Cheap Car Insurance in Tulsa (July 2025)

Written by Xuyun Zeng and 1 other
Updated Jul 23, 2025
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Cheap Car Insurance in Tulsa (July 2025)

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Driving in Tulsa comes with challenges like heavy traffic on Interstate 44 and Highway 75, frequent construction, and unpredictable weather, including rain, hail, and tornadoes. With urban streets leading to rural roads, reliable car insurance is essential to protect you and your finances.

It’s wise to compare quotes from multiple insurers to find the best rates, but your quote can vary by your age, location in the city and driving record. We’ve gathered quotes from real Jerry customers to show you what you can expect to pay for car insurance in Tulsa.

More: Best car insurance in Oklahoma

Cheapest minimum coverage insurance in Tulsa

Oklahoma requires drivers to carry the following minimum car insurance:

  • $25,000 in bodily injury liability per person.
  • $50,000 in bodily injury liability per accident.
  • $25,000 in property damage liability per accident.
  • Drivers must also be offered $25,000 per person and $50,000 per accident for uninsured motorist coverage, but you can reject these coverages.

Here are the cheapest quotes that Jerry customers in Tulsa have received for the minimum coverage.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$31 $366 Progressive 33 April 30, 2025 Tulsa, OK 74126
$31 $370 Progressive 54 July 20, 2025 Tulsa, OK 74133
$35 $414 Progressive 42 March 20, 2025 Tulsa, OK 74114
$35 $420 Progressive 36 June 8, 2025 Tulsa, OK 74107
$39 $464 Progressive 65 May 21, 2025 Tulsa, OK 74112
$40 $474 Progressive 28 June 21, 2025 Tulsa, OK 74112
$43 $514 Progressive 80 February 2, 2025 Tulsa, OK 74114
$43 $516 Assurance America 61 July 1, 2025 Tulsa, OK 74134
$43 $518 Progressive 32 January 1, 2025 Tulsa, OK 74133
$44 $522 Progressive 56 July 19, 2025 Tulsa, OK 74145
Last Updated Jul 24, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

SIMPLIFY YOUR CAR INSURANCE WITH JERRY

More: Cheapest car insurance in Oklahoma

Cheapest full coverage insurance in Tulsa

Tulsans who opt for full coverage will carry the state’s minimum liability insurance as well as coverage for your vehicle. Full coverage combines collision insurance, which pays for repairs to your vehicle after an accident, and comprehensive insurance, which kicks in if your car is stolen or damaged by hazardous weather.

These are some of the cheapest quotes that Tulsa Jerry customers have received for full coverage car insurance.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$45 $544 Mercury 46 May 26, 2025 Yes Tulsa, OK 74133
$56 $676 Progressive 54 February 9, 2025 Yes Tulsa, OK 74105
$58 $700 Progressive 65 March 25, 2025 Yes Tulsa, OK 74112
$74 $888 Progressive 39 January 29, 2025 Yes Tulsa, OK 74135
$76 $914 Bristol West 71 July 7, 2025 Yes Tulsa, OK 74104
$80 $964 Progressive 56 February 23, 2025 Yes Tulsa, OK 74133
$86 $1,032 Bristol West 53 July 10, 2024 Yes Tulsa, OK 74134
$94 $1,128 Progressive 30 January 23, 2025 Yes Tulsa, OK 74104
$96 $1,152 Progressive 41 January 29, 2025 Yes Tulsa, OK 74107
$99 $1,184 Progressive 36 July 19, 2025 Yes Tulsa, OK 74131
Last Updated Jul 24, 2025

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Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

More: Best car insurance companies

Cheapest car insurance for young drivers in Tulsa (18-29 years old)

Your age is a factor in your car insurance quote, and young drivers tend pay the higher rates than older drivers. That doesn't mean you won't find affordable coverage, but you may need to cost-compare with multiple insurers to get a good rate.

Here are the cheapest quotes that 18- to 29-year-olds have received in Tulsa via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$40 $474 Progressive 28 No June 21, 2025 Tulsa, OK 74112
$83 $990 Assurance America 29 No June 20, 2025 Tulsa, OK 74128
$90 $1,078 National General 29 No February 19, 2025 Tulsa, OK 74136
$90 $1,084 Progressive 23 No February 23, 2025 Tulsa, OK 74132
$94 $1,130 Assurance America 29 No July 15, 2025 Tulsa, OK 74115
Last Updated Jul 24, 2025

More: Get cheap car insurance the smart way, today

Cheapest car insurance for mature drivers in Tulsa (30-54 years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$31 $366 Progressive 33 No April 30, 2025 Tulsa, OK 74126
$31 $370 Progressive 54 No July 20, 2025 Tulsa, OK 74133
$35 $414 Progressive 42 No March 20, 2025 Tulsa, OK 74114
$43 $518 Progressive 32 No January 1, 2025 Tulsa, OK 74133
$44 $530 Progressive 36 No June 23, 2025 Tulsa, OK 74107
Last Updated Jul 24, 2025

Cheapest car insurance for older drivers (55+ years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$39 $464 Progressive 65 No May 21, 2025 Tulsa, OK 74112
$42 $508 Progressive 63 No March 14, 2025 Tulsa, OK 74112
$43 $514 Progressive 80 No February 2, 2025 Tulsa, OK 74114
$43 $516 Assurance America 61 No July 1, 2025 Tulsa, OK 74134
$44 $522 Progressive 56 No July 19, 2025 Tulsa, OK 74145
Last Updated Jul 24, 2025

More: Best car insurance for seniors

Cheapest car insurance for drivers with clean records in Tulsa

A record free of violations or claims can help guarantee you're getting the lowest rate possible. Here are some quotes from real Jerry customers with clean driving records in Tulsa.

Monthly Quote
Annual Quote
Insurance Company
Date of Policy
Age
Has Full Coverage
City, State
ZIP Code
$31 $366 Progressive April 30, 2025 33 No Tulsa, OK 74126
$35 $414 Progressive March 20, 2025 42 No Tulsa, OK 74114
$39 $464 Progressive May 21, 2025 65 No Tulsa, OK 74112
$40 $474 Progressive June 21, 2025 28 No Tulsa, OK 74112
$42 $508 Progressive March 14, 2025 63 No Tulsa, OK 74112
Last Updated Jul 24, 2025

Cheapest car insurance for drivers with low credit scores in Tulsa

A low credit score can increase your car insurance rate, which means you may have to shop around for a low-cost policy. Here are the cheapest quotes that drivers in Tulsa with credit scores below 550 have received via Jerry.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $52 $624 Progressive 52 March 30, 2024 Tulsa, OK 74119
<550 $61 $728 Progressive 33 October 10, 2024 Tulsa, OK 74137
<550 $63 $754 Mercury 30 March 19, 2025 Tulsa, OK 74129
<550 $69 $830 Progressive 48 June 14, 2025 Tulsa, OK 74107
<550 $72 $868 Bristol West 65 July 11, 2025 Tulsa, OK 74126
Last Updated Jul 24, 2025

Cheapest car insurance for drivers with at-fault accidents in Tulsa

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $31 $370 Progressive 54 No July 20, 2025 Tulsa, OK 74133
At Fault With No Injury $61 $728 Progressive 33 No October 10, 2024 Tulsa, OK 74137
At Fault With No Injury $70 $844 National General 34 No September 27, 2024 Tulsa, OK 74135
At Fault With No Injury $72 $868 Bristol West 65 No July 11, 2025 Tulsa, OK 74126
At Fault With No Injury $75 $896 The General 32 No June 28, 2025 Tulsa, OK 74112
Last Updated Jul 24, 2025

More: What is an at-fault accident?

Cheapest car insurance for drivers with speeding tickets in Tulsa

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding over 15 $76 $906 Progressive 36 July 12, 2025 Tulsa, OK 74115
Speeding under 15 $79 $942 Progressive 35 June 30, 2025 Tulsa, OK 74112
Speeding under 15 $83 $990 Assurance America 29 June 20, 2025 Tulsa, OK 74128
Speeding under 15 $83 $990 Progressive 51 January 8, 2025 Tulsa, OK 74128
Speeding over 15 $119 $1,430 Bristol West 36 March 20, 2024 Tulsa, OK 74105
Last Updated Jul 24, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.