Best Auto Insurance Rates in Tulsa, Oklahoma
On average your neighbors pay $68 a month.
Compare Auto Insurance in Tulsa
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.
| 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.
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.
Top 10 Vehicles in Tulsa
These are the most popular car makes and models owned by Tulsa, OK QuoteWizard users.
- Chevrolet Impala
- Dodge Caravan SE
- Infiniti G35
- Chrysler 200 S
- Honda Accord EX
- Chevrolet Tahoe C1500
- Jeep Patriot
- Chevrolet Impala LT
- Chevrolet Camaro LS
- Mazda 3 Sport
Minimum Car Insurance Requirements in Tulsa, OK
State law requires that all drivers in Tulsa, 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 $898 a year in extra operating 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
If you have tickets and accidents on your driving record, you'll pay more for car insurance.
Traffic Tickets
The City of Tulsa Municipal Court website allows you to pay traffic citations. It also tells drivers how to contest tickets, attend driver improvement school, and has helpful traffic court information.
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.
Car Insurance Discounts
Looking to save money on your car insurance in Tulsa, OK? There are many auto insurance discount options available to lower your premiums:
- If you’re 55 or over, see if a senior citizens discount is available
- If you’re married, insurers often offer discounts to married couples
- There are discount rates for active and retired members of the Military, National Guard, or Reserves
- bundling your car insurance with your home or renters insurance can save up to 20 percent off your total bill
- Make sure your car as up-to-date safety features and anti-theft devices
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