120+ more*Quotes generated for Insurify users in and around Tulsa, Oklahoma within the last 10 days. Last updated on May 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Tulsa, Oklahoma within the last 10 days. Last updated on May 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
)
)
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Featured in
){kind=small}
){kind=small}
){kind=small}
){kind=small}
)
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
)
)
30+ years in financial services
Clinical Professor of Finance, University of San Diego
)
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
State Farm offers the cheapest liability-only insurance in Tulsa, with rates averaging $39 per month.
Tulsa drivers pay an average of $100 per month for liability-only insurance.
Severe weather, including hail and tornadoes, along with Tulsa’s elevated wildfire risk — higher than in 83% of U.S. counties — contributes to car insurance rates in Tulsa.
Drivers in Tulsa typically pay about $100 per month for minimum-coverage car insurance and $184 per month for full coverage. In Enid, about 115 miles northwest, liability insurance averages $73 per month, and full coverage costs $151 per month.
Statewide, Oklahoma’s average cost of insurance is $83 per month for liability coverage and $171 per month for full coverage.
Tulsa’s rates are higher than the state average due to severe weather — such as hailstorms, tornadoes, and floods — a higher-than-average auto theft risk, and a wildfire risk greater than in 83% of counties across the U.S.
Check out the table below to see how Tulsa’s average monthly insurance costs compare to the Oklahoma state average.
Car Insurance Costs in Tulsa vs. Oklahoma  | Average Monthly Quote |
|---|---|
| Tulsa average | $142 |
| Oklahoma average | $127 |
State Farm has some of the cheapest car insurance rates in Tulsa, with liability coverage averaging $39 per month. State Farm has the lowest full-coverage rates, averaging $88 per month.
Liability rates start at $39 per month
Some Tulsa streets are safer to drive on than others. A 2025 intergovernmental report flagged several stretches of road as particularly dangerous and in need of traffic modifications:
East Virgin Street, between South Peoria Avenue and North Xanthus Avenue
South Elgin Avenue, between East 8th Street and East 2nd Street
West Haskell Place, between North Denver Avenue and North Martin Luther King Jr Boulevard
Downtown Tulsa has plenty of parking, with numerous garages and parking lots. Paid on-street parking accounts for about one-third of available parking spots and costs $1 per hour on weekdays before 5 p.m. There’s a two-hour time limit, and drivers can pay through an app or at a sidewalk pay station.
Weather is another factor. Damaging hailstorms are common — especially in the spring — and May is considered peak tornado month. May is also one of the wettest months in Tulsa, and with the Arkansas River running through the city, the risk of flooding increases.
And while Oklahoma’s uninsured motorist rate has dropped in recent years, due in part to the state’s Uninsured Vehicle Enforcement Diversion Program, about 12% of the state’s drivers are uninsured, according to the Insurance Information Institute.
Although auto theft used to be a much bigger problem in Tulsa, the theft rate decreased by 22% in 2025. Even so, the city recorded more than 800 stolen cars in the first half of 2025.
Two of the three most popular cars among Tulsa drivers — the Ford F-Series and the Chevy Silverado — are also frequent targets of auto thieves, ranking among the top 10 most-stolen vehicles nationwide.
Only one city in Oklahoma has higher auto insurance rates than Tulsa: Oklahoma City. Compared to Tulsa, Oklahoma City has a slightly higher vehicle theft rate (1,045 in the first half of 2025) and a slightly higher accident fatality rate.
Enid, located about two hours northwest of Tulsa, has some of the state’s lowest rates, largely because of its smaller population and lower accident risk.
The following table shows average monthly auto insurance quotes in several Oklahoma cities.
City | Average Monthly Quote |
|---|---|
| Ardmore | $122 |
| Bartlesville | $121 |
| Enid | $112 |
| Lawton | $127 |
| Muskogee | $125 |
| Norman | $139 |
| Oklahoma City | $156 |
| Ponca City | $113 |
| Stillwater | $116 |
| Tulsa | $142 |
Several interstates and highways extend from Tulsa like spokes on a wheel, including Interstate 44, U.S. Route 75, and U.S. Route 169. This makes sense, given Tulsa’s long history as a regional manufacturing hub for many industries — especially oil and gas.[1]
The city is in the midst of several major road construction projects, including widening 91st Street to five lanes and adding bike lanes. During this time, drivers can expect lane shifts and closures, according to the City of Tulsa.
While Tulsa drivers have a relatively short commute to work — just 18 minutes per day, on average, according to the U.S. Census Bureau — they still spend 48 hours stuck in traffic every year, per a Texas A&M Transportation Institute study.[2]
All Tulsa drivers need at least 25/50/25 in liability coverage to meet Oklahoma’s state minimum insurance requirements.[3] If you cause an accident, state-minimum coverage pays up to $25,000 per person and $50,000 per accident for bodily injury, and up to $25,000 for property damage liability.
Minimum coverage in Tulsa costs an average of $100 per month.
This table shows the cheapest rates for liability-only auto insurance coverage in Tulsa.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $39 |
| USAA | $50 |
| Allstate | $55 |
| Progressive | $65 |
| Mercury | $68 |
| National General | $79 |
| The General | $82 |
| AssuranceAmerica | $84 |
| Farmers | $85 |
| Safeco | $91 |
| GEICO | $94 |
| Bristol West | $105 |
| Root | $108 |
| GAINSCO | $117 |
| Shelter | $119 |
| Direct Auto | $122 |
| CSAA | $130 |
| Liberty Mutual | $176 |
In Tulsa, 28% of drivers are paying off a car loan and 3% have an auto lease, according to Insurify data. Auto lenders typically require these drivers to carry full-coverage car insurance to protect their investment.
Comprehensive coverage protects your car against weather damage common in Tulsa, such as hailstorms, tornadoes, and floods, as well as theft and vandalism. Gap insurance pays the difference between what you owe on your car and its value if you total it.
A full-coverage policy in Tulsa averages $184 per month.
The following table highlights the companies with the cheapest full-coverage car insurance rates in Tulsa.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $88 |
| USAA | $110 |
| Allstate | $121 |
| Progressive | $139 |
| Mercury | $151 |
| National General | $161 |
| AssuranceAmerica | $168 |
| Root | $174 |
| Safeco | $182 |
| Farmers | $186 |
| GEICO | $196 |
| CSAA | $202 |
| The General | $224 |
| Direct Auto | $228 |
| Bristol West | $254 |
| Shelter | $261 |
| Liberty Mutual | $280 |
| GAINSCO | $329 |
*Quotes generated for Insurify users in and around Tulsa, Oklahoma within the last 10 days. Last updated on May 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Tulsa, Oklahoma within the last 10 days. Last updated on May 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
In Tulsa, 4% of drivers have a ticket on their record, Insurify data shows. If the police catch you speeding in a school zone in Tulsa, you’ll face a fine of $500, according to the Tulsa Police Department.
If you get pulled over for speeding in Oklahoma, fines range from $10 to $205, depending on how far over the limit you were, and you could even face jail time.
State Farm has the cheapest insurance in Tulsa if you have a speeding ticket in your driving history, with rates averaging $50 per month for liability coverage.
The table below shows the cheapest Tulsa auto insurance rates for drivers with a speeding ticket.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $50 |
| USAA | $66 |
| Allstate | $73 |
| Progressive | $85 |
| Mercury | $96 |
| National General | $101 |
| AssuranceAmerica | $109 |
| Farmers | $111 |
| The General | $112 |
| Safeco | $122 |
| GEICO | $125 |
| Bristol West | $135 |
| GAINSCO | $143 |
| Root | $147 |
| Direct Auto | $156 |
| Shelter | $161 |
| CSAA | $172 |
| Liberty Mutual | $229 |
Just over 4% of Tulsa drivers have an at-fault accident on their driving record, according to Insurify data. Auto insurance companies charge higher premiums when you’ve caused an accident.
In 2023, 75 people died in car accidents in Tulsa, according to data from the Oklahoma Highway Safety Office.
Drivers in Tulsa with an at-fault accident on their record pay $128 per month for liability insurance.
See the insurers with the lowest rates for drivers with an at-fault accident in Tulsa.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $51 |
| USAA | $66 |
| Allstate | $73 |
| Progressive | $83 |
| Mercury | $100 |
| National General | $104 |
| AssuranceAmerica | $110 |
| The General | $111 |
| Farmers | $112 |
| GEICO | $122 |
| Safeco | $125 |
| Bristol West | $136 |
| Root | $143 |
| GAINSCO | $148 |
| Shelter | $159 |
| Direct Auto | $164 |
| CSAA | $192 |
| Liberty Mutual | $230 |
In Tulsa, Insurify data shows that 0.6% of drivers have a driving under the influence (DUI) conviction.
In 2025, Oklahoma changed its laws so that it could charge certain DUIs as felonies. These include situations involving excessive speed or reckless driving, a crash, or a blood alcohol concentration (BAC) of 0.15% or higher.
The average liability-only insurance rate in Tulsa with a DUI is $121 per month.
The following table lists the cheapest rates for drivers with a DUI in Tulsa.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $52 |
| USAA | $66 |
| Allstate | $73 |
| Progressive | $79 |
| Mercury | $96 |
| National General | $105 |
| The General | $105 |
| AssuranceAmerica | $111 |
| Farmers | $113 |
| GEICO | $124 |
| Safeco | $128 |
| Bristol West | $139 |
| Root | $145 |
| GAINSCO | $155 |
| Shelter | $159 |
| Direct Auto | $162 |
| CSAA | $172 |
| Liberty Mutual | $233 |
Teen drivers in Oklahoma have the highest crash rate of any age group, according to the Oklahoma State Department of Health.
The state’s graduated driver licensing (GDL) program allows teens to get a learner’s permit at age 15 and a half, an intermediate license after completing 50 hours of driving (with 10 of those at night), and an unrestricted license six months after completing driver education.
Teens in Tulsa pay an average of $185 per month for liability insurance.
See the table below for companies with the lowest rates for teenage drivers in Tulsa.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $77 |
| USAA | $93 |
| Allstate | $110 |
| Progressive | $120 |
| Mercury | $126 |
| The General | $149 |
| National General | $160 |
| GEICO | $172 |
| Farmers | $172 |
| AssuranceAmerica | $176 |
| Safeco | $187 |
| Bristol West | $188 |
| Root | $190 |
| GAINSCO | $211 |
| Direct Auto | $239 |
| Shelter | $240 |
| CSAA | $254 |
| Liberty Mutual | $312 |
Check quotes from 120+ top insurance companies
In Tulsa, senior drivers pay an average of $93 per month for liability insurance.
Seniors aged 65 and older make up about 15% of Tulsa’s population. While licenses for drivers 65 and older are free, the state recently eliminated discounted licenses for drivers aged 62–64.
The following table shows the cheapest liability rates for seniors in Tulsa.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $32 |
| USAA | $42 |
| Allstate | $46 |
| Mercury | $56 |
| Progressive | $60 |
| National General | $65 |
| AssuranceAmerica | $68 |
| Farmers | $70 |
| The General | $72 |
| GEICO | $78 |
| Safeco | $82 |
| Shelter | $88 |
| Bristol West | $91 |
| Root | $94 |
| GAINSCO | $104 |
| Direct Auto | $104 |
| CSAA | $105 |
| Liberty Mutual | $152 |
Auto insurance rates are higher in Tulsa than what drivers pay statewide, but you can find the best insurance by shopping around. See the answers to frequently asked questions below for more information.
Tulsa drivers pay an average of $100 per month for a minimum-coverage insurance policy and $184 per month for full coverage.
State Farm has the cheapest insurance rates in Tulsa, with liability-only coverage averaging $39 per month.
In Tulsa, Progressive has lower prices than GEICO. Progressive charges $61 per month for liability insurance compared to GEICO’s $87 per month.
Some of the best car insurance companies in Tulsa include USAA, Shelter Insurance, and State Farm. J.D. Power ranks these companies highest for customer satisfaction in the central region, which includes Oklahoma.
Consider your insurance needs, and talk to your insurance agent about the best coverage for you. Ask about higher deductibles, and find out which discounts you qualify for. Bundling auto and homeowners insurance can save you money, and you can often get the best rate by checking insurance quotes from several companies before each renewal.
Safe driving over time can also help you save money on your insurance coverage.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
)
)
)
)
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.