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Car insurance in Tulsa costs $2,339 per year for full coverage – $195 per month. In 2024, Progressive offers the cheapest car insurance policies at an average of $116 per month.

With a population of around Tulsa is the second-largest city in the state of Oklahoma, with a population of around 411,000.

Learn about the cheapest car insurance companies in Tulsa, how much car insurance you need in Tulsa and how its insurance rates compare to other large U.S. cities.

Key Takeaways

  • Full coverage car insurance in Tulsa is $2,339 annually, higher than the nationwide average of $1,895.
  • The cheapest car insurance company for a full coverage policy in Tulsa is Progressive.
  • Car insurance in Tulsa is $201 a year higher than the Oklahoma statewide average of $2,138 for a full-coverage policy.

How to find the best car insurance in Tulsa

Shopping around to compare quotes for similar policies across multiple car insurance companies can help you lock in the best rates. Try to look at rates from at least three different companies and don’t forget to ask if you qualify for any discounts

Cheapest car insurance company in Tulsa

Progressive offers the cheapest insurance coverage in Tulsa, Oklahoma, with an annual average rate of $1,388 for full coverage. The next cheapest company is USAA at $1,628 per year. Remember, USAA is only available to military community members and their families.

See other cheap car insurance rates in Tulsa in the table below.

Company Average annual rates for state minimumAverage annual rates for 50/100/50 liability onlyAverage annual rates for full coverage
Progressive$360$524$1,388
USAA$351$542$1,628
Geico$375$674$1,922
State Farm$435$667$1,989
Mercury Insurance$336$551$2,181
Shelter Insurance$567$865$2,357
AFR Insurance$569$809$2,532
Allstate$754$1,061$2,901
Farmers$892$1,500$3,052
Oklahoma Farm Bureau$785$1,119$3,439
Average annual rates from insurers in Tulsa

How much is car insurance in Tulsa per month?

Car insurance in Tulsa costs $45 per month for a state minimum policy and $195 per month for a full coverage car insurance policy, on average, according to the most recent data. See monthly rates from Oklahoma insurers in the table below.

Company Average monthly rates for state minimum Average monthly rates for 50/100/50 liability onlyAverage monthly rates for full coverage
Progressive$30$44$116
USAA$29$45$136
Geico$31$56$160
State Farm$36$56$166
Mercury Insurance$28$46$182
Shelter Insurance$47$72$196
AFR Insurance$47$67$211
Allstate$63$88$242
Farmers$74$125$254
Oklahoma Farm Bureau$65$93$287
Monthly rates for car insurance in Tulsa, Oklahoma

How do rates in Tulsa compare to other large cities in the U.S.?

Car insurance is cheaper in Tulsa than in larger cities. Compare Tulsa’s monthly average rate of $195 to Los Angeles’ $262 or a rate of $217 in New York, New York.

James Brau, professor of finance at Brigham Young University, says that the more risk the insurance company must bear, the higher the premium they must charge to stay in business and make a profit. 

“Large cities tend to present more risk to the insurance companies than rural areas. Large cities have more people, more cars and higher chances of getting in wrecks or having other damage done to vehicles,” Brau says. “As such, insurance firms must charge higher premiums in cities. Cities that are relatively more dangerous, in turn, must charge higher premiums than cities that are not as risky. Insurance companies study damage losses per metropolitan area and assign premiums depending on the number of wrecks in an area.”

See how much you can expect to pay for car insurance in several major U.S. cities in the table below.

CityAverage monthly premiums
Albuquerque$186
Atlanta$206
Austin$161
Bakersfield$206
Chicago$161
Colorado Springs$196
Dallas$190
Fresno$199
Houston$193
Kansas City$180
Long Beach$223
Los Angeles$262
Mesa$165
Miami$279
Milwaukee$168
Minneapolis$182
New York$217
Oakland$234
Omaha$162
Philadelphia$232
Phoenix$188
Raleigh$142
Sacramento$222
San Antonio$182
San Diego$194
San Jose$200
Tampa$261
Tucson$157
Tulsa$195
Virginia Beach$121
Wichita$166
Monthly full-coverage car insurance costs in major U.S. metropolitan areas

Here’s what you need to know when driving in Tulsa

Tulsa drivers spend an average of 22 minutes commuting to work each way. Here are a few tips for drivers in Tulsa:

  • Use a maps app to avoid sitting in unnecessary traffic. 
  • Rush hour runs from 6-9 a.m. and 4-7 p.m. If possible, avoid the roads during these times. 

And there are a few city restrictions in Tulsa. Miscellaneous driving restrictions in the city of Tulsa, Oklahoma:

  • If you are caught speeding by more than 20 MPH above the posted limit, you could face an aggravated speeding ticket. It comes with a fine of up to $500 or up to 10 days in jail. 
  • The speed limit in alleys is 10 MPH. 
  • If passing near a hospital, you cannot use your horn or create unnecessary noise within 300 feet of the building. 

How much car insurance do I need in Tulsa?

In Tulsa, the car insurance requirements follow the state of Oklahoma’s guidelines. Here is a look at the requirement minimum coverage amounts:

  • $25,000 in bodily injury for a person involved in an accident 
  • $50,000 for bodily injury for two or more people in an accident
  • $25,000 in property damage coverage per accident

While a policy with these limits meets the state’s requirements, it might not provide enough financial protection for your situation. 

Average cost of car insurance in Tulsa

The average annual cost of full coverage car insurance in Tulsa is $2,339 – $201 a year higher than the Oklahoma statewide average of $2,138.  That’s quite a bit higher than the nationwide average of $1,895.

State minimum coverage in TulsaAnnual full coverage rates in Tulsa
$542$2,339
Annual average rates in Tulsa for state minimum coverage and full coverage

How much does car insurance in Tulsa cost with violations?

A history of moving violations can push your car insurance costs higher, especially if you commit a serious violation, like a speeding ticket or DUI. 

For example, Tulsa drivers see their rates increase by an average of 53% after an at-fault accident. If you are caught speeding, that ticket could push your car insurance rates up by an average of 33%. DUIs also lead to higher costs, with an average rate increase of 44%, and bad credit increases rates 79%.

See rate increases in Tulsa in the table below, by violation.

Violation% increase
At-Fault Accident53%
Bad Credit79%
DUI44%
Speeding33%

Cheapest car insurance in Tulsa by age

Car insurance for teens in Tulsa can get expensive – the annual rate for an 18-year-old is $6,665 per year for a full coverage policy. Plan for rates to start to head down at age 25 and back up in your late 60s. See more rates by age in the table below.

AgeState minimum coverageFull coverage
18$1,983$6,665
25$643$2,679
40$542$2,339
65$520$2,160
Annual rates for state minimum and full coverage car insurance in Tulsa, by age

Compare auto insurance rates in Tulsa by ZIP code 

Where you live also plays a role in car insurance costs. In Tulsa, the cheapest ZIP codes for car insurance are 74108, 74137 and 74117. The most expensive are 74115, 74110 and 74129. 

See the tables below for the cheapest and most expensive ZIP codes for car insurance in Tulsa. 

Cheapest annual car insurance rates in Tulsa, by ZIP code 

ZIP codeAverage annual rate for full coverage
74108$2,277
74137$2,283
74117$2,297
74132$2,305
74136$2,306
74171$2,311
74133$2,314
74134$2,315
74126$2,320
74107$2,321

Most expensive annual car insurance rates in Tulsa, by ZIP code 

ZIP codeAverage annual rate for full coverage
74115$2,448
74110$2,440
74129$2,398
74106$2,397
74146$2,387
74172$2,359
74112$2,351
74127$2,350
74105$2,344
74120$2,339

Our recommendations: Car insurance for drivers in Tulsa

Tulsa drivers who qualify can often get the cheapest coverage by purchasing a policy with Progressive. But shopping around will help you find the most affordable policy for your unique situation. 

Take a close look at the policy details to confirm you are getting the coverage you want and need. Gather quotes from several insurance companies to find the best price. 

Many drivers get the most value out of a full coverage insurance policy with liability limits of 100/300/100. But as you accumulate wealth, consider choosing higher liability limits. Robust coverage can give you the peace of mind you need as you navigate Tulsa roads. 

Resources & Methodology

Sources:

Census Bureau “Tulsa.” Accessed February 2024.

Data USA. “Tulsa.”Accessed February 2024.

Insurance Information Institute. “What determines the price of an auto insurance policy.” Accessed February 2024.

Oklahoma Insurance Department. “Auto Insurance.” Accessed February 2024. 

Tulsa Municipal Code. “Chapter 6.” Accessed February 2024. 

Methodology

In 2024, Insure.com commissioned Quadrant Information Services to pull rates for a 40-year-old who has a 12-mile commute and drives a 2023 Honda Accord LX 10k miles annually. The hypothetical driver has full coverage, carrying policy limits of 100/300/100 with $500 deductibles for comprehensive and collision coverages. We analyzed 51,088,003 insurance quotes from 167 companies across 34,588 ZIP codes in every state and Washington, D.C.

author image
Sarah Sharkey
Contributing Researcher

 
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Sarah Sharkey is a personal finance writer with a master’s degree in management from the Hough School of Business at the University of Florida. She enjoys helping readers find money solutions that work. She has written for numerous personal-finance publications including Money Under 30 and The College Investor.