Best Auto Insurance Rates in Tulsa, Oklahoma

On average your neighbors pay $68 a month.

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Compare Auto Insurance in Tulsa

Wednesday, September 12 2018 By Aaron Besson

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.

Average Tulsa Car Insurance Rates

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.

Oklahoma Average Annual Car Insurance Rates
Coverage Rates
Liability $461.01
Collision $318.47
Comprehensive $225.84
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.

Oklahoma average car insurance rates

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.

Best Car Insurance Companies 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.

  1. State Farm
  2. GEICO
  3. Progressive
  4. Allstate
  5. USAA
  6. Farmers
  7. 21st Century
  8. Nationwide
  9. Esurance
  10. Liberty Mutual
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Top 10 Vehicles in Tulsa

These are the most popular car makes and models owned by Tulsa, OK QuoteWizard users.

  1. Chevrolet Impala
  2. Dodge Caravan SE
  3. Infiniti G35
  4. Chrysler 200 S
  5. Honda Accord EX
  6. Chevrolet Tahoe C1500
  7. Jeep Patriot
  8. Chevrolet Impala LT
  9. Chevrolet Camaro LS
  10. Mazda 3 Sport
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Tulsa, OK

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:

  • Individual Bodily Injury Liability (BIL): $25,000
    The maximum amount your insurer pays for a person injured in a car accident.
  • Total Bodily Injury Liability: $50,000
    The total amount your insurer pays for each person injured in a car accident.
  • Property Damage Liability (PDL): $25,000
    The maximum your insurer pays for property damage caused by a car accident.

Recommended Coverage Levels

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: 

  • Individual Body Injury Liability: $100,000 
  • Total Bodily Injury Liability: $300,000 
  • Property Damage Liability: $100,000 

Tulsa Drivers

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. 

Driving Conditions

Factors such as weather, road conditions, and traffic can affect your insurance rates. The riskier your driving conditions, the higher your premium can be.

Weather

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.

Road Conditions

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.

Traffic Congestion

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.

Moving Violations

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.

Traffic Tickets

Tulsa Police wrote 55,387 tickets in 2016. Too many citations lead to higher insurance rates. Tickets can cost you in time and money. Watch your speed and do what you can to avoid them.

DUI and DWAI Arrests

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.

SR-22 DUI/DWAI Insurance

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.

Car Accident Statistics

High accident rates result in higher insurance costs. 9,646 car crashes were reported in Tulsa in 2016.

Traffic Fatalities

Tulsa reported 51 fatal crashes in 2016.

Vehicle Theft Rates

Drivers in high car theft areas often pay more for car insurance. Tulsa reported 3,460 auto thefts in 2017.

Save With Car Insurance Discounts

Looking to save money on your car insurance in Tulsa? There are many discount options available to lower your premiums:

  1. Shop around and compare car insurance rates in Tulsa.
  2. If you’re 55 or over, see if a senior citizens discount is available 
  3. If you’re married, insurers often offer discounts to married couples 
  4. If you’re a safe driver with a clean record, that can add up to lower rates
  5. If you live in a safe neighborhood in Tulsa, you could save money 
  6. There are discount rates for active and retired members of the Military, National Guard, or Reserves
  7. Have more than one car? Look into a multiple car discount
  8. If you bundle your car insurance with your home or renters insurance, you can cut up to 15 percent off your total bill 
  9. Make sure your car as up-to-date safety features and anti-theft devices
  10. Take a certified defensive driving course 

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