How to lower car insurance costs in Tulsa
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers a set of discounts, but the exact discount offered varies by company. Some common discounts include:
- Good driver discounts. Keeping a clean driving record and/or going a certain number of years without an at-fault accident could help you qualify for a discount from your provider.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts. Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
How to find the cheapest car insurance in Tulsa
On average, auto insurance in Tulsa costs about $92 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. In Tulsa drivers pay 25% less than the national average.
Smart car insurance shoppers in Tulsa, Oklahoma come to Jerry every month, because Jerry makes it easy for customers to compare and buy car insurance policies. Below are some cheapest car insurance quotes Jerry found for our Tulsa customers.
|
Insurance Company
|
Age
|
Zip Code
|
Premium (monthly)
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Bristol West | 18 | 74146 | $391 | Dodge Charger Sxt | State Minimum | No |
| National General | 37 | 74136 | $119 | Nissan Pathfinder Platinum | State Minimum | No |
| Progressive | 33 | 74135 | $99 | Nissan Rogue Sv | State Minimum | Yes |
| Progressive | 43 | 74114 | $182 | Chevrolet Malibu Ls | 50/100 | Yes |
| Bristol West | 26 | 74134 | $568 | Chrysler 200 | State Minimum | Yes |
Best car insurance companies in Tulsa
There is no single best car insurance company for everyone. The most important reason is that every customer gets different car insurance quotes based on their profile—meaning that the most affordable company is different for everyone.
Besides price, you also need to consider factors such as claims handling and customer service.
To help drivers better compare the cheapest car insurance companies, Jerry conducted the largest insurance survey in the nation—and what we found surprised us. While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.
The table below shows how drivers in Tulsa rate different companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Farmers | 4.7 | 3.7 | N/A | 4.3 |
| State Farm | 4.5 | 3.2 | N/A | 4.5 |
| Progressive | 4.4 | 4 | 4.5 | 4.2 |
| Allstate | 4 | 4 | 3 | 4.2 |
| Geico | 3.7 | 2.4 | 3.7 | 4 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Tulsa
Oklahoma has a minimum liability insurance requirement, which is the minimal amount of car insurance you need to have in Tulsa and gives you the cheapest rate. But minimum liability often isn’t enough coverage: you should consider getting full coverage if you want to cover the repair or replacement costs for your own car.
Cheap minimum liability insurance quotes in Tulsa
In order to legally hit the road, Tulsa drivers need to meet Oklahoma minimum coverage limits for bodily injury liability and property damage liability
In Oklahoma, drivers must carry liability insurance that consists of at least:
- Bodily injury liability coverage: $25,000 per person, $50,000 per accident
- Property damage liability coverage: $25,000 per accident
This minimum required coverage is often referred to as 25/50/25.
With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving.
Do you need more than minimum coverage in Tulsa?
Most drivers will benefit from having higher coverage limits than Oklahoma’s 25/50/25 required minimum.
The reason why: Moderate to severe accidents can come with costs that easily exceed these minimum liability limits. In an at-fault accident, you’d be responsible for covering those costs yourself.
This could be especially true if you cause serious injuries to another person. If someone’s car is totaled, the cost to replace it could be more than $40,000.
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Tulsa
Full coverage car insurance is the only way to protect yourself from costs associated with repairing or replacing your car.
Full coverage includes comprehensive and collision coverage.
- Collision coverage covers the cost of fixing or replacing your car after an accident
- Comprehensive coverage pays out if your car is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters
If you have a loan on the car, your lender will typically require collision and comprehensive coverage.
On top of a full-coverage policy, you can purchase uninsured motorist coverage to guard against uncovered injuries or damage in an accident caused by a driver without car insurance.
Jerry has helped customers obtain full coverage quotes that won’t break the bank, like the quotes in the table below.
|
Insurance Company
|
Age
|
Zip Code
|
Premium (monthly)
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Progressive | 33 | 74135 | $99 | Nissan Rogue Sv | State Minimum | Yes |
| Progressive | 43 | 74114 | $182 | Chevrolet Malibu Ls | 50/100 | Yes |
| Bristol West | 26 | 74134 | $568 | Chrysler 200 | State Minimum | Yes |
| Progressive | 30 | 74115 | $100 | Mazda Cx-5 Touring | State Minimum | Yes |
| Gainsco | 47 | 74108 | $191 | Buick Encore Essence | State Minimum | Yes |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry, a top insurance agency, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Average cost of car insurance in Tulsa
By helping lots of drivers in Tulsa find car insurance, we found that the average cost for minimum liability coverage is $92 per month or $1,104 per year. The average cost for full coverage insurance in Tulsa is $150 per month or $1,800 per year.
While average insurance rates can help you predict your own insurance costs, it’s important to note that each driver’s insurance premium is calculated based on many factors such as the type of car, driving record, claims history, and demographics.
Average cost of car insurance in Tulsa by zip code
Even within the same city, car insurance rates can still vary based on where you live.
Neighborhoods that have a greater incidence of auto theft, car accidents, and other situations that can lead to insurance claims will be flagged as “high-risk.” Drivers living in these neighborhoods tend to pay more than people in other areas of the city.
Take a look at some quotes real policyholders found using Jerry.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| 74011 | $61 | $151 |
| 74012 | $80 | $160 |
| 74014 | $89 | $153 |
Car insurance quotes in Tulsa by rating factors
Insurance companies in Tulsa use many rating factors when deciding your auto insurance premium:
- Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets.
- Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.
- The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
- How you use your car: Insurance companies often charge more if you drive your car to and from work than use it for leisure.
Cheap car insurance quotes in Tulsa after driving violations
Your Oklahoma driving history impacts your auto insurance quotes. If insurance companies notice a history of violations, they’ll see you as a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Tulsa after DUI
In Tulsa, a DUI violation can increase your insurance rate by as much as 22%. If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another. You may need to compare rates from many insurance companies to find low-cost options after a DUI.
Jerry has helped many Tulsa drivers obtain affordable auto insurance rates after a DUI.
Cheapest car insurance in Tulsa after an at-fault accident
One of the most important factors affecting car insurance rates is your car accident or claim history. For Tulsa drivers, car accidents could result in an average rate increase of 15%.
Oklahoma is an at-fault state. If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Take a look at the table below to see how Jerry has helped many Tulsa drivers save on car insurance after accidents.
|
Accident Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| At Fault With No Injury | Bristol West | $568 | 26 | 74134 | Chrysler 200 | State Minimum | Yes |
| At Fault With No Injury | Bristol West | $107 | 41 | 74106 | Ford Explorer Limited | State Minimum | No |
| Not At Fault | Bristol West | $184 | 44 | 74108 | Nissan Versa Sv | State Minimum | No |
| Not At Fault | Gainsco | $191 | 47 | 74108 | Buick Encore Essence | State Minimum | Yes |
| At Fault With No Injury | National General | $124 | 26 | 74129 | Ford Escape Xlt | State Minimum | No |
Cheapest car insurance in Tulsa after other driving violations
In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your in car insurance costs to increase in Tulsa.
We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance.
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Other Minor | Bristol West | $568 | 26 | 74134 | Chrysler 200 | State Minimum | Yes |
| Failure to Obey Signal | Progressive | $151 | 47 | 74128 | Chevrolet Malibu Lt | State Minimum | Yes |
| Other Minor | National General | $142 | 28 | 74133 | Chevrolet Silverado K2500Hd | State Minimum | No |
| Improper Passing | National General | $652 | 39 | 74133 | Ford Fusion Se | State Minimum | Yes |
| Other Minor | National General | $238 | 38 | 74136 | Lexus Es 350 | State Minimum | Yes |
Cheap car insurance quotes in Tulsa by age
Young drivers pay very high insurance rates due to limited driving experience. Rates usually drop around the age of 25 before rising again around age 75.
Cheapest car insurance in Tulsa for young drivers
Teen drivers from ages 16 to 19 typically pay the highest rates for car insurance in Tulsa. This is because teen drivers are more likely to get into accidents due to their limited driving experience.
It’s therefore a good idea to ensure teen drivers have the protection of full coverage insurance—especially if they’re driving a newer vehicle. To keep those teen car insurance rates lower, consider keeping young drivers on a parent or guardian’s policy.
Cheapest car insurance in Tulsa for senior drivers
Although they have a wider range of driving experience, senior drivers are more likely to get into car accidents that result in serious injuries and high medical bills. For this reason, older drivers may see a rise in their insurance rates once they reach 70 to 75 years old.
Cheap car insurance quotes in Tulsa based on insurance history
An important factor in your car insurance rates is your insurance history—i.e., whether you are currently insured or not. Any lapse in your insurance coverage usually leads to an increase in car insurance rates.
To help our customers make insurance payments on time and to avoid a lapse in coverage, Jerry sends payment reminders for upcoming and overdue payments.
We have helped many customers who are currently not insured or have had a lapse in coverage find savings on a new auto insurance policy.
|
Credit Range
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| 550-659 | National General | $119 | Ralph, 37, Tulsa, OK | Nissan Pathfinder Platinum | State Minimum | No |
| 550-659 | Progressive | $99 | Francis, 33, Tulsa, OK | Nissan Rogue Sv | State Minimum | Yes |
| <550 | Progressive | $182 | Antonio, 43, Tulsa, OK | Chevrolet Malibu Ls | 50/100 | Yes |
| 660-750 | Bristol West | $568 | Lida, 26, Tulsa, OK | Chrysler 200 | State Minimum | Yes |
| <550 | Bristol West | $107 | Vera, 41, Tulsa, OK | Ford Explorer Limited | State Minimum | No |
Cheap car insurance quotes in Tulsa for popular cars
The type of car you drive is a major rating factor in car insurance premiums. Costs associated with the type of car include the cost of repairs or replacements, likelihood of theft, and the overall safety record of the vehicle.
Popular car models in Tulsa include:
- Ford F-150
- Honda Accord
- Honda Civic
- Chevrolet Silverado 1500
- Ram 1500
- GMC Sierra
- Jeep Cherokee
Check out real quotes drivers found with some of the most popular cars in the state.
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Chevrolet Silverado K2500Hd | National General | $142 | 28 | 74133 | State Minimum | No |
| Honda Civic Hybrid | Progressive | $165 | 21 | 74105 | State Minimum | Yes |
| Dodge Ram 1500 St | The General | $433 | 31 | 74128 | State Minimum | Yes |
| Honda Civic Lx | National General | $243 | 25 | 74110 | State Minimum | Yes |
| Honda Civic Ex-L | Progressive | $128 | 25 | 74107 | State Minimum | No |
Learn more: How to get car insurance before buying a car
FAQ
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Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car. Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
