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Danny Smith is a licensed property and casualty insurance agent who has written for Compare.com since 2024. A former insurance editor, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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The average cost of car insurance in Tulsa, Oklahoma, is $147 per month — higher than the statewide average, according to Compare.com data. Tulsa’s rates may be due to frequent hail and windstorms that can cause damage to vehicles.[1] Oklahoma’s uninsured motorist rate is also moderately high compared to other states, according to the Insurance Information Institute.[2]
Fortunately, many insurers offer rates below the Oklahoma average. For example, the cheapest auto insurers in Tulsa are State Farm, USAA, and Allstate, according to our data.
This article will cover everything you need to know to secure cheap car insurance in Tulsa, including what to look for in a company and ways to save money.
State Farm is the cheapest insurer in Tulsa, with an average rate of $33.
Tulsa drivers pay an average rate of $103 per month for liability coverage and $191 for full coverage.
Oklahoma requires drivers to have minimum liability limits of 25/50/25 to legally drive in the state.
Despite the average car insurance rates in Tulsa, you can still find various ways to save money on your policy. Plus, plenty of insurance companies offer rates below the citywide average.
If you’re not sure which insurance company is right for you, take a look at the table below. It highlights the cheapest car insurance companies in the Tulsa area, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $33 |
| USAA | $41 |
| Allstate | $45 |
| GEICO | $64 |
| Mercury | $67 |
| Farmers | $69 |
| Root | $78 |
| National General | $86 |
| Progressive | $87 |
| CSAA | $93 |
| Clearcover | $94 |
| Safeco | $95 |
| Direct Auto | $97 |
| Shelter | $97 |
| The General | $105 |
| GAINSCO | $124 |
| Bristol West | $139 |
| Foremost | $157 |
| Liberty Mutual | $209 |
State Farm is the cheapest car insurance company in Tulsa, with an average rate of $33 per month. But keep in mind that this is just an average — the cheapest insurer for you may be different based on your unique driver profile.
Next, we’ll explore the best insurance companies in Tulsa for the various kinds of drivers.
The car insurance companies in the table above are a great place to start comparing rates. But your actual rate could look different since factors like your address, driving record, age, and even credit history can affect how much you pay.
The table below highlights the cheapest car insurance company for different types of drivers and coverages, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $33 |
| Full coverage | State Farm | $70 |
| Teens | State Farm | $63 |
| Seniors | State Farm | $24 |
| Drivers with a speeding ticket | State Farm | $43 |
| Drivers with an at-fault accident | State Farm | $45 |
| Drivers with a DUI | State Farm | $55 |
| Drivers with excellent credit | State Farm | $31 |
| Drivers with poor credit | State Farm | $44 |
Below, we’ll take a more in-depth look at each coverage level and driving record.
Compare personalized quotes from Tulsa’s top insurers.
The average cost of state-minimum car insurance in Tulsa is $103 per month, according to Compare.com data. And while Oklahoma requires drivers to have only liability insurance, most experts recommend buying additional coverage since liability covers only the other driver — not your own expenses.[3]
The chart below shows the five cheapest car insurance companies in Tulsa for state-minimum coverage, according to our research.
Even though it costs a bit more, most drivers should consider full-coverage car insurance. It provides more protection since it includes state-minimum liability coverage, along with collision coverage and comprehensive insurance.
Collision pays for accidents with another car or object, while comprehensive pays for damages from non-collision events, such as vandalism, natural disasters, and theft. Keep in mind that if you lease your vehicle or have a car loan, full coverage is likely not optional for you — lenders and leasing companies usually require you to have it.
The average full-coverage rate in Tulsa is $191 per month, according to our data. But even with higher average rates, several Tulsa insurers offer full-coverage rates that are close to Tulsa’s average liability price.
The chart below highlights the five cheapest car insurance companies in Tulsa for full-coverage car insurance, according to Compare.com research.
Teen drivers have some of the most expensive car insurance rates of any age group — largely because they have less driving experience. They also have higher crash rates — teens are nearly four times as likely to get into an accident as drivers 20 and older, according to the Insurance Institute for Highway Safety (IIHS).[4]
To account for the increased risk, insurers charge teens much higher rates. The average cost of car insurance for teen drivers in Tulsa is $291 per month, according to our data. But you can still find affordable coverage if you know where to look.
The chart below is a good place to start. It highlights the five cheapest car insurance companies in Tulsa for teen drivers.
On the other hand, senior drivers pay some of the cheapest rates of any age group due to their often decades of experience behind the wheel — but only as long as you have a relatively clean driving history. Seniors present very little risk to insurers, which translates to lower premiums. But once you reach your 70s, you may see your rates increase again due to age-related concerns.
The average cost of car insurance for senior drivers in Tulsa is $111 per month, according to our data. The chart below shows the five cheapest auto insurers in Tulsa for seniors.
A speeding ticket will likely cause your insurance company to increase your rates the next time your policy renews. That’s because insurers consider you a greater risk after a speeding ticket. Our research shows that even a single speeding ticket causes average rates to increase by 29% nationwide.
Tulsa drivers with a recent ticket pay an average of $213 per month, but several insurance companies offer lower rates.
The chart below highlights the five cheapest car insurance companies in Tulsa after a speeding ticket, according to Compare.com data.
Causing a car accident typically leads to a substantial increase in your car insurance rates because it indicates to insurers that you’re more likely to file claims in the future. In fact, our research shows that a single at-fault accident causes rates to increase by an average of 33% nationwide.
Drivers in Tulsa with a recent accident pay around $220 per month, according to Compare.com data. But you may be able to find more affordable rates with one of the five insurance companies in the chart below.
Driving under the influence (DUI) causes the most drastic increase in your car insurance rates. It’s a huge red flag to insurance companies, some of which may even refuse to insure you going forward.
Our research shows that car insurance rates increase by an average of 58% nationwide after a DUI conviction. The average cost of car insurance for Tulsa drivers with a DUI is $249 per month, but you’re not necessarily stuck with these high rates.
Here are the five cheapest car insurance companies for Tulsa drivers with a DUI, according to Compare.com data.
Some insurance companies look at your credit history when determining your car insurance rates. They typically use a credit-based insurance score (not your credit score) to gauge how risky you are to insure.[5]
Our research shows that drivers with poor credit pay an average of 38% more than people with excellent credit. In Tulsa, drivers with poor credit pay a monthly average of $168 for auto insurance. But not all insurers use credit, and some offer affordable rates.
The chart below shows the five cheapest car insurance companies for drivers with poor credit in Tulsa.
Compare quotes side by side and lock in cheaper rates.
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Oklahoma, like just about every other state in the country, requires all drivers to have certain minimum limits of liability car insurance. Here’s what you’ll need before you hit the road:
$25,000 in bodily injury liability coverage per person
$50,000 in bodily injury liability coverage per accident
$25,000 in property damage liability coverage per accident
The state also requires you to have proof of insurance with you in your vehicle at all times. For further information about requirements, visit the website of the Oklahoma Insurance Department.[6]
While minimum coverage is technically enough from a legal standpoint, it’s not usually sufficient to protect most drivers. If you get into an accident, liability insurance will only cover the other driver’s damages and injuries. Your own vehicle damages and injuries will be entirely on you to pay, which can get expensive quickly.
Again, this is why many insurance experts recommend buying additional coverage above the state’s minimum limits.
Take a look at these answers to some of the most commonly asked questions about Tulsa auto insurance to ensure you get the right policy.
Car insurance in Tulsa costs an average of $147 per month, according to Compare.com data. Drivers pay an average of $103 for liability coverage and $191 for full coverage.
State Farm is the cheapest auto insurance company in Tulsa, with an average monthly rate of $33 for liability coverage, according to our research. That said, it may not be the cheapest car insurance company for you. Always compare quotes from multiple insurers before buying a policy.
How expensive your Tulsa car insurance is depends on various factors, including your driving record, age, where you park your car, and even your credit history. That said, the average driver in Tulsa pays $147 per month compared to the national average rate of($150.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Learn more about us, our team, and what makes us tick.
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Danny Smith is a licensed property and casualty insurance agent who has written for Compare.com since 2024. A former insurance editor, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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