What is the Best Auto Insurance in Tulsa, OK?

One of the more important components that determine car insurance rates is your zip code in Tulsa. Cities with more crime and/or more people tend to pay slightly more, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper car insurance.

The following table ranks the most costly cities in Oklahoma to buy auto insurance in. Tulsa ranks #4 costing $2,192 for the average policy, which is around $183 each month.

How much does auto insurance cost in Tulsa?
Rank City Premium Per Year
1 Del City $2,221
2 Midwest City $2,205
3 Oklahoma City $2,199
4 Tulsa $2,192
5 Bethany $2,157
6 Moore $2,153
7 Broken Arrow $2,151
8 Bixby $2,147
9 Sand Springs $2,139
10 Owasso $2,085
11 Sapulpa $2,081
12 Norman $2,075
13 Edmond $2,042
14 Claremore $2,008
15 Bartlesville $2,000
16 Yukon $1,994
17 Stillwater $1,989
18 Shawnee $1,968
19 Enid $1,961
20 Ponca City $1,956
Compare Prices Now Go

Premium amounts are approximated as the specific area where the vehicle is garaged can impact coverage rates greatly.

Knowing where Tulsa ranks on price, finding dependable, cheap car insurance is confusing at best, and figuring out which companies offer the best insurance rates in Tulsa takes even more shopping around. Each insurance company has a different process for determining prices, so we need to take a look at the lowest cost insurance companies in Tulsa.

Keep in mind that Oklahoma insurance rates are impacted by many factors that will increase or decrease the price you pay for coverage. Improving your credit score, moving across town, or getting a ticket for careless driving can trigger rate changes resulting in some rates now being more expensive than competitors.

Cheap Insurance Rates in Tulsa

Compare Rates and Save

Oklahoma car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,150
2 Oklahoma Farmers Union $1,166
3 GEICO $1,340
4 The Hartford $1,373
5 Safe Auto $1,419
6 Farmers $1,436
7 State Farm $1,521
8 Travelers $1,849
9 Liberty Mutual $1,871
10 Mercury $1,973
11 OK Farm Bureau $2,058
12 Progressive $2,157
13 Home State $2,193
14 Shelter $2,194
15 MetLife $2,235
16 Allstate $2,400
17 Safeco $5,056
Quote Your Rates Go

USAA may have some of the lowest car insurance rates in Tulsa at around $1,150 annually. Oklahoma Farmers Union, GEICO, The Hartford, and Safe Auto also make the cut as some of the more affordable Tulsa, OK car insurance companies.

As shown above, if you are currently insured with GEICO and switched to USAA, you may realize an annual savings of roughly $190. Insureds with The Hartford may save as much as $223 a year, and Safe Auto insureds might cut rates by $269 a year.

Understand that those estimates are averages for all ages of drivers and types of vehicles and do not factor in a specific zip code in Tulsa. So the company that is best for you may not even be in the list above. That emphasizes why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

The vehicle model driven is a large factor when quoting the most economical car insurance in Tulsa. Vehicles with lower acceleration and performance, a great safety record, or low incidents of liability claims will cost much less to insure than higher performance models.

The next list illustrates auto insurance prices for the most budget-friendly automobiles to buy insurance for.

Cheapest Vehicles to Insure in Tulsa, OK
Vehicle Insured Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $984
Honda Accord LX 4-Dr Sedan $1,071
Honda CR-V LX 4WD $1,078
Toyota Prius $1,090
Ford Escape Limited 2WD $1,097
Ford Explorer Eddie Bauer 2WD $1,102
Honda Odyssey EX $1,141
Nissan Altima 2.5 4-Dr Sedan $1,163
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,187
Ford F-150 XL Super Cab 4WD $1,199
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,207
Chevrolet Impala LTZ $1,223
Toyota Camry SE $1,232
Ford Edge Limited AWD $1,223
Chevrolet Equinox LTZ 2WD $1,248
Volkswagen Jetta SEL 4-Dr Sedan $1,258
Nissan Rogue S AWD $1,248
Compare Cheap Rates Go

Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Price information does not factor in specific garaging location which can revise auto insurance rates considerably.

Looking at the data, you can assume that makes and models like the Hyundai Elantra, Honda Accord, Honda CR-V, and Toyota Prius will definitely be a few of the cheaper vehicles to insure for drivers in Tulsa.

Liability-only versus full coverage

Saving money when shopping for insurance is probably important to the majority of people, and one of the best ways to reduce the cost of insurance in Tulsa is to not insure for full coverage. The example below shows the comparison of auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Oklahoma. The price estimates are based on no driving violations, no at-fault accidents, $100 deductibles, single status, and no other discounts are factored in.

As an overall average, full coverage costs $3,436 per year over and above liability only. Lot’s of drivers question when is it a good idea to stop buying full coverage. There is no exact rule for phasing out physical damage insurance, but there is a general convention. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s say your vehicle’s book value is $11,500 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $10,500 after the policy deductible has been paid. If you are paying in excess of $1,050 a year for physical damage coverage, then you may want to consider only buying liability coverage.

There are some circumstances where removing full coverage is not advised. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.

The illustration below highlights how deductible selection can change yearly insurance costs when searching for cheap insurance in Tulsa. The information is based on a single male driver, full coverage, and no other discounts are factored in.

The data above shows that a 40-year-old driver could lower rates by $370 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $558 by changing to a $1,000 deductible. Young drivers, such as the 20-year-old example, have the ability to save $1,208 or even more by choosing a larger deductible amount.

When raising deductibles, it is a good idea to have plenty of money set aside to be able to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Get discount Tulsa car insurance rates

Insurance for drivers in Tulsa in Tulsa, OKInsurers that offer quotes in Tulsa may have premium discounts that may potentially lower prices by 35% or more if you qualify. A few popular companies and some of the premium reductions they offer are included below.

The diagram below shows the difference between car insurance costs with and without discounts applied to the premium. The information is based on a male driver, no violations or accidents, Oklahoma state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with homeowner, multiple policy, marriage, passive restraint, accident-free, and anti-theft discounts applied. When these discounts are applied, theaverage yearly reduction on insurance in Tulsa is 28% or $713.

How to find budget-friendly car insurance in Tulsa

The list below shows many thrifty ideas that can help Oklahoma drivers quote lower-cost car insurance.

The last item on the list is incredibly necessary, as we emphasized in the prior article. Auto insurance prices fluctuate constantly, so don’t be afraid to buy from a different company if a cheaper price is available. Many drivers have brand loyalty and that’s fine, but is isn’t recommended if that inflexibility results in costing you a lot of money every month. Take a couple minutes and shop around and find cheaper car insurance in Tulsa in Tulsa.

The insurance agents in Tulsa listed below can answer your questions and help you decide which car insurance company is the best fit, as some drivers have questions and prefer to have a professional recommendation when comparing insurance rates in Tulsa. It’s not always easy to find the best coverage yourself, and professional agents can add satisfaction knowing you have adequate protection. To locate a Tulsa auto insurance agent by location nearest to you, click the link after the list.

Find a Tulsa, OK insurance agent near you