Oklahoma is one of the less expensive states for auto insurance, although you will pay more for living in a city like Tulsa, as drivers here travel more annually than most places in the nation.
Below, we will discuss the minimum requirements for car insurance in Tulsa, what you can expect to pay, and what to know about driving in Oklahoma. We recently researched the best car insurance companies in the industry, so to help you find the best car insurance in Tulsa, we will make a few recommendations for the Southwest city.
Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and car insurance rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.
Enter your zip code in our tool below or call (844) 246-8209 to start comparing free personalized car insurance quotes:
In this article:
- 5 Best Cheap Tulsa Car Insurance Providers
- Requirements For Car Insurance: Tulsa
- How Much Does Car Insurance In Tulsa Cost?
- Can You Drive Without Car Insurance In Tulsa?
- FAQ About Car Insurance In Tulsa, Oklahoma
5 Best Cheap Tulsa Car Insurance Providers
In evaluating the best insurance company options, we found several companies that also suit the needs of drivers in Tulsa, Oklahoma. To determine which company fits your needs, you should consider several aspects. First, you should look at the provider’s reputation. You also want to examine customer service rankings and the cost of having a policy. From there, it’s good to research the available car insurance discounts and look at the additional perks.
We’ve already done all of that and found that these five providers would be perfect for car insurance in Tulsa.
|Best Tulsa Car Insurance||Motor1 Rating||Customer Service||Affordability||Coverage|
4. Auto-Owners Insurance
#1 Geico: First Choice For Car Insurance In Tulsa
Geico is one of the largest insurance companies in the United States and our top pick for Tulsa car insurance. The provider has a very strong financial base. According to the National Association of Insurance Commissioners, Geico wrote over $34 billion in premiums in 2019 alone. AM Best has also given Geico an A++ financial strength rating, the highest possible.
Geico’s strong financial backing makes it less likely for you to have problems getting a claim fulfilled. Unlike smaller companies that may prioritize keeping costs low (including claim fulfillment costs), large companies like Geico have more room to prioritize things like customer satisfaction.
Coverage With Geico
Geico offers the six standard types of Tulsa car insurance, as well as optional coverages including:
- Mechanical breakdown insurance: This functions like an extended car warranty or vehicle service contract. If your car needs repairs that are due to mechanical failure, Geico will cover the cost up to a certain amount.
- Emergency roadside assistance: If your car breaks down and you need a tow or other similar emergency assistance, Geico will cover a portion of the cost.
According to the National Association of Insurance Commissioners (NAIC), Geico receives fewer than the median number of complaints for an insurance company of its size, indicating that customers are quite satisfied with their coverage. Geico scored near the top of the pack in J.D. Power’s 2019 U.S. Auto Claims Satisfaction Survey, earning 879 out of a possible 1,000 points. It also ranked highest among large carriers in the 2020 U.S. Insurance Shopping Study.
Overall, Geico has some of the best auto insurance in Tulsa. The company has affordable rates, high-quality customer service, and a top-notch mobile app that makes getting quotes, updating your policy, and filing claims easy.
Many choices for coverage
Average quote experience
High level of customer satisfaction
Usage-based app not available in all states
Superior financial strength rating and A+ rating from the BBB
Accident forgiveness and roadside assistance
Available in 50 states
To learn more about the car insurance provider, check out our review of Geico.
#2 Progressive: Runner-Up For Tulsa Car Insurance
If Geico doesn’t fit the bill for your Tulsa auto insurance, we recommend looking into Progressive car insurance. Progressive has been operating since 1937 and has built a solid reputation over its 80 years in business. AM Best gave Progressive a financial rating of A+, which – although not as high as Geico – is a very strong score.
Coverage With Progressive
Along with standard insurance coverage, Progressive offers the following options for Tulsa car insurance:
- Pet injury protection: Covers the cost of injuries for your pet if it is with you during a collision
- Rideshare insurance: Covers motorists who drive for ridesharing apps like Uber or Lyft
Progressive’s customer service is just about average. Although only 23 points behind Geico in the J.D. Power Auto Claims Study, Progressive ranked in the lower half of more than 20 companies included in the study. That being said, Progressive’s financial rating lets us know that the provider is there for customers during the claims process when it comes to fulfillment.
If Geico isn’t what you’re looking for, Progressive is worth considering for Tulsa car insurance, especially for those with pets. It is a reputable insurance company with a long history behind it and affordable rates in Oklahoma. Additionally, we always recommend that you compare car insurance quotes from several insurance companies to find cheap car insurance.
|Good choice for high-risk drivers|| |
Does not offer military discount
|Easy quotes process|| |
Mixed customer service reviews
|Superior financial strength rating and A- rating from the BBB|| |
Average customer satisfaction
|Several money-saving features|| |
Higher rates than some competitors
To learn more about the car insurance provider, check out our review of Progressive car insurance. If you want to see how Progressive compares to Geico, check out our in-depth review of Progressive vs Geico. If you are still not convinced, check out our State Farm car insurance review, or our review of USAA car insurance if you or a family member is in the military.
#3 USAA: Best For Military
USAA has offered low-cost car insurance to its members since 1922. It has an AM Best financial strength rating of A++ and a Better Business Bureau (BBB) score of A-. While it is among the best-regarded insurers in the country, USAA membership is restricted to military members and their families.
Coverage With USAA
Along with standard insurance coverage, USAA customers can purchase the following Tulsa car insurance coverage:
- GAP insurance: If your vehicle is declared a total loss, GAP insurance covers the difference between your vehicle's actual cash value (ACV) and the amount you still owe in car payments.
- Car replacement assistance (CRA): Similar to GAP insurance, but pays 20 percent more than your vehicle's ACV.
- Rideshare insurance: Covers motorists who drive for ridesharing apps like Uber or Lyft
USAA consistently receives high marks for customer service. In the 2020 J.D. Power satisfaction study for the Central region (which includes Tulsa), it scored 905 out of 1,000 points. This was the most points scored by any provider surveyed, though USAA was ineligible for ranking because of its limited availability.
For those who are eligible, USAA is likely to be the cheapest option for car insurance in Tulsa. However, we don't rank USAA as highly as Progressive or Geico because not every driver is eligible for coverage.
|Affordable rates and numerous discounts||Only available to military and their families|
|Good choice for military service members|
|Superior financial strength rating and A- rating from the BBB|
To learn more about USAA, check out our USAA insurance review.
#4 Auto-Owners Insurance: Best Local Agents
Auto-Owners insurance was founded in 1916 and operates out of its headquarters in Delta Township, Michigan. The company is rated A++ for financial strength by AM Best and has an A+ rating from the BBB.
Coverage With Auto-Owners
Auto-Owners sells policies for cars, motorcycles, boats, ATVs, trailers, and mobile homes. The insurer even provides coverage for classic cars and modified vehicles. In addition to standard insurance coverage, Auto-Owners also offers GAP insurance and a Personal Automobile Plus Package that includes:
- Trip interruption coverage: covers expenses if you experience a breakdown more than 100 miles from home
- Identity theft coverage: covers expenses that result from identity theft
- Personal property coverage: insures personal property that is stolen or damaged while in your vehicle
- Stereo, video, and media coverage: covers automobile stereo and video devices
- Cell phone coverage: covers cell phones and GPS devices if damaged in an accident or stolen from your vehicle
- Increased transportation cost coverage: provides reimbursement for alternative transportation while your vehicle undergoes covered repairs
- Loss of use by theft coverage: provides transportation reimbursement if you cannot use your car because it was stolen
- Non-owned trailer physical damage coverage: covers non-owned trailers designed for use with your vehicle
- Supplementary payments coverage: covers bail bonds, loss of earnings, and reasonable expenses after an accident or traffic law violation
- Re-key coverage: pays to have your key system replaced if your keys are stolen
- Rental GAP coverage: covers any damages you are liable for under your rental agreement
- Deductible amendatory: only pay one deductible if two of your vehicles are involved in the same covered loss
Auto-Owners policies are handled by local agents. On the one hand, this can make the quotes and claims process take longer. However, this also means that customers have access to dedicated local agents who are familiar with the ins and outs of Tulsa car insurance. Customers appear to be pleased with the service provided by Auto-Owners agents, as the company ranked first in the 2020 J.D. Power satisfaction survey for the Central region, scoring 868 out of 1,000 possible points.
If your aren't sure where to begin when shopping for car insurance in Tulsa, Auto-Owners is a good choice. Local agents can walk you through the purchase process and help you find the exact coverage that you need. Based on its industry reputation and customer satisfaction scores, Auto-Owners has excellent local agents.
|Local agents available for quotes and claims processes||Working through a local agent may draw out the quotes and claims process|
|High customer satisfaction scores and industry reputation|
#5 Shelter Mutual Insurance: Best Customer Service
Shelter Mutual Insurance provides life, home, business, and auto insurance for customers throughout the central U.S., including Oklahoma. It is rated A for financial strength by AM Best and has a reputation for high-quality customer service.
Coverage With Shelter
Along with standard insurance coverage, Shelter offers the following additional coverages and policy add-ons:
- New car replacement
- Accidental death coverage
- GAP insurance
- Rental reimbursement
- Disability income coverage
- Loss of use coverage
Because it is locally-focused, Shelter Mutual is able to provide high-level customer service through knowledgeable agents. While it is not accredited by the BBB, it does hold an A+ rating and has received very few negative reviews. In the J.D. Power satisfaction study for the Central region, it ranked third with 855 out of 1,000 possible points.
Shelter may not be the lowest-cost provider on this list, but we included it on this list because of the high satisfaction marks it gets from Tulsa drivers. The insurer offers a healthy selection of discounts and policy reductions for good students and good drivers. For some drivers, paying a little more may be worth an accompanying increase in service quality.
|Knowledgeable local agents||Higher rates for some customers|
|Strong industry ratings|
|Low number of customer complaints|
Requirements For Car Insurance: Tulsa
While insurance laws vary from state to state, the need for auto insurance is fairly consistent across the board. Only a handful of states allow drivers to provide alternative proof of financial responsibility to sidestep the requirements, and Oklahoma is not one of those states.
According to Oklahoma state law, motorists must have the following levels of car insurance in Tulsa.
- Bodily injury liability coverage: $25,000 per person and $50,000 per accident
- Property damage liability coverage: $25,000
- Uninsured motorist bodily injury liability coverage: $25,000 per person and $50,000 per accident
It’s important to note that drivers in Tulsa can reject uninsured motorist coverage in writing. Compared to other states, Oklahoma car insurance requirements are about average – they are by no means the most extensive requirements, nor the most minimal.
How Much Does Car Insurance In Tulsa Cost?
Having Tulsa car insurance isn’t as expensive as other major cities. According to the NAIC, Oklahoma car insurance rates in 2017 averaged $895.36 per year, which is cheaper than the national average cost of $1,004.68. Here’s a breakdown of the coverage costs for car insurance in Oklahoma that year according to the Insurance Information Institute:
|Type Of Coverage||Average Annual Expenditure in 2017|
*To calculate average expenditures, NAIC assumed that all insured vehicles would carry liability coverage but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.
Every state has its own risk factors that increase or decrease the average car insurance premium. Average number of miles driven per year is an impactful factor, as the more time drivers spend on the road, the more likely they are to get into an accident. According to the Federal Highway Administration, there are an average of 14,382 annual miles driven per vehicle in Oklahoma. This puts the Sooner State at the high end for annual miles driven and increases the risk for drivers in the state. Consequently, your rate for Tulsa car insurance is affected by this risk.
Can You Drive Without Car Insurance In Tulsa?
Unfortunately, Oklahoma has a very high amount of uninsured drivers – about 25 percent according to Brian Hermanson, chairman of the Oklahoma District Attorneys Council. While driving without insurance is illegal, the penalties can be rather mild: typically $174 in fines.
That said, driving without insurance is illegal, so we don’t recommend attempting to sidestep the law. Remember that the point of insurance is to protect you financially. Even if you didn’t get in trouble with the law, you could end up in financial ruin if you get into an accident without car insurance in Tulsa.
Get A Free Quote
Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.
Enter your zip code in our tool below or call (844) 246-8209 to start comparing personalized auto insurance quotes:
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
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