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Best cheap car insurance in Tulsa for 2025
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best car insurance companies in Tulsa
To find Tulsa's best coverage options, we reviewed average rates from Quadrant Information Services. We looked at discounts and optional coverage types, as well as customer service rankings, to find the best car insurance in Tulsa.
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Why Mercury made our list: Mercury Insurance may be a good option for customers who prefer to work with a regional carrier; Mercury is only available in 11 states, including Oklahoma. However, it is not rated in J.D. Power’s 2025 Auto Insurance Study for the Central region. The company does not have as many endorsement and discount options as some larger carriers, but it does offer rental car reimbursement and rideshare coverage. Discounts may be available for safety features, low mileage and bundling.
Why Mercury may be best for rideshare coverage: if you work for a rideshare company such as Uber or Lyft, you may be aware that the company offers some insurance coverage for you while you're on the job, but it's not as comprehensive as it could be. To fill in the gaps, Mercury offers rideshare coverage for as little as 90 cents a day. This insurance covers you from the time you turn on the app to when you pick up your first customer — a period that is not covered by a rideshare company's insurance since you wouldn’t be considered as working yet.
| Bankrate Score | 3.5 |
| J.D. Power | |
| AM Best Rating | A |
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Why USAA made our list: USAA consistently earns high scores from J.D. Power for customer satisfaction, but the carrier is only available to current and former military members and their immediate family members. If you fit that demographic, you may want to consider USAA for its low average rates and highly-rated customer service. USAA only does business online and over the phone, so if you prefer working with an in-person agent, it may not be the carrier for you.
Why USAA may be best for military-focused coverage: Those with a military connection may appreciate the carrier’s military-specific discount options. If you're deployed, for example, you can save as much as 60 percent off your rate by keeping your car on base. Nearly 60,000 Oklahomans are employed by the Department of Defense, and if you are one of them, USAA's benefits are worth considering.
| Bankrate Score | 4.3 |
| J.D. Power | 719/1,000 |
| AM Best Rating | A++ |
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Why Geico made our list: Geico offers some of the cheapest Tulsa insurance, both for full and minimum coverage options, according to our analysis of premium data. Not only does the company offer competitive rates for the area, but drivers may appreciate the large number of discounts available. Potential discounts include safety features, good student, multi-vehicle and affiliation savings. However, Geico did score below the segment average for customer satisfaction in the Central region, indicating that policyholders may not be fully satisfied with the level of service provided.
Why Geico may be best for digital tools: Geico makes it simple to manage your insurance business online. The company's highly-rated apps for Android and Apple devices allow you to obtain a quote, access your insurance card, find emergency roadside assistance and more. Since Geico's brick-and-mortar locations are sparse in OK, with only one in Tulsa, the company's digital capabilities may make it easier and more efficient for you to handle your insurance business when you want.
| Bankrate Score | 4.3 |
| J.D. Power | 641/1,000 |
| AM Best Rating | A++ |
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Why American Family made our list: American Family, commonly known as AmFam, is a regional carrier with some unique endorsement and discount options. Coverage add-ons include a usage-based insurance option and diminishing deductibles. AmFam may be a good choice for young philanthropists, as it offers a potential discount for drivers under 25 who complete at least 40 volunteer hours with a non-profit. Although AmFam’s digital tools are not as robust as some competitors, the company did come in third place in the Central region of J.D. Power’s customer satisfaction study, indicating that policyholders may receive a top-notch level of service.
Why American Family may be best for discounts: Like most insurers, AmFam offers a range of discount options that can help you save on your policy. Along with common discounts such as multi-vehicle, good student and autopay, there are some more unusual options. These include Steer Into Savings, which offers a discount just for switching to AmFam from a competitor, a low-mileage discount for those driving under 7,500 miles a year and a discount for young people whose parents are also AmFam policyholders.
| Bankrate Score | 4 |
| J.D. Power | 660/1,000 |
| AM Best Rating | A |
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Why Allstate made our list: Allstate has a robust presence in Tulsa, with more than a dozen agency offices available in the city. If you prefer to do your insurance business online, you'll be pleased to know that Allstate scored above average in the J.D. Power 2025 Digital Experience Study in the service category. The company rewards good drivers in several ways, including a deductible reward that takes $100 off your collision deductible for every year of safe driving. There is also a Safe Driving Bonus that allows you to earn cash or credit for every six months without an accident. The company's telematics program, Drivewise, could be another way to lower your premium.
Why Allstate may be best for bundling policies: Having more than one policy with Allstate can result in lower premium rates. You can bundle your car insurance with home, renters, condo, motorcycle, off-road or term life policies to earn up to 25 percent off.
| Bankrate Score | 3.9 |
| J.D. Power | 644/1,000 |
| AM Best Rating | A+ |
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The cheapest car insurance companies in Tulsa
To find the most affordable car insurance in Tulsa, OK, we sourced data on average premium costs from Quadrant Information Services. Average Oklahoma rates are comparable to national averages, but your rate is likely to differ from the averages since it is based on information that is unique to you, your car and your situation.
The top five cheapest car insurance companies in the city for minimum coverage are as follows:
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|
|
|
|---|---|---|
|
$425
|
$1,934
|
|
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$417
|
$2,030
|
|
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$333
|
$2,493
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|
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$544
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$2,642
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|
|
American Farmers & Ranchers Mutual
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$380
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$2,662
|
How much is car insurance in Tulsa, Oklahoma?
Car insurance in Tulsa costs, on average, $3,013 for full coverage annually, while state-mandated minimum coverage is $659. These rates are slightly above the Oklahoma averages, which are $2,798 for full and $558 for minimum coverage annually, respectively. Often, city rates are slightly higher because the congested traffic that's common on city streets can lead to a higher number of accidents. More accidents may mean more insurance claims, so companies typically increase their rates in city ZIP codes to compensate.
Tulsa rates for teens
Teen drivers tend to pay high rates for their coverage, since they are likely to lack experience behind the wheel and are more prone to risky behaviors like texting while driving. Statistics show that they have more accidents than any other age group, and that generally leads to a higher rate of claims. Finding affordable rates for teens is possible, though, and the following companies may be a good place to start your search. The rates below are for teens on their parents' policy, since in most cases, teens cannot have their own policy until they reach 18.
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|---|---|---|
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American Farmers & Ranchers Mutual
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$515
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$489
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$918
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$830
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|
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$1,005
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$851
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|
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$1,078
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$701
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|
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$1,093
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$900
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|
|
|
|
|---|---|---|
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American Farmers & Ranchers Mutual
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$3,240
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$3,123
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|
$3,919
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$2,688
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|
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$4,051
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$3,797
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|
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$4,532
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$3,797
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|
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$4,968
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$4,355
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Tulsa rates for young drivers
Once young drivers reach young adulthood, their rates should start to decrease, as long as they prove themselves to be good drivers. It’s worth noting that young drivers who move out on their own and purchase their own policy will typically see an increased rate from when they were on their parents’ policy.
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|---|---|---|
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American Farmers & Ranchers Mutual
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$670
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$462
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$903
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$548
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|
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$948
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$484
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$1,054
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$444
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$1,182
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$635
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|---|---|---|
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$3,613
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$2,357
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American Farmers & Ranchers Mutual
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$3,908
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$3,012
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$4,201
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$2,209
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$4,905
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$3,060
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$5,538
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$3,433
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Tulsa rates for adults
All other factors being equal, rates should continue to drop for adults as they age. Finding cheap insurance companies in Tulsa may become easier as drivers age since they are statistically less likely to file claims as they continue to gain experience behind the wheel.
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|---|---|---|---|
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$355
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$333
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$311
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|
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American Farmers & Ranchers Mutual
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$390
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$380
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$371
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$422
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$417
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$417
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|
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$478
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$425
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$401
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|
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$539
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$544
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$539
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|
|
|
|
|
|---|---|---|---|
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$2,045
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$2,030
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$1,959
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|
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$2,169
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$1,934
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$1,815
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|
|
American Farmers & Ranchers Mutual
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$2,701
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$2,662
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$2,623
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|
$2,707
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$2,642
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$2,574
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|
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$2,942
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$2,493
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$2,223
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Tulsa rates for senior drivers
As drivers enter their 70s, age-related risk factors, like slower reaction times, can lead to an increased number of accidents. Because of this, they may see a slight increase in rates that continues through their 80s and 90s.
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|---|---|---|
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$293
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$378
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American Farmers & Ranchers Mutual
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$371
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$430
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|
$410
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$483
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|
|
$421
|
$575
|
|
|
$512
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$544
|
|
|
|
|
|---|---|---|
|
$410
|
$2,001
|
|
|
$421
|
$2,263
|
|
|
$293
|
$2,326
|
|
|
$512
|
$2,514
|
|
|
$554
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$2,493
|
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare auto insurance rates
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The cheapest car insurance in Tulsa by driving record
Your driving record is a primary factor that helps determine the rate you will pay for your policy. As you might expect, drivers with an excellent record are likely to pay lower rates than those with one or more moving violations on their license. Insurers assume that poor driving habits in the past may lead to future violations and possible claims against the policy.
Car insurance with a speeding ticket in Tulsa
Drivers in Tulsa who have earned a speeding ticket pay an average of 19 percent more for their minimum coverage policy than the Tulsa average. More than one ticket may increase the rate even more. There are companies, however, with a demonstrated reputation for writing cheap policies for those with tickets.
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|---|---|---|
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$496
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$3,486
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|
|
$521
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$2,686
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|
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$534
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$2,392
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American Farmers & Ranchers Mutual
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$557
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$3,420
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$642
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$3,044
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Car insurance after an accident in Tulsa
Drivers with an at-fault accident on their record pay an average of 42 percent more for minimum coverage than Tulsa drivers without one. The exception to this would be drivers who have an accident forgiveness endorsement on their policies. This optional rider will, in general, "forgive" a first accident and avoid any surcharge for it on the premium.
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|---|---|---|
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American Farmers & Ranchers Mutual
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$380
|
$2,662
|
|
$652
|
$3,329
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|
|
$690
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$2,965
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|
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$723
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$3,282
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|
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$737
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$4,535
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Car insurance after a DUI in Tulsa
Many insurers consider a DUI or DWI to be one of the most serious infractions you can earn, and they compensate for this by increasing your premium. Tulsa drivers with a DUI pay an average of 59 percent more for minimum coverage than the Tulsa average. Drivers who have earned a DUI may want to consider taking steps such as enrolling in a defensive driving course, which can both improve your driving skills as well as earn you a discount in many cases. Note that not all carriers will write policies for drivers with a DUI on their record.
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|
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|---|---|---|
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$482
|
$3,267
|
|
|
$684
|
$3,461
|
|
|
$798
|
$3,657
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|
|
$811
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$3,581
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|
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$917
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$3,809
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Minimum coverage requirements in Tulsa
Like all Oklahoma drivers, Tulsa residents are required by state law to carry a certain amount of minimum coverage. This minimum includes the following:
- $25,000 of bodily injury liability per person
- $50,000 of bodily injury liability total per accident
- $25,000 of property damage liability per accident
Oklahoma insurers are also required to offer uninsured/underinsured motorist coverage with minimum limits of $25,000/$50,000, but this coverage type can be rejected in writing by the policyholder.
It's important to keep in mind that minimum coverage only provides liability insurance and likely won’t be enough to cover expenses in the event of a serious accident. It does not include any coverage for damage to your car in an at-fault accident. You would need to add collision and comprehensive coverage, often called full coverage, to have this financial protection.
Frequently asked questions
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.