Cheap Car Insurance in Tulsa (October 2025)

Written by Xuyun Zeng and 1 other

Updated Oct 14, 2025

Cheap Car Insurance in Tulsa (October 2025)

From unpredictable weather to rush hour, Tulsa drivers have plenty of reasons to seek reliable car insurance. It pays to compare quotes from multiple insurers to find the most affordable coverage.

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Written by Xuyun Zeng and 1 other

Updated Oct 14, 2025

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Jerry’s editorial content is created, edited and fact-checked by licensed insurance agents, automotive professionals and experienced researchers and writers. Facts are thoroughly researched, independently verified and routinely updated. Read more about our editorial standards and how we make money.

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 Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

$25	$296	Mercury	40	06/18/25	Tulsa, OK	74104
$25	$304	Safeco	55	09/06/25	Tulsa, OK	74112
$28	$338	Mercury	46	07/03/25	Tulsa, OK	74135
$28	$340	Mercury	44	06/22/25	Tulsa, OK	74127
$30	$360	Progressive	45	06/25/25	Tulsa, OK	74115
$31	$368	Mercury	50	08/24/25	Tulsa, OK	74133
$35	$418	Progressive	80	09/28/25	Tulsa, OK	74132
$36	$432	Mercury	66	08/17/25	Tulsa, OK	74146
$37	$442	Progressive	56	08/28/25	Tulsa, OK	74119
$39	$470	Mercury	33	07/11/25	Tulsa, OK	74120

Last Updated Oct. 15, 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.

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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 Quote	Has Full Coverage	City, State	ZIP Code

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	Has Full Coverage	City, State	ZIP Code

$28	$336	Mercury	55	09/22/25	Yes	Tulsa, OK	74145
$39	$466	Mercury	62	05/16/25	Yes	Tulsa, OK	74129
$48	$572	Progressive	51	08/05/25	Yes	Tulsa, OK	74115
$53	$638	Mercury	42	09/20/25	Yes	Tulsa, OK	74115
$59	$710	Mercury	44	09/28/25	Yes	Tulsa, OK	74133
$61	$734	Progressive	42	07/16/25	Yes	Tulsa, OK	74136
$63	$758	Mercury	45	06/25/25	Yes	Tulsa, OK	74115
$64	$772	Progressive	39	06/16/25	Yes	Tulsa, OK	74146
$65	$774	Mercury	45	06/24/25	Yes	Tulsa, OK	74134
$66	$794	Progressive	39	07/25/25	Yes	Tulsa, OK	74127

Last Updated Oct. 15, 2025

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 Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

$44	$528	Progressive	24	No	10/13/25	Tulsa, OK	74133
$49	$586	Mercury	28	No	10/07/25	Tulsa, OK	74132
$53	$632	Progressive	24	No	09/17/25	Tulsa, OK	74137
$70	$836	Bristol West	28	No	06/21/25	Tulsa, OK	74112
$71	$854	Geico	23	No	07/30/25	Tulsa, OK	74132
$61	$734	Progressive	42	Yes	07/16/25	Tulsa, OK	74136
$63	$758	Mercury	45	Yes	06/25/25	Tulsa, OK	74115
$64	$772	Progressive	39	Yes	06/16/25	Tulsa, OK	74146
$65	$774	Mercury	45	Yes	06/24/25	Tulsa, OK	74134
$66	$794	Progressive	39	Yes	07/25/25	Tulsa, OK	74127

Last Updated Oct. 15, 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 Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

$28	$338	Mercury	46	No	07/03/25	Tulsa, OK	74135
$28	$340	Mercury	44	No	06/22/25	Tulsa, OK	74127
$30	$360	Progressive	45	No	06/25/25	Tulsa, OK	74115
$31	$368	Mercury	50	No	08/24/25	Tulsa, OK	74133
$39	$470	Mercury	33	No	07/11/25	Tulsa, OK	74120
$61	$734	Progressive	42	Yes	07/16/25	Tulsa, OK	74136
$63	$758	Mercury	45	Yes	06/25/25	Tulsa, OK	74115
$64	$772	Progressive	39	Yes	06/16/25	Tulsa, OK	74146
$65	$774	Mercury	45	Yes	06/24/25	Tulsa, OK	74134
$66	$794	Progressive	39	Yes	07/25/25	Tulsa, OK	74127

Last Updated Oct. 15, 2025

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

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

$25	$304	Safeco	55	No	09/06/25	Tulsa, OK	74112
$36	$432	Mercury	66	No	08/17/25	Tulsa, OK	74146
$42	$508	Bristol West	55	No	09/22/25	Tulsa, OK	74145
$48	$574	Assurance America	63	No	10/09/25	Tulsa, OK	74108
$52	$622	Bristol West	67	No	07/06/25	Tulsa, OK	74145
$61	$734	Progressive	42	Yes	07/16/25	Tulsa, OK	74136
$63	$758	Mercury	45	Yes	06/25/25	Tulsa, OK	74115
$64	$772	Progressive	39	Yes	06/16/25	Tulsa, OK	74146
$65	$774	Mercury	45	Yes	06/24/25	Tulsa, OK	74134
$66	$794	Progressive	39	Yes	07/25/25	Tulsa, OK	74127

Last Updated Oct. 15, 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 Quote	Age	Has Full Coverage	City, State	ZIP Code

Monthly Quote	Annual Quote	Insurance Company	Date of Quote	Age	Has Full Coverage	City, State	ZIP Code

$25	$304	Safeco	09/06/25	55	No	Tulsa, OK	74112
$28	$338	Mercury	07/03/25	46	No	Tulsa, OK	74135
$28	$340	Mercury	06/22/25	44	No	Tulsa, OK	74127
$30	$360	Progressive	06/25/25	45	No	Tulsa, OK	74115
$31	$368	Mercury	08/24/25	50	No	Tulsa, OK	74133
$61	$734	Progressive	07/16/25	42	Yes	Tulsa, OK	74136
$63	$758	Mercury	06/25/25	45	Yes	Tulsa, OK	74115
$64	$772	Progressive	06/16/25	39	Yes	Tulsa, OK	74146
$65	$774	Mercury	06/24/25	45	Yes	Tulsa, OK	74134
$66	$794	Progressive	07/25/25	39	Yes	Tulsa, OK	74127

Last Updated Oct. 15, 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

Credit Score	Monthly Quote	Annual Quote	Insurance Company	Age	Date of Policy	City, State	ZIP Code

<550	$46	$550	Progressive	62	09/25/25	Tulsa, OK	74115
<550	$49	$588	Assurance America	66	08/08/25	Tulsa, OK	74106
<550	$52	$618	Assurance America	57	08/09/25	Tulsa, OK	74108
<550	$56	$674	National General	47	01/30/25	Tulsa, OK	74145
<550	$58	$696	Progressive	33	08/20/25	Tulsa, OK	74129
	$61	$734	Progressive	42		Tulsa, OK	74136
	$63	$758	Mercury	45		Tulsa, OK	74115
	$64	$772	Progressive	39		Tulsa, OK	74146
	$65	$774	Mercury	45		Tulsa, OK	74134
	$66	$794	Progressive	39		Tulsa, OK	74127

Last Updated Oct. 15, 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 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	07/20/25	Tulsa, OK	74133
At Fault With No Injury	$46	$550	Progressive	62	No	09/25/25	Tulsa, OK	74115
At Fault With No Injury	$61	$728	Progressive	33	No	10/10/24	Tulsa, OK	74137
At Fault With No Injury	$67	$808	Bristol West	44	No	07/08/25	Tulsa, OK	74107
At Fault With No Injury	$70	$844	National General	34	No	09/27/24	Tulsa, OK	74135
	$61	$734	Progressive	42	Yes		Tulsa, OK	74136
	$63	$758	Mercury	45	Yes		Tulsa, OK	74115
	$64	$772	Progressive	39	Yes		Tulsa, OK	74146
	$65	$774	Mercury	45	Yes		Tulsa, OK	74134
	$66	$794	Progressive	39	Yes		Tulsa, OK	74127

Last Updated Oct. 15, 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 Quote	City, State	ZIP Code

Violation Summary	Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

Speeding over 15	$68	$812	Progressive	31	09/06/25	Tulsa, OK	74128
Speeding under 15	$72	$858	National General	67	06/25/25	Tulsa, OK	74110
Speeding over 15	$78	$930	Assurance America	31	08/20/25	Tulsa, OK	74136
Speeding under 15	$88	$1,058	National General	41	08/11/25	Tulsa, OK	74119
Speeding under 15	$102	$1,224	Assurance America	54	09/30/25	Tulsa, OK	74107
	$61	$734	Progressive	42	07/16/25	Tulsa, OK	74136
	$63	$758	Mercury	45	06/25/25	Tulsa, OK	74115
	$64	$772	Progressive	39	06/16/25	Tulsa, OK	74146
	$65	$774	Mercury	45	06/24/25	Tulsa, OK	74134
	$66	$794	Progressive	39	07/25/25	Tulsa, OK	74127

Last Updated Oct. 14, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS

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.

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 $89 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.