalent to around $180 per month.
For minimum coverage, the average is $479 per year. Your precise rates may vary based on personal factors such as your driving history, credit score, ZIP code, age, gender, and vehicle type.
To find the most economical auto insurance in Tulsa, consider exploring options with Geico, Farmers, and USAA.
How can I reduce my car insurance rates in Tulsa?
One effective strategy to find affordable car insurance in Tulsa is to shop around and obtain quotes from multiple providers.
Additional ways to potentially lower your rates include improving your credit score, maintaining safe driving habits, and participating in a telematics program.
What car insurance is mandatory in Tulsa?
In Tulsa, Oklahoma, the state requires drivers to have a minimum of $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability per accident.
While uninsured motorist coverage and underinsured motorist coverage are not obligatory, drivers must formally opt out in writing.
Note: These represent the state’s minimum insurance requirements; experts often recommend opting for higher coverage limits.
Methodology:
Bankrate uses Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers across all 50 states and Washington, D.C. Rates are weighted based on population density in each geographic region.
Quoted rates are derived from a profile of a 40-year-old male and female driver with a clean driving record, good credit, and specified full coverage limits.
Minimum coverage limits are determined based on each state’s requirements.
The base profile drivers own a 2021 Toyota Camry, commute five days a week, and drive 12,000 miles annually.