Here’s everything you need to know about auto insurance in the Southwest city.

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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 (855) 518-0148 to start comparing free personalized car insurance quotes:

 

In this article:

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 two providers would be perfect for car insurance in Tulsa.

Best Tulsa Car Insurance Overall Star Rating Customer Service Affordability Coverage

1. Geico Car Insurance

4.5

4.0

4.0

4.0

2. Progressive Car Insurance 

4.5

3.5

3.5

4.0

 

 

 

Geico Insurance logo

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 $33 billion in premiums in 2018 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.

Customer Service

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.

Our Verdict

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.

Pros Cons

Affordability

Average quote experience

Second largest company in the nation

 

Good for students and military

 

Accident forgiveness

 

Roadside assistance

 

To learn more about the car insurance provider, check out our review of Geico.

 


 

Progressive Insurance logo

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

Customer Service

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.

Our Verdict

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.

Pros Cons
Affordability

Does not offer military discount

Technology-savvy

Mixed customer service reviews

Multiple add-on options

 

Several money-saving features

 

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. 

To see which provider offers the best car insurance rates for you, call (855) 518-0148 or enter your zip code in this tool:

 

 

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
Liability coverage $502.71
Collision coverage $343.57
Comprehensive coverage $254.61
Total cost $895.36
 

*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.

 


 

FAQ About Car Insurance In Tulsa, Oklahoma

Is car insurance mandatory in Oklahoma?

Yes. Unlike some states where motorists can have the requirement to carry insurance waived, all drivers in Oklahoma must have auto insurance. That said, motorists can reject the uninsured motorist coverage requirement by submitting a written rejection to the state.

What is the state minimum car insurance in Oklahoma?

Oklahoma law stipulates that drivers must have at least the following coverage. However, motorists can reject the uninsured motorist coverage in writing.

  • 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

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 (855) 518-0148 to start comparing personalized auto insurance quotes:

 

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