Tulsa, OK Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Tulsa, OK, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
16-year-old boys tend to pay the highest car insurance premiums in Tulsa, Oklahoma
A survey of car insurance policies in Tulsa, Oklahoma, showed that the most expensive premiums starting at $1,693 are paid by 16-year-old boys driving less than 7,500 miles annually. These were the findings of a survey Zimlon conducted using information from the OK.GOV website. The cheapest premium of $270 is paid by 55-year-old married men driving 12,000 miles annually. The car selected for this survey is a 2010 Chevrolet Malibu LS 4-door sedan.
LM General Insurance Company charges the most expensive premium for the cohort of 16-year-old male drivers, at $1,435. The second most expensive premium is paid by 16-year-old female drivers, at 5,645, offered by the same company.
The cheapest premium of $270 for 55-year-old married men is offered by Geico Casualty Company. The next cheapest premiums are available for 36-year-old married men and women, at $295, also offered by Geico Casualty Company.
If you belong to the cohort of 16-year-old male drivers, you are likely to be charged very high premiums. But you can also make big savings if you choose smartly. This claim is backed by one more insight obtained from the survey. The greatest difference between the 75th and 25th percentiles in premiums is for this cohort, at 49.82%. The second most significant difference (at 46.46%) is for 16-year-old female drivers.
The following graph compares premiums across customer cohorts, in Tulsa, OK.
The following table compares the car insurance premiums for key cohorts in Tulsa, OK, and the differences between the 75th and 25th percentiles of premium rates.
| Cohort | Cheapest Car Insurance Companies in Tulsa, OK | Most Expensive Car Insurance Companies in Tulsa, OK | Median Car Insurance Companies in Tulsa, OK | 25th Percentile of Car Insurance Premiums in Tulsa, OK | 75th Percentile of Car Insurance Premiums in Tulsa, OK | Dollar Difference between 25th and 75th Percentiles | Percentage Difference between 25th and 75th Percentiles |
|---|---|---|---|---|---|---|---|
| 36-year-old married women driving 12,000 miles annually | GEICO CASUALTY COMPANY ($295) | LM GENERAL INSURANCE COMPANY ($1,346) | AMERICAN FARMERS & RANCHERS MUTUAL INS. CO ($830) | USAA GENERAL INDEMNITY COMPANY ($597) | PROGRESSIVE NORTHERN INSURANCE COMPANY ($966) | $369 | 38.2% |
| 70-year-old married men driving 7,500 miles annually | GEICO CASUALTY COMPANY ($341) | LM GENERAL INSURANCE COMPANY ($1,560) | FARMERS INSURANCE COMPANY ($861) | ALLSTATE FIRE & CASUALTY INSURANCE CO. ($548) | PROGRESSIVE NORTHERN INSURANCE COMPANY ($997) | $449 | 45.04% |
| 70-year-old married women driving 7,500 miles annually | GEICO CASUALTY COMPANY ($341) | EQUITY INSURANCE COMPANY ($1,378) | STATE FARM FIRE & CASUALTY COMPANY ($757) | ALLSTATE FIRE & CASUALTY INSURANCE CO. ($548) | PROGRESSIVE NORTHERN INSURANCE COMPANY ($952) | $404 | 42.44% |
| 21-year-old single men driving 12,000 | GEICO CASUALTY COMPANY ($411) | TRADERS INSURANCE COMPANY ($2,737) | CSAA GENERAL INSURANCE COMPANY ($1,530) | SAFECO INSURANCE COMPANY OF AMERICA ($1,368) | HARBOR INSURANCE COMPANY ($2,046) | $678 | 33.14% |
| 55-year-old married women driving 12,000 miles annually | GEICO CASUALTY COMPANY ($270) | LM GENERAL INSURANCE COMPANY ($1,282) | STANDARD FIRE INSURANCE COMPANY ($738) | ALLSTATE FIRE & CASUALTY INSURANCE CO. ($522) | PROGRESSIVE DIRECT INSURANCE COMPANY ($828) | $306 | 36.96% |
| 16-year-old single girls driving 12,000 miles annually | OKLAHOMA FARM BUREAU MUTUAL INS. CO. ($1,202) | LM GENERAL INSURANCE COMPANY ($5,645) | STANDARD FIRE INSURANCE COMPANY ($2,709) | AMERICAN FARMERS & RANCHERS MUTUAL INS. CO ($2,214) | TRADERS INSURANCE COMPANY ($4,135) | $1,921 | 46.46% |
| 16-year-old single boys driving less than 7,500 miles annually | GEICO CASUALTY COMPANY ($1,693) | PROGRESSIVE NORTHERN INSURANCE COMPANY ($6,548) | HARBOR INSURANCE COMPANY ($3,402) | ALLSTATE FIRE & CASUALTY INSURANCE CO. ($2,421) | FARMERS INSURANCE COMPANY ($4,825) | $2,404 | 49.82% |
| 55-year-old married men driving 12,000 miles annually | GEICO CASUALTY COMPANY ($270) | LM GENERAL INSURANCE COMPANY ($1,435) | STANDARD FIRE INSURANCE COMPANY ($784) | ALLSTATE FIRE & CASUALTY INSURANCE CO. ($522) | STATE FARM FIRE & CASUALTY COMPANY ($855) | $333 | 38.95% |
| 21-year-old single women driving 12,000 miles annually | GEICO CASUALTY COMPANY ($443) | LM GENERAL INSURANCE COMPANY ($2,412) | AMERICAN FARMERS & RANCHERS MUTUAL INS. CO ($1,330) | OKLAHOMA FARM BUREAU MUTUAL INS. CO. ($965) | PROGRESSIVE NORTHERN INSURANCE COMPANY ($1,773) | $808 | 45.57% |
| 36-year-old married men driving 12,000 miles annually | GEICO CASUALTY COMPANY ($295) | LM GENERAL INSURANCE COMPANY ($1,432) | AMERICAN FARMERS & RANCHERS MUTUAL INS. CO ($861) | USAA GENERAL INDEMNITY COMPANY ($600) | STANDARD FIRE INSURANCE COMPANY ($983) | $383 | -38.96% |
Tulsa City shows fluctuating patterns in used car insurance average and median prices in Oklahoma
The average insurance premium of used cars in the state of Oklahoma is $ 2074 per annum. Tulsa, the second largest city of Oklahoma has an average insurance premium of $ 2217 per annum, which is higher than the insurance average premium of the state itself.
The data analysis will compare eight car models in terms of insurance average and median prices. Please note that the used car models belong to the year range of 2005 to 2012.
The Nissan Altima, which was launched in the early 1990s, has the highest insurance average ($2406) which is even higher than Tulsa’s average insurance per annum. But this model has the second lowest median price ($ 15999). The Altima also has the highest insurance percentage (15%) among all the used car models.
The Honda Accord and the Toyota Corolla have the same insurance average ($ 2131) but their median prices show a considerable variation. While the median price of the Accord is $19445, it is $ 14987 in the case of the Corolla. The Corolla’s median price is the lowest among the eight car models.
The Honda CR-V has the lowest insurance average of $ 1868 but has the third highest median price ($ 21787) overall. Among the three models of Honda—the Honda Civic has the highest insurance average ($ 2159).
The Toyota Camry has an insurance average of $ 2200, which is quite close to the average insurance rate of Tulsa city.
The Ford F-Series has the highest median price ($ 27981) followed by the Chevrolet Silverado ($ 23937).
The table below gives us details of the models with the lowest insurance average in Tulsa.
| Model | Insurance Average ($) |
|---|---|
| Chevrolet Silverado | 1,932 |
| Honda Accord | 2,131 |
| Toyota Corolla | 2,131 |
| Ford F-Series | 2,162 |
The table below shows us that the Toyota Corolla is the most pocket-friendly used car in this segment in Tulsa.
| Model | Median price ($) |
|---|---|
| Toyota Corolla | 14,987 |
| Nissan Altima | 15,999 |
| Honda Civic | 16,945 |
Factors that can influence the cost of car insurance in Tulsa, OK are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Tulsa, OK Auto Insurance Rates
- Tulsa, OK Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Tulsa, OK
- Multi Vehicle Insurance Savings in Tulsa, OK
- How Credit Score Affects Car Insurance Rates in Tulsa, OK
- How DUI Affects Auto Insurance Premiums in Tulsa, OK
- Top Auto Insurance Agents Near Tulsa, OK
- How Driving Violations Affect Auto Insurance Rates in Tulsa, OK
- Tulsa, OK Auto Insurance Discounts on Anti Theft Feature
- Tulsa, OK Auto Insurance Company Reviews
Tulsa, OK Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Tulsa, OK with that of other cities in and around Tulsa.
| Tulsa | Oakhurst | Turley | Sand Springs | Broken Arrow | Tulsa County | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,615 | $1,539 | $1,487 | $1,581 | $1,634 | $1,615 |
Tulsa, OK Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Tulsa, OK based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Tulsa | $1,462 | $1,235 |
| Tulsa County | $2,192 | $1,851 |
| Oakhurst | $1,478 | $1,248 |
| Turley | $1,861 | $1,572 |
| Jenks | $1,266 | $1,069 |
| Sand Springs | $1,813 | $1,531 |
| Broken Arrow | $1,512 | $1,277 |
| Sperry | $1,063 | $898 |
Tulsa, OK Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Tulsa, OK usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $5,240 |
| 20 Years | $2,075 |
| 30 Years | $1,598 |
| 40 Years | $1,538 |
| 50 Years | $1,424 |
| 60 Years | $1,444 |
| 70 Years | $1,681 |
Tulsa, OK Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Tulsa, OK can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,746 | $485 |
| 3 Vehicles | $4,118 | $727 |
| 4 Vehicles | $5,491 | $969 |
Savings on 2 Vehicles bundle:$485
Savings on 3 Vehicles bundle:$727
Savings on 4 Vehicles bundle:$969
Tulsa, OK Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Tulsa, OK.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Tulsa | $1,615 | $2,522 |
| Tulsa County | $1,615 | $2,522 |
| Oakhurst | $1,539 | $2,404 |
| Turley | $1,487 | $2,322 |
| Jenks | $1,680 | $2,624 |
| Sand Springs | $1,581 | $2,469 |
| Broken Arrow | $1,634 | $2,552 |
| Sperry | $1,521 | $2,375 |
Tulsa, OK Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,386 |
| Excellent (740-799) | $1,582 |
| Good (670-739) | $1,683 |
| Average (580-669) | $2,196 |
| Poor (300-579) | $2,634 |
Tulsa, OK Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Aaa Oklahoma-Tulsa | Travelers | 11609 EAST 31ST STREET, TULSA, 74146 | 800-842-5075 |
| Bracken Insurance Agency | None | 9717 E 42Nd St Suite 105, Tulsa, 74146 | (918) 518-0563 |
| John Ramsey | State Farm | 8181 S Harvard Ave, Tulsa, 74137-1612 | 918-481-1411 |
| Phil Runyon | Farmers | 5121 S Sheridan Rd, Tulsa, 74145 | (918) 491-1114 |
| Roxi Smith | Farmers | 2214 E 61st St, Tulsa, 74136 | (918) 712-5539 |
| Gail Boyce | State Farm | 6149 S Peoria Ave, Tulsa, 74136-0514 | 918-747-6866 |
| Robert C Bates Llc | Travelers | 406 S BOULDER AVE STE 600, TULSA, 74103 | 918-665-3001 |
| Rachel C Brewer | Liberty Mutual | 10462 S 82Nd E Avenue Ste 106, Tulsa, 74133 | 1-918-299-7593 |
| Fennell & Associates Inc | Travelers | 5800 SKELLY DR E STE 605, TULSA, 74135 | 918-632-0136 |
| Kelly Bell | State Farm | 10030 S Mingo Rd Ste B, Tulsa, 74133-5713 | 918-459-0456 |
| Kalka Ins Agcy Llc | Allstate | 823 E Main St, Cushing, 74023 | (918) 225-0789 |
Tulsa, OK Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$71 | $1,686 |
| Driver's Failure In Showing Documents | +$157 | $1,772 |
| Driving With An Expired Registration | +$166 | $1,781 |
| Driving At A Considerably Slow Pace | +$350 | $1,965 |
| Using A Cellphone While Driving | +$370 | $1,985 |
| Running A Red Light | +$376 | $1,991 |
| Speeding | +$396 | $2,011 |
| Driving A Vehicle Without The Required Permission | +$502 | $2,117 |
| Driving With An Expired/Suspended License | +$1,089 | $2,704 |
Tulsa, OK Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,550 |
| Active Disabling Device | $1,550 |
| Tracking Device | $1,518 |
| Passive Disabling Device | $1,502 |
Latest Auto Insurance Reviews in Tulsa, OK | Back to Top
State FarmI would recommend this this company. This is a good company. The agent is polite. The service is good. I would use it for a while.
AllstateTHEY PROVIDE THE BEST PREMIUMS WITH THE LOWEST DEDUCTIBLE FEE COMPARED TO THE OTHERS IN THE INDUSTRY
Country Financialthey have the standard offerings. There is car rental coverage in the case of an accident. The main things are liability coverage, medical coverage, and collision.
ProgressiveI've only had them for a short time and haven't really had to use customer service the few times i have called they have always answered my questions.
State FarmI had a review of my insurance policies about a year ago. I got quotes from 3 other companies, I took those quotes into my local agent.
The HartfordThe premium is slightly higher but the deductible is considerably lower. I was also pleased with the coverage for the vehicle (including glass and towing) along with personal coverage.
The HartfordThe premium is slightly higher but the deductible is considerably lower. I was also pleased with the coverage for the vehicle (including glass and towing) along with personal coverage.
Farmer's InsuranceThe premium is higher than other companies who service my area. I qualify for USAA and should have stayed with them, however, I switched because I wanted a local branch I could go to.
ProgressiveI rate them a 4 as they have provided me with good coverage, has a solid website, features to reduce premium and acceptable premiums.
ProgressiveI dislike the most about them however, it would have to be that it is such a large company that your specific needs cannot be tailored to.
ProgressiveMy company offered the cheapest premium although I still feel that it is too high considering that I have a perfect driving record
MercuryI do feel that they are a bit more expensive than a lot of other carriers. They could lower their prices.
State FarmMy insurance agent lives in another county 180 miles from me. Nevertheless, all my interactions are quick and simple. I have her personal cell phone number and have called it from time to time when emergencies arise. She's the best.
Liberty MutualThe policy offerings are pretty standard without going to above or below. I would generally compare it to being in the average expectation of insurance providers at this point.
GeicoWhenever I need to contact Geico, my call is answered quickly. I've never had to sit and wait on the line for a representative to be available.