Cheapest Car Insurance in Tulsa, Oklahoma

Car insurance costs an average of $214 per month in Tulsa — slightly more than the Oklahoma state average of $206. While liability-only coverage averages just $168 per month, if you want full coverage in Oklahoma’s second-largest city, you’ll pay considerably more — $253 on average.

Comparing insurance quotes online will save you time and help you narrow down the cheapest car insurance in Tulsa. Continue reading to learn more about which factors affect car insurance costs in Tulsa and which companies have more affordable insurance options.

What does car insurance cost in Tulsa?

Insurance costs vary widely in Tulsa, which is why gathering custom quotes will help you understand what you might pay. On average, the monthly car insurance premium in Tulsa is $168 for liability only and $253 for full coverage, which includes comprehensive and collision coverage as well as liability.

Certain factors affect car insurance premiums, including your:

• Age and gender

• Driving record (history of accidents or violations)

• Location

• Vehicle type

• Credit score

• Insurance claims history

Each insurer weighs these factors differently when determining premium rates, which is why some offer better prices for Tulsa drivers than others. Insurify’s data scientists have analyzed the latest insurance rates in the city to help you identify the cheapest quotes in your area.

• Safeco has the cheapest liability-only insurance coverage in Tulsa, at just $86 per month.

• Traders has the cheapest full-coverage insurance in Tulsa for $152 per month.

• Traders also has the cheapest insurance for new and young drivers in Tulsa for $174 per month.

Learn More: Cheap Car Insurance in Oklahoma

Traders has the cheapest car insurance in Tulsa

Traders has an average monthly car insurance premium of just $141 per month in Tulsa, making it the city’s cheapest insurance company for both liability-only and full-coverage policies. Traders is a privately owned regional insurance provider that mainly serves customers in the Midwest. The company has been around since 1976 and is known for providing affordable auto insurance solutions through partnerships with several independent agents.

Location is an important factor to consider when shopping for insurance. Tulsa lands in the top 50 U.S. cities by size, at No. 47, so while it’s not one of the largest cities, it’s still sizable. The population, crime rates, and weather conditions can directly affect car insurance premiums.

Insurers also consider the cost and frequency of litigation in a particular area and factor this into premium rates. Below are the cheapest companies for car insurance in Tulsa.

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists and insurance experts weigh multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.

How much car insurance do you need in Tulsa?

Oklahoma requires minimum car insurance coverage or liability insurance. But this may not cover all your expenses, especially if you’re looking to repair your car after an accident, theft, or vandalism.

The state has an online insurance verification system to verify that vehicles are insured and meet the minimum coverage requirements. To avoid fines and penalties, you’ll need to have proof of insurance for routine traffic stops and to renew your license, as well as worst-case scenarios like a car accident.

In Oklahoma, the minimum insurance requirements are 25/50/25 or:

• $25,000 per person of bodily injury protection

• $50,000 per accident of bodily injury

• $25,000 of property damage protection

Bodily injury protection is a major part of your liability insurance that covers medical bills for other people who are injured in a car accident. This protection doesn’t extend to the policyholder but is meant to cover costs for the other driver and any of their passengers when you (the policyholder) are at fault for the accident.

Property damage protection pays for repairs to someone else’s damaged property, including another driver’s car, if you’re found at fault for the accident.

Liability coverage is better than having no coverage, but it will only cover damage to the other person’s vehicle and their medical costs after an accident. If property damage exceeds $25,000, you’ll have to pay out of pocket for the remaining expenses.

Take Note: Although Oklahoma requires 25/50/25 liability insurance, it’s far less than the commonly recommended amounts of 100/300/100.

State DMV information

The Oklahoma Department of Public Safety provides driver’s license and renewal services. With dozens of locations across the state, you can visit your local office for driver’s license testing, title services, specialty licenses, and license reinstatement. You can complete some services online as well for added convenience.

How to get cheap car insurance in Tulsa, Oklahoma

You can do a few things to get cheap car insurance in Tulsa. Keeping a clean driving record is always helpful, so try to avoid getting traffic tickets and other violations. Insurers also look at your credit score, so continue to use credit wisely and pay bills on time.

Bundling car insurance with homeowners or renters insurance may help you get a discount on your premium. Many insurers also offer other discounts as well for having anti-theft devices or good grades for students. You can even get a claims-free discount if you renew your policy without filing a claim.

Comparison shopping is the best way to get cheap car insurance since you can gather quotes from multiple insurance companies. You can do this online and compare options side by side based on the coverage features you’re looking for.

Read More: Compare Home and Auto Insurance Bundles

The effect of age on car insurance rates in Tulsa

Age affects car insurance rates because insurers associate age with experience. The more years of driving you have under your belt, the more likely you are to get a lower premium than someone younger — especially if you’ve maintained a clean driving record.

Here’s how age affects the average monthly car insurance premium in Tulsa.

Cheapest car insurance for young drivers in Tulsa

Young drivers don’t have as much experience on the road and tend to get into more accidents, which leads to filing more insurance claims. To account for this risk, many insurance companies charge younger drivers more. Here are some top quotes for young drivers in Tulsa.

Cheapest car insurance for middle-aged drivers in Tulsa

Once you’re older than 25, your premiums will probably begin to fall. Still, an at-fault accident or driving violation like speeding could increase your rates, regardless of your age and experience level. Here’s what middle-aged drivers in Tulsa may pay for car insurance.

Cheapest car insurance for senior drivers in Tulsa

Generally, senior drivers enjoy the lowest insurance rates. This may be because they tend to drive less than working-age people and because they have more years of driving experience. Here’s a look at insurance rates for senior drivers in Tulsa.

How credit scores affect cheap car insurance in Tulsa

Most insurers look at your credit score when you apply for car insurance to see how well you pay your bills on time. And while some states prohibit insurers from considering credit scores when setting premiums, Oklahoma permits this practice. Insurers generally view a good credit score as an indication that you manage money well and would likely pay an insurance premium on time, too.

You also have an insurance credit score that gives a rating based on how many claims you’ve filed in the past. To insurers, your personal credit helps prevent delinquency, while your insurance credit score helps predict insurance losses. When your credit score is lower, insurers charge a higher rate to protect their risk level.

Your personal credit score is a three-digit number that ranges from 300 (the lowest) to 850 (the highest possible score). Credit score ranges depend on the scoring model used, but according to Equifax:

• 740 and up is considered very good or excellent

• 670 to 739 is good

• 580 to 669 is fair

• Below 580 is poor or subprime credit

A credit score makes a noticeable difference in car insurance premiums. Here are average monthly quotes for a full-coverage policy in Tulsa, OK, based on credit score.

Read Next: Car Insurance Rates by Credit Tier

How driving habits affect car insurance rates in Tulsa

• Cheapest liability-only car insurance in Tulsa: Farmers

• Cheapest full-coverage car insurance in Tulsa: Travelers

• Cheapest car insurance with an accident in Tulsa: Progressive

• Cheapest car insurance with a DUI in Tulsa: Progressive

• Cheapest car insurance with a speeding ticket in Tulsa: Safeco

Insurance companies look at your driving record closely to see if your past habits would likely lead to you filing a claim. Speeding tickets, moving violations, and DUIs (driving under the influence) within the past three to five years all cause your car insurance premium to rise.

Accidents also impact your car insurance premiums, especially if you’re found at fault. While it’s always good to report an accident, when you make a claim with your insurance company, this goes on record and affects your insurance history.

Some insurance companies may even decide not to renew your policy depending on the severity of the accident. For example, driving while under the influence of alcohol and getting into an accident could lead to the nonrenewal of your policy.

Keeping a clean driving record by driving safely and obeying traffic laws will reduce your chances of getting a ticket or getting into an accident where you’re at fault.

Here’s how some bad driving habits affect car insurance rates with certain companies, compared to driving with a clean record. Take note that some companies won’t offer a policy to people with certain offenses on their records.

Car insurance in other Oklahoma cities

Check out car insurance rates in these other Oklahoma cities:

• Cheap Auto Insurance Quotes in Oklahoma City, OK

• Cheap Auto Insurance Quotes in Bartlesville, OK

• Cheap Auto Insurance Quotes in Bixby, OK

• Cheap Auto Insurance Quotes in Lawton, OK

• Cheap Auto Insurance Quotes in Muskogee, OK

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