Best Cheap Auto Insurance in Tulsa, Oklahoma (2025)
State Farm offers the cheapest car insurance in Tulsa, with minimum-coverage rates starting at $61 per month.
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Tulsa drivers pay, on average, more for car insurance than drivers in other parts of the state. Full-coverage car insurance in Tulsa averages $192 per month, while liability-only policies average $104. By comparison, the Oklahoma state-level averages are $171 and $86, respectively.
Multiple factors, including relatively high population density, high accident rates, and extreme weather contribute to T-Town's car insurance costs. But Tulsa drivers can still find cheap car insurance by comparing rates from multiple insurers. Here's what to know about auto insurance in Tulsa.
Quick Facts
State Farm, Mercury, and USAA are the cheapest car insurance providers in Tulsa.
Oklahoma insurers can consider your credit history when determining your premium.2
Because Oklahoma is an at-fault state, a driver that causes an accident is responsible for the costs of vehicle repairs and medical expenses of the other driver.
Best car insurance companies in Tulsa
Beyond looking for cheap rates, you should consider what type of coverage you need and what you value in an auto insurer. Your driving record, age, credit history, and vehicle type can influence what insurer offers the best coverage for you. Prioritize finding a company that aligns with your financial situation and insurance needs.
Here are three of the best insurers offering coverage in Tulsa.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurance for cheap rates: State Farm
Best insurance for drivers with poor credit: Direct Auto
Best insurance for young drivers: Allstate
How to get the cheapest car insurance in Tulsa
Several factors influence how much you pay for auto insurance in Tulsa, including your driving history, vehicle type, ZIP code, gender, age, and credit score. Here are some tips to help you find affordable coverage in Tulsa:
Compare quotes. You can find the best price by shopping around and comparing auto insurance rates and coverages from different companies.
Drive safely. A clean driving record demonstrates responsible driving behavior and can help you qualify for cheaper car insurance premiums.
Increase your deductible. A higher deductible means you’ll pay more if you file a claim, but it can also lower your coverage costs.
Ask about potential discounts. Insurance companies can offer a number of discounts to help you save money by being a good driver, bundling homeowners insurance and renter policies, insuring multiple vehicles, and more.
Cheapest liability-only car insurance in Tulsa: State Farm
Liability-only car insurance provides the essential coverage you need in Oklahoma and is the cheapest policy option in Tulsa. It protects you financially if you cause an accident by covering resulting damage and injury to the other driver, their passengers, or their property. However, it doesn’t provide coverage for your vehicle, so you should carefully consider your ability to cover potential out-of-pocket expenses in case of an accident.3
On average, Tusla drivers pay $104 per month for liability coverage, but can find the cheapest rates from State Farm for $61 per month.
Here are the cheapest liability-only coverage options available in Tulsa.
Cheapest full-coverage car insurance in Tulsa: State Farm
While liability-only car insurance provides minimum coverage, full-coverage car insurance offers higher levels of protection for both you and your vehicle. A full-coverage policy comes with liability, collision, and comprehensive coverage. The policy type covers damages from accidents, theft, vandalism, and natural disasters.
If you have a new or particularly valuable vehicle, you may want to purchase this policy for extra vehicle protection. Your lender may even require you to purchase this coverage if you lease or finance your vehicle.
Tusla drivers pay on average $192 per month for full coverage, but can find the cheapest rates from State Farm for $95 per month.
Here are the cheapest auto insurers for full-coverage insurance in Tulsa.
Car insurance requirements in Oklahoma
Oklahoma is an at-fault state for car insurance, which means the driver who caused the accident is responsible for covering the cost of the other driver’s damage and injury following an accident.4
The state requires drivers to carry a minimum amount of bodily injury and property damage liability insurance, but the Oklahoma Insurance Department suggests you may need more than the minimum to fully protect you financially.
Here are the specific state minimum requirements in Oklahoma.5
For more vehicle protection, you should consider purchasing one or more of the following additional coverages:
Cheapest car insurance for drivers with an incident
Incidents on your driving record — such as an at-fault accident, speeding ticket, DUI, or another moving violation — can affect how much you pay for car insurance. Auto insurance companies consider a history of incidents as a sign of high-risk driving and often charge higher rates as a result.7
Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding tickets indicate risk to insurers, so you may see your rates increase a bit. However, plenty of Tulsa insurance companies will still offer reasonable rates — especially if you only have one speeding ticket on your record.
On average, Tulsa drivers with speeding tickets can expect to pay $242 per month for full coverage car insurance, and $131 for liability-only coverage. Here are the cheapest car insurance companies for Tulsa drivers with a speeding ticket.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Insurers may consider you more of a risk when you have an at-fault accident on your record because at-fault accidents indicate a greater likelihood of future claims. To compensate for this added risk, insurers typically charge higher premiums.
An at-fault accident pushes the average cost of car insurance in Tulsa to $245 for full coverage and $133 for liability. You can find the cheapest car insurance companies by comparing quotes, taking advantage of discounts, and maintaining a clean driving record moving forward. Here are the cheapest Tulsa insurers for drivers with an at-fault accident on their record.
Cheapest car insurance for drivers with a DUI: State Farm
Due to the severity of the offense, a DUI can significantly affect your insurance rates. A DUI on your record signals a higher likelihood of accidents and potential legal ramifications for insurers.
In Tulsa, drivers with DUIs face average monthly car insurance rates of $309 for full coverage and $167 for liability-only policies.
If you’re struggling to find insurance coverage after a driving under the influence conviction, you may need to contact the Oklahoma Automobile Insurance Plan at (405) 842-0844 to connect with an insurance agent that will provide you coverage. Here are the cheapest insurers in Tulsa for drivers with a past DUI conviction.
Cheapest car insurance for seniors: State Farm
Car insurance costs tend to follow a specific pattern as you age. Rates tend to steadily decrease around the age of 35 as you gain more experience and establish a clean driving record. However, premiums will likely increase a bit again for senior drivers age 70 and older.
Even though older drivers spend less time driving, crash rates increase significantly for drivers age 70 and older, according to the Insurance Institute for Highway Safety.8
Tulsa seniors see average car insurance rates of $164 per month for full coverage, and $89 for liability-only policies. Here are the cheapest insurers for senior drivers in Tulsa.
Cheapest car insurance for teens: State Farm
Car insurance for teenage drivers can feel like a financial burden on many families. Premiums are often much higher for young drivers due to inexperience driving and risks around distractions and speeding. Teens can earn cheaper rates by joining their parents’ insurance policy, driving a safe vehicle, earning a good student discount, and completing a safe driving course.
The Oklahoma Graduated Driver Licensing (GDL) process — which includes a six-month supervised driving learning period — helps reduce accidents. That said, Oklahoma teens still have more accidents than any other age group, according to the Oklahoma State Department of Health.9
The average cost of car insurance for Tulsa teens with their own policies is $372 per month for full coverage and $201 for minimum coverage. Here are the cheapest insurers for teenage drivers in Tulsa.
Tulsa car insurance quotes by credit tier
Your credit history can influence your insurance costs because Oklahoma insurers can consider it when determining your car insurance premiums. An excellent or good credit score can help you get a more favorable car insurance quote. Tulsa drivers with poor credit scores typically pay more for coverage.
Here are the average rates for car insurance in Tulsa by credit tier.
Is car insurance more expensive in Tulsa?
Tulsa car insurance costs are higher than the national averages of $182 for full coverage and $103 for liability only. However, premiums can vary by ZIP code within the city. Different neighborhoods have different population densities, vehicle crime rates, and driving conditions that affect how much you pay.
Living in the second-largest city in Oklahoma, Tulsa drivers tend to pay more for coverage than drivers in other cities in the state. Tulsa has an average of 2,091 residents per square mile in the city, according to the U.S. Census Bureau. This population density can result in more traffic incidents, which may increase average rates for drivers in the city.10
More cities in Oklahoma
Car insurance rates in the Sooner State vary widely. Below, you can see average monthly rates in other Oklahoma cities — and how they compare to Tulsa.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Tulsa car insurance FAQs
Before you select an auto insurer, you need to decide on your budget and how much coverage you need. The information below should help you navigate the process of finding affordable coverage in Tulsa, Oklahoma.
How much is car insurance in Tulsa?
On average, Tulsa drivers pay $192 per month for full-coverage and $104 for liability coverage. Your specific rate will depend on your driving record, age, insurer, credit history, vehicle type, and more.
Which company has the cheapest car insurance in Tulsa?
State Farm is the cheapest insurer for Tulsa drivers, with liability-only rates starting at $61 per month. Mercury and USAA are also affordable options for Tulsa residents. Their liability-only policies start at $67 and $76 per month, respectively.
What are the best car insurance companies in Tulsa?
With an Insurify Quality (IQ) Score of 9.3 and solid rankings from AM Best and J.D. Power, State Farm is the best car insurance company in Tulsa. Other top insurers include USAA and Allstate.
What factors affect the cost of car insurance in Tulsa?
Tulsa residents may pay a bit more for car insurance than drivers in other Oklahoma cities because they live in the second-largest city in the state. In urban areas with a greater population density, insurers often adjust rates to account for a greater likelihood of accidents and other traffic incidents. Your driving record, age, vehicle, and more also affect your rate.
Is Oklahoma a no-fault state?
No. Oklahoma is an at-fault state, which means the driver that causes an accident is responsible for covering the costs of the other driver’s vehicle repairs or medical expenses.
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