Car Insurance Quotes Tulsa
Car Insurance Quotes Tulsa
The cost of car insurance in Tulsa, Oklahoma, is a significant concern for many drivers. The average Tulsa driver pays $175 per month, which translates to $1,047 for a six-month policy. This is higher than both the national average of $742 and the Oklahoma state average of $946 for the same six-month period. The location within Tulsa also impacts car insurance rates. Different ZIP codes may have varying rates of accidents, thefts, and vandalism, which can lead to higher premiums for residents in those areas. rates in the 74133 ZIP code average around $3,069 annually, while in the 74107 ZIP code, the average is approximately $2,989. These differences underscore the importance of considering location when comparing car insurance quotes.
Despite the relatively high average cost of car insurance in Tulsa, several companies offer more affordable options. In 2025, USAA is the cheapest option, with six-month policies as low as $680. However, USAA eligibility is restricted to military members and their families. Other affordable options include Oklahoma Farmers Union and State Farm, with an average six-month policy costs around $818. GEICO is another popular choice, offering average rates of $875 for a six-month policy. It’s important to note that these rates are averages, and individual premiums can vary based on personal factors
To secure the best possible rate, Tulsa drivers should compare quotes from multiple insurance providers. Some companies offer discounts for safe driving habits, good grades, anti-theft measures, and bundling multiple policies. Raising the deductible and reducing coverage on older vehicles are other strategies to lower premiums. By carefully evaluating their individual needs and exploring available discounts, Tulsa drivers can find affordable car insurance coverage that meets their needs.
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How Much Does Car Insurance Cost In Tulsa?
The average cost of car insurance in Tulsa is $175 per month, or $1,047 for a six-month policy. USAA offers the most affordable car insurance in Tulsa in 2025, with premiums as low as $680 for six months of coverage.
Drivers in Tulsa pay more for car insurance than the national average of $742 and more than the average for Oklahoma, $946 per six months. 33% of clients in Tulsa acknowledge that their car insurance premiums are excessive. Read on to find out more about what a reasonable cost in Tulsa looks like based on typical characteristics like credit score, coverage level, and more, whether you agree or simply need assistance with your auto insurance.
Car Insurance in Tulsa vs. Oklahoma Avg. 6 Mo. Premium
Tulsa Average………………………………………………$1,047
Oklahoma Average……………………………………….$946
Factors Allowed in Tulsa Car Insurance Rates
The amount that Tulsa drivers pay in premiums is determined by several factors. 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
An auto insurance company bases your premiums on several criteria. and above is no exception.
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 neighbourhood 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 Median rate
74133……$3,069
74136……$3,094
74137……$3,029
74105……$3,087
74115……$3,052
74134……$3,060
74112……$3,055
74135……$3,052
74107……$2,989
74129……$3,056
What Are the Penalties for Driving Without Insurance in Tulsa, Oklahoma?
It’s bad to drive in Oklahoma without insurance.
Depending on the circumstances, driving without insurance in Oklahoma carries a $250 fine, a suspension of your driver’s license or registration, and a maximum jail sentence of 30 days. there is a $125 administrative cost and a $275 reinstatement fee.
You dont have to submit SR-22 paperwork to the state demonstrating that you have the minimum of insurance, unlike most states. But as a result, your premiums will be high for at least three years.
Affordable Car Insurance At Tulsa
drivers in Tulsa can consider the following car insurance with the least cost
- USAA is the cheapest at $113 per month or $680 for a six-month policy.
- Oklahoma Farmers Union and State Farm cost around $818 for a six-month policy.
- GEICO, with average rates at $875 for six months or $146 per month.
Several factors contribute to the cost of car insurance in Tulsa. These include driving record and claims history, physical location, gender, age, marital status, type of vehicle, credit score, and annual miles drive. For additional information, visit here
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