Best Cheap Auto Insurance in Tulsa for 2021

We analyzed 2020 rates to find the best cheap car insurance for drivers in Tulsa.

Andrew MarderDec 11, 2020
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On average, Tulsa auto insurance costs $1,839 a year, NerdWallet’s 2021 rates analysis found. That’s $92 above the Oklahoma average and $245 more than the average cost of car insurance nationwide.

Those average rates are based on a 40-year-old with a clean driving record, buying full coverage car insurance. Depending on your car, driving history and insurance company, you might be paying well over the average.

If you’d rather keep some of those dollars in your pocket, make sure to compare car insurance rates before you buy. We analyzed rates in the Tulsa metro area from 14 insurers in Oklahoma for several types of drivers, looking for Tulsa auto insurance rates that were cheaper than the Oklahoma average.

Shopping around is essential, because every driver is different, and your actual rate will vary from the prices shown here. Here are the five cheapest options we found for drivers in the Tulsa metropolitan area.

Cheapest for 20-year-old drivers in Tulsa

Drivers in their 20s may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage in Tulsa for 20-year-olds

Drivers in Tulsa with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Geico: $1,576 per year.

  2. American Farmers & Ranchers: $2,238 per year.

  3. State Farm: $3,186 per year.

  4. Oklahoma Farm Bureau: $3,448 per year.

  5. Farmers: $3,459 per year.

Cheapest minimum coverage in Tulsa for 20-year-olds

Drivers in Tulsa who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Geico: $511 per year.

  2. American Farmers & Ranchers: $600 per year.

  3. Allstate: $867 per year.

  4. State Farm: $947 per year.

  5. Progressive: $1,074 per year.

Cheapest coverage for 20-year-olds with poor credit in Tulsa

Drivers with poor credit in Tulsa should look at the following insurers with the lowest average rates for minimum coverage:

  1. Geico: $727 per year.

  2. American Farmers & Ranchers: $933 per year.

  3. Allstate: $1,085 per year.

  4. Equity: $1,248 per year.

  5. Oklahoma Farm Bureau: $1,252 per year.

Cheapest for 20-year-old drivers with one at-fault crash in Tulsa

For drivers with a recent accident in Tulsa, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $834 per year.

  2. American Farmers & Ranchers: $1,084 per year.

  3. Allstate: $1,166 per year.

  4. State Farm: $1,258 per year.

  5. Equity: $1,393 per year.

Cheapest insurance for 20-year-old drivers after a DUI in Tulsa

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Geico: $991 per year.

  2. Allstate: $1,148 per year.

  3. Progressive: $1,213 per year.

  4. American Farmers & Ranchers: $1,315 per year.

  5. Mercury: $1,386 per year.

Cheapest for 30-year-old drivers in Tulsa

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage in Tulsa for 30-year-olds

Drivers in Tulsa with clean driving records may get the lowest rates from these companies:

  1. Geico: $985 per year.

  2. American Farmers & Ranchers: $1,621 per year.

  3. Farmers: $1,643 per year.

  4. Progressive: $1,704 per year.

  5. Oklahoma Farm Bureau: $1,729 per year.

Cheapest minimum coverage in Tulsa for 30-year-olds

Drivers in Tulsa who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Geico: $296 per year.

  2. American Farmers & Ranchers: $364 per year.

  3. State Farm: $415 per year.

  4. Farmers: $456 per year.

  5. Oklahoma Farm Bureau: $489 per year.

Cheapest coverage for 30-year-olds with poor credit in Tulsa

Drivers with poor credit in Tulsa should consider the following companies with the lowest average rates for full coverage:

  1. Geico: $1,456 per year.

  2. Oklahoma Farm Bureau: $1,923 per year.

  3. American Farmers & Ranchers: $2,527 per year.

  4. Farmers: $2,596 per year.

  5. Mercury: $2,868 per year.

Cheapest for 30-year-old drivers with one at-fault crash in Tulsa

For drivers in Tulsa with a recent accident, here are the lowest average rate options for full coverage:

  1. Geico: $1,759 per year.

  2. Oklahoma Farm Bureau: $1,880 per year.

  3. State Farm: $2,244 per year.

  4. Farmers: $2,287 per year.

  5. American Farmers & Ranchers: $2,792 per year.

Cheapest insurance for 30-year-old drivers after a DUI in Tulsa

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Geico: $1,858 per year.

  2. Progressive: $2,104 per year.

  3. Farmers: $2,170 per year.

  4. State Farm: $2,530 per year.

  5. Mercury: $2,574 per year.

Cheapest for 40-year-old drivers in Tulsa

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage in Tulsa for 40-year-olds

Drivers in Tulsa with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Geico: $973 per year.

  2. American Farmers & Ranchers: $1,621 per year.

  3. Progressive: $1,654 per year.

  4. Farmers: $1,658 per year.

  5. Shelter: $1,721 per year.

Cheapest minimum coverage in Tulsa for 40-year-olds

Drivers in Tulsa who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Geico: $294 per year.

  2. American Farmers & Ranchers: $364 per year.

  3. State Farm: $408 per year.

  4. Farmers: $441 per year.

  5. Oklahoma Farm Bureau: $489 per year.

Cheapest coverage for 40-year-olds with poor credit in Tulsa

Drivers with poor credit in Tulsa can check out the following insurers with the lowest average rates for full coverage:

  1. Geico: $1,438 per year.

  2. Oklahoma Farm Bureau: $1,923 per year.

  3. American Farmers & Ranchers: $2,527 per year.

  4. Mercury: $2,636 per year.

  5. Farmers: $2,645 per year.

Cheapest for 40-year-old drivers with one at-fault crash in Tulsa

For drivers with a recent accident living in Tulsa, here are the companies with the lowest average rates for full coverage:

  1. Geico: $1,722 per year.

  2. Oklahoma Farm Bureau: $1,880 per year.

  3. State Farm: $2,183 per year.

  4. Farmers: $2,328 per year.

  5. American Farmers & Ranchers: $2,792 per year.

Cheapest insurance for 40-year-old drivers after a DUI in Tulsa

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Geico: $1,923 per year.

  2. Progressive: $2,052 per year.

  3. Farmers: $2,206 per year.

  4. Mercury: $2,409 per year.

  5. State Farm: $2,461 per year.

Cheapest for 50-year-old drivers in Tulsa

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of the best cheap car insurance companies is a good place to start.

Cheapest full coverage in Tulsa for 50-year-olds

Drivers in Tulsa with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Geico: $987 per year.

  2. Shelter: $1,464 per year.

  3. Progressive: $1,545 per year.

  4. Farmers: $1,550 per year.

  5. Mercury: $1,578 per year.

Cheapest minimum coverage in Tulsa for 50-year-olds

Drivers in Tulsa who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Geico: $300 per year.

  2. American Farmers & Ranchers: $356 per year.

  3. Farmers: $396 per year.

  4. State Farm: $398 per year.

  5. Mercury: $415 per year.

Cheapest coverage for 50-year-olds with poor credit in Tulsa

Drivers with poor credit in Tulsa can check with the following companies, which showed the lowest average rates for full coverage:

  1. Geico: $1,460 per year.

  2. Oklahoma Farm Bureau: $1,785 per year.

  3. Say Insurance: $2,292 per year.

  4. Mercury: $2,311 per year.

  5. Farmers: $2,485 per year.

Cheapest for 50-year-old drivers with one at-fault crash in Tulsa

For drivers living in Tulsa with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Oklahoma Farm Bureau: $1,744 per year.

  2. Geico: $1,976 per year.

  3. State Farm: $2,115 per year.

  4. Farmers: $2,258 per year.

  5. Shelter: $2,655 per year.

Cheapest insurance for 50-year-old drivers after a DUI in Tulsa

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Progressive: $1,949 per year.

  2. Geico: $2,041 per year.

  3. Farmers: $2,139 per year.

  4. Mercury: $2,226 per year.

  5. State Farm: $2,386 per year.

Cheapest for 65-year-old drivers in Tulsa

Although 65-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their mid-60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage in Tulsa for 65-year-olds

Drivers in Tulsa with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Geico: $1,019 per year.

  2. Shelter: $1,464 per year.

  3. Oklahoma Farm Bureau: $1,508 per year.

  4. Progressive: $1,541 per year.

  5. Farmers: $1,567 per year.

Cheapest minimum coverage in Tulsa for 65-year-olds

Drivers in Tulsa who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Geico: $332 per year.

  2. American Farmers & Ranchers: $364 per year.

  3. State Farm: $377 per year.

  4. Farmers: $411 per year.

  5. Oklahoma Farm Bureau: $440 per year.

Cheapest coverage for 65-year-olds with poor credit in Tulsa

Drivers with poor credit in Tulsa can look at the following companies with the lowest average rates for full coverage:

  1. Geico: $1,508 per year.

  2. Oklahoma Farm Bureau: $1,670 per year.

  3. Say Insurance: $2,292 per year.

  4. Shelter: $2,501 per year.

  5. American Farmers & Ranchers: $2,527 per year.

Cheapest for 65-year-old drivers with one at-fault crash in Tulsa

For drivers with a recent accident living in Tulsa, here are the companies with the lowest average rates for full coverage:

  1. Oklahoma Farm Bureau: $1,639 per year.

  2. State Farm: $1,992 per year.

  3. Geico: $2,090 per year.

  4. Farmers: $2,343 per year.

  5. Shelter: $2,655 per year.

Cheapest insurance for 65-year-old drivers after a DUI in Tulsa

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Geico: $2,020 per year.

  2. Progressive: $2,090 per year.

  3. Farmers: $2,221 per year.

  4. State Farm: $2,248 per year.

  5. Oklahoma Farm Bureau: $2,327 per year.

Cheapest for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 35 of the 40 driver profiles we examined.

Minimum required auto insurance in Tulsa

Car insurance policies in Tulsa and throughout Oklahoma must include liability insurance, which helps pay for others' property repairs or injury treatment if you cause an accident.

The minimum amounts your policy must include are:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per incident.

  • $25,000 property damage liability per incident.

While this is enough to drive legally, you may want more than the bare minimum. Check out NerdWallet's guide to minimum car insurance requirements by state for details on other coverages you can add and how their limits work.

Alternative auto insurance in Tulsa

If poor credit, a spotty driving record or other factors are preventing you from getting auto insurance on the voluntary market, you may qualify for coverage through the Oklahoma Automobile Insurance Plan.

NerdWallet can also help you find cheap auto insurance in Tulsa. Use our car insurance comparison tool to see rates from top companies.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in the Tulsa Metropolitan Statistical Area as defined by the U.S. Office of Management and Budget. The MSA encompasses seven Oklahoma counties:

  • Creek County.

  • Okmulgee County.

  • Osage County.

  • Pawnee County.

  • Rogers County.

  • Tulsa County.

  • Wagoner County.

Smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Some policies include additional coverages at the insurer’s discretion.

  • We used a 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

  • We analyzed rates for drivers 20 to 80 years old in five-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

These rates are estimates generated through Quadrant Information Services and do not reflect insurers’ proprietary pricing methods. Your own rates will be different.

Methodology

For our “good driver” profile, NerdWallet averaged rates from the largest insurers in the state for 40-year-old men and women in all ZIP codes with 12,000 annual miles driven. The policy includes:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

If required, minimum additional coverages were added and "good driver" discounts were automatically applied. Our “young driver” had all the same characteristics, but average rates were for 25-year-old men and women. We used a 2016 Toyota Camry LE for all single drivers. We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.

  • For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.

  • For drivers with a DUI, we added a single drunken driving violation.

Couples in our analyses were 50-year-old men and women with good credit and clean driving histories, averaged across all ZIP codes with the same policy outlined above. To see rates for families with a teen, we added an 18-year-old licensed two years ago, averaging rates for male and female teens. For couples and families we added a 2016 Nissan Rogue S to create a two-car household.

In all cases, a paperless discount, e-signature discount and electronic funds transfer discount were automatically applied. These are rates provided by Quadrant Information Services. Your own rates will be different.