On average your neighbors pay $68 a month.See Your Rates
Tulsa is the second-largest city in Oklahoma. If you’re a Tulsa driver and need to get a cheaper rate for your car insurance, we can help you. This page has the Tulsa car insurance laws, companies, stats, and more.
How much is car insurance in Tulsa, OK? Average car insurance rates in Tulsa are slightly lower than the national average. The average cost of auto insurance in Oklahoma is $823.51 per year. The national average price is $889.01.
Prices may vary depending on your driving record and the number of insurance claims filed in your zip code.
|Total Cost Per Year||$823.51|
|Price Per Month||$68.62|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the change in average Oklahoma rates from 2011 to 2015, the most recent year the data is available. According to the III, Oklahoma car insurance rates increased from $716 in 2011 to $823 in 2015, a jump of $107 dollars, or 14.98 percent.
QuoteWizard helps Tulsa residents compare car insurance quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Tulsa, Oklahoma. You can save up to 40% on your premium.
Last year, 23,916 people used QuoteWizard to compare quotes from multiple companies to find the cheapest car insurance rates in Tulsa, OK.
These are the most popular car insurance companies reported by QuoteWizard users in Tulsa, Oklahoma last year. 5,414 of those drivers were uninsured when they requested a quote.
These are the most popular car makes and models owned by Tulsa, OK QuoteWizard users.
State law requires that all drivers in Tuksa, Oklahoma have liability coverage. The minimum is 25/50/25. This means your policy needs to include:
Don’t rely on just minimum coverage. While it’s cheaper in the short run, it’ll cost you after an accident. Why? It doesn’t include collision or comprehensive coverage. If your accident goes beyond the limits of your policy, the price tag could be huge.
That’s why we recommend the following coverage:
Living in an area known for bad driving will raise your rates. Our study shows that Tulsa ranks as the 69th worst driving city. This ranking is based on accidents, speeding tickets, DUIs, and citations occurring in Tulsa.
Factors such as weather, road conditions, and traffic can affect your insurance rates. The riskier your driving conditions, the higher your premium can be.
Tulsa gets humid in the summer. These humidity levels last from early June to mid-September. That warm air causes your engine to pull more oxygen in. Over time, this can put stress on your engine, leading to breakdowns or accidents.
Also, Tulsa is notorious for their tornados. That can raise rates for comprehensive coverage.
Tulsa’s streets and highways recently got a very poor grade. Driving on poorly kept roads and the damage they do to your car over time can affect your premium. Tulsa’s bad roads cost drivers an average $998 a year in extra costs.
INRIX ranks Tulsa 185th of 1,360 world cities on the list of traffic congestion. Including commuter and weekend traffic, you’re looking at only an extra 10 hours on the road over the course of the year.
Getting tickets and accidents will increase your auto insurance rates. If you’ve had many citations, you could need to buy high-risk insurance, which is quite expensive.
If you are arrested for a DUI in Tulsa, you’re looking at up to $5,000 in fines and 10 years in jail. Even if you get a light sentence, getting caught driving under the influence will hurt your rates. Our study shows that drivers pay $830 more per year for car insurance after a DUI.
Tulsa does not require you to file an SR-22 form as proof of financial responsibility. If you have moved from another state that does require an SR-22, you must keep it for the required time length.
High accident rates result in higher insurance costs. 9,646 car crashes were reported in Tulsa in 2016.
Tulsa reported 51 fatal crashes in 2016.
Drivers in high car theft areas often pay more for car insurance. Tulsa reported 3,460 auto thefts in 2017.
Looking to save money on your car insurance in Tulsa? There are many discount options available to lower your premiums:
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