Finding the right auto insurance provider for you requires considering your unique driver profile and needs. However, MoneyGeek found that State Farm is the best overall car insurance provider in Tulsa, Oklahoma. It’s also the most affordable insurer and the best insurer for young adults, teens, seniors and drivers with offenses. Shelter is the best choice for drivers looking for top-notch customer service, while Allstate is the best provider for those with new cars.
Best Car Insurance Companies in Tulsa, OK
State Farm is the overall best company in Tulsa, Oklahoma, in 2024. However, another company may be a better fit for you depending on how much importance you place on claims service, affordability and more.
Updated: December 20, 2024
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Key Takeaways
State Farm offers the most affordable full coverage car insurance in Tulsa, Oklahoma, with an annual premium of $776 and a MoneyGeek score of 76 out of 100, highlighting its balance of affordability and high customer satisfaction for diverse driver profiles.
For military members in Tulsa, USAA stands out as the top car insurance provider, earning a high MoneyGeek score of 85 and offering full coverage at an affordable $630 per year, making it exceptionally suitable for the military community.
In Tulsa, Oklahoma, State Farm is the leading insurer for minimum coverage, boasting a MoneyGeek score of 78 out of 100 and an affordable annual premium of $320, making it a top choice for balancing cost and quality service, while Progressive follows closely with a score of 77 and a premium of $329.
Why Trust MoneyGeek? We created an insurance scoring system for providers in Tulsa, Oklahoma, based on customer satisfaction, claims experience, essential coverages, affordability and financial stability using six independent sources, including information from the Oklahoma Department of Insurance. Each insurer was ranked using MoneyGeek’s proprietary scoring system based on the aforementioned criteria.
Best Overall Car Insurance in Tulsa
Our analysis found that Tulsa's best auto insurance companies are:
- State Farm: MoneyGeek score 76 out of 100 ($776 per year)
- Mercury: MoneyGeek score 67 out of 100 ($888 per year)
In addition to being the best provider in Tulsa, State Farm is also the best car insurance provider in Oklahoma, scoring high in affordability and above average in customer satisfaction. As a result, it is the best provider for drivers looking for a balance between quality and price.
Veterans looking for the best car insurance policy in Tulsa may want to consider USAA, which received a MoneyGeek score of 85 and charges just $630 for a full coverage policy.
How was this MoneyGeek score calculated?
MoneyGeek’s score for the overall best car insurance was calculated with the following weights:
- General customer satisfaction (35%)
- Affordability (30%)
- Claims experience (20%)
- Essential coverages (10%)
- Financial stability (5%)
pros
Ranks first in affordability and above average in customer service.
Offers roadside assistance, rental car and travel reimbursement coverage.
cons
Does not offer any unique coverages.
Has low claims and coverage scores.
COMPANY HIGHLIGHTS
State Farm is the best auto insurance provider in both Tulsa and Oklahoma, ranking as the top company for affordability and scoring above average for customer satisfaction. However, while State Farm does offer roadside assistance, rental car and travel reimbursement coverage, it also lacks many essential coverage options.
Roadside assistance coverage is a convenient coverage to have if you get into an accident or your car breaks down. In these instances, roadside assistance coverage pays for mechanical assistance, towing or other emergency services up to a certain limit.
Rental car and travel reimbursement can help you pay for a rental car if your car is damaged in an accident, up to certain limits. Additionally, if your car is damaged more than 50 miles from home, this add-on coverage pays for meals, transportation and lodging home.
How the Best Insurers in Tulsa Rank: MoneyGeek Scores and Costs
Among the seven car insurance providers MoneyGeek analyzed in Tulsa, State Farm was ranked the best. While this provider earns the highest score in affordability and has an above average score in customer satisfaction, it is not the best in all categories.
For instance, Shelter has the highest claims score and customer satisfaction scores and ties for the highest coverage score, but it’s low affordability score significantly brings down its overall ranking.
Keep in mind that all our rates are for full coverage policies, and that MoneyGeek scores are only given for insurers who have enough data for each of our individual scoring components.
State Farm | 76 | $776 | 4 | 2 | 3 | 5 |
Mercury | 67 | $888 | 3 | 2 | 3 | 3 |
GEICO | 67 | $1,005 | 4 | 2 | 3 | 5 |
Allstate | 66 | $948 | 3 | 2 | 4 | 4 |
Progressive | 65 | $1,038 | 3 | 2 | 4 | 4 |
Shelter | 62 | $1,378 | 4 | 3 | 4 | 3 |
Farmers | 59 | $1,145 | 3 | 2 | 4 | 3 |
Oklahoma Farm Bureau | No Data | $1,253 | 5 | No Data | 3 | 1 |
Home State Ins Group | No Data | $1,606 | 2 | No Data | 0 | 5 |
Best Car Insurance in Tulsa for Customer Service
For those who value customer service above affordability, the best car insurance providers in Tulsa are:
- Shelter: MoneyGeek score 68 out of 100 ($1,378 per year)
- State Farm: MoneyGeek score 58 out of 100 ($776 per year)
Among the seven companies evaluated in MoneyGeek’s analysis, Shelter earns the highest score in customer satisfaction, coverage and claims. However, it’s far from the most affordable provider in the city, which means you may have to pay a high price for great customer service. Shelter’s average rates are $602 more per year than State Farm, the cheapest provider in Tulsa.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Customer Service was calculated with the following weights:
- General customer satisfaction (45%)
- Claims experience (30%)
- Essential coverages (20%)
- Financial stability (5%)
- Affordability (0%)
pros
Ranks first in customer satisfaction, claims and coverages.
Offers gap insurance and new car replacement coverage.
cons
Low affordability score.
Does not offer accident forgiveness coverage.
COMPANY HIGHLIGHTS
Shelter is the best provider in Tulsa for drivers looking for the best customer service, ranking well in both customer satisfaction and coverage.
To supplement your policy, Shelter offers a range of coverages, such as gap insurance and roadside assistance. If your vehicle is new, you get into an accident and your car is badly damaged, gap insurance covers the different between what your vehicle is currently worth and how much you still owe on it. Roadside assistance can also help you pay for any emergency services you need, whether you were in a collision or not, such as towing, mechanical services and more, up to a limit of $100 per incident.
All Shelter policies also include new car replacement coverage, if applicable. If your car was bought within the last year and has fewer than 15,000 miles on the odometer, Shelter replaces your car with one of the same year, make and model if you get into a covered accident.
What Makes an Insurer Best for Customer Service?
Good customer service often means little-to-no customer complaints and great after-sales support. Shelter offers the best customer service in Tulsa based on industry-leading J.D. Power studies and the National Association of Insurance Commissioner’s (NAIC) customer complaint index. It ranks better than companies like Farmers or Allstate, who rank the same in coverage but have much lower customer satisfaction scores.
Best Cheap Car Insurance in Tulsa
Based on our analysis of affordability and service quality, we've determined that the best insurance companies in Tulsa for policies that meet only Oklahoma's minimum coverage requirements are:
- State Farm: MoneyGeek score 78 out of 100 ($320 per year)
- Progressive: MoneyGeek score 77 out of 100 ($329 per year)
The cheapest minimum coverage policies in Tulsa may come with the lowest rates, but they also provide the least amount of liability coverage and offer no protection for damage to your own vehicle if you're involved in an accident. It's important to note that the minimum car insurance requirements in Oklahoma are uniform across all cities in the state.
How was this MoneyGeek score calculated?
MoneyGeek’s score for the Best Cheap company was calculated with the following weights:
- Affordability (40% — based on the cost of a minimum coverage policy)
- General customer satisfaction (25%)
- Claims experience (20%)
- Essential coverages (10%)
- Financial stability (5%)
pros
Offers minimum coverage policies at an average of $320 per year.
Provides discounts bundling, multiple car and daytime running lights discounts.
Ranks first in affordability and received a high customer satisfaction score.
cons
Has a low claims score.
Does not offer discounts for paperless billing.
COMPANY HIGHLIGHTS
State Farm is the best option for drivers looking for an affordable, high-quality minimum-coverage policy in Tulsa, ranking first in affordability and offering a wide range of discounts to make their policies even more inexpensive.
For instance, if you bundle your auto insurance with home, renters, condo or life insurance, or if you insure more than one car, State Farm will grant you a discount. You can also receive a discount for having certain safety components installed, such as airbags, anti-lock brakes and anti-theft systems.
Some of the more unique discounts you can qualify with State Farm for include daytime running lamp (DRL) discounts — this grants you a discount if you have factory-installed DRL on your car, which are LED lights that allow other people on the road to see your vehicle better.
What Makes an Insurer the Best Cheap Option?
The best cheapest insurer for a minimum-coverage policy is one that offers affordable premiums and good customer service. While there may be a trade-off between price and quality service, it’s possible to find an insurer who can give you a solid balance of both. State Farm is an excellent example of this — it has an above-average rating for customer satisfaction of 3.93 out of 5 and the highest affordability score (5 out of 5) in Tulsa.
Best Car Insurance in Tulsa for Young Adults
The best car insurance companies for young adult drivers in Tulsa are:
- State Farm: MoneyGeek score 76 out of 100 ($981 per year)
- Allstate: MoneyGeek score 71 out of 100 ($998 per year)
If you're a young adult driver in Tulsa looking for auto insurance, State Farm is the best option due to its balance of affordability and customer service. Opting for good service and affordable coverage is essential for young adults, as drivers in this age group often face more expensive premiums than their older counterparts.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Young Adults was calculated with the following weights:
- General customer satisfaction (35%)
- Affordability (30% — based on rates for a 25-year-old male)
- Claims experience (20%)
- Essential coverages (10%)
- Financial stability (5%)
pros
Ranks first in affordability with an average annual premium of $981 per year.
Offers young adults ways to save by offering driver’s education, distant student and good student discounts.
Ranks highly in affordability and above average in customer satisfaction.
cons
Claims may be difficult to get with a low claims score.
Does not offer a lot of coverage options with an average coverage score.
COMPANY HIGHLIGHTS
If you're a young adult searching for cost-effective auto insurance with exceptional customer service, State Farm is the best choice. It ranks first in affordability in Tulsa, and has an above-average score in customer satisfaction.
With State Farm, you can enjoy the lowest insurance premiums in the Tulsa, along with exclusive discounts for young adults. For instance, if you are a student under 25 and have a car you insure at home in a different state or city, you can get a discount. You can also get a discount if you are a good student and have a B average, a 3.0 GPA or are in the top 20% of your class.
If you're no longer a student, State Farm offers discounts on your premium through their defensive driving or driver's education programs. By completing an approved course, you can save on your insurance costs.
What Makes an Insurer Best for Young Adults?
Selecting the right car insurance provider can provide a sense of safety and security for young adults on the road. State Farm strikes a balance between cost and quality by offering reasonable premiums, discounts for young drivers and above-average ratings for customer satisfaction.
If you’re looking for the best providers for young adults, look for affordable rates, coverages and discounts tailored to your age group and great customer satisfaction ratings.
Best Car Insurance in Tulsa for Teens and Their Families
The best car insurance companies in Tulsa for teen drivers on a family policy are:
- State Farm: MoneyGeek score 76 out of 100 ($2,782 per year)
- Allstate: MoneyGeek score 64 out of 100 ($2,214 per year)
In our analysis, State Farm had the highest customer satisfaction and affordability scores of any provider we evaluated in Tulsa, delivering low-cost and high-quality policies.
Opting for a family plan is a smart financial move when it comes to car insurance. Teens in Tulsa on individual policies pay an average of $3,953 more per year than those on family plans.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Teens was calculated with the following weights:
- General customer satisfaction (35%)
- Affordability (30% — based on rates for a 16-year-old male on a family policy)
- Claims experience (20%)
- Essential coverages (10%)
- Financial stability (5%)
pros
Ranks first in affordability ($2,782 per year).
Offers discounts for being a good student or taking a driver’s education course.
Ranks first in customer satisfaction in Tulsa.
cons
Has a relatively low claims score.
Does not offer many coverage options.
COMPANY HIGHLIGHTS
For parents seeking the most cost-effective car insurance option for their teen driver in Tulsa, State Farm is MoneyGeek’s top choice. This provider ranks first in affordability and customer satisfaction among other insurers in the city.
At State Farm, teen student drivers can take advantage of several discounts to reduce the cost of their car insurance. For instance, having a B average, a 3.0 GPA or being in the top 20% of the class rank can earn you a discount. Drivers under 21 who complete an approved driver education course can also receive a discount on their premium.
State Farm also offers coverage options to supplement your teen’s policy. For instance, roadside assistance is a great addition to ensure your teen’s emergency services are covered in case they need towing, mechanical services, locksmith labor and more.
What Makes an Insurer Best for Teens?
Having good policies for teens means an insurance company offers affordable rates, discounts for teens and students, good service and coverages that helps new drivers and their families feel safe, such as roadside assistance or accident forgiveness.
State Farm is the best insurance provider for teens in Tulsa thanks to it ranking first in affordability and customer service. However, the company does lack a few optional coverages that could benefit teens, such as accident forgiveness coverage.
Best Car Insurance in Tulsa for Seniors
MoneyGeek’s top picks for the best auto insurance providers for seniors in Tulsa are:
- State Farm: MoneyGeek score 76 out of 100 ($701 per year)
- Shelter: MoneyGeek score 72 out of 100 ($1,080 per year)
State Farm is MoneyGeek’s top choice because it balances high-quality service with low rates, receiving high scores in affordability and customer satisfaction.
As a senior driver, keep in mind that, at 60, you’ll pay similar rates as those aged 30–50, but your rates will likely increase from age 70. Shopping around for cheap quotes on Tulsa car insurance can help seniors save money on coverage.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Seniors was calculated with the following weights:
- General customer satisfaction (35%)
- Affordability (30% — based on rates for a 65-year-old male)
- Claims experience (20%)
- Essential coverages (10%)
- Financial stability (5%)
pros
Ranks first in affordability ($701 per year).
Ranks second for customer satisfaction.
cons
Doesn’t offer a wide range of coverage options.
Scores poorly for claims experience.
COMPANY HIGHLIGHTS
State Farm is MoneyGeek’s top choice for the best auto insurance provider for seniors in Tulsa. This provider ranks first in Tulsa for affordability, meaning it has the cheapest policies in the city. It also ranked second in the city for customer satisfaction, signaling that you can trust that your concerns will be handled well by State Farm’s customer service team.
Though State Farm has somewhat limited coverage options, it does offer a few coverages that can be beneficial for seniors. These include roadside assistance, car rental coverage and travel reimbursement coverage.
Roadside assistance coverage covers the cost of everything from towing to locksmith services, helping you get back on the road in no time if your car breaks down.
Travel reimbursement coverage is a smart choice for seniors who travel frequently. This coverage can help pay for rental car expenses and travel costs if you're involved in an accident while traveling, giving you one less thing to worry about while on the go. Car rental reimbursement coverage also covers the cost of renting a vehicle if yours isn’t driveable after an accident.
What Makes an Insurer Best for Seniors?
Car insurance companies with good policies for seniors offer them relatively low rates and key coverages, like personal injury protection and medical payments coverage. Providers that provide discounts for defensive driving are also recommended. Case in point: State Farm ranks first in Tulsa for senior drivers due to its balance of affordability, customer satisfaction and coverages beneficial to seniors.
Best Car Insurance in Tulsa for Drivers With Offenses
In Tulsa, the best car insurance companies for drivers with offenses are:
- State Farm: MoneyGeek score 76 out of 100 ($865 per year)
- Progressive: MoneyGeek score 68 out of 100 ($1,141 per year)
State Farm provides an excellent balance of affordability and great service, allowing you to get the coverage you need while keeping the costs under control and still getting the service you deserve. It’s also the most affordable company for Tulsa residents with driving offenses on their records.
It's worth noting that car insurance rates in Tulsa can vary significantly based on the specific violations on a driver's record and any past traffic violations. For instance, if you have a DUI on your record, you’d pay an average of $493 more than a driver with a clean record in Tulsa.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Drivers With Offenses was calculated with the following weights:
- General customer satisfaction (35%)
- Affordability (30% — based on drivers with a DUI on their record)
- Claims experience (20%)
- Essential coverages (10%)
- Financial stability (5%)
pros
Ranks highest in affordability with an average annual premium of $865.
Has an above-average customer satisfaction rating.
Offers roadside assistance and rental car reimbursement coverage.
cons
Doesn’t score well for coverage and claims experience.
Doesn’t offer accident forgiveness or new car replacement coverage.
COMPANY HIGHLIGHTS
State Farm is an excellent choice for drivers with offenses on their records in Tulsa. With a focus on affordability and quality, this provider offers top-notch customer service at a price you can afford. The company also provides key coverages that can be helpful to individuals who may be more accident-prone, such as roadside assistance and rental car reimbursement.
Whether you need a tow or a locksmith, roadside assistance coverage can help get you back on the road quickly and easily. Car rental and travel reimbursement coverage can also be beneficial. This coverage can help cover rental car expenses and other travel costs if your car is totaled after an accident, whether the accident occurs close to home or while traveling.
What Makes an Insurer Best for Drivers With Offenses?
The best insurance policies for drivers with offenses are from companies offering reasonable rates, plenty of discounts and coverages that can help in case of an accident. Affordability is crucial, as drivers with offenses tend to be charged higher car insurance premiums because providers view them as risky to insure. State Farm is the best option for drivers with offenses in Tulsa because it offers reasonable rates after an accident.
Best Car Insurance in Tulsa for Drivers With New Cars
MoneyGeek found that the best auto insurance companies in Tulsa for new car owners are:
- Allstate: MoneyGeek score 73 out of 100 ($1,334 per year)
- Farmers: MoneyGeek score 41 out of 100 ($1,481 per year)
For this category, MoneyGeek only considered providers that offer new car replacement or better car replacement coverage. New car replacement ensures that if your car was bought within the last two years and got into an accident, your car will be replaced completely with a new model. We also only included providers with high customer service scores and affordable rates for drivers with 2022 model cars.
Among all insurance companies, we ranked Allstate as the best in Tulsa for drivers with new vehicles due to its high affordability score and new car replacement coverage.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for New Cars was calculated based on insurers offering new or better car replacement coverage and the following weights:
- General customer satisfaction (35%)
- Affordability (30%)
- Claims experience (20%)
- Essential coverages (10%)
- Financial stability (5%)
pros
Ranks first in affordability with an average premium of $1,334 per year.
Offers new car replacement coverage.
cons
Has average scores in coverage and customer satisfaction.
COMPANY HIGHLIGHTS
Allstate is the best option for Tulsa drivers with new cars who want to protect their latest purchase without breaking the bank; this provider offers affordable rates for new vehicle models, as well as new car replacement coverage.
New car replacement coverage is an essential add-on for drivers with new vehicles. If your car is involved in an accident and is two model years old or less, Allstate will replace it completely.
You can also supplement your policy with other coverages from Allstate, such as custom parts coverage. If you have custom carpeting, bars, murals and the like that get damaged in a covered comprehensive type accident, Allstate will pay for your loss. You can also add accident forgiveness to your policy, which prevents your premiums from increasing after you get into your first accident, regardless of who is at fault.
What Makes an Insurer Best for Drivers With New Cars?
The best auto insurance company for drivers with new cars is one that offers new car or better car replacement coverage. If your new vehicle is totaled in an accident, this coverage means your insurer will replace it entirely.
Allstate ranks first in Tulsa because of its affordable premiums for drivers with new vehicles. It also offers new car replacement coverage — one of the few providers in the state to do so.
How to Find the Best Car Insurance in Tulsa for You
Finding the best Tulsa car insurance means finding a provider that balances price, service reputation and financial stability. In addition to the quotes and scores MoneyGeek gathered, we recommend you conduct further research on your own by evaluating the following information from each prospective insurance company.
- 1
Research customer service reputations in Tulsa
Our Tulsa customer service ratings take the guesswork out of picking the best insurer, but you can also check J.D. Power satisfaction scores and NAIC complaint ratios for any company you're researching. Additionally, we recommend consulting Oklahoma's Insurance Department website, where customer service data is collected on a state level.
- 2
Compare quotes
It is important to note that MoneyGeek provided average quotes for sample drivers in Tulsa, but your rates will differ depending on your unique driver profile. To get a better idea of how much your coverage will cost, obtain sample quotes from three or more insurers.
- 3
Find the coverages you want in Tulsa
Note that insurance companies can sometimes advertise discounts or coverages unavailable in all states. To ensure that an insurance company offers what you're looking for, contact the provider or double-check the terms on its site.
- 4
Check financial stability ratings
In Tulsa, large insurance companies tend to have stronger financial ratings than regional insurers — the better a company’s financial stability, the more likely any claims you file are to be paid out. Be sure to check an insurer's financial strength rating before buying a policy through resources like AM Best.
FAQs About the Best Car Insurance in Tulsa
When it comes to finding the best car insurance in Tulsa, what works for one person may not work for another. Consider some of the frequently asked questions below when choosing car insurance that fits your needs.
What is the best car insurance company in Tulsa?
The best auto insurance in Tulsa for most drivers is State Farm, which ranks first in affordability and scores well in customer satisfaction. State Farm charges an average of $776 annually for a full coverage policy.
What is the best cheap car insurance company in Tulsa?
The best cheap car insurance provider in Tulsa is also State Farm. For state-minimum coverage policies, State Farm charges an average of $320 per year and ranks first in affordability and above average in customer satisfaction.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.