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How much is car insurance in Tulsa?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Tulsa are about $9 a month more expensive than the rest of Oklahoma.
Compared to the national average cost of auto insurance coverage, Tulsa has lower rates. On average, it's about $0 less to insure your vehicle in Tulsa than it is in the rest of the U.S.
Although these are the average monthly costs for an auto insurance policy in Tulsa, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've broken down the average rates for Tulsa to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay $50 more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Tulsa may see their rates creep back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This rings true in Tulsa, where women pay around $6 less per month than men. As you can see in the chart above, car insurance for women in the area typically costs around $78 each month, while men pay $84 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Tulsa with a single accident on their record will usually see rates around $96 a month. Likewise, drivers with one ticket will be looking at a rate of around $86 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$76|
|15 Years or Older||$76|
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Tulsa, with drivers paying around $77 per month for auto insurance coverage.
Car owners, on the other hand, by and large pay around $83 a month, while SUV drivers can expect to pay about $78 per month for insurance.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is around 5 years old. The most expensive vehicles to insure in Tulsa are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$84|
On average, those who are currently married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Tulsa, with married couples paying about $16 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$127|
Your living accommodations is another factor that affects your monthly rate. In Tulsa, homeowners can expect to pay around $7 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Tulsa, OK
Recent trends in car insurance for Tulsa drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
The cost of auto insurance coverage in Tulsa decreased from 2017-2019, before leveling out in 2020. Policy premiums finished down in 2022, at $71 a month
How does Tulsa compare to neighboring areas?
Why are car insurance rates in Tulsa different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Total drivers
- Amount of off-street parking
- Road Safety (frequency of local car accidents)
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Tulsa?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Tulsa.
Tulsa Insurance FAQs
What factors affect car insurance quotes in Tulsa?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Tulsa different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Tulsa?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Tulsa?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Tulsa or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?