Cheapest Auto Insurance in Tulsa, Oklahoma (2022)

Progressive has the cheapest car insurance in Tulsa at $132 a month for full coverage.

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Progressive offers the cheapest car insurance for most drivers in Tulsa, Oklahoma, charging an average rate of $50 a month for state-minimum coverage. Progressive’s average monthly rate for full-coverage car insurance is $132.

If you’re a current or former member of the military, or an eligible relative, you may get even cheaper car insurance in Tulsa from USAA. USAA’s average rate for minimum coverage is $48 a month, while its average rate for full coverage is $106 a month.

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Cheapest car insurance in Tulsa

Progressive is the cheapest car insurance company in Tulsa for most drivers who only want the minimum amount of coverage the state requires, with an average rate of $50 a month.

USAA’s average rate for minimum-coverage car insurance in Tulsa is even cheaper, at $48 a month, but not everyone qualifies.

Cheapest car insurance companies in Tulsa
Company Annual rate Monthly rate
USAA $580 $48
Progressive $603 $50
Oklahoma Farm Bureau $834 $69
State Farm $895 $75
Allstate $986 $82
Shelter $1,318 $110
Farmers $1,331 $111
GEICO $1,552 $129
City average $1,012 $84
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Minimum car insurance includes just bodily injury and property damage liability coverage in Tulsa and elsewhere in Oklahoma.

Cheapest full-coverage car insurance in Tulsa

For the cheapest full-coverage auto insurance in Tulsa, compare quotes from Progressive and USAA, if you’re eligible.

Although USAA has the cheapest car insurance rates in Tulsa for full-coverage policies at $106 a month, on average, only members of the military and certain relatives qualify.

Progressive offers the cheapest car insurance to most Tulsa drivers who want full coverage, with an average rate of $132 a month.

Cheapest full-coverage car insurance companies in Tulsa
Company Annual rate Monthly rate
USAA $1,267 $106
Progressive $1,584 $132
Allstate $1,772 $148
Oklahoma Farm Bureau $1,797 $150
State Farm $1,889 $157
Farmers $2,297 $191
Shelter $2,471 $206
GEICO $3,350 $279
City average $2,053 $171
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Full-coverage car insurance includes liability, collision and comprehensive coverages. Oklahoma state law doesn’t require full-coverage car insurance, but you might need to buy it anyway if you financed or leased your vehicle. Even if it’s not required, consider getting a full-coverage policy if your vehicle is new or expensive.

Cheapest car insurance for drivers with a DUI in Tulsa

Progressive is your best option for cheap car insurance in Tulsa if you have a DUI on your driving record, with an average rate of $148 a month.

Cheapest car insurance for drivers after a DUI
Company Annual rate Monthly rate
Progressive $1,780 $148
USAA $2,338 $195
Allstate $2,355 $196
Oklahoma Farm Bureau $2,913 $243
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Drivers with DUIs on their records pay more for car insurance than drivers with clean records do. In Tulsa, drivers with a DUI pay $92 a month more for car insurance than do drivers with clean records, according to our research.

If you have a DUI on your record and you want to save money on car insurance in Tulsa, shop around and compare quotes from several companies — starting with the ones included in the table above. All offer rates that are cheaper than the state average.

Cheapest car insurance for drivers with tickets or accidents in Tulsa

Oklahoma Farm Bureau offers the cheapest car insurance in Tulsa for most drivers with an accident on their records at an average rate of $165 a month. USAA also offers cheap car insurance to Tulsa drivers after an accident, with an average rate of $155 a month, but you need to be affiliated with the military to buy a policy from this provider.

Cheapest car insurance for drivers with an accident
Company Annual rate Monthly rate
USAA $1,866 $155
Oklahoma Farm Bureau $1,975 $165
Allstate $2,504 $209
State Farm $2,509 $209
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Oklahoma Farm Bureau is the cheapest car insurance company for most Tulsa drivers with a speeding ticket on their records, too, at an average rate of $150 a month. If you’re eligible, USAA might offer you an even cheaper car insurance rate after a speeding ticket, with an average of $133 a month.

Cheapest car insurance for drivers with a speeding ticket
Company Annual rate Monthly rate
USAA $1,600 $133
Oklahoma Farm Bureau $1,797 $150
Allstate $1,978 $165
Progressive $2,038 $170
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Having tickets or accidents on your driving record can cause your car insurance premium to go up for several years. Don’t wait for your premium to go down on its own; compare rates from several companies now and save money on your policy today.

Get cheap car insurance in Tulsa

Cheapest car insurance for teen drivers in Tulsa

For cheap teen car insurance in Tulsa, go to Oklahoma Farm Bureau, which has the lowest rates of the state’s top insurance providers.

Oklahoma Farm Bureau offers teens in Tulsa an average rate of $224 a month for minimum-coverage car insurance. This is the cheapest rate of all the car insurance providers we surveyed except USAA.

USAA’s average rate for Tulsa teens who want a minimum-coverage policy is $123 a month, but only current and former military as well as certain family members can take advantage of that low rate.

Cheapest minimum-coverage car insurance for teens in Tulsa
Company Annual rate Monthly rate
USAA $1,475 $123
Oklahoma Farm Bureau $2,685 $224
Allstate $2,904 $242
State Farm $3,146 $262
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

USAA and Oklahoma Farm Bureau have the cheapest car insurance rates for Tulsa teens looking for full-coverage policies, too. USAA’s average rate is $272 a month, while Oklahoma Farm Bureau’s is $463.

If you can’t buy coverage from USAA, get and compare car insurance quotes from Allstate as well as Oklahoma Farm Bureau. Allstate’s average full-coverage rate for teen drivers in Tulsa is $495 a month — only $30 a month more than Oklahoma Farm Bureau’s average.

Cheapest full-coverage car insurance for teens in Tulsa
Company Annual rate Monthly rate
USAA $3,269 $272
Oklahoma Farm Bureau $5,561 $463
Allstate $5,936 $495
State Farm $6,634 $553
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

What you pay for car insurance depends on numerous factors. Your age is only one of them. Others include the kind of vehicle you drive and where you live. Car insurance companies don’t weigh these rate factors equally. This is why it’s important to get quotes from several companies and compare them before settling on the one that best suits your needs.

Cheapest car insurance for senior drivers in Tulsa

Progressive has the cheapest car insurance in Tulsa for senior drivers, with an average rate of $46 a month for minimum coverage and $106 a month for full coverage.

Oklahoma Farm Bureau also offers cheap car insurance to seniors in Tulsa, with average rates of $64 a month and $132 a month for minimum and full coverage, respectively.

Cheapest minimum-coverage car insurance for seniors in Tulsa
Company Annual rate Monthly rate
Progressive $558 $46
USAA $614 $51
Oklahoma Farm Bureau $767 $64
State Farm $862 $72
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

If you’re eligible, USAA is a good option for affordable car insurance in Tulsa, too. It offers an average rate of $51 a month for minimum coverage and $106 a month for full coverage to the city’s 60-year-old drivers.

Cheapest full-coverage car insurance for seniors in Tulsa
Company Annual rate Monthly rate
Progressive $1,267 $106
USAA $1,272 $106
Oklahoma Farm Bureau $1,589 $132
State Farm $1,738 $145
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Seniors usually pay lower car insurance rates than younger drivers do because of their experience behind the wheel. Remember, though, that what you pay for car insurance is based on more than just your age. If you have speeding tickets, accidents or DUIs on your driving record, you’ll pay more for car insurance than you would if you had a clean driving record.

Find cheap car insurance in Tulsa regardless of your age

Tulsa car insurance requirements

Oklahoma law requires Tulsa drivers to carry 25/50/25 liability car insurance coverage at a minimum. This means all auto policies must include at least:

  • $25,000 of bodily injury liability (BIL) coverage per person
  • $50,000 of BIL coverage per accident
  • $25,000 of property damage (PDL) liability coverage per accident

Frequently asked questions about car insurance in Tulsa

How much is car insurance in Tulsa?

The average cost of car insurance in Tulsa is $84 a month for a minimum-coverage policy and $171 a month for a full-coverage policy.

How much car insurance do I need in Tulsa?

To drive legally in Tulsa, your car insurance policy must have at least $25,000 of BIL coverage per person and $50,000 per accident, and $25,000 of PDL coverage per accident.

How can I get cheap car insurance in Tulsa?

The best companies for cheap car insurance in Tulsa are Progressive and USAA, based on our survey of the city’s top car insurance providers. To get car insurance from USAA, though, you need to be current or former military or an eligible family member.

Methodology

We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Tulsa ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.

Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Oklahoma’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $100,000 property damage liability coverage
  • $500 deductibles for both collision and comprehensive coverage

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