Best Cheap Auto Insurance in Tulsa, Oklahoma (2024)
State Farm offers the cheapest car insurance in Tulsa, with minimum-coverage rates starting at $35 per month.
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Written byAmy Beardsley
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated November 21, 2024
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Table of contents
Tulsa drivers pay, on average, more for car insurance than drivers in other parts of the state. Full-coverage car insurance in Tulsa averages $203 per month, while liability-only policies average $104. By comparison, the Oklahoma state-level averages are $180 and $86, respectively.
Multiple factors, including relatively high population density, high accident rates, and extreme weather contribute to T-Town's car insurance costs. But Tulsa drivers can still find cheap car insurance by comparing rates from multiple insurers. Here's what to know about auto insurance in Tulsa.
Quick Facts
State Farm, USAA, and Allstate are the cheapest car insurance providers in Tulsa.
Oklahoma insurers can consider your credit history when determining your premium.[1]
Because Oklahoma is an at-fault state, a driver that causes an accident is responsible for the costs of vehicle repairs and medical expenses of the other driver.
Best car insurance companies in Tulsa
Beyond looking for cheap rates, you should consider what type of coverage you need and what you value in an auto insurer. Your driving record, age, credit history, and vehicle type can influence what insurer offers the best coverage for you. Prioritize finding a company that aligns with your financial situation and insurance needs.
Here are three of the best insurers offering coverage in Tulsa.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $64 | $30 | Cheap rates |
| Direct Auto | 7.3 | $166 | $86 | Poor credit |
| Allstate | 8.9 | $87 | $41 | Young drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurance for cheap rates: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $35/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $72/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm offers the cheapest liability-only and full-coverage car insurance rates in Tulsa. The company also was the highest- rated insurer for the Southwest in J.D. Power's 2023 U.S. Auto Insurance Study. The largest auto insurer in the US. by market share, State Farm offers plenty of options from which to customize your policy.
Pros
Cheapest average rates in Tulsa
Five agents in Tulsa for personalized service
Strong financial strength ratings
Cons
Gap insurance not available
Fewer discounts than some other insurers
Mixed customer reviews on Better Business Bureau (BBB) and Trustpilot
Best insurance for drivers with poor credit: Direct Auto
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $99/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $191/mo |
How drivers feel about Direct Auto
Drivers appreciate the initial low rates and the roadside assistance but dislike the significant rate increases and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Ample discounts
24/7 claims support
How drivers feel about Direct Auto
Drivers appreciate the initial low rates and the roadside assistance but dislike the significant rate increases and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Ample discounts
24/7 claims support
Reviews (273)
Victor
November 4, 2024
Verified Review
Misleading Information
I was initially told that I would pay $170 per month, but I'm currently paying $209 per month.
Judith
November 1, 2024
Verified Review
I wouldn't recommend this company if you don't want to shop for insurance regularly
They started with a decent rate, then doubled it. They wanted $200 per month for a 60-year-old driver with no accidents or tickets for the minimum insurance! It's ridiculous.
Vickie
October 31, 2024
Verified Review
Don't Do It!
They will report your no-fault accident, and your insurance will go up.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Your credit score can affect how much you pay for car insurance in Tulsa. Unlike some insurers, Direct Auto sells coverage to drivers with poor or no credit. The company places less of an emphasis on credit scores than other insurers. Instead, the company prioritizes coverage for high-risk drivers and offers low down-payment options.
Pros
Affordable rates for drivers with no credit or poor credit
Savings of up to 25% possible via discounts
Many customizable policy options
Cons
Fewer discounts than some other insurers
Gap insurance not available
Rideshare coverage not available
Best insurance for young drivers: Allstate
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $47/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
4.0
Best choiceBased on 5648 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,073)
Rodney
November 20, 2024
Verified Review
Lower Insurance
The insurance is too high.
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Coverage from Allstate is a great option for young drivers in Tulsa. Teens and drivers under age 25 have many options to lower their car insurance payments. For instance, Allstate offers a smart student discount, savings on multi-vehicle family plans, and lower rates for insuring a vehicle with high safety ratings.
Pros
Many customizable policy options
teenSMART program allows teens to save
Rideshare insurance available
Cons
Additional cost for roadside assistance
Below-average customer satisfaction rating by J.D. Power
Above-average number of complaints filed with the National Association of Insurance Commissioners (NAIC)
How to get the cheapest car insurance in Tulsa
Several factors influence how much you pay for auto insurance in Tulsa, including your driving history, vehicle type, ZIP code, gender, age, and credit score. Here are some tips to help you find affordable coverage in Tulsa:
Compare quotes. You can find the best price by shopping around and comparing auto insurance rates and coverages from different companies.
Drive safely. A clean driving record demonstrates responsible driving behavior and can help you qualify for cheaper car insurance premiums.
Increase your deductible. A higher deductible means you’ll pay more if you file a claim, but it can also lower your coverage costs.
Ask about potential discounts. Insurance companies can offer a number of discounts to help you save money by being a good driver, bundling homeowners insurance and renter policies, insuring multiple vehicles, and more.
Cheapest liability-only car insurance in Tulsa: State Farm
Liability-only car insurance provides the essential coverage you need in Oklahoma and is the cheapest policy option in Tulsa. It protects you financially if you cause an accident by covering resulting damage and injury to the other driver, their passengers, or their property. However, it doesn’t provide coverage for your vehicle, so you should carefully consider your ability to cover potential out-of-pocket expenses in case of an accident.[2]
On average, Tusla drivers pay $104 per month for liability coverage, but can find the cheapest rates from State Farm for $35 per month.
Here are the cheapest liability-only coverage options available in Tulsa.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $35 |
| USAA | $43 |
| Allstate | $47 |
| Mercury | $67 |
| GEICO | $68 |
| Farmers | $72 |
| Root | $81 |
| Progressive | $83 |
| National General | $85 |
| CSAA | $89 |
| Safeco | $93 |
| Clearcover | $99 |
| Direct Auto | $99 |
| Shelter | $102 |
| The General | $114 |
| GAINSCO | $123 |
| Bristol West | $154 |
| Foremost | $159 |
| Liberty Mutual | $184 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Tulsa: State Farm
While liability-only car insurance provides minimum coverage, full-coverage car insurance offers higher levels of protection for both you and your vehicle. A full-coverage policy comes with liability, collision, and comprehensive coverage. The policy type covers damages from accidents, theft, vandalism, and natural disasters.
If you have a new or particularly valuable vehicle, you may want to purchase this policy for extra vehicle protection. Your lender may even require you to purchase this coverage if you lease or finance your vehicle.
Tusla drivers pay on average $203 per month for full coverage, but can find the cheapest rates from State Farm for $72 per month.
Here are the cheapest auto insurers for full-coverage insurance in Tulsa.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $72 |
| USAA | $90 |
| Allstate | $99 |
| GEICO | $143 |
| Farmers | $152 |
| Progressive | $154 |
| Root | $154 |
| Mercury | $159 |
| CSAA | $174 |
| National General | $182 |
| Direct Auto | $191 |
| Safeco | $193 |
| Clearcover | $200 |
| Shelter | $214 |
| The General | $244 |
| GAINSCO | $305 |
| Liberty Mutual | $323 |
| Foremost | $331 |
| Bristol West | $350 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Tulsa, Oklahoma
Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $89/mo for full coverage in Tulsa and other Oklahoma cities.
*Quotes generated for Insurify users in and around Tulsa, Oklahoma within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Tulsa, Oklahoma within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Oklahoma
Oklahoma is an at-fault state for car insurance, which means the driver who caused the accident is responsible for covering the cost of the other driver’s damage and injury following an accident.[3]
The state requires drivers to carry a minimum amount of bodily injury and property damage liability insurance, but the Oklahoma Insurance Department suggests you may need more than the minimum to fully protect you financially.
Here are the specific state minimum requirements in Oklahoma.[4]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person and $50,000 per accident |
| Property damage liability | $25,000 per accident |
For more vehicle protection, you should consider purchasing one or more of the following additional coverages:
Collision coverage
Collision insurance covers your vehicle damage following an auto accident, regardless of fault.
Comprehensive coverage
If a non-collision incident causes damage to your vehicle, comprehensive coverage kicks in. Non-collision incidents include vandalism, severe weather, fire, and more.
Uninsured/underinsured motorist coverage
Uninsured motorist coverage provides compensation for injuries sustained in accidents caused by uninsured drivers or hit-and-run incidents.
Rental reimbursement coverage
Rental reimbursement covers expenses for a rental car if your vehicle needs repairs after an accident.
Towing and labor coverage
Towing and labor coverage helps pay for towing or repair costs if your vehicle breaks down or becomes inoperable.
Medical payments coverage
Medical payments coverage pays for reasonable medical expenses for you and your passengers in the event of injury from an auto accident.
Gap coverage
Gap insurance covers the difference between your car’s actual cash value and remaining loan amount if your car is a total loss.
Excess electronic equipment coverage
This coverage replaces electronic equipment, tapes, records, discs, and other media a standard auto insurance policy doesn’t cover.[5]
Cheapest car insurance for drivers with an incident
Incidents on your driving record — such as an at-fault accident, speeding ticket, DUI, or another moving violation — can affect how much you pay for car insurance. Auto insurance companies consider a history of incidents as a sign of high-risk driving and often charge higher rates as a result.[6]
Find Car Insurance in Tulsa
Rates start at $43/mo. for drivers with incidents on their records
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding tickets indicate risk to insurers, so you may see your rates increase a bit. However, plenty of Tulsa insurance companies will still offer reasonable rates — especially if you only have one speeding ticket on your record.
On average, Tulsa drivers with speeding tickets can expect to pay $299 per month for full coverage car insurance, and $153 for liability-only coverage. Here are the cheapest car insurance companies for Tulsa drivers with a speeding ticket.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $95 | $46 |
| USAA | $120 | $57 |
| Allstate | $132 | $63 |
| GEICO | $191 | $91 |
| Farmers | $202 | $96 |
| Progressive | $204 | $110 |
| Root | $220 | $116 |
| Mercury | $227 | $96 |
| CSAA | $237 | $121 |
| National General | $244 | $114 |
| Direct Auto | $255 | $132 |
| Safeco | $261 | $126 |
| Clearcover | $269 | $133 |
| Shelter | $296 | $141 |
| The General | $332 | $155 |
| GAINSCO | $437 | $176 |
| Liberty Mutual | $463 | $264 |
| Bristol West | $470 | $207 |
| Foremost | $475 | $228 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Insurers may consider you more of a risk when you have an at-fault accident on your record because at-fault accidents indicate a greater likelihood of future claims. To compensate for this added risk, insurers typically charge higher premiums.
An at-fault accident pushes the average cost of car insurance in Tulsa to $300 for full coverage and $154 for liability. You can find the cheapest car insurance companies by comparing quotes, taking advantage of discounts, and maintaining a clean driving record moving forward. Here are the cheapest Tulsa insurers for drivers with an at-fault accident on their record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $98 | $48 |
| USAA | $124 | $59 |
| Allstate | $136 | $65 |
| GEICO | $197 | $94 |
| Farmers | $209 | $99 |
| Progressive | $213 | $115 |
| Root | $226 | $119 |
| Mercury | $234 | $99 |
| CSAA | $248 | $127 |
| National General | $250 | $117 |
| Safeco | $263 | $127 |
| Direct Auto | $268 | $139 |
| Clearcover | $296 | $146 |
| Shelter | $307 | $146 |
| The General | $342 | $160 |
| GAINSCO | $402 | $162 |
| Liberty Mutual | $473 | $269 |
| Bristol West | $481 | $212 |
| Foremost | $485 | $233 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Due to the severity of the offense, a DUI can significantly affect your insurance rates. A DUI on your record signals a higher likelihood of accidents and potential legal ramifications for insurers.
In Tulsa, drivers with DUIs face average monthly car insurance rates of $341 for full coverage and $175 for liability-only policies.
If you’re struggling to find insurance coverage after a driving under the influence conviction, you may need to contact the Oklahoma Automobile Insurance Plan at (405) 842-0844 to connect with an insurance agent that will provide you coverage. Here are the cheapest insurers in Tulsa for drivers with a past DUI conviction.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $120 | $58 |
| USAA | $150 | $72 |
| Allstate | $165 | $78 |
| Root | $229 | $121 |
| GEICO | $238 | $113 |
| Mercury | $245 | $103 |
| Farmers | $253 | $120 |
| Progressive | $256 | $138 |
| CSAA | $261 | $133 |
| Safeco | $298 | $144 |
| National General | $303 | $141 |
| Direct Auto | $318 | $165 |
| Clearcover | $333 | $165 |
| Shelter | $356 | $170 |
| The General | $406 | $190 |
| GAINSCO | $507 | $205 |
| Liberty Mutual | $537 | $306 |
| Foremost | $551 | $265 |
| Bristol West | $582 | $256 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Car insurance costs tend to follow a specific pattern as you age. Rates tend to steadily decrease around the age of 35 as you gain more experience and establish a clean driving record. However, premiums will likely increase a bit again for senior drivers age 70 and older.
Even though older drivers spend less time driving, crash rates increase significantly for drivers age 70 and older, according to the Insurance Institute for Highway Safety.[7]
Tulsa seniors see average car insurance rates of $149 per month for full coverage, and $76 for liability-only policies. Here are the cheapest insurers for senior drivers in Tulsa.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $52 | $26 |
| USAA | $68 | $32 |
| Allstate | $75 | $35 |
| Progressive | $104 | $56 |
| GEICO | $107 | $51 |
| Farmers | $112 | $53 |
| Mercury | $118 | $50 |
| Root | $122 | $64 |
| CSAA | $125 | $64 |
| National General | $131 | $61 |
| Direct Auto | $140 | $72 |
| Shelter | $146 | $69 |
| Safeco | $156 | $75 |
| Clearcover | $163 | $80 |
| The General | $186 | $87 |
| GAINSCO | $241 | $97 |
| Foremost | $249 | $120 |
| Liberty Mutual | $256 | $146 |
| Bristol West | $264 | $116 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Car insurance for teenage drivers can feel like a financial burden on many families. Premiums are often much higher for young drivers due to inexperience driving and risks around distractions and speeding. Teens can earn cheaper rates by joining their parents’ insurance policy, driving a safe vehicle, earning a good student discount, and completing a safe driving course.
The Oklahoma Graduated Driver Licensing (GDL) process — which includes a six-month supervised driving learning period — helps reduce accidents. That said, Oklahoma teens still have more accidents than any other age group, according to the Oklahoma State Department of Health.[8]
The average cost of car insurance for Tulsa teens with their own policies is $410 per month for full coverage and $210 for minimum coverage. Here are the cheapest insurers for teenage drivers in Tulsa.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $135 | $66 |
| USAA | $165 | $79 |
| Allstate | $192 | $91 |
| GEICO | $251 | $120 |
| Root | $254 | $134 |
| Farmers | $290 | $137 |
| Progressive | $295 | $159 |
| CSAA | $307 | $157 |
| Mercury | $307 | $129 |
| Direct Auto | $380 | $197 |
| National General | $388 | $181 |
| Shelter | $391 | $186 |
| Clearcover | $400 | $198 |
| Safeco | $403 | $194 |
| The General | $426 | $199 |
| GAINSCO | $575 | $232 |
| Liberty Mutual | $606 | $345 |
| Foremost | $641 | $308 |
| Bristol West | $646 | $284 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Tulsa car insurance quotes by credit tier
Your credit history can influence your insurance costs because Oklahoma insurers can consider it when determining your car insurance premiums. An excellent or good credit score can help you get a more favorable car insurance quote. Tulsa drivers with poor credit scores typically pay more for coverage.
Here are the average rates for car insurance in Tulsa by credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Tulsa?
Tulsa car insurance costs are higher than the national averages of $204 for full coverage and $104 for liability only. However, premiums can vary by ZIP code within the city. Different neighborhoods have different population densities, vehicle crime rates, and driving conditions that affect how much you pay.
Living in the second-largest city in Oklahoma, Tulsa drivers tend to pay more for coverage than drivers in other cities in the state. Tulsa has an average of 2,091 residents per square mile in the city, according to the U.S. Census Bureau. This population density can result in more traffic incidents, which may increase average rates for drivers in the city.[9]
More cities in Oklahoma
Car insurance rates in the Sooner State vary widely. Below, you can see average monthly rates in other Oklahoma cities — and how they compare to Tulsa.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Tulsa | $203 | $104 |
| Bartlesville | $137 | $74 |
| Lawton | $179 | $83 |
| Muskogee | $147 | $83 |
| Oklahoma City | $210 | $105 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Tulsa car insurance FAQs
Before you select an auto insurer, you need to decide on your budget and how much coverage you need. The information below should help you navigate the process of finding affordable coverage in Tulsa, Oklahoma.
How much is car insurance in Tulsa?
On average, Tulsa drivers pay $203 per month for full-coverage and $104 for liability coverage. Your specific rate will depend on your driving record, age, insurer, credit history, vehicle type, and more.
Which company has the cheapest car insurance in Tulsa?
State Farm is the cheapest insurer for Tulsa drivers, with liability-only rates starting at $35 per month. USAA and Allstate are also affordable options for Tulsa residents. Their liability-only policies start at $43 and $47 per month, respectively.
What are the best car insurance companies in Tulsa?
With an Insurify Quality (IQ) Score of 9.3 and solid rankings from AM Best and J.D. Power, State Farm is the best car insurance company in Tulsa. Other top insurers include USAA and Allstate.
What factors affect the cost of car insurance in Tulsa?
Tulsa residents may pay a bit more for car insurance than drivers in other Oklahoma cities because they live in the second-largest city in the state. In urban areas with a greater population density, insurers often adjust rates to account for a greater likelihood of accidents and other traffic incidents. Your driving record, age, vehicle, and more also affect your rate.
Is Oklahoma a no-fault state?
No. Oklahoma is an at-fault state, which means the driver that causes an accident is responsible for covering the costs of the other driver’s vehicle repairs or medical expenses.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Oklahoma
Sources
- Oklahoma Insurance Department. "How Does Credit History Affect My Insurance Premium?."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- NOLO. "Oklahoma Car Insurance Requirements and Laws."
- Oklahoma Insurance Department. "Auto Insurance: Common Myths."
- Oklahoma Insurance Department. "Choosing Your Automobile Insurance Policy."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Institute for Highway Safety. "Fatality Facts 2021: Older People."
- Oklahoma State Department of Health. "Teen Driver Safety."
- United States Census Bureau. "Tulsa, Oklahoma."
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Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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