Car insurance cost is determined by your driving history, the type of car you have, the coverage you choose and where you live. You can buy it directly from a company or use an insurance agent to compare quotes and find the best price. We researched 20 different car insurance companies and insurance agents and read hundreds of reviews to find the best car insurance companies and agencies in Tulsa, Oklahoma.
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Where you live can have a major impact on your car insurance rates. Unfortunately, Oklahoma tends to be one of the more expensive states for the cost of car insurance. Both the weather and the number of uninsured drivers raise the average cost of insurance in Tulsa, and they also mean you might want to invest in an insurance policy that covers more than just the minimum requirements.
Oklahoma is one of the worst states for hail storms, which drives up insurance premiums for Tulsa residents since hail damage can cost car insurance companies a lot of money. If you want to make sure your car insurance company will pay to repair hail damage, you'll want to get comprehensive insurance, also known as full coverage.
It's illegal to drive here if you don't have the minimum state coverage. The minimum auto insurance coverage in Oklahoma is 25/50/25, meaning the insurance company will pay up to $25,000 for each person injured or killed in an accident, with a cap of $50,000. They'll also pay $25,000 for damage to someone else’s car or property. You’ll get the cheapest insurance possible if you only get state minimum coverage.
The law doesn’t stop people from driving without car insurance in Tulsa. In fact, about 10.5 percent of Oklahoma drivers are uninsured. If you get hit by an uninsured motorist your auto insurance company won’t necessarily pay for the damage to your car or for your medical bills. To make sure you'll be taken care of, you’ll need to add uninsured motorist coverage to your policy. This kind of insurance coverage is usually a part of comprehensive coverage plans.
So, how much is car insurance in Tulsa? We researched car insurance by zip code to find the average annual car insurance cost for a 30-year-old woman to get auto insurance in Tulsa. We found that you’ll get the cheapest car insurance if you live in the suburbs, and you’ll likely pay the most if you live in South Tulsa.
Location
Comprehensive
Liability
State Minimum
North Tulsa - 74115
$2,137
$678
$649
Downtown - 74186
$2,150
$644
$620
Midtown - 74105
$2,043
$683
$656
South Tulsa - 74137
$2,123
$685
$658
Broken Arrow - 74014
$1,942
$625
$601
Jenks - 74037
$1,904
$614
$589
Owasso - 74055
$1,823
$538
$518
*InsuraMatch companies are in good standing with regulatory authorities, have been vetted and approved by InsuraMatch and are represented by InsuraMatch or its affiliates.
Insurances offered: Home, renters, motorcycle, RV and more
Online reviews say that Progressive has saved them money on car insurance in Tulsa, and they report that dealing with claims is quick and easy. The company is a verified InsuraMatch partner, so you can contact InsuraMatch to get quotes from Progressive and other companies at the same time.
Insurances offered: Motorcycle, boat, RV, home and more
Liberty Mutual is an InsuraMatch partner, so you can call InsuraMatch to get a quote for Liberty Mutual and their competitors at once. Oklahoma reviewers say the company offers great customer service and that agents provide helpful information. People also like the Liberty Mutual website for managing their car insurance policy.
The General provides cheap auto insurance and may be a good choice if you're looking for state minimum coverage. In reviews, Oklahoma customers say it's easy to get insurance and proof of insurance with them. They're a part of InsuraMatch. Call InsuraMatch to get quotes from multiple companies, including The General.
Auto Insurance Center of Tulsa
Insurances offered: ATV, trailers, motorcycle, campers/RV's and food truck
Auto Insurance Center of Tulsa is an insurance agency that can give you quotes from multiple companies. In online reviews, customers say it has good customer service and friendly employees. It has an A+ rating from the BBB.
A-1 Insurance Agency
Insurances offered: Home, life, health and business
A-1 Insurance prides itself on being fast, friendly and fair. It can give you quotes from a wide variety of car insurance companies, like Progressive, MetLife and Traveler's. A-1 Insurance can also find a company that offers all the types of insurance you need.
Tulsa Insurance Guy
Insurances offered: Classic car, trucking, motorcycle, RV and more
The Tulsa Insurance Guy is a small insurance broker that sells a wide variety of insurance types. Online reviewers love the people at the agency and say it was easy to get insurance through them. The agency is very small, so if you're looking for personal attention, it might be a good choice for you.
A-Affordable Insurance
Insurances offered: Home, camper, RV, trailer, boat, antique and motorcycle
In online reviews, customers say they got low rates through the insurance agents at A-Affordable, which has an A+ rating with the BBB. The agency can get quotes for you for home and motorcycle insurance as well as car insurance. A-Affordable offer car insurance in Tulsa, Broken Arrow, Sand Springs and the surrounding areas.
All American Insurance
Insurances offered: Antique car, RV, boat, motorcycle and more
All American Insurance is a brokerage agency that can give you quotes from a lot of different car insurance companies. Many online reviews say they've had policies through All American for decades, and the agency has an A+ Better Business Bureau rating.
AES Insurance Brokers
Insurances offered: Motorcycle, RV, ATV and more
AES Insurance Brokers has an A+ rating with the Better Business Bureau, and online reviewers report that the staff is friendly and helpful. If you're looking to get quotes from multiple insurers at once, they can help you.
Charles G. Harris Insurance Agency
Insurances offered: Motorcycle, boat, RV and commercial
Harris Insurance is a family owned insurance agency that can help you find the best insurance for your situation. Online reviewers say the employees are friendly and make the insurance buying process easy. The agency is small and family-owned, so they can offer you personal attention.
Daemi Group Insurance
Insurances offered: Business, life, home, workman's comp and renters
Daemi Group Insurance has four locations in the Tulsa area, so you can choose the most convenient one for you. Online reviewers like the agency's friendly employees and praise its customer service. It has an A+ rating with the BBB.
EZ Insurance Agency
Insurances offered: Motorcycle, boat, RV and more
Online reviews specifically mention that EZ Insurance Agency is good at finding cheap car insurance, and they report that the staff treat you like family. The agency has an A+ rating with the Better Business Bureau. In addition to the Tulsa location, it has offices in Broken Arrow and Sapulpa.
Cheapest Auto Insurance
Insurances offered: Mexico travel insurance
Cheapest Auto Insurance focuses on auto insurance to help you find a good rate. Several online reviewers specify that employees at this agency helped them find affordable auto insurance and helped them change insurers when their rates increased. Cheapest Auto Insurance also serves residents in Texas, Arkansas and Kansas.
Advantage 1 Auto Insurance
Insurances offered: Motorcycle and home
Advantage 1 Auto Insurance has two offices in the Tulsa area as well as an office in the Oklahoma City area. It also has locations in Arkansas, Missouri, Texas and Tennessee. The company can help you find car insurance and get quotes from several companies.
Shannon Morris - State Farm
Insurances offered: Business, home, property, life and health
Shannon Morris is a State Farm agent licensed in Oklahoma, so you'll be able to get any kind of insurance that State Farm offers through her. Local online reviewers say that Shannon is professional and caring, and they report that she helps them get the right insurance coverage.
Save Money Car Insurance
Insurances offered: none
Save Money Car Insurance is an insurance agency devoted to finding cheap auto insurance. In online reviews, Tulsa customers say the company found them great auto insurance rates and has excellent customer service. The agency has an A+ rating with the BBB.
Bobby Williamson - State Farm
Insurances offered: Property, home, business, life and health
Bobby Williamson is a licensed Oklahoma insurance agent that sells State Farm insurance policies. State Farm offers a wide variety of insurance products. Online reviewers report that Bobby's office has exceptional customer service and that the staff goes out of their way to help customers.
Shelter Insurance - Marco Shoals
Insurances offered: Motorcycle, Boat, RV and more
Marco Shoals is licensed to sell several types of insurance policies in Oklahoma. He works as a Shelter Insurance agent. One online reviewer raved about Marco's ability to help him understand complicated coverage.
Shelter Insurance - Leon Day
Insurances offered: Motorcycle, ATV, boat, RV and more
Leon Day is a Shelter Insurance agent, licensed in the state of Oklahoma. He can sell customers a wide variety of policies through Shelter, including auto insurance. Leon likes to make sure his clients have the right types and amount of insurance coverage.
American Auto and Home Insurance
Insurances offered: Home and business
American Auto and Home Insurance offers a limited number of products, but they can get quotes for you from a large number of companies. They also have an A+ rating with the BBB, and online reviewers report saving lots of money when working with one of their agents.
Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.
Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgment or subject matter expert’s judgment. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.
Auto Insurance Center of Tulsa
A-1 Insurance Agency
Tulsa Insurance Guy
A-Affordable Insurance
All American Insurance
AES Insurance Brokers
Charles G. Harris Insurance Agency
Daemi Group Insurance
EZ Insurance Agency
Cheapest Auto Insurance
Advantage 1 Auto Insurance
Shannon Morris - State Farm
Save Money Car Insurance
Shelter Insurance - Marco Shoals
American Auto and Home Insurance
