In Tulsa, Mercury, Progressive and State Farm offer some of the most affordable car insurance options. Insurance rates can vary greatly depending on your driver profile and the coverage level you choose. Below is a breakdown of different categories to show which company is the most affordable based on these specific factors.
Cheapest Car Insurance in Tulsa, OK
Updated: December 13, 2024
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Key Takeaways
The five cheapest car insurance companies in the area are Mercury, Progressive, GEICO, State Farm and Shelter.
You can find the lowest car insurance rates starting at $29 per month for minimum coverage and $80 for full coverage.
On average, expect to pay $55 monthly for minimum coverage and $114 for full coverage.
Why Trust MoneyGeek? MoneyGeek analyzed car insurance companies using data collected from the Oklahoma Department of Insurance and Quadrant Information Services. Learn more.
Cheapest Car Insurance Rates and Companies in Tulsa
| Mercury | Minimum Coverage | $29 |
| Progressive | Full Coverage | $80 |
| Allstate | Teens | $171 |
| Mercury | Young Adults | $40 |
| Progressive | Senior Drivers | $36 |
| Mercury | Drivers With Bad Credit | $40 |
| Mercury | Drivers With a Speeding Ticket | $45 |
| Mercury | Drivers With a DUI | $42 |
| State Farm | Drivers With an Accident | $58 |
| USAA | Military Affiliated Drivers | $28 |
Cheapest Car Insurance Coverage in Tulsa
Finding the cheapest car insurance in Tulsa means comparing rates from various providers. Your age, driving record, type of car and coverage needs all play a role in the cost. Remember, the cheapest car insurance in Oklahoma might not be the same in Tulsa. Gathering car insurance quotes is key to affordable protection.
Cheapest Minimum Coverage Car Insurance in Tulsa
Mercury offers the cheapest minimum coverage car insurance in Tulsa at $29 per month, followed by Progressive at $39. Check the table below to explore more providers offering great rates for state minimum coverage.
| Mercury | $29 | $26 |
| Progressive | $39 | $16 |
| GEICO | $43 | $12 |
| State Farm | $47 | $8 |
| Shelter | $51 | $4 |
Cheapest Full Coverage Car Insurance in Tulsa
Progressive offers the cheapest full coverage car insurance in Tulsa at $962 per year. Check the table below to compare more providers offering competitive rates for full car insurance coverage.
| Progressive | $80 | $34 |
| GEICO | $89 | $25 |
| State Farm | $110 | $4 |
| Mercury | $81 | $33 |
Cheapest Car Insurance in Tulsa by Age
In Tulsa, age affects car insurance prices. Young drivers usually pay more due to less experience. Over time, rates drop but may climb after 70. Below, find the most affordable insurance companies for teens, young adults and seniors.
Cheapest Car Insurance in Tulsa for Teens
For Tulsa residents, the most affordable car insurance for teens comes from Allstate, State Farm and another top provider. Check the table below for the lowest rates in your area.
| Allstate | $171 | $45 | $383 | $86 |
| State Farm | $212 | $5 | $253 | $215 |
Cheapest Car Insurance in Tulsa for Young Adults
Mercury offers the cheapest minimum car insurance for young adults in Tulsa at $481 per year. This rate is 43% lower than the city average. Other affordable choices include Progressive, GEICO and State Farm.
| Mercury | $40 | $30 |
| Progressive | $47 | $23 |
| GEICO | $53 | $18 |
| State Farm | $56 | $14 |
Cheapest Car Insurance in Tulsa for Seniors
Progressive offers the cheapest minimum car insurance for seniors in Tulsa with an annual rate of $433. Explore more about car insurance for seniors. Check the table below to explore options from other providers and find the best rates for senior drivers.
| Progressive | $36 | $21 |
| Mercury | $40 | $17 |
| Shelter | $40 | $17 |
| State Farm | $43 | $14 |
| Oklahoma Farm Bureau | $51 | $6 |
| GEICO | $52 | $6 |
Cheapest Car Insurance in Tulsa for Drivers With Bad Credit
A low credit-based insurance score may lead to higher premiums compared to those with good scores. For cheap car insurance for drivers with bad credit, Mercury offers a rate of $481 per year, while Progressive is $736, for minimum coverage. Review the table below for more options from other providers.
| Mercury | $40 | $42 |
| Progressive | $61 | $21 |
| Oklahoma Farm Bureau | $65 | $17 |
| GEICO | $67 | $15 |
HOW TO LOWER YOUR RATE WITH BAD CREDIT
Drivers with poor credit can still reduce car insurance costs by using common discounts, bundling different insurance policies and comparing personalized quotes from multiple companies. Bundling different insurance policies can offer savings. Improving your credit over time can also help you get a lower rate.
Cheapest Car Insurance in Tulsa After a Driving Offense
Insurance providers assess risk by examining your driving record when calculating car insurance premiums. Violations like speeding tickets, accidents or DUIs can significantly raise your rates. Even the cheapest car insurance for drivers with violations will be more expensive than for those with clean records. We've broken down affordable providers so you can find cheap car insurance after an accident and for other driving offenses.
Cheapest Car Insurance in Tulsa After a DUI
Drivers in Tulsa with a DUI can still find affordable car insurance. Mercury offers the cheapest minimum coverage, with an annual rate of $505. Check the table below to explore options from other providers and find the best rates for drivers with a DUI.
| Mercury | $42 | $39 |
| Progressive | $43 | $38 |
| State Farm | $53 | $29 |
Cheapest Car Insurance in Tulsa After an Accident
State Farm offers the most affordable minimum coverage car insurance for drivers with an at-fault accident in Tulsa at $693 annually. Check the table below to explore options from other providers and find the best car insurance company with the most affordable rates.
| State Farm | $58 | $27 |
| Oklahoma Farm Bureau | $65 | $20 |
| Mercury | $68 | $16 |
| Progressive | $75 | $9 |
| GEICO | $80 | $4 |
Cheapest Car Insurance in Tulsa After a Ticket
Mercury offers the most affordable car insurance for drivers with a speeding record in Tulsa at an annual rate of $537. Progressive follows closely with a rate of $605 per year. Check the table below to explore options from other providers and find the best rates.
| Mercury | $45 | $22 |
| Progressive | $50 | $17 |
| State Farm | $53 | $15 |
| GEICO | $57 | $10 |
| Oklahoma Farm Bureau | $59 | $8 |
Cheapest Car Insurance in Tulsa for Military Drivers
Military drivers in Tulsa, including active-duty members, veterans and their families, can often find special discounts and competitive rates on car insurance. The cheapest car insurance providers for military drivers offer great deals, with USAA providing annual minimum coverage at $335 and Mercury at $351.
| USAA | $28 | $24 |
| Mercury | $29 | $23 |
| Progressive | $39 | $13 |
| GEICO | $43 | $9 |
| State Farm | $47 | $6 |
| Shelter | $51 | $2 |
How Much Does Car Insurance Cost in Tulsa?
In Tulsa, full coverage car insurance averages $1368 yearly. State minimum coverage is cheaper, averaging $660 annually. Keep in mind, these rates are for a 40-year-old with good credit and a clean driving record; your rate may differ.
Tulsa Auto Insurance Cost by Driver Profile
See how your insurance rate stacks up with our summary of average costs for various driver profiles. Check if you're getting an affordable deal on your minimum coverage.
| Teen Drivers | No Data | $468 |
| Young Adults | $70 | $147 |
| Senior Drivers | $57 | $113 |
| Drivers With Bad Credit | $82 | $177 |
| Drivers With a Speeding Ticket | $67 | $139 |
| Drivers With a DUI | $81 | $166 |
| Drivers With an Accident | $84 | $172 |
| Military Affiliated Drivers | $52 | $110 |
How Expensive Is Car Insurance Tulsa?
In Tulsa, expect to pay about 19% more for state minimum coverage and 12% more for full coverage compared to the rest of Oklahoma. That's $55 a month for minimum and $114 for full coverage. It's affordable but above the state's norm.
| Tulsa Avg Rate | $55 | $114 |
| Oklahoma Avg Rate | $46 | $102 |
| vs Oklahoma Avg Rate | $-9 | $-12 |
Car Insurance Requirements in Tulsa
In Oklahoma, the law mandates that all drivers carry minimum coverage auto insurance. This includes specific limits for bodily injury liability and property damage liability to ensure financial responsibility on the road.
Oklahoma's minimum coverage amounts are:
- $25,000 for bodily injury liability per person.
- $25,000 for property damage liability per accident.
An auto insurance policy in Oklahoma provides financial protection against expenses from accidents. Liability coverage assists with costs for damages or injuries you might cause to others in an at-fault accident.
For example, if you're at fault in a collision that injures another driver, your bodily injury liability coverage would cover medical expenses up to $25,000 for that person.
Cheapest Car Insurance in Tulsa: Bottom Line
Finding affordable car insurance in Tulsa takes looking at your driving record, car and even credit score. Mercury and Progressive often have the lowest rates. But don't just take our word for it—make sure to compare quotes to get the best deal for you!
Cheap Tulsa Car Insurance: FAQ
MoneyGeek helps you find affordable car insurance in Tulsa. We answer common questions to guide you in choosing the best coverage for your needs. Our resources make it simple to understand your options and find a plan that fits your budget.
What is the cheapest car insurance company in Tulsa, Oklahoma?
The cheapest car insurance company in Tulsa, Oklahoma, is typically Mercury, with average rates of $29 per month for minimum coverage. For full coverage, Progressive is cheapest at $80 per month. However, rates vary based on age, driving history and coverage needs, so it’s best to compare quotes.
What is the average cost of car insurance in Tulsa, Oklahoma?
The average cost of car insurance in Tulsa, Oklahoma, is around $1,368 per year for full coverage, while minimum coverage averages approximately $660 per year. These rates can vary depending on your specific circumstances.
Is car insurance in Tulsa, Oklahoma, expensive?
Yes, car insurance in Tulsa, Oklahoma, tends to be more expensive than the state average. Factors like higher traffic congestion, accident rates and crime rates contribute to the increased premiums. Shopping around and comparing quotes can help you find more affordable options.
How We Chose the Cheapest Car Insurance in Tulsa, OK
To help Tulsa drivers find the most affordable auto insurance companies, MoneyGeek analyzed Tulsa auto insurance rates based on data and information from the Oklahoma Department of Insurance and Quadrant Information Services.
Tulsa Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Tulsa with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Tulsa
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Oklahoma are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
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.