Car Insurance for Tulsa in 2023

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Drivers in Tulsa pay an average of $2,723 per year for car insurance, but you might find cheaper coverage if you shop around.

By Andrew Marder 

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Residents of Tulsa, the first Oil Capital of the World, share at least one thing in common — they all need car insurance to drive legally. Whether you’re getting your kicks on Route 66 or driving to the Bob Dylan Center, car insurance provides financial peace of mind in the event of a wreck.

NerdWallet has compiled average car insurance rates in Tulsa to help you in your car insurance search. Use these averages as a baseline, since car insurance rates are highly personalized to each individual driver. Compare quotes from at least three insurance companies to be sure you’re getting the cheapest rate.

Read on to find out how auto insurance companies in Tulsa stack up. You can also check out our list of the cheapest car insurance companies nationwide.

Table of contents

To find the cheapest companies in Tulsa, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Tulsa driving a 2019 Toyota Camry L.

Cheapest car insurance companies in Tulsa

The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In Tulsa, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.

CompanyRateNerdWallet Rating
State Farm$1,609
NerdWallet rating 

5.0

/5
American Farmers & Ranchers$1,868Not yet rated
Progressive$2,066
NerdWallet rating 

5.0

/5
Shelter$2,092
NerdWallet rating 

4.5

/5
Mercury$2,260
NerdWallet rating 

4.0

/5
Geico$2,285
NerdWallet rating 

4.5

/5
Oklahoma Farm Bureau$2,364Not yet rated
Say Insurance$2,602Not yet rated
Equity$2,905Not yet rated
MetLife$3,547
NerdWallet rating 

4.5

/5

If you’re looking for cheap car insurance in Tulsa, Oklahoma, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in Tulsa — or anywhere.

Average car insurance cost in Tulsa and Oklahoma

Rates across Oklahoma differ from those in Tulsa for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet’s most recent analysis, the average rate in Oklahoma is $2,438, while in Tulsa, it's $2,723.

Average city rateAverage state rate
$2,723$2,438

No matter what company you're currently getting auto insurance from, remember that it's important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.

Average cost of car insurance in Tulsa’s largest ZIP codes

The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the most populated ZIP codes in Tulsa and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.

ZIP CodeAverage Rate
74133$2,725
74136$2,679
74137$2,682
74105$2,727
74115$2,797
74134$2,654
74112$2,739
74135$2,742
74107$2,729
74129$2,773

Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.

Cheap car insurance in Tulsa by age

Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.

You could easily find that the cheapest company for you changes as you age. Here's a breakdown of prices in Tulsa for similar drivers at various ages, according to NerdWallet’s most recent analysis.

Cheapest for 20-year-olds

While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here's what 20-year-olds in Tulsa pay, on average.

CompanyRateNerdWallet Rating
American Farmers & Ranchers$2,655Not yet rated
State Farm$3,523
NerdWallet rating 

5.0

/5
Progressive$3,776
NerdWallet rating 

5.0

/5
Geico$4,073
NerdWallet rating 

4.5

/5
Mercury$4,430
NerdWallet rating 

4.0

/5
Oklahoma Farm Bureau$4,894Not yet rated
Shelter$5,181
NerdWallet rating 

4.5

/5
Equity$5,353Not yet rated
Farmers$6,177
NerdWallet rating 

4.5

/5
Say Insurance$6,601Not yet rated

Cheapest for 35-year-olds

By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.

Here’s what 35-year-old drivers might pay, on average, in Tulsa, according to NerdWallet’s analysis.

CompanyRateNerdWallet Rating
State Farm$1,609
NerdWallet rating 

5.0

/5
American Farmers & Ranchers$1,868Not yet rated
Progressive$2,066
NerdWallet rating 

5.0

/5
Shelter$2,092
NerdWallet rating 

4.5

/5
Mercury$2,260
NerdWallet rating 

4.0

/5
Geico$2,285
NerdWallet rating 

4.5

/5
Oklahoma Farm Bureau$2,364Not yet rated
Say Insurance$2,602Not yet rated
Equity$2,905Not yet rated
MetLife$3,547
NerdWallet rating 

4.5

/5

Cheapest for 60-year-olds

At age 60, your car insurance rates are about as low as they're going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they're getting into and charge less accordingly. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Below are the cheapest companies, on average, in Tulsa, according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
State Farm$1,429
NerdWallet rating 

5.0

/5
Progressive$1,741
NerdWallet rating 

5.0

/5
Shelter$1,792
NerdWallet rating 

4.5

/5
American Farmers & Ranchers$1,840Not yet rated
Mercury$1,851
NerdWallet rating 

4.0

/5
Oklahoma Farm Bureau$2,094Not yet rated
Say Insurance$2,200Not yet rated
Geico$2,379
NerdWallet rating 

4.5

/5
Equity$2,687Not yet rated
MetLife$2,919
NerdWallet rating 

4.5

/5

Tulsa’s cheapest companies and rates by driving record

Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.

According to NerdWallet’s analysis, these are the average rates in Tulsa by company for good drivers and those with violations on their record.

Good drivers

Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in Tulsa according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
State Farm$1,609
NerdWallet rating 

5.0

/5
American Farmers & Ranchers$1,868Not yet rated
Progressive$2,066
NerdWallet rating 

5.0

/5
Shelter$2,092
NerdWallet rating 

4.5

/5
Mercury$2,260
NerdWallet rating 

4.0

/5
Geico$2,285
NerdWallet rating 

4.5

/5
Oklahoma Farm Bureau$2,364Not yet rated
Say Insurance$2,602Not yet rated
Equity$2,905Not yet rated
MetLife$3,547
NerdWallet rating 

4.5

/5

Drivers with a DUI

Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.

Here are the average rates for drivers with a DUI in Tulsa according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
State Farm$2,241
NerdWallet rating 

5.0

/5
Progressive$2,362
NerdWallet rating 

5.0

/5
Mercury$3,058
NerdWallet rating 

4.0

/5
Equity$3,138Not yet rated
Shelter$3,557
NerdWallet rating 

4.5

/5
Say Insurance$3,748Not yet rated
Oklahoma Farm Bureau$3,782Not yet rated
American Farmers & Ranchers$4,170Not yet rated
Allstate$4,928
NerdWallet rating 

4.5

/5
Farmers$5,151
NerdWallet rating 

4.5

/5

Drivers with an at-fault accident

If you've got an at-fault accident on your record, you'll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in Tulsa, according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
American Farmers & Ranchers$1,868Not yet rated
State Farm$1,989
NerdWallet rating 

5.0

/5
Oklahoma Farm Bureau$2,591Not yet rated
Progressive$3,060
NerdWallet rating 

5.0

/5
Equity$3,138Not yet rated
Say Insurance$3,236Not yet rated
Shelter$3,823
NerdWallet rating 

4.5

/5
Geico$3,885
NerdWallet rating 

4.5

/5
Mercury$4,030
NerdWallet rating 

4.0

/5
Hallmark Insurance$4,576Not yet rated

Minimum car insurance requirements in Oklahoma

In Oklahoma, you’ll need a minimum of $25,000 in bodily injury liability per person and $50,000 per accident, plus $25,000 in property damage liability per accident to drive legally. But you may want higher limits, especially if you spend significant time on the road, have a history of traffic violations or simply want more extensive financial protection.