Average car insurance cost in Tulsa
The average cost of full coverage car insurance in Tulsa is $2,997 per year, or about $250 per month. This rate is based on 100/300/100 liability limits and $500 deductibles. State minimum insurance averages $623 annually but offers substantially less coverage.
The required state minimum liability limits are 25/50/25. A minimum-coverage policy pays for injuries or property damage you cause to others, up to the policy limits. It does not include comprehensive or collision insurance for damage to your own car.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.
| Average 6 month premium | $1,499 |
| Average annual premium | $2,997 |
| State minimum premium | $623 |
Cheapest car insurance companies in Tulsa
GEICO is the cheapest car insurance company in Tulsa, with an average full coverage rate of $2,269 per year. Progressive is the second-cheapest insurer in our comparison. Because each company calculates risk differently, comparing quotes for the same coverage can help you find a lower rate.
Car insurance prices differ based on where you live, your driving history, coverage limits, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.
Below are the companies that offer cheap car insurance to drivers in Tulsa.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $1,135 | $2,269 |
| Progressive | $1,183 | $2,365 |
| Shelter Insurance | $1,432 | $2,865 |
| AFR Insurance | $1,534 | $3,068 |
| Mercury Insurance | $1,586 | $3,173 |
| State Farm | $1,616 | $3,233 |
| Farmers | $1,656 | $3,313 |
| Allstate | $1,864 | $3,727 |
| Oklahoma Farm Bureau | $2,036 | $4,073 |
| USAA | $864 | $1,729 |
Cheapest car insurance cost in Tulsa by age group
The cheapest car insurance company in Tulsa varies by age because insurers price policies in part based on driving experience and expected claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. risk. AFR Insurance is cheapest for teens, GEICO for young adults, GEICO for adults, and Progressive for seniors in our rate analysis.
Take a look at the cheapest companies in Tulsa by age group:
- Cheapest for teens: AFR Insurance
- Cheapest for young adults: GEICO
- Cheapest for adults: GEICO
- Cheapest for seniors: Progressive
Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. AFR Insurance offers the cheapest car insurance for teens at $5,669 per year.
GEICO offers the most affordable auto insurance for young adults at $3,302 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.
Adult drivers pay the lowest car insurance premiums because they have more driving experience and a lower risk of accidents. GEICO provides the lowest car insurance rates at $2,190 per year for adult drivers in Tulsa.
Progressive offers the least expensive car insurance for senior drivers in Tulsa, at $1,901 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.
| Company | Teens | Young adults | Adults | Seniors |
|---|---|---|---|---|
| GEICO | $7,844 | $3,302 | $2,190 | $2,310 |
| Progressive | $10,866 | $3,764 | $2,324 | $1,901 |
| Shelter Insurance | $8,521 | $5,404 | $2,967 | $2,682 |
| AFR Insurance | $5,669 | $3,960 | $3,113 | $3,243 |
| Farmers | $14,923 | $5,949 | $3,150 | $3,095 |
| State Farm | $9,041 | $5,279 | $3,246 | $3,125 |
| Mercury Insurance | $17,857 | $5,941 | $3,294 | $2,945 |
| Allstate | $11,752 | $5,750 | $3,700 | $3,856 |
| Oklahoma Farm Bureau | $10,915 | $6,969 | $3,978 | $3,573 |
| USAA | $5,195 | $2,631 | $1,750 | $1,806 |
Cheapest car insurance companies in Tulsa by driver profile
The cheapest car insurance company in Tulsa depends on the driver's record and credit profile. State Farm is cheapest after an at-fault accident, Progressive after a DUI, and Progressive after a speeding ticket. Comparing insurers is especially important after a violation.
Below are some of the cheapest car insurance companies in Tulsa by driver profile.
- Cheapest for poor credit: GEICO
- Cheapest for an at-fault accident: State Farm
- Cheapest for a DUI: Progressive
- Cheapest for a driver with a speeding ticket: Progressive
Cheapest for a driver with poor credit: GEICO
GEICO is the most affordable car insurance for drivers with poor credit. On average, drivers in Tulsa pay about $3,423 per year for it.
Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Tulsa.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $1,712 | $3,423 |
| Progressive | $1,988 | $3,976 |
| Oklahoma Farm Bureau | $2,045 | $4,090 |
| Mercury Insurance | $2,452 | $4,904 |
| Allstate | $2,772 | $5,543 |
| Shelter Insurance | $2,837 | $5,673 |
| Farmers | $3,263 | $6,526 |
| State Farm | $6,893 | $13,787 |
| USAA | $1,729 | $3,457 |
Cheapest auto insurance after an at-fault accident: State Farm
After an at-fault accident, State Farm has the cheapest average car insurance in Tulsa at $3,638 per year. Insurers raise premiums following an at-fault crash because it may indicate a higher likelihood of another claim, but the amount of the increase varies by company.
The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Tulsa.
| company | Average 6 month premium | Average annual premium |
|---|---|---|
| State Farm | $1,819 | $3,638 |
| Shelter Insurance | $1,908 | $3,816 |
| Progressive | $1,963 | $3,926 |
| GEICO | $2,178 | $4,355 |
| Oklahoma Farm Bureau | $2,228 | $4,456 |
| Allstate | $2,563 | $5,126 |
| Farmers | $2,632 | $5,264 |
| Mercury Insurance | $2,950 | $5,900 |
| USAA | $1,318 | $2,637 |
Cheapest auto insurance after a DUI: Progressive
Progressive offers the cheapest car insurance rates for drivers with a first-offense DUI/DWI on their driving record. The average rate is $2,673 per year, making it the cheapest option amongst all the companies analyzed.
A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.
Here are the cheapest car insurance companies for drivers with a DUI in Tulsa.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Progressive | $1,337 | $2,673 |
| State Farm | $1,704 | $3,407 |
| Mercury Insurance | $2,187 | $4,374 |
| GEICO | $2,189 | $4,378 |
| Shelter Insurance | $2,194 | $4,388 |
| Allstate | $2,445 | $4,891 |
| Farmers | $3,017 | $6,035 |
| Oklahoma Farm Bureau | $3,230 | $6,461 |
| USAA | $1,596 | $3,192 |
Cheapest for drivers with a speeding ticket: Progressive
Progressive offers the cheapest car insurance at $3,107 in Tulsa for drivers with a speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.
Here are the companies that offer affordable auto insurance for drivers with a speeding ticket.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Progressive | $1,553 | $3,107 |
| State Farm | $1,704 | $3,407 |
| Shelter Insurance | $1,754 | $3,508 |
| GEICO | $2,019 | $4,038 |
| Allstate | $2,069 | $4,138 |
| Farmers | $2,102 | $4,203 |
| Mercury Insurance | $2,357 | $4,714 |
| Oklahoma Farm Bureau | $2,395 | $4,790 |
| USAA | $1,067 | $2,134 |
Car insurance discounts for Tulsa drivers
The biggest car insurance discount available in Tulsa is for the Years Insured category at 30%, offered by Mercury Insurance.
Additional discounts include those for safe drivers, good students, and bundling your home and auto insurance.
Here are some of the car insurance discounts insurers offer to Tulsa drivers and how much you could save on average.
| Category | Company | Premium before discount | Premium after discount | % Discount | $ Difference |
|---|---|---|---|---|---|
| Air Bags | GEICO | $2,066 | $2,052 | 1% | $13 |
| Anti-Theft Device | GEICO | $2,066 | $2,049 | 1% | $17 |
| Comp and Coll Deductibles | GEICO | $2,066 | $1,719 | 17% | $347 |
| Comp and Coll Deductibles | Progressive | $2,341 | $2,122 | 9% | $219 |
| Comp and Coll Deductibles | AFR Insurance | $2,671 | $2,134 | 20% | $537 |
| Comp and Coll Deductibles | Shelter Insurance | $2,475 | $2,256 | 9% | $218 |
| Comp and Coll Deductibles | Mercury Insurance | $2,871 | $2,681 | 7% | $190 |
| Comp and Coll Deductibles | Farmers | $3,020 | $2,755 | 9% | $265 |
| Comp and Coll Deductibles | State Farm | $2,946 | $2,775 | 6% | $171 |
| Comp and Coll Deductibles | Allstate | $3,457 | $2,994 | 13% | $463 |
| Comp and Coll Deductibles | Oklahoma Farm Bureau | $3,866 | $3,529 | 9% | $337 |
| Days Advanced Purchase | Progressive | $2,341 | $2,318 | 1% | $24 |
| Days Advanced Purchase | Shelter Insurance | $2,475 | $2,324 | 6% | $150 |
| Days Advanced Purchase | Farmers | $3,020 | $2,719 | 10% | $301 |
| Days Advanced Purchase | Mercury Insurance | $2,871 | $2,729 | 5% | $143 |
| Days Advanced Purchase | Allstate | $3,457 | $3,043 | 12% | $414 |
| Education | GEICO | $2,066 | $1,721 | 17% | $345 |
| Electronic Funds Transfer | Progressive | $2,341 | $2,272 | 3% | $69 |
| Electronic Funds Transfer | Mercury Insurance | $2,871 | $2,797 | 3% | $74 |
| Electronic Funds Transfer | Farmers | $3,020 | $2,960 | 2% | $60 |
| Electronic Funds Transfer | Allstate | $3,457 | $3,319 | 4% | $138 |
| Electronic Signature | Mercury Insurance | $2,871 | $2,828 | 1% | $43 |
| Homeowner | Progressive | $2,341 | $2,295 | 2% | $47 |
| Homeowner | Farmers | $3,020 | $2,698 | 11% | $322 |
| Homeowner | Mercury Insurance | $2,871 | $2,762 | 4% | $109 |
| Homeowner | Allstate | $3,457 | $3,232 | 7% | $225 |
| Lower Annual Mileage | GEICO | $2,066 | $2,002 | 3% | $63 |
| Lower Annual Mileage | Progressive | $2,341 | $2,217 | 5% | $124 |
| Lower Annual Mileage | Shelter Insurance | $2,475 | $2,294 | 7% | $180 |
| Lower Annual Mileage | State Farm | $2,946 | $2,681 | 9% | $265 |
| Loyalty - Years Renewal With Company | Progressive | $2,341 | $1,879 | 20% | $462 |
| Loyalty - Years Renewal With Company | GEICO | $2,066 | $1,982 | 4% | $84 |
| Loyalty - Years Renewal With Company | Shelter Insurance | $2,475 | $2,425 | 2% | $50 |
| Loyalty - Years Renewal With Company | State Farm | $2,946 | $2,600 | 12% | $346 |
| Loyalty - Years Renewal With Company | Mercury Insurance | $2,871 | $2,704 | 6% | $167 |
| Loyalty - Years Renewal With Company | Oklahoma Farm Bureau | $3,866 | $3,637 | 6% | $229 |
| Marital Status | Progressive | $2,341 | $1,946 | 17% | $395 |
| Marital Status | Mercury Insurance | $2,871 | $2,346 | 18% | $526 |
| Marital Status | Shelter Insurance | $2,475 | $2,352 | 5% | $123 |
| Marital Status | AFR Insurance | $2,671 | $2,450 | 8% | $222 |
| Marital Status | Farmers | $3,020 | $2,876 | 5% | $144 |
| Marital Status | Allstate | $3,457 | $3,353 | 3% | $104 |
| Multi Policy | GEICO | $2,066 | $1,980 | 4% | $85 |
| Multi Policy | AFR Insurance | $2,671 | $2,006 | 25% | $665 |
| Multi Policy | Progressive | $2,341 | $2,211 | 6% | $130 |
| Multi Policy | Shelter Insurance | $2,475 | $2,430 | 2% | $44 |
| Multi Policy | Mercury Insurance | $2,871 | $2,637 | 8% | $234 |
| Multi Policy | State Farm | $2,946 | $2,661 | 10% | $285 |
| Multi Policy | Farmers | $3,020 | $2,679 | 11% | $340 |
| Multi Policy | Allstate | $3,457 | $3,117 | 10% | $340 |
| Multi Policy | Oklahoma Farm Bureau | $3,866 | $3,246 | 16% | $620 |
| Paperless/Electornic Documents | Mercury Insurance | $2,871 | $2,814 | 2% | $57 |
| Paperless/Electornic Documents | Farmers | $3,020 | $2,924 | 3% | $96 |
| Paperless/Electornic Documents | Allstate | $3,457 | $3,181 | 8% | $276 |
| Payment Type | Shelter Insurance | $2,475 | $2,179 | 12% | $296 |
| Payment Type | Progressive | $2,341 | $2,206 | 6% | $136 |
| Payment Type | AFR Insurance | $2,671 | $2,272 | 15% | $400 |
| Payment Type | Mercury Insurance | $2,871 | $2,497 | 13% | $374 |
| Payment Type | Farmers | $3,020 | $2,869 | 5% | $150 |
| Payment Type | Allstate | $3,457 | $3,075 | 11% | $383 |
| Primary Use | Shelter Insurance | $2,475 | $1,891 | 24% | $584 |
| Primary Use | AFR Insurance | $2,671 | $2,201 | 18% | $470 |
| Primary Use | Progressive | $2,341 | $2,259 | 4% | $82 |
| Primary Use | State Farm | $2,946 | $2,642 | 10% | $304 |
| Primary Use | Allstate | $3,457 | $3,344 | 3% | $113 |
| Primary Use | Oklahoma Farm Bureau | $3,866 | $3,604 | 7% | $262 |
| Profession | Progressive | $2,341 | $2,238 | 4% | $103 |
| Profession | Mercury Insurance | $2,871 | $2,801 | 2% | $70 |
| Safety Devices | GEICO | $2,066 | $2,021 | 2% | $44 |
| Safety Devices | Progressive | $2,341 | $2,248 | 4% | $93 |
| Telematics | Progressive | $2,341 | $2,052 | 12% | $289 |
| Telematics | State Farm | $2,946 | $2,733 | 7% | $214 |
| Telematics | Allstate | $3,457 | $3,181 | 8% | $276 |
| Years Insured | GEICO | $2,066 | $1,652 | 20% | $414 |
| Years Insured | Mercury Insurance | $2,871 | $2,013 | 30% | $858 |
| Years Insured | Progressive | $2,341 | $2,052 | 12% | $290 |
| Years Insured | AFR Insurance | $2,671 | $2,078 | 22% | $593 |
| Years Insured | Shelter Insurance | $2,475 | $2,283 | 8% | $191 |
| Years Insured | Allstate | $3,457 | $2,660 | 23% | $798 |
How to get cheap car insurance in Tulsa in 2026
To find cheap car insurance in Tulsa in 2026, compare several insurers using the same limits and deductibles, request every eligible discount, and choose the highest deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. that you can afford. A clean driving history, an affordable vehicle, and regular policy reviews can also help keep premiums under control.
Find affordable car insurance in Tulsa by following these smart strategies:
- Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
- Take advantage of discounts. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car, or paying your premium in full instead of monthly.
- Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
- Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents, and other violations to keep your insurance costs down.
- Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
- Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Tulsa.
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
Rates for drivers with poor credit, speeding tickets, DUI, and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
FAQ: Cheap Car Insurance in Tulsa
How much does car insurance cost in Tulsa?
Car insurance costs $2,997 per year on average, or about $250 monthly for full coverage in Tulsa. This average is based on 100/300/100 liability limits with $500 deductibles, but your final price depends on your driving profile and coverage choices.
Do you need full coverage car insurance in OK?
No, you don't legally need full coverage in OK, but you will be required to carry it if you're financing or leasing your car. If you own your vehicle outright, you can choose whether the extra protection is worth the higher cost based on your financial situation.
How can you get cheaper car insurance in Tulsa?
You can reduce your car insurance costs in Tulsa by comparing at least three quotes, increasing your deductible if you can afford it, and asking about all available discounts. Keeping a clean driving record and reviewing your policy at renewal can also help you consistently save money.
Compare auto insurance rates by city in Oklahoma
