How to get cheaper Tulsa car insurance rates

Saving money on car insurance in Tulsa, Oklahoma is not difficult, it just takes a few minutes to compare rates from insurance carriers.

  1. It's a great idea for drivers to learn about their insurance coverages, and you'll find that making small changes in driving habits or coverages can result in big reductions in policy premium.
  2. Compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from a single company like GEICO and State Farm, while independent agents can give you price quotes for a wide range of companies.
  3. Compare the quotes to your current policy premium to see if cheaper coverage is available. Not every company will be cheaper, but there is a good chance you will find several that are more affordable.
  4. If you find a lower rate and decide to switch companies, verify that coverage does not lapse between policies. Provide adequate notice to your current company to cancel your current policy. Submit a down payment and signed policy application for the new coverage. Once received, put the proof of insurance certificate in your vehicle.

When comparing price quotes from multiple companies, it's important to compare prices using the same deductibles and liability coverage limits. If those coverages are different, you cannot make an accurate decision on which car insurance is cheapest in Tulsa.

The cost of car insurance in Tulsa depends on a lot of variables, but one of the main factors that impact price is your choice of vehicle. The information below shows policy rates for some of the most popular vehicles insured in Tulsa.

Auto Insurance Rates for Popular Cars in Tulsa
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Ford Focus S 4-Dr Sedan $1,316 $658 $110
Ford Fusion SEL AWD 4-Dr Sedan $1,598 $799 $133
Honda Accord LX-P 4-Dr Sedan $1,142 $571 $95
Honda Civic EX-L 4-Dr Sedan $1,528 $764 $127
Hyundai Elantra SE Touring Station Wagon $1,264 $632 $105
Hyundai Sonata Limited 4-Dr Sedan $1,550 $775 $129
Kia Optima SX $1,550 $775 $129
Toyota Camry LE $1,350 $675 $113
Volkswagen Jetta SE 2.5 Station Wagon $1,388 $694 $116
Get a Custom Quote for Your Car Go

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price estimates do not factor in specific location information which can impact auto insurance rates greatly.

Insurance Rates for Popular Pickup Trucks in Tulsa
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 2500HD LT Extended Cab Diesel 2WD $1,674 $837 $140
Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD $1,632 $816 $136
Chevrolet Silverado LT Regular Cab $1,426 $713 $119
Dodge Ram 2500 Crew Cab Laramie 2WD $1,762 $881 $147
Dodge Ram Crew Cab ST 4WD $1,462 $731 $122
Ford F-150 FX4 4WD $1,386 $693 $116
Ford F-350 XL Crew Cab Cabela Package 2WD $1,508 $754 $126
GMC Sierra SLT Crew Cab 2WD $1,474 $737 $123
Toyota Tacoma Double Cab 4WD $1,350 $675 $113
Toyota Tundra Double Cab 4WD $1,462 $731 $122
Get a Custom Quote for Your Truck Go

Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rate quotes do not factor in specific Tulsa garaging location which can affect coverage prices substantially.

Car Insurance Rates for Popular SUVs and Crossovers in Tulsa
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura RDX AWD $1,264 $632 $105
Cadillac Escalade Platinum Edition 2WD $1,904 $952 $159
Chevrolet Suburban LTZ 2WD $1,474 $737 $123
Chevrolet Traverse LS AWD $1,212 $606 $101
Ford Escape XLT 4WD $1,176 $588 $98
Ford Explorer XLT AWD $1,262 $631 $105
GMC Acadia SLT AWD $1,386 $693 $116
GMC Terrain SLE 2WD $1,264 $632 $105
Honda CR-V EX-L 4WD $1,176 $588 $98
Honda Pilot EX 2WD $1,298 $649 $108
Jeep Grand Cherokee Laredo 2WD $1,350 $675 $113
Subaru Forester X Premium AWD $1,300 $650 $108
Toyota 4Runner Sport 4WD $1,300 $650 $108
Toyota Highlander Sport 2WD $1,386 $693 $116
Toyota RAV4 Limited 2WD $1,350 $675 $113
Get a Custom Quote for Your SUV or Crossover Go

Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price information does not factor in specific zip code location which can affect rates greatly.

Car insurance policy discounts save money

The example below illustrates the comparison of insurance rates with and without discounts applied to the rates. Data assumes a male driver, no claims or driving citations, Oklahoma state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, homeowner, multi-policy, safe-driver, and claim-free discounts applied.

AUTO INSURANCE FACT
Tulsa drivers can save as much as $450 a year or more on auto insurance by shopping around.

Start Your Free Quote Now

Tulsa, Oklahoma Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
Compare Rates Now Go
Top 10 cheapest vehicles to insure in Tulsa, OK
Honda Fit
Hyundai Accent
Mini Cooper
Honda Accord
Kia Rondo
Mazda MX-5 Miata
Ford Escape
Chrysler PT Cruiser
Hyundai Elantra
Honda CR-V
Top 10 most expensive vehicles to insure in Tulsa, OK
Mercedes-Benz CL65 AMG
Mercedes-Benz S65 AMG
Audi R8
Mercedes-Benz CL600
Mercedes-Benz CL63 AMG
BMW 760L
Mercedes-Benz S600
BMW M6
Mercedes-Benz S63 AMG
Mercedes-Benz CL550
Top 10 safest vehicles to insure in Tulsa, OK
Chevrolet Silverado
Volvo XC60
Jeep Grand Cherokee
Jeep Liberty
Ford Escape
GMC Sierra
Ford F-150
Chevrolet Suburban
Ford Expedition EL
GMC Sierra 2500HD