Best Tulsa, Oklahoma Auto Insurance in 2026 (Top 10 Companies Ranked)

State Farm, Geico, and American Family are the best Tulsa, Oklahoma auto insurance providers, recognized for their solid reputations, wide range of coverage options, and attractive bundling discounts.

These companies consistently deliver reliable service and affordable solutions tailored to diverse customer needs.

Our Top 10 Company Picks: Best Tulsa, Oklahoma Auto Insurance

In this article, we’ll explore the factors that set them apart and how they can help you secure the best coverage in Tulsa, Oklahoma. Check out our guide titled “What are the recommended auto insurance coverage levels?” to explore your coverage options.

Stop overpaying for auto insurance. Enter your ZIP code above to find out if you can get a better deal.

#1 – State Farm: Top Overall Pick

Pros

• Flexible Coverage Options: State Farm provides a variety of coverage choices that can be customized to fit the varying needs of Tulsa, Oklahoma drivers, ranging from comprehensive protection to liability coverage.
• 15% Policy Bundling Savings: Tulsa residents can achieve notable savings by combining multiple policies, such as auto and home insurance, through State Farm.
• Reliable Roadside Support: Offers comprehensive roadside support services, making it a dependable option for frequent commuters in Tulsa, Oklahoma. Wondering about their level of customer service? Find out in our State Farm auto insurance review.

Cons

• No Low-Usage Discount: Tulsa drivers who have lower mileage might miss out on potential savings, as State Farm does not offer a specific low-usage discount.
• Minimal Multi-Car Savings: The discounts on insuring multiple vehicles with State Farm in Tulsa, Oklahoma are not as significant as with some other insurers.

#2 – Geico: Best for Affordable Rates

Pros

• Cost-Effective Rates in Tulsa, Oklahoma: Geico is well-known for offering some of the most competitive auto insurance rates in Tulsa, making it a top choice for budget-conscious motorists.
• User-Friendly Online Platform: Geico provides an intuitive digital experience with advanced online tools, perfect for managing policies and processing claims efficiently for Tulsa residents.
• Military Discounts: Geico provides special discounts for military members and veterans residing in Tulsa, Oklahoma, making it a beneficial option for those eligible. Learn more about Geico’s rates in our Geico auto insurance company review.

Cons

• 12% Policy Bundling Savings: Geico’s bundling savings in Tulsa, Oklahoma are lower than what some competitors offer, which may affect overall savings for those with multiple policies.
• Fewer Local Agents: Geico has a limited number of local agents in Tulsa, Oklahoma, which could be inconvenient for those who prefer personal service.

#3 – American Family: Best for Discount Options

Pros

• Extensive Discounts in Tulsa, Oklahoma: American Family offers a broad range of discounts, including those for multi-policy, safe drivers, and long-term customers, leading to significant savings.
• A-Rated Financial Strength: American Family’s solid financial standing assures reliable claims processing and customer support for Tulsa, Oklahoma drivers. Read our online American Family review to find out more about the company.
• Local Offices Across Tulsa, Oklahoma: American Family has numerous local offices throughout Tulsa, offering easy access to personalized service and face-to-face support.

Cons

• Higher Insurance Costs: Despite available discounts, some Tulsa, Oklahoma drivers might find American Family’s premiums to be higher than those of other leading providers.
• Limited Presence Beyond Tulsa: American Family’s coverage is less widespread outside of Tulsa, Oklahoma, which could be a limitation for drivers who frequently travel or relocate.

#4 – The Hartford: Best for AARP Benefits

Pros

• AARP Member Perks in Tulsa, Oklahoma: The Hartford provides exclusive discounts and services specifically for AARP members, making it an excellent choice for older drivers in Tulsa.
• Strong Financial Standing: The Hartford’s A+ A.M. Best rating offers reassurance to Tulsa, Oklahoma drivers, ensuring dependable claim payouts and customer service.
• Lifetime Policy Renewal: The Hartford guarantees renewal for eligible AARP members in Tulsa, Oklahoma, ensuring they can maintain coverage without fear of non-renewal. Our article, The Hartford Auto Insurance Review, provides more detail about what this provider has to offer.

Cons

• Higher Rates for Non-AARP Customers: Tulsa, Oklahoma drivers who aren’t AARP members may find The Hartford’s premiums to be higher compared to other insurance providers.
• Limited Discounts for Younger Drivers: The Hartford offers fewer savings opportunities for younger drivers in Tulsa, Oklahoma, making it less appealing for families or individuals under 50.

#5 – Travelers: Best for Unique Discounts

Pros

• Exclusive Discounts in Tulsa, Oklahoma: Travelers offers a variety of unique discounts, including those for eco-friendly vehicles and safe driving, helping Tulsa drivers reduce their insurance costs.
• 14% Policy Bundling Savings: Travelers provides significant savings when bundling multiple insurance policies for Tulsa residents, making it easier to manage comprehensive coverage. Read more about Travelers’ ratings in our Travelers insurance review.
• Responsive Customer Support: Travelers is known for its attentive and effective customer support in Tulsa, Oklahoma, making it a trustworthy option for those who value strong service.

Cons

• Potentially High Premiums: Some Tulsa, Oklahoma drivers may find Travelers’ rates to be on the pricier side, especially for more inclusive coverage levels.
• Limited Agent Availability: Travelers has fewer in-person support options available in Tulsa, Oklahoma, which could be less convenient for those who prefer face-to-face interactions.

#6 – Farmers: Best for Bundling Discounts

Pros

• 17% Bundling Discount: Farmers offers one of the highest bundling discounts in Tulsa, Oklahoma, providing significant savings when combining multiple policies.
• A.M. Best Rating of A: With a strong financial rating, Farmers ensures reliable claims processing and financial stability for Tulsa, Oklahoma policyholders.
• Customizable Coverage: Farmers offers tailored coverage options that cater to the specific needs of Tulsa, Oklahoma drivers, making it easier to find the right fit. Take a look at our Farmers insurance company review to learn more.

Cons

• Higher Base Premiums: Despite the discounts, Farmers’ base premiums in Tulsa, Oklahoma can be higher compared to other providers, making it less competitive for some.
• No Vanishing Deductible: Unlike some other providers, Farmers does not offer a vanishing deductible program for Tulsa drivers, which could reduce savings over time.

#7 – Liberty Mutual: Best for Policy Savings

Pros

• Custom Policy Options: Liberty Mutual provides a wide range of customizable coverage options, allowing Tulsa, Oklahoma drivers to tailor their policies to their specific needs. To see monthly premiums and honest rankings, read our Liberty Mutual auto insurance review.
• Online Resources: Liberty Mutual offers robust digital tools for managing policies and filing claims, making it convenient for Tulsa, Oklahoma residents to handle their insurance needs online.
• Accident Forgiveness: Liberty Mutual’s accident forgiveness program helps Tulsa drivers avoid premium increases after their first at-fault accident.

Cons

• Limited Availability of Discounts: Some of Liberty Mutual’s discounts may be restricted or unavailable in Tulsa, Oklahoma, limiting potential savings for certain policyholders.
• Limited Local Agent Support: Liberty Mutual has fewer local agents in Tulsa, Oklahoma, which may limit in-person assistance and personalized service for residents who prefer face-to-face interactions.

#8 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing Deductible in Tulsa, Oklahoma: Nationwide’s vanishing deductible program reduces the deductible amount over time with safe driving, offering long-term savings for Tulsa drivers. Find out if Nationwide might have the lowest rates for you in our Nationwide auto insurance review.
• 19% Bundling Discount: Nationwide offers the highest bundling discount among top providers in Tulsa, Oklahoma, making it a strong option for those looking to maximize their savings by combining policies.
• SmartRide Program: Nationwide’s telematics-based SmartRide program rewards Tulsa, Oklahoma drivers for safe driving behaviors with additional discounts, promoting safer roads.

Cons

• Higher Initial Premiums: Despite the available discounts, Nationwide’s base premiums in Tulsa, Oklahoma can be higher, which may deter some drivers from choosing them.
• Mixed Customer Service Reviews: Nationwide’s customer service experiences among Tulsa, Oklahoma policyholders vary, with some reporting satisfaction while others cite issues with response times and support quality.

#9 – Progressive: Best for Flexible Coverage

Pros

• Flexible Coverage Options in Tulsa, Oklahoma: Progressive offers highly customizable policies, allowing Tulsa drivers to adjust their coverage to fit a wide range of needs and budgets.
• Snapshot Program: Progressive’s Snapshot program uses telematics to monitor driving habits and reward safe Tulsa, Oklahoma drivers with discounts, encouraging better driving behaviors.
• Mobile App: Progressive offers a highly rated mobile app that simplifies policy management, claims filing, and access to important documents for Tulsa, Oklahoma residents. Learn more about coverage options and monthly rates in our Progressive auto insurance company review.

Cons

• Higher Premiums for High-Risk Drivers: Progressive’s rates can be higher for high-risk drivers in Tulsa, Oklahoma, which might make it less competitive for those with less-than-perfect driving records.
• Complex Discount Programs: Some of Progressive’s discount offerings can be complex to understand and apply, which may require Tulsa, Oklahoma residents to spend more time managing their policies.

#10 – USAA: Best for Military Discounts

Pros

• 20% Bundling Discount: USAA offers one of the most substantial bundling discounts available in Tulsa, Oklahoma, providing significant savings for military families who combine policies.
• A++ A.M. Best Rating: USAA’s exceptional financial stability ensures reliable coverage and prompt claims handling for military members and their families in Tulsa, Oklahoma.
• Exclusive Military Discounts: USAA provides tailored discounts and benefits specifically for active and retired military members residing in Tulsa, Oklahoma, making it an ideal choice for this group. Check out insurance savings for military members and their families in our complete USAA auto insurance review.

Cons

• Eligibility Restrictions: USAA’s insurance products are only available to military members and their families, limiting access for other residents of Tulsa, Oklahoma.
• Limited Discounts for Civilians: Compared to military members, civilians in Tulsa, Oklahoma have access to fewer discounts and benefits, which may reduce the overall value of USAA’s offerings for non-military residents.

Tulsa, Oklahoma Auto Insurance: Monthly Rates by Coverage and Provider

Explore auto insurance rates in Tulsa, Oklahoma, to choose the best provider for your needs. Below is a comparison of monthly premiums for both minimum and full coverage across different insurers.

Tulsa, Oklahoma Auto Insurance Monthly Rates by Provider & Coverage Level

This table details monthly premiums for minimum and full coverage by various insurers in Tulsa. American Family and Farmers offer rates at $100 and $99 for minimum coverage, respectively, with full coverage rates significantly higher, reflecting more extensive protection.

Geico provides the most affordable full coverage at $208. Progressive and State Farm also offer competitive full coverage rates around $213 and $215.

USAA, restricted to specific clients, presents the lowest minimum coverage at $85 and competitive full coverage at $205, making it an attractive choice. This comparison helps Tulsa drivers assess cost versus coverage to find optimal insurance solutions. You can learn more in our guide titled “How much car insurance do I need?”

Tulsa, Oklahoma Auto Insurance Requirements

In Tulsa, Oklahoma, the law mandates that drivers must carry at least the minimum required auto insurance as specified by Oklahoma state regulations. This coverage is essential to ensure financial responsibility and provide necessary protection in the event of an automotive accident.

In Tulsa, Oklahoma, the law mandates that drivers maintain a minimum level of liability insurance. This includes $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and property damage liability coverage of at least $25,000. These requirements are designed to provide fundamental financial protection for motorists in case of an accident.

Impact of Demographics on Tulsa, Oklahoma Auto Insurance Rates

In Tulsa, Oklahoma, auto insurance premiums are influenced by demographic factors such as age, gender, and marital status. These elements play a crucial role in determining the monthly costs that individuals will face for their car insurance. Understanding how these demographics affect insurance rates can help Tulsa residents anticipate and potentially reduce their insurance expenses.

Tulsa, Oklahoma Auto Insurance Monthly Rates by Age, Gender & Provider

Understanding the impact of age, gender, and marital status on auto insurance rates in Tulsa, Oklahoma, can help you find the most affordable coverage tailored to your demographic profile. Explore more discount options in our article titled “Auto Insurance Rates for Married vs. Single Drivers.”

Cheap Tulsa, Oklahoma Auto Insurance for Teen Drivers

Securing affordable auto insurance for teens in Tulsa, Oklahoma, can be quite challenging. To better understand the cost landscape, it’s important to examine the specific monthly rates for teen auto insurance available in Tulsa, Oklahoma.

Tulsa, Oklahoma Teen Auto Insurance Monthly Rates by Gender & Provider

To secure affordable auto insurance for teen drivers in Tulsa, Oklahoma, comparing rates from different providers is essential, as shown by the varied premiums for both genders across major companies.

Cheap Tulsa, Oklahoma Auto Insurance for Seniors

In Tulsa, Oklahoma, senior auto insurance rates are specifically tailored for older drivers, reflecting their unique driving patterns and risk levels. To understand how these rates impact monthly budgets, it’s important to examine the average monthly premiums available for senior drivers in the area.

Tulsa, Oklahoma Senior Auto Insurance Monthly Rates by Gender & Provider

Seniors in Tulsa, Oklahoma, can find varied auto insurance rates by gender and provider, with State Farm offering some of the most competitive prices for both male and female drivers.

Comparing Rates for Tulsa, Oklahoma Drivers: Clean vs. Poor Records

Your driving history significantly influences your auto insurance premiums. Compare the monthly rates for drivers with poor records to those with clean records in Tulsa, Oklahoma, to see how much your driving behavior can affect your insurance costs.

Tulsa, Oklahoma Auto Insurance Monthly Rates by Driving Record & Provider

Maintaining a clean driving record can significantly lower your auto insurance premiums in Tulsa, Oklahoma, as illustrated by the varied rates for drivers with accidents, DUIs, or tickets. Explore more add-on options in our  guide titled “How Auto Insurance Companies Check Driving Records.”

Cheap Tulsa, Oklahoma Auto Insurance Rates After a DUI

Securing affordable auto insurance following a DUI in Tulsa, Oklahoma can be challenging. Review the monthly premiums for DUI-related auto insurance in Tulsa, Oklahoma to identify the most favorable rates.

Tulsa, Oklahoma DUI Auto Insurance Rates

To secure affordable auto insurance rates in Tulsa, Oklahoma, after a DUI, it’s crucial to diligently compare offers from various providers, as shown by the wide range of premiums available.

Credit Score and Auto Insurance Rates in Tulsa, Oklahoma

Credit history plays a crucial role in determining the cost of auto insurance premiums. Investigate the variations in monthly auto insurance rates in Tulsa, Oklahoma, to see how different credit histories impact pricing. More details are available in our article titled “Does getting an auto insurance quote hurt your credit score?”

Tulsa, Oklahoma Auto Insurance Monthly Rates by Credit Score

Your credit history significantly impacts your Tulsa, Oklahoma auto insurance rates, with premiums varying widely across providers based on creditworthiness.

Comparing Auto Insurance Costs by ZIP Code in Tulsa, Oklahoma

Auto insurance premiums across different ZIP codes in Tulsa, Oklahoma, can differ substantially. By comparing the monthly expenses for car insurance across various Tulsa ZIP codes, you can observe how location influences insurance costs significantly.

Tulsa, Oklahoma Auto Insurance Monthly Rates by ZIP Code

To secure the best rates, it’s crucial for Tulsa residents to compare auto insurance prices across different ZIP codes to find the most cost-effective coverage for their area. Explore more coverage options in our article titled “How to Find Auto Insurance Agents in Your Area.”

Tulsa, Oklahoma Commute Costs: Monthly Mileage vs. Insurance Premiums

The length of your daily commute and the distance you travel each month influence car insurance premiums in Tulsa, Oklahoma. To find the most cost-effective car insurance that fits your commuting needs in Tulsa, it’s advisable to investigate various policies.

Tulsa, Oklahoma Auto Insurance Monthly Rates by Annual Mileage & Provider

In Tulsa, Oklahoma, comparing auto insurance rates by annual mileage and provider reveals that commute length and driving frequency are crucial factors in determining your monthly premiums. Learn more in our detailed analysis titled “Driving Without Auto Insurance.”

Tulsa, Oklahoma Coverage Comparison: Auto Insurance Rate Variations

The level of coverage you choose significantly impacts the cost of your auto insurance in Tulsa, Oklahoma. Explore the detailed comparison of monthly auto insurance rates in Tulsa by varying coverage levels to understand the financial implications.

Choosing a higher coverage level significantly impacts auto insurance costs in Tulsa, Oklahoma, as demonstrated by the diverse premiums offered by leading providers. Explore more ways to save in our guide titled “What are the average collateral insurance premiums?”

Best Auto Insurance Rates in Tulsa, Oklahoma

Evaluate the most affordable auto insurance providers in Tulsa, Oklahoma across various categories to identify the company offering the best rates tailored to your specific requirements. Explore more coverage options in our comprehensive guide titled “Factors That Affect Auto Insurance Rates.”

When looking for the best monthly auto insurance rates in Tulsa, Oklahoma, it’s important to consider which companies excel in specific categories. For teenagers and seniors, State Farm offers the most competitive rates.

If you have a clean driving record, USAA provides the best value, while State Farm remains the top choice for those with one accident or DUI on their record. For drivers with a speeding violation, USAA again stands out. To find the most affordable insurance tailored to your needs, it’s crucial to compare these top-rated providers based on your personal driving history and circumstances.

Comparing Tulsa, Oklahoma’s Cheapest Auto Insurance Providers

Which auto insurance providers offer the lowest rates in Tulsa, Oklahoma? Evaluate and compare leading Tulsa auto insurance firms to discover the most affordable monthly premiums.

To secure the most affordable auto insurance in Tulsa, Oklahoma, it’s essential to compare rates from leading companies like State Farm, USAA, and others, each offering varying premiums tailored to diverse driver needs. More information is available about this provider in our “USAA SafePilot Review.”

Understanding Auto Insurance Rates in Tulsa, Oklahoma

Auto insurance rates in Tulsa, Oklahoma, fluctuate based on several local factors. Traffic levels and vehicle theft rates are significant influencers; higher traffic often leads to more accidents, and increased theft rates can raise premiums.

Additionally, Tulsa’s weather conditions, road quality, and specific insurance regulations also affect costs. These elements combined dictate the insurance rates in the area, helping residents understand how premiums are calculated and how to potentially lower them. “Can I park my car on the road with no insurance?”

Tulsa Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Tulsa, Oklahoma commute length is 18.6 minutes according to City-Data.

Tulsa Traffic

Tulsa, Oklahoma, experiences relatively moderate traffic congestion compared to global cities, ranking as the 938th most congested city worldwide according to Inrix. This ranking indicates that while Tulsa does face some traffic issues, it is significantly less congested than many other cities around the globe.

Tulsa, Oklahoma Auto Insurance Comparison Guide

When shopping for auto insurance in Tulsa, Oklahoma, it’s vital to compare quotes from various insurers to secure the best rate and coverage. Different providers may offer varying premiums for the same coverage levels, influenced by factors like your driving history and their underwriting standards. For more details, see our guide titled “Auto Insurance Premium Defined.”

Start by gathering and reviewing quotes for both minimum and full coverage from companies like Geico, State Farm, and USAA, along with local insurers for potential discounts. Evaluate each quote in terms of deductibles, coverage limits, and included benefits to ensure you choose a policy that offers the ideal mix of affordability and protection, tailored to your specific needs as a Tulsa driver.

Before you buy Tulsa, Oklahoma auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Tulsa, Oklahoma auto insurance quotes.