If you want to find affordable car insurance in Tulsa, Oklahoma, you need to shop about and compare rates from several firms.
Insurers utilize a variety of factors to calculate the cost of auto insurance, including your age, residence, vehicle type, and driving history, so that each driver will end up with a different premium.
That’s why shopping around for the finest auto insurance in Tulsa — or anyplace else — is your best chance.
Nerd Wallet looked at average total Coverage rates estimated from public records provided by pricing analytics firm Quadrant Information Services to find the lowest companies in Tulsa.
We looked at rates for male and female drivers in Tulsa driving a 2019 Toyota Camry L in all ZIP codes.
How to Get a Good Car Insurance in Tulsa
Do not even make the mistake of thinking that one company is indeed the cheapest.
Local and regional insurers should not be overlooked.
Inquire about discounts.
Work on improving your credit score.
You can avoid comprehensive and collision coverage if you have an older car.
Increase your deductible.
Consider buying insurance based on how much you drive or how many miles you drive.
The Cost of Car Insurance in Tulsa
For various reasons, rates throughout Oklahoma differ from those in Tulsa.
The number of accidents, the nature of roads, and even the weather can impact the rates paid to drivers.
The average rate in Oklahoma is $1,905, according to Nerd Wallet’s most recent data, but it’s $2,189 in Tulsa.
List of the Best Car Insurance in Tulsa
MoneyGeek ranked the best companies in Tulsa based on various factors to help drivers find affordable car insurance and provide good service.
J.D. Power’s customer happiness, affordability, and financial stability ratings are among them.
The best auto insurance providers in Tulsa for most drivers, according to MoneyGeek’s analysis, are:
MoneyGeek gives GEICO a 93 out of 100 ratings.
MoneyGeek gives Allstate an 85 out of 100 ratings.
According to MoneyGeek’s ranking system, USAA scored the top score in Tulsa.
USAA is not listed as the best overall because it is only available to military members, veterans, and families.
Top 10 Cheap Auto Insurance in Tulsa
- $1,774 GEICO
- $828 USAA
- $3,020 for farmers
- $1,093 for State Farm$1,178 Allstate
- $1,380.00 Progressive
- $1,423 for Mercury
- $1,449 Oklahoma Farm Bureau
- $2,184 MetLife
- $1,596 shelter
Allstate offers a wide choice of coverage options for Tulsa drivers so that you may receive more than just basic coverage at a fair price.
Whether you want to ensure your high-end luxury vehicle or have coverage as a rideshare driver, Allstate offers a variety of options to keep your ride safe financially.
Although the annual premium is pricey, the features and discounts available may help you balance your monthly production.
Farm Bureau is an organization that promotes agriculture.
Everyone in Tulsa has access to Farm Bureau, not just farmers. To join in its auto coverage, you must pay an annual membership fee, but coverage choices such as additional transportation charges become available once you do.
Suppose your vehicle has complete coverage under Oklahoma Farm Bureau and is rendered immobile due to a covered loss. In that case, some necessary expenses such as rental fees, food, and temporary housing may be paid.
You’ll usually be allocated a local agent who will work with you one-on-one to create a customized customer support experience when you join.
Geico is a national insurance leader, but it also boasts the lowest average minimum and total coverage rates in Tulsa.
Geico has options for both bare-bones coverage and comprehensive coverage. The Maryland-based firm ensures a variety of vehicles, from motorcycles to boats, and offers several discounts to those who qualify.
Discounts are available for new cars, defensive driving, multi-vehicle plans, bundling policies, and public service.
Despite being unrated in the Southwest, MetLife has been offering insurance since 1972 and is the country’s 15th largest home and vehicle insurer.
MetLife offers discounts for insuring multiple lines, with Tulsa drivers saving an average of $906 per year when they bundle plans.
Aside from basic coverage, there are a few extras to think about, including access to the company’s repair network and additional identity theft protection options.
State Farm Insurance
State Farm, being the country’s largest insurance company, offers affordable rates in Tulsa and discounts that can save you up to 40% on your premiums.
Drivers can save up to 30% with the Drive Safe and Save program, but other discounts for anti-theft systems, customer loyalty, staying accident-free, and more in the 2020 J.D.
Power Auto Insurance Study, State Farm was ranked among the top five insurers in the Southwest region, including Oklahoma.
Whether you’re a member of the Tulsa Air National Guard, an active duty military member, or a retired veteran, USAA may be one of the most acceptable options for you.
USAA subscribers may obtain special concessions for their auto insurance in circumstances of deployment and parking a vehicle on base, as well as the lowest premiums on average for qualifying members.
There is also a new product for safe driving savings starting in 2021, where policyholders can save up to 30% on renewal based on tracked safe driving habits.
Bankrate utilized minimal coverage levels that met each state’s standards to determine minimum coverage limits.
Our typical driver owns a 2019 Toyota Camry, commutes five days a week, and logs 12,000 miles per year.
These are sample rates that should only be used as a guideline.