Cheapest car insurance companies in Tulsa
According to a study by Insurance.com, the cheapest car insurance companies in Tulsa for 2023 are Progressive and Geico.
Progressive is the cheapest option for most Tulsa drivers, with an average annual rate of $1,388 .
In Tulsa, what you pay for car insurance depends on factors such as your location, driving history, coverage level, and the insurance carrierAn insurance carrier is the company that provides your car insurance policy and pays claims.. Take time to compare price quotes from at least three insurers to get the best coverage at an affordable rate. The table below shows the car insurance companies with cheap insurance rates.
| Companies | Average annual rates |
|---|---|
| Progressive | $1,388 |
| USAA | $1,628 |
| Geico | $1,922 |
| State Farm | $1,989 |
| Mercury Insurance | $2,181 |
| Shelter Insurance | $2,357 |
| AFR Insurance | $2,532 |
| Allstate | $2,901 |
| Farmers | $3,052 |
| Oklahoma Farm Bureau | $3,439 |
Cheapest car insurance cost in Tulsa by Age Group
AFR Insurance is the cheapest option for car insurance in Tulsa for teen drivers, with average annual premiums at just $4,307 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.
However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible.
Progressive is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Tulsa at about $2,404 per year.
An analysis of car insurance rates for Tulsa drivers reveal a significant decrease in premiums for individuals in their 30s compared to those in their 20s. Progressive offers the cheapest full-coverage car insurance rates at $1,396 per year.
With an average annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $1,250, Progressive offers Tulsa's senior drivers the cheapest car insurance premiums, ensuring financial security and peace of mind behind the wheel.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| AFR Insurance | $4,307 | $3,098 | $2,552 | $2,661 |
| USAA | $4,861 | $2,471 | $1,647 | $1,704 |
| State Farm | $5,475 | $3,237 | $1,998 | $1,911 |
| Geico | $6,742 | $2,841 | $1,913 | $2,042 |
| Shelter Insurance | $6,960 | $4,424 | $2,441 | $2,209 |
| Farmers | $7,093 | $5,489 | $2,898 | $3,121 |
| Progressive | $7,346 | $2,404 | $1,396 | $1,250 |
| Oklahoma Farm Bureau | $9,115 | $5,220 | $3,360 | $3,026 |
| Mercury Insurance | $9,568 | $3,942 | $2,213 | $2,130 |
| Allstate | $10,718 | $4,448 | $2,880 | $3,000 |
Cheapest car insurance companies in Tulsa by driver profile
Your driving profile plays an important role in determining your car insurance rates in Tulsa. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.
Finding the cheapest car insurance in Tulsa requires comparing quotes from multiple companies. This way, you can get the best coverage for your budget. Don't settle for the first offer; explore options for the most affordable fit.
Below are some of the cheapest car insurance companies in Tulsa by driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: State Farm
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Geico
If you're a Tulsa driver with poor credit, Geico is the cheapest car insurance company for you, based on Insurance.com's in-depth data analysis. It offers a full-coverage car insurance policy at an average cost of $1,703 annually.
Know which car insurance companies offer affordable car insurance for drivers with poor credit scores in Tulsa.
| Company | Average annual rates |
|---|---|
| Geico | $1,703 |
| USAA | $2,282 |
| Farmers | $2,760 |
| Allstate | $2,851 |
| Progressive | $4,943 |
| State Farm | $7,068 |
Cheapest for drivers with a speeding ticket: State Farm
Based on recent data analysis, 30-year-old drivers in Tulsa with speeding tickets on their driving record can get the cheapest car insurance rates from State Farm at an annual cost of $1,583.
Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors.
Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price.
| Company | Average annual premium |
|---|---|
| State Farm | $1,583 |
| USAA | $1,583 |
| Geico | $2,010 |
| Allstate | $2,162 |
| Farmers | $2,374 |
| Progressive | $4,028 |
Cheapest auto insurance after an at-fault accident: State Farm
According to Insurance.com's analysis, State Farm tops the list of cheap car insurance providers in Tulsa for drivers involved in at-fault accidents, with an average annual cost of $1,684. After being in an at-fault accident, finding cheap car insurance rates might seem challenging, but by comparing quotes, you can find a policy that aligns with your budget.
| Company | Average annual rates |
|---|---|
| State Farm | $1,684 |
| USAA | $2,019 |
| Geico | $2,493 |
| Farmers | $2,749 |
| Allstate | $2,770 |
| Progressive | $5,448 |
Cheapest auto insurance after a DUI: State Farm
State Farm is the cheapest option for Tulsa drivers seeking affordable auto insurance rates after a DUI conviction, at an annual rate of $1,583, on average.
A DUI conviction typically leads to a rise in your auto insurance costs. But if you shop around and compare quotes from various insurers, you can find a good deal on your insurance premiums.
| Company | Average annual rates |
|---|---|
| State Farm | $1,583 |
| USAA | $2,367 |
| Farmers | $2,845 |
| Allstate | $2,940 |
| Geico | $3,404 |
| Progressive | $4,084 |
Average car insurance cost in Tulsa
The average car insurance rate in Tulsa for full coverage is $2,339 per year or $195 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Tulsa is $542 per year.
Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as
| Average annual Rates | State minimum average |
|---|---|
| $2,339 | $542 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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