Tulsa is one of Oklahoma’s most densely-populated cities, with over 650,000 residents who fill its roads each day. Finding the right cheap auto insurance Tulsa has to offer can be a little intimidating when there are so many auto insurance companies in Tulsa to choose from.
Car insurance in Tulsa needs to be multifaceted enough to handle the crowds of summer and the snow in winter. There were also nearly 1,500 accidents in 2019 alone, so it’s important to protect yourself with the right liability coverage for your Tulsa car insurance premium.
Cheapest Car Insurance in Tulsa
Tulsa car insurance averages almost $2,785 for full coverage, while the state minimum coverage averages about $787 each year. However, your own costs may be lower or higher than those averages, depending on a variety of factors including which provider you choose.
GEICO offers the lowest rates for cheap auto insurance, with its policies averaging less than $2,000 for full coverage and under $500 for basic minimum coverage. The next cheap auto insurance company Tulsa offers is Oklahoma Farm Bureau, with Farmers close behind, each costing a few hundred dollars more for your choice of full coverage or minimum coverage.
|Provider||Full Coverage||State Minimum|
|Oklahoma Farm Bureau||$2,334||$634|
|American Farmers & Ranchers||$3,221||$838|
Cheap Car Insurance in Tulsa Township by City and Zipcode
Car insurance in Tulsa, Oklahoma is more affordable than the average state premiums of many other areas. In Oklahoma, the cheapest car insurance in Tulsa Township includes Collinsville for $665 state coverage and $2,525 full coverage, while Sand Springs, Owasso, Bixby and Jenks all average cheaper auto insurance, as well. This is compared to the average car insurance rates for a full coverage policy of $2,785 or less than $800 for your total annual premium if you opt for the state minimum coverage.
|City||State Minimum Liability Only||Full Coverage|
|Zip Code||Average Annual Premium|
Cheapest Car Insurance Rates in Tulsa With a Prior Accident
Residents have plenty of options for cheap auto insurance in Tulsa. While the average policy is $2,785 for full coverage and $787 for the state minimum, you could see those prices significantly rise should you have an accident. Just one accident could impact your premium, with most auto insurance companies in Tulsa charging significantly inflated rates when there is an accident on your record. With GEICO, it could cost you as much as 71% more for a total of $2,639, compared to an average of $1,545 with no accidents.
|Provider||1 Accident*||No Accident*||Difference|
|Oklahoma Farm Bureau||$2,404||$2,299||5%|
|American Farmers & Ranchers||$4,155||$2,799||48%|
Average Auto Insurance Premiums in Tulsa by Credit Score
Another factor that can greatly affect your auto insurance rates is your credit score. Even the cheap car insurance companies Tulsa has in town can penalize you for having bad credit because that makes you a high-risk candidate to insure. Both State Farm and Garrison will increase your car insurance premiums by almost 75% if you have bad credit, with an average annual cost of $3,849 and $4,003, respectively.
|Provider||Poor Credit||Good Credit||Difference|
|Oklahoma Farm Bureau||$2,461||$2,206||12%|
|American Farmers & Ranchers||$3,914||$2,572||52%|
Car Insurance in Tulsa
Weather is one of the common hazards that affects the price of auto insurance in Tulsa.
It rains a few inches more than the natural average, and hail and snowstorms are also common. In fact, the National Weather Service reports that Tulsa Township averages two to three hail storms every year. All of this precipitation can affect road conditions and increase driver risk. Auto insurance companies in Tulsa can protect you from these hazards by providing the right car insurance for Tulsa drivers.
Tulsa minimum insurance requirements
In every state, there is a certain amount of minimum coverage that you must carry as a licensed driver in order to legally operate a vehicle.
The minimum liability car insurance for Tulsa drivers must include these types of coverage.
- $25,000 Bodily injury per person
- $50,000 Bodily injury per accident
- $25,000 Property damage
Tulsa’s at-fault law
When it comes to financial responsibility for an accident, most states have an at-fault law or no-fault law that will establish guilt. This means that the person who causes the accident is also responsible for the damages resulting from the incident. This includes things like property damage, as well as things like medical coverage and loss of income if you can’t work because of your injuries. Claims are typically filed through the at-fault party’s insurance company.
Tulsa Car Insurance FAQs
Who has the cheapest car insurance in Tulsa?
The cheapest car insurance in Tulsa depends on things like where you live, the kind of car you drive, how much coverage you need and what kind of credit score you have. Purchasing the state minimum coverage in Tulsa is one way to keep your costs lower and more affordable.
What is the average cost for car insurance in Tulsa?
The average rate for auto insurance companies in Tulsa is $2,785 for a full coverage policy. If you decide to instead purchase the state minimum coverage, the average auto insurance policy is $787 for your total annual premium.
Car insurance profile
To select the cheapest car insurance in Tulsa we used Coverage.com’s data, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:
- $100k bodily injury liability per person
- $300k bodily injury liability coverage per crash
- $100k property damage liability coverage per crash
- $500 collision coverage deductible
- $500 comprehensive coverage deductible
Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.