Cheapest car insurance companies in Tulsa 

After an in-depth analysis, Insurance.com found that Progressive and Geico are the cheapest car insurance companies in Tulsa for 2023. 

Progressive has the cheapest car insurance rates in Tulsa at an average cost of $1,388 per year.

Car insurance costs may vary in Tulsa based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Tulsa.

CompaniesAverage annual rates
Progressive$1,388
USAA$1,628
Geico$1,922
State Farm$1,989
Mercury Insurance$2,181
Shelter Insurance$2,357
AFR Insurance$2,532
Allstate$2,901
Farmers$3,052
Oklahoma Farm Bureau$3,439

Cheapest car insurance cost in Tulsa by Age Group 

In Tulsa, AFR Insurance is the cheapest car insurance company for teenagers, offering full coverage policies at $4,307 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads. 

Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.

Progressive provides the cheapest car insurance coverage for young drivers in Tulsa, with an annual premium of $2,404 on average.

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Tulsa is Progressive. Its average rate for a full coverage car insurance policy is $1,396 per year

Progressive tops the list in terms of affordability for senior drivers in Tulsa. With an average annual premium of $1,250, Progressive offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.

CompanyTeensYoung AdultsAdultsSeniors
AFR Insurance$4,307$3,098$2,552$2,661
USAA$4,861$2,471$1,647$1,704
State Farm$5,475$3,237$1,998$1,911
Geico$6,742$2,841$1,913$2,042
Shelter Insurance$6,960$4,424$2,441$2,209
Farmers$7,093$5,489$2,898$3,121
Progressive$7,346$2,404$1,396$1,250
Oklahoma Farm Bureau$9,115$5,220$3,360$3,026
Mercury Insurance$9,568$3,942$2,213$2,130
Allstate$10,718$4,448$2,880$3,000

Cheapest car insurance companies in Tulsa by driver profile 

When determining car insurance rates in Tulsa, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.

It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Tulsa that suits your budget. 

In Tulsa, these insurance companies offer cheap car insurance rates based on your driver profile.

Drivers in Tulsa with poor credit can get the cheapest car insurance from Geico at an average cost of $1,703 a year, according to a data study by Insurance.com.

Here are car insurance carriers that offer affordable rates for drivers with poor credit scores in Tulsa.

CompanyAverage annual rates
Geico$1,703
USAA$2,282
Farmers$2,760
Allstate$2,851
Progressive$4,943
State Farm$7,068

State Farm has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Tulsa. Its full coverage car insurance policy costs an average of $1,583 per year for drivers aged 30. 

Finding the cheapest car insurance isn't a one-size-fits-all scenario. What may be the most cost-effective option for you might not be the same for someone else. That's why you should compare car insurance quotes from multiple carriers.

CompanyAverage annual premium
State Farm$1,583
USAA$1,583
Geico$2,010
Allstate$2,162
Farmers$2,374
Progressive$4,028

State Farm is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Tulsa is $1,684. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket. 

CompanyAverage annual rates
State Farm$1,684
USAA$2,019
Geico$2,493
Farmers$2,749
Allstate$2,770
Progressive$5,448

In Tulsa, State Farm has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $1,583 a year

If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers. 

CompanyAverage annual rates
State Farm$1,583
USAA$2,367
Farmers$2,845
Allstate$2,940
Geico$3,404
Progressive$4,084

Average car insurance cost in Tulsa 

The average car insurance rate in Tulsa for full coverage is $2,339 per year or $195 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Tulsa is $542 per year. 

Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as

Average annual RatesState minimum average
$2,339$542

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

While the 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.

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