Cheap Car Insurance in Tulsa, OK
Oklahoma’s second-largest city, Tulsa, is a remarkable sight. Equally historic and cosmopolitan, Tulsa is home to Blue Dome Entertainment District with its thriving nightlife and the Gilcrease Museum that pays tribute to the American West.
Some of the city’s most popular attractions include the Tulsa Zoo, Tulsa Air and Space Museum & Planetarium, Philbrook Museum of Art and the 110,000-square-foot Hard Rock Hotel and Casino.
Car insurance is required in Oklahoma. Keep reading to learn more about car insurance in Oklahoma and Tulsa’s average rates.
Quick Facts
- Tulsa is the 47th most populous city in the United States.
- Tulsa was incorporated on January 18, 1898.
- The name “Tulsa” means “the old town” in the Muscogee language.
- Tulsa’s Gilcrease Museum has a collection of more than 350,000 objects.
- Clinton Riggs, a Tulsa police officer, invented the “yield” road sign.
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How Much Does Car Insurance Cost in Tulsa, Oklahoma?
On average, Tulsa drivers pay a monthly premium of $179 for full coverage car insurance, a little higher than the state average of $156 and quite a bit higher than the national average of $140.
When it comes to the cheapest car insurance in Tulsa, the state-required minimum liability car insurance, Tulsa drivers pay an average of $48 monthly. That compares to the state average of $35 and the national average of $47.
Motorists who live in congested places where traffic accidents are more frequent and vehicle crime is more frequent can expect to pay higher premiums than their neighbors who live in rural areas.
How does Tulsa compare with other cities in Oklahoma? Check out our breakout of average monthly car insurance costs for other cities in Oklahoma.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Tulsa | $179 | $48 |
| Norman | $156 | $42 |
| Oklahoma City | $172 | $47 |
| Shawnee | $154 | $37 |
Affordable Car Insurance Rates by Zip Code in Tulsa
Don’t expect residents of one Tulsa zip code to pay the same premiums as residents in other zip codes. The volume of claims, theft, vandalism, and other high-risk driving behaviors contribute to a zip code’s risk profile.
For the average monthly car insurance prices by zip code in Tulsa, see our breakdown below.
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 74012 | $161 | $46 |
| 74101 | $179 | $48 |
| 74102 | $179 | $48 |
| 74103 | $175 | $47 |
| 74104 | $171 | $46 |
| 74105 | $169 | $48 |
| 74106 | $178 | $47 |
| 74107 | $165 | $44 |
| 74108 | $166 | $45 |
| 74110 | $179 | $48 |
| 74112 | $169 | $47 |
| 74114 | $169 | $47 |
| 74115 | $177 | $48 |
| 74116 | $166 | $42 |
| 74117 | $171 | $43 |
| 74119 | $170 | $46 |
| 74120 | $172 | $46 |
| 74126 | $172 | $44 |
| 74127 | $172 | $44 |
| 74128 | $171 | $45 |
| 74129 | $170 | $48 |
| 74130 | $172 | $44 |
| 74131 | $163 | $43 |
| 74132 | $164 | $44 |
| 74133 | $166 | $47 |
| 74134 | $171 | $48 |
| 74135 | $169 | $47 |
| 74136 | $166 | $47 |
| 74137 | $167 | $47 |
| 74145 | $169 | $47 |
| 74146 | $172 | $48 |
| 74147 | $179 | $48 |
| 74149 | $179 | $48 |
| 74158 | $179 | $48 |
| 74159 | $179 | $48 |
| 74171 | $164 | $42 |
| 74182 | $179 | $48 |
| 74187 | $179 | $48 |
Low-Cost Car Insurance Rates by Age in Tulsa
Since young drivers have not established a driving history and they belong to a group of drivers who have more accidents and tickets than other groups, their insurance rates are higher. Parents can find car insurance for young drivers by doing their research.
For the average car insurance prices by age in Tulsa, see our breakdown below:
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $664 | $216 |
| 20s | $244 | $71 |
| 30s | $179 | $48 |
| 40s | $175 | $47 |
| 50s | $163 | $45 |
| 60s | $164 | $47 |
| 70s | $187 | $60 |
Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by Oklahoma. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.
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Driving Conditions in Tulsa, Oklahoma
How Many Fatal Accidents Happen in Tulsa?
In 2019, there were 36 fatal road traffic accidents in Tulsa. Of these accidents, 47 people were involved, involving 67 people, including 20 pedestrians.
How Are the Road Infrastructure and Bridges in Tulsa?
Tulsa’s Public Works department works to maintain all roads and infrastructure in the city. Some areas they focus on include but are not limited to roads, bridges, highways, and public and public utilities. As of this writing, the Vision Tulsa economic development projects oversee many projects, including developing a multi-modal transit hub.
For more information on Tulsa’s Engineering Services, visit City of Tulsa – Engineering Services.
Minimum Car Insurance Requirements in Tulsa, OK
All Tulsa drivers must carry the following state minimum liability auto insurance limits:
- Bodily injury liability coverage: $25,000 per person/ $50,000 per accident
- Property damage liability coverage: $25,000
Oklahoma is an at-fault state, which means the driver determined to be at fault for an accident is the one who covers the cost of injuries and damages resulting from an accident. Therefore, we highly recommend a full coverage policy with collision auto insurance and comprehensive car insurance over a state minimum liability policy, as it offers greater protection. Oklahoma also has a high number of uninsured drivers. Uninsured motorist coverage is cheap and offers protection if you get in an accident with one of these drivers.
If you fail to carry insurance in the state, it may impose fines and suspensions.
What Are the Penalties for Driving Without Insurance in Tulsa, Oklahoma?
Driving without insurance in Oklahoma is not a good idea.
If you are caught driving without insurance in Oklahoma, expect a driver’s license/registration suspension, a $250 fine, and no more than 30 days in jail, depending on the situation. There is also a $275 reinstatement fee and a $125 administrative fee.
Luckily, unlike most states, you will not need to file an SR-22 form, proving to the state that you carry the minimum required insurance. However, your premiums will remain elevated for at least three years as a result.
Factors Allowed in Tulsa Car Insurance Rates
Many factors are used to determine how much Tulsa drivers pay in premiums.
These factors include, but are not limited, to:
- Driving record and claims history
- Physical location
- Gender
- Age
- Marital status
- Type of vehicle
- Credit score
- Annual miles driven
Many factors go into how a car insurance company determines your rates. Since it is highly unique to you, your premium is specific to your circumstances.
Discounts for Car Insurance in Tulsa, OK
Tulsa drivers can take advantage of the following car insurance discounts:
It’s good to call your insurance provider, especially as there are changes to your life. For example, driving an older make and model vehicle can help you save money on your annual premiums due to the cheaper cost of parts and labor. Other non-driving record-related actions include installing an anti-theft device or being a loyal customer.
Get an Online Quote for Low-Cost Car Insurance in Tulsa Today!
All Tulsa drivers deserve an affordable auto insurance policy. Whether it’s a lower-cost state minimum liability policy or a full coverage policy, Freeway Insurance agents stand by, ready to assist.
Getting started is easy. Request a fast and free online car insurance quote, visit us at a Tulsa location near you, or call us at 800-777-5620. Contact us today!