Car Insurance in Tulsa, Oklahoma
Estimated full coverage in Tulsa runs about $1,550 a year ($129/month) — ▲ +8% versus the Oklahoma average, ranking 5th most expensive of the 9 Oklahoma cities we cover.
Why car insurance in Tulsa costs more than the Oklahoma average
Insurers price by territory, and Tulsa's numbers explain most of the gap. With 415,154 residents on 197.7 square miles, the city's density (2,100 people per square mile) is 6.6 times the density where the typical Oklahoma resident lives (317). The average commute is 18.9 minutes (Oklahoma: 22.4), and 74% of workers drive alone. Together these put our location factor at 1.07× the state baseline for liability and collision, and 1.08× for comprehensive once FEMA weather risk for Tulsa County is included.
| Factor | Tulsa | Oklahoma ref. | Why it matters |
|---|---|---|---|
| Population density | 2,100 / sq mi | 317 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 18.9 min | 22.4 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 2.8% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 74.1% | — | Share of workers commuting by car. |
| Public transit to work | 0.5% | — | Transit use lowers how much residents drive. |
| Work from home | 11.5% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 8.3% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 88.2 | 86.1 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Tulsa
Rates can change from one ZIP code to the next. Across 24 Tulsa ZIP codes, our full-coverage estimate ranges from $1,400 in 74116 to $1,625 in 74171. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 74133 | 48,699 | 3,564 | 20.0 min | 6.8% | $1,605 | +4% |
| 74136 | 31,416 | 4,062 | 19.3 min | 10.9% | $1,610 | +4% |
| 74137 | 28,533 | 2,744 | 20.6 min | 3.6% | $1,595 | +3% |
| 74105 | 26,951 | 3,708 | 17.2 min | 9.0% | $1,575 | +2% |
| 74115 | 24,297 | 1,517 | 20.6 min | 7.4% | $1,545 | 0% |
| 74134 | 23,323 | 1,932 | 20.9 min | 4.0% | $1,570 | +1% |
| 74112 | 21,386 | 3,137 | 19.8 min | 7.2% | $1,595 | +3% |
| 74135 | 20,138 | 3,276 | 16.4 min | 9.4% | $1,555 | 0% |
| 74129 | 18,382 | 4,612 | 18.3 min | 8.6% | $1,605 | +4% |
| 74145 | 18,196 | 3,062 | 17.4 min | 5.8% | $1,560 | +1% |
| 74146 | 16,507 | 3,213 | 17.6 min | 11.0% | $1,570 | +1% |
| 74127 | 16,324 | 765 | 17.2 min | 8.6% | $1,455 | −6% |
| 74114 | 15,944 | 3,300 | 15.2 min | 2.1% | $1,540 | −1% |
| 74106 | 15,655 | 2,050 | 18.7 min | 23.7% | $1,545 | 0% |
| 74110 | 15,244 | 2,593 | 21.0 min | 8.1% | $1,595 | +3% |
| 74128 | 13,751 | 3,826 | 18.7 min | 5.0% | $1,595 | +3% |
| 74104 | 12,806 | 4,726 | 16.2 min | 8.9% | $1,580 | +2% |
| 74132 | 10,858 | 861 | 18.7 min | 4.7% | $1,480 | −5% |
| 74108 | 7,315 | 843 | 22.2 min | 4.1% | $1,520 | −2% |
| 74120 | 5,195 | 2,468 | 18.1 min | 10.0% | $1,555 | 0% |
| 74119 | 3,670 | 4,705 | 16.7 min | 10.9% | $1,585 | +2% |
| 74116 | 3,617 | 201 | 20.5 min | 14.2% | $1,400 | −10% |
| 74103 | 2,450 | 3,746 | 16.3 min | 26.3% | $1,565 | +1% |
| 74171 | 2,207 | 6,182 | 18.0 min | — | $1,625 | +5% |
Minimum car insurance in Tulsa
Tulsa drivers follow Oklahoma's rules: at least 25/50/25 liability coverage. Oklahoma is at-fault (tort). We estimate state-minimum coverage in Tulsa at $505 a year, and $735 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Oklahoma does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured/underinsured motorist coverage is not mandatory, but insurers must offer it; declining it requires a signed rejection form. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Offered together with uninsured motorist coverage (minimum 25/50 if purchased). | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Tulsa premiums
Accidents
Oklahoma recorded 645 traffic deaths, or 1.39 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Oklahoma's vehicle theft rate is 195 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Tulsa County as relatively high for hail, relatively high for inland flooding and very high for strong wind, and very low for hurricanes.
Traffic & commuting
2.8% of Tulsa commuters spend an hour or more getting to work, and there are 1.66 vehicles per household. 11.5% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 98.4 | Comprehensive (car); roof claims (home) | |
| Tornado | 99.1 | Comprehensive; dwelling | |
| Hurricane | 46.4 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 97.9 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 99.4 | Comprehensive; dwelling | |
| Winter weather | 89.4 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Tulsa by driver profile
A clean-record driver in their 50s pays the least in our Tulsa model (about $1,430 for full coverage); an 18-year-old on their own policy pays about $4,265, and a DUI pushes a 30-something to $2,870.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,395 | $2,020 | $4,265 | $355 |
| Young adult (22) | $810 | $1,175 | $2,485 | $207 |
| Adult in their 30s | $505 | $735 | $1,550 | $129 |
| Adult in their 50s | $465 | $675 | $1,430 | $119 |
| Senior (72) | $570 | $825 | $1,740 | $145 |
| 30s, one at-fault accident | $735 | $1,065 | $2,250 | $188 |
| 30s, DUI on record | $940 | $1,360 | $2,870 | $239 |
Minimum vs. standard vs. full coverage in Tulsa
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $505 | $42 | $415–$600 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $735 | $61 | $605–$865 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,550 | $129 | $1,270–$1,830 |
Estimate your premium in Tulsa
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Cheap car insurance in Tulsa: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Tulsa's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $115 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $105 | You're among the 11.5% of Tulsa workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $450 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $815 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $345 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Tulsa
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 167 offices listed below.
- Check complaint records with the Oklahoma Insurance Department (complaint information) before you buy.
- Mention your ZIP code accurately — within Tulsa, our estimates differ by up to $225 a year between neighborhoods.
Car insurance agents near Tulsa, OK
We found 167 insurance offices within about 11 miles of central Tulsa, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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All American Insurance
6135 East 21st Street South, Tulsa, OK 74114 -
Access Insurance
OK -
Low Cost Insurance
OK -
Genesis Auto Insurance
OK -
State Farm
8165 East 31st Street South, Tulsa, OK 74145 -
Cheapest Auto Insurance
1443 South Memorial Drive East, Tulsa, OK 74112 -
State Farm
3125 South Yale Avenue East, Tulsa, OK 74135 -
AES Insurance
1635 South Yale Avenue East, , OK 74112 -
Genesis Auto Insurance
6424 East 11th Street South, Tulsa, OK 74112 -
EZ Insurance
South Memorial Drive East, Tulsa, OK -
Northwest General Insurance Agency
3805 South 79th Avenue East, Tulsa, OK 74145 -
Steve Marx - State Farm
4115 E 31st Street, Tulsa, OK 74135 -
Michael Nelson - State Farm
7216 E 41st St, Tulsa, OK 74145 -
Jerett Hardy - Farmers Insurance
4111 S Darlington Ave, Tulsa, OK 74135 -
Michael T Vowels - Farmers Insurance
3745 E 31st St, Tulsa, OK 74135 -
Mark N Cunningham - Farmers Insurance
8169 E 41st St, Tulsa, OK 74145 -
Cheapest Car Insurance
4024 South Yale Avenue East, Tulsa, OK 74135 -
Patrick Allford - Allstate
5746 E Skelly Dr, Tulsa, OK 74135 -
Espino Insurance
302 South Sheridan Road East, Tulsa, OK 74112 -
Cheapest Auto Insurance
9747 East 31st Street, Tulsa, OK 74146 -
Luke Bryant - Farmers Insurance
3023 S Harvard Ave, Tulsa, OK 74114 -
Farmers Insurance
OK -
Progressive
1635 South Harvard Avenue East, Tulsa, OK 74112 -
Rafael Jose Santiago - Farmers Insurance
1546 S Harvard Ave, Tulsa, OK 74112 -
The Insurance Spot
OK -
State Farm
OK -
Cheapest Auto Insurance
3239 East 15th Street South, Tulsa, OK 74112 -
Teresa Sotelo - Farmers Insurance
10396 E 21st St, Tulsa, OK 74129 -
Shelter Insurance
OK -
Stacy Sweeten - State Farm
3220 East 15th Street, Tulsa, OK 74104 -
Allstate
OK -
James Caesar Collins - Farmers Insurance
4845 S Sheridan Ave, Tulsa, OK 74145 -
Metro Insurance
OK -
Alexandra Holder - Farmers Insurance
1449 S Florence Ave, Tulsa, OK 74104 -
Robert Daniel Yocom - Farmers Insurance
3309 E 39th St, Tulsa, OK 74135 -
Gary W Lehrman - Farmers Insurance
9717 E 42nd St, Tulsa, OK 74146 -
Primeco Claims Group
OK -
Mike Lee Stockton - Farmers Insurance
7625 E 51st St, Tulsa, OK 74145 -
Farmers Insurance
OK -
John Bonnewitz - Allstate
4146 S Harvard Ave, Ste F3, Tulsa, OK 74135
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Tulsa
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,160 | −25% |
| Subaru Outback | Wagon | $1,170 | −25% |
| Tesla Model 3 | Midsize car | $1,620 | +5% |
| Subaru Forester | Small SUV | $1,150 | −26% |
| Honda Civic | Compact car | $1,740 | +12% |
| Toyota Corolla | Compact car | $1,630 | +5% |
| Jeep Wrangler | Midsize SUV | $1,240 | −20% |
| Mazda CX-5 | Small SUV | $1,295 | −16% |
| MINI Cooper | Subcompact car | $1,165 | −25% |
| Tesla Model Y | Midsize SUV | $1,455 | −6% |
More car insurance topics in Tulsa
Car insurance in nearby Oklahoma cities
- Broken Arrow $1,590/yr · 9 mi
- Edmond $1,560/yr · 90 mi
- Midwest City $1,620/yr · 95 mi
- Oklahoma City $1,545/yr · 101 mi
- Norman $1,510/yr · 102 mi
- Moore $1,635/yr · 104 mi
- Durant $1,425/yr · 150 mi
- Lawton $1,455/yr · 176 mi
All Oklahoma cities and state rules · Homeowners insurance in Tulsa
Frequently asked questions
How much is car insurance in Tulsa, OK?
We estimate full coverage in Tulsa at about $1,550 a year ($129 a month) for a driver in their 30s with a clean record, and about $505 for Oklahoma's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Tulsa more expensive than the Oklahoma average?
Our Tulsa estimate is 8% higher than the statewide figure. The model reflects a population density of 2,100 people per square mile (the typical Oklahoma resident lives at about 317) and an average commute of 18.9 minutes versus 22.4 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Tulsa?
Drivers in Tulsa follow Oklahoma law: at least 25/50/25 liability coverage.
Which ZIP code in Tulsa has the cheapest car insurance?
Among Tulsa's 24 ZIP codes, 74116 has the lowest estimate (about $1,400 a year for full coverage) and 74171 the highest (about $1,625), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Tulsa?
An 18-year-old with their own full-coverage policy would pay around $4,265 a year in Tulsa by our estimate ($1,395 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Tulsa?
Yes. FEMA's National Risk Index rates Tulsa County for hail (relatively high), inland (river) flooding (relatively high), and tornado (very high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Tulsa?
We list 167 insurance offices in and around Tulsa, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Oklahoma Insurance Department: Uninsured Motorist
- Oklahoma Insurance Department: A Guide to Dealing with Auto Insurance & Accidents
- Service Oklahoma: Violations, Suspensions & Reinstatements
- Oklahoma Insurance Department: File an Online Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Tulsa and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places