The Cheapest Car Insurance in Tulsa

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. 

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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
GEICO	$1,910	$495
Oklahoma Farm Bureau	$2,334	$634
Farmers	$2,343	$675
Allstate	$1,953	$685
USAA	$2,746	$744
Equity Insurance	$3,605	$747
Progressive	$2,931	$822
American Farmers & Ranchers	$3,221	$838
State Farm	$2,942	$859
Shelter Mutual	$4,140	$1,386

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
Collinsville	$665	$2,525
Sand Springs	$679	$2,621
Owasso	$704	$2,575
Bixby	$746	$2,661
Jenks	$750	$2,682
Glenpool	$753	$2,709
Broken Arrow	$768	$2,694
Tulsa	$812	$2,849

Zip Codes

Zip Code	Average Annual Premium
74008	$1,693
74011	$1,706
74012	$1,729
74021	$1,590
74033	$1,720
74037	$1,710
74055	$1,634
74063	$1,645
74104	$1,773
74105	$1,792
74106	$1,858
74107	$1,791
74110	$1,928
74112	$1,790
74114	$1,759
74115	$1,897
74127	$1,783
74128	$1,820
74129	$1,840
74133	$1,797
74134	$1,749
74135	$1,795
74136	$1,791
74137	$1,774
74145	$1,813
74146	$1,835

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
Allstate	$2,250	$1,804	25%
Oklahoma Farm Bureau	$2,404	$2,299	5%
GEICO	$2,639	$1,545	71%
Farmers	$2,656	$2,187	21%
State Farm	$2,972	$2,918	2%
USAA	$3,029	$2,400	26%
Equity Insurance	$3,671	$3,573	3%
Progressive	$3,705	$2,602	42%
American Farmers & Ranchers	$4,155	$2,799	48%
Shelter Mutual	$4,787	$3,978	20%

*Full Coverage

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
GEICO	$2,293	$1,527	50%
Allstate	$2,316	$1,589	46%
Oklahoma Farm Bureau	$2,461	$2,206	12%
Farmers	$2,846	$1,840	55%
USAA	$3,358	$2,400	40%
Equity Insurance	$3,605	$3,605	0%
Progressive	$3,622	$2,334	55%
State Farm	$3,849	$2,220	73%
American Farmers & Ranchers	$3,914	$2,572	52%
Garrison	$4,003	$2,307	74%
Shelter Mutual	$4,839	$3,674	32%

*Full Coverage

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.