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Tulsa Car Insurance

How much does car insurance cost in Tulsa, OK? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Tulsa?

Tulsa has something for the entire family. There's the Tulsa Zoo with its safari train and the Gathering Place, a public open space with basketball courts, skate parks, walking and bicycle paths and a wetlands trail and garden. At Mohawk Park, you'll find a golf course, nature center and trails. There also is a children's playground area with picnic tables nearby. Oxley Nature Center has hiking trails and interactive exhibits.

For family members with a green thumb, there is the Tulsa Botanic Garden. And for those who love art, there is the Philbrook Museum of Art with its 14,500-piece collection of American, Native American and European art as well as the Gilcrease Museum with its Native American and Western art.

If you love Art Deco you'll want to explore the architecture downtown. You could take the bus to get around Tulsa but nothing is better than driving your own car. If you're looking for lower car insurance rates, shopping around is the key to a lower rate. SmartFinancial with its 200 insurance company partners can do the work for you. All you need to do is fill out a short form and you'll receive quotes from auto insurance providers near you. Start by entering your zip code.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Oklahoma has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Tulsa typically pay around $112.00 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Oklahoma $103.93
Tulsa, Oklahoma $112.00

Tulsa, OK Best Car Insurance Companies

car insurance in Tulsa

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Clearcover generally has the most affordable car insurance in Tulsa coming in around $73.00 per month. Other companies to consider if you live in Tulsa is USAA with an average cost of $108.28 per month and State Farm which typically runs around $119.90 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Tulsa.

RankCompanyAverage Monthly RateComparison State Average
1 Clearcover $73.00-29.76%
2 USAA $108.284.18%
3 State Farm $119.9015.37%
4 Safeco $121.0316.45%
5 Mercury $158.6752.67%
6 Farmers $162.9056.74%
7 Allstate $168.3962.02%
8 Oklahoma Farmers Union $170.3763.93%
9 Liberty Mutual $175.1868.55%
10 Shelter $188.0980.98%

How Much is Car Insurance in Tulsa, OK?

how much is auto insurance in Tulsa

Rates can vary from city to city. The residents of Edmond typically pay $114.53 per month while people who live in Norman will pay $111.36 per month on average. See what people pay for car insurance in other cities in Oklahoma.

Oklahoma CitiesMonthly Average Rate
Edmond $114.53
Norman $111.36
Oklahoma City $110.61
Stillwater $101.14
Tulsa $110.45

Cheap Car Insurance in Tulsa by Zip Codes

find cheap auto insurance in Tulsa

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Oklahoma. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Tulsa, OK ZIP CodeAverage Monthly Rate
74102$107.40
74103$145.19
74104$107.92
74105$107.34
74106$108.61
74107$108.28
74108$116.05
74110$105.27
74112$87.22
74114$96.71
74115$94.46
74116$103.96
74117$240.95
74119$107.54
74120$104.43
74126$104.51
74127$95.13
74128$105.68
74129$129.94
74130$82.05
74131$121.78
74132$107.66
74133$131.58
74134$119.82
74135$102.61
74136$124.42
74137$118.53
74145$117.44
74146$116.66
74147$143.67
74149$41.66
74158$86.60
74159$274.87
74171$231.63
74187$77.33

Car Insurance Rates by Driver's Age Group in Tulsa

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $295.64 per month in Tulsa. Compare that to drivers in their 30’s who typically pay around $101.73 per month drivers in their 40s at $93.17 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$295.64
20s$144.98
30s$101.73
40s$93.17
50s$81.44
60s$87.38
70+$97.12

Cheapest Insurance for Teenage Drivers in Tulsa

If you are teen in Tulsa you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $247.08 per month. This is likely the most affordable option in Tulsa. You might also want to consider State Farm and Allstate who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$247.08
State Farm$287.94
Allstate$317.87
Oklahoma Farmers Union$368.28
Safe Auto$373.67

Cheapest Insurance for 20 Year-olds in Tulsa

20 year-olds in Tulsa might want to consider Clearcover who, on average, offers car insurance rates around $88.83 per month. USAA , State Farm , Farmers and Allstate are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Clearcover$88.83
USAA$148.05
State Farm$162.85
Farmers$206.00
Allstate$209.13

Cheapest Insurance for 30 Year-olds in Tulsa

If you are in your 30s in Tulsa our research has found that Clearcover typically has the most affordable coverage coming in around $72.31 per month, followed by USAA at $98.67 and State Farm at $109.10.

CompanyAverage Monthly Rate
Clearcover$72.31
USAA$98.67
State Farm$109.10
Mercury$146.58
Safeco$153.68

Cheapest Insurance for 40 Year-olds in Tulsa

On average, Clearcover offers car insurance for 40 year-olds in Tulsa for around $77.75 per month. If you are looking for affordable coverage, you may also want to consider USAA or State Farm. The full list of top companies is below.

CompanyAverage Monthly Rate
Clearcover$77.75
USAA$86.73
State Farm$101.51
Safeco$108.95
Mercury$130.57

Cheapest Insurance for 50 Year-olds in Tulsa

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Tulsa we found that Clearcover generally offers the most affordable coverage at $62.68 per month.

CompanyAverage Monthly Rate
Clearcover$62.68
USAA$80.70
State Farm$91.62
Mercury$110.10
Farmers$124.30

Cheapest Insurance for 60 Year-olds in Tulsa

If you live in Tulsa and you’re in your 60s, our data indicates that Clearcover usually has the best rates at $64.52 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Clearcover$64.52
USAA$85.86
State Farm$92.26
Safeco$105.13
Mercury$120.90

Driver's Coverage Auto Insurance Rates in Tulsa, OK

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Tulsa, the average monthly rate for a driver who is currently insured is $105.51 while drivers who are not currently covered will pay around $117.52.

CoverageAverage Monthly Rate
Not Currently Insured $117.52
Currently Insured $105.51

Compare Recent Car Insurance Quotes in Tulsa

auto insurance quotes in Tulsa city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Tulsa a driver of a 2020 Ford Explorer can expect to pay around $74.55 per month while someone that owns a 2015 Nissan Altima may pay around $98.35 per month. Check out the list of recent quotes in Tulsa below.

VehicleAverage Monthly Rate
2020 Ford Explorer$74.55
2015 Nissan Altima$98.35
2015 Hyundai Santa Fe Sport$55.72
2017 Chevrolet Spark$58.10
2007 Chevrolet Cobalt$96.95
2015 Jeep Patriot$103.15
2001 Dodge Ram 1500$101.80
2001 Lexus LS$49.16
2014 Nissan Rogue$76.04
2016 Dodge Grand Caravan$102.18

FAQ's for Drivers in Tulsa, OK

driver’s frequently asked question in Tulsa

Tulsa Auto Insurance Requirements

In Tulsa, you are required to have auto liability insurance coverage.

What is the Minimum Amount of Liability Coverage Requirement in Tulsa?

$25,000 bodily injury liability coverage per person

$50,000 bodily injury liability coverage per accident

$25,000 property damage liability

What Is the Blood Alcohol Concentration (BAC) Limit in Tulsa?

The legal blood alcohol content (BAC) level is .08% in Oklahoma. This legal BAC limit is the same in all 50 states. In Oklahoma, if you drive when you have a BAC level of .08% you could be convicted for a DUI. You could also face a fine of up to $1,000 and jail time between 10 days and one year.

With a DUI on your record, your auto insurance rates will increase. But you may be able to find a lower rate. Insurance companies differ in how they treat a DUI. Some offer lower rates than others. SmartFinancial can help you find insurance companies that offer lower rates for DUI convictions.

Can I Register My Car Without Insurance in Tulsa?

You will need to have liability coverage for your car to register your car in Tulsa. Your vehicle registration and auto insurance are important items that you'll want to keep up-to-date. This is true even if you do not use the car. The insurance must be issued by an insurance company authorized by the Oklahoma Department of Insurance and certified by the Oklahoma State DMV. There is one more thing: The insurance for your car must be issued in the name of the vehicle registrant. So the name on the insurance must match the name on a car's vehicle registration.

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Commute Time in Tulsa, OK

18.4 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Tulsa, OK

199

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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