Updated June 9, 2026

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Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 100+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.

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Cheap car insurance in Tulsa, OK

Tulsa drivers pay an average of $268 a month for full coverage and $119 a month for state minimum. Jerry compares 100+ insurers to find you a lower rate in minutes, with no spam calls and no pressure.

$38

Lowest state minimum quote Jerry has found in last 12 months

$97

Lowest full coverage quote Jerry has found in last 12 months

$106

Average monthly savings for drivers who switch and find savings

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Author

Megan Lee

Megan Lee is an editor, writer, and SEO with expertise in insurance, personal finance, travel, and healthcare. Her work has appeared in U.S. News & World Report, USA Today, and more. She has led remote content teams and strategies for sites like NerdWallet. When she`s not working, Megan enjoys discovering new coffee spots and attending themed events.

Credentials:

• 16 years as a professional writer and editor

• 6 years covering personal finance

Insurance Writer

Reviewer

Stephanie Colestock

Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.

Credentials:

• Certified Financial Education Instructor (CFEI) (2024)

• General Lines Agent, Property & Casualty (2025)

• 14 years as a professional writer and editor

• 10 years covering personal finance

Licensed Insurance Agent

Tulsa car insurance runs below the national average, based on the quotes Jerry has pulled for drivers here. But what you’ll pay still varies widely across the metro — and a few Oklahoma-specific factors explain why.

Northeast Oklahoma sits in the hail belt, so storm damage claims are common here, and that’s baked into what everyone pays for comprehensive coverage. Heavy traffic along I-44 through Tulsa means more accidents, and Oklahoma’s high share of uninsured drivers pushes liability premiums up for the drivers who do carry coverage. Add it all up, and the carrier offering one driver the best price can be hundreds of dollars a month more than the cheapest option for someone with a different profile.

Jerry compares 100+ insurers to help you save. We’ve found quotes for Tulsa drivers starting as low as $97 per month for full coverage (Mercury) and $56 per month for state minimum (Mercury) in the last 12 months. Where you land depends on your profile, your ZIP and which carrier prices your risk most favorably right now.

Real recent quotes Jerry found for Tulsa drivers

Here are some recent quotes Jerry has pulled for drivers in Tulsa. These aren’t sample rates — they’re actual quotes pulled for Tulsa drivers in the last 30 days. Driver profiles, ZIP codes and coverage levels vary.

Jerry pulls up to 20 quotes from top rated carriers.

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What are the cheapest car insurance companies in Tulsa?

Right now, Mercury is the cheapest average carrier for Tulsa drivers at around $56 per month for state minimum coverage — but “cheapest overall” doesn’t always mean cheapest for you.

Which insurer comes out cheapest in Tulsa depends a lot on who you are and what you’re buying. The carrier with the lowest price on a basic liability policy often isn’t the winner once you add collision, comprehensive or higher liability limits. As you compare quotes, four things worth keeping in mind:

• The cheapest option for Tulsa drivers with clean records is Mercury. With no tickets, accidents or claims on file, clean-record drivers are the ones carriers compete hardest for, and a clean record reliably earns the strongest pricing on either coverage tier. The carrier with the cheapest coverage can change as rates move, so shopping around is key.

• Weather hits Tulsa premiums harder than most metros. Northeast Oklahoma’s mix of hail, severe thunderstorms and tornadoes feeds steadily into comprehensive claims. And because carriers weigh that storm risk differently, the same car and coverage can get quoted very differently from one insurer to the next.

• Your driving profile usually outweighs your ZIP code. Age, record, prior coverage, and annual mileage can swing premiums by hundreds of dollars a year. The carrier that’s cheapest for a clean record often isn’t the one that’s cheapest after a ticket, accident or lapse.

• Vehicle choice can influence your premiums more than many drivers expect. Trucks, SUVs and newer vehicles often cost different amounts to insure because repair expenses, replacement values and claims experience vary by model. Insurers also weigh factors such as theft rates and historical loss data differently, which can lead to meaningful premium differences even between vehicles with similar sticker prices.

That said, the right carrier for you depends on your driving record, age, and whether you’re bundling or qualify for other discounts. Jerry compares all of these factors across 100+ insurers at once, so you’re not guessing which scenario applies to you.

Mercury is the cheapest car insurance company in Tulsa for state minimum coverage at an average of $56 per month. 

Cheapest carriers in Tulsa by average, state minimum coverage

Insurer	Average monthly cost	Cheapest quote we’ve found

Insurer	Average monthly cost	Cheapest quote we’ve found
Mercury	$56	$38
Liberty Mutual	$64	$42
Progressive	$68	$42
GEICO	$69	$53
GEICO	$69	$53

Mercury

Average monthly cost

$56

Cheapest quote we’ve found

$38

Liberty Mutual

Average monthly cost

$64

Cheapest quote we’ve found

$42

Progressive

Average monthly cost

$68

Cheapest quote we’ve found

$42

GEICO

Average monthly cost

$69

Cheapest quote we’ve found

$53

GEICO

Average monthly cost

$69

Cheapest quote we’ve found

$53

Last Updated June 15, 2026

Based on Jerry data from the past 12 months.

Mercury is the cheapest car insurance company in Tulsa for full coverage at an average of $164 per month. 

Cheapest carriers in Tulsa by average, full coverage

Insurer	Average monthly cost	Cheapest quote we’ve found

Insurer	Average monthly cost	Cheapest quote we’ve found
Mercury	$164	$97
Root	$177	$138
Liberty Mutual	$179	$130
Progressive	$188	$108
AssuranceAmerica	$197	$118

Mercury

Average monthly cost

$164

Cheapest quote we’ve found

$97

Root

Average monthly cost

$177

Cheapest quote we’ve found

$138

Liberty Mutual

Average monthly cost

$179

Cheapest quote we’ve found

$130

Progressive

Average monthly cost

$188

Cheapest quote we’ve found

$108

AssuranceAmerica

Average monthly cost

$197

Cheapest quote we’ve found

$118

Last Updated June 15, 2026

Based on Jerry data from the past 12 months.

Key takeaway: Mercury is the cheapest option for most Tulsa drivers, but AssuranceAmerica can be more competitive for drivers with less-than perfect records or who need an SR-22 filed. Jerry shows you multiple quotes at once so you can compare and save.

Compare 100+ insurers through Jerry in less than 5 minutes

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Why is car insurance expensive in Tulsa?

Drivers in Tulsa with clean records average $212/mo, which is above the OK state average ($192/mo) but below the national average of $261/mo. Tulsa’s position above the Oklahoma state average reflects the metro’s denser urban claim frequency combined with northeast Oklahoma’s hail and severe weather exposure, while Oklahoma’s overall structural setup helps keep statewide pricing below the national baseline.

Tulsa car insurance rates by ZIP code

Insurance costs can vary dramatically depending on where you live in Tulsa. In Jerry’s data, the highest-priced ZIP averages more than twice as much as the lowest-priced ZIP. Lower-priced areas tend to cluster in south and west Tulsa, while higher-priced ZIPs are concentrated in parts of north and east Tulsa. One ZIP associated with the Oral Roberts University area stands out as a notable outlier above the rest of the metro.

Cheapest ZIP codes

The cheapest ZIPs in Jerry’s Tulsa data tend to cluster in south Tulsa and parts of west Tulsa. The pattern aligns with established residential neighborhoods that generally see lower claim activity than some other parts of the metro. Local traffic patterns, theft rates and claims experience can all contribute to differences in premiums from one ZIP code to another.

Most expensive ZIP codes

The most expensive Tulsa ZIPs cluster in north and east Tulsa, with the Oral Roberts University ZIP averaging dramatically higher than any other ZIP in our dataset. The ZIPs covering parts of north Tulsa also track near the top. The pattern reflects higher historical claim frequency and theft concentration in those areas.

Tulsa car insurance rates by driver profile

ZIP code gets a lot of attention, but for most drivers it’s the second or third biggest factor in their rate — not the first. Age, driving record and credit score typically move the needle more.

Here’s what Jerry’s Tulsa data shows for each, and what it actually means for your quote.

By age

Tulsa’s age curve follows the broader U.S. pattern, with the youngest drivers paying more than double the metro average. A substantial price drop happens when drivers transition from the 21-24 age bracket to 25-34. Jerry’s Tulsa data shows a rate cliff around 25, resulting in a $39/mo drop between the 21-24 and 25-34 buckets for state minimum, and a $84/mo drop for full coverage. The full coverage drop translates to big annual savings for drivers entering their mid-20s; this makes re-quoting carriers after your 25th birthday well worth the time.

Average cost of insurance in Tulsa by age group, state minimum

Average cost of insurance in Tulsa by age group, full coverage

By driving record

Having at-fault accidents adds 10% on average for Tulsa Jerry users — but that figure masks a compounding effect most drivers don’t know about. Speeding tickets tend to have a larger impact on premiums than at-fault accidents, while some DUI drivers appear to pay less than drivers with clean records on state minimum coverage. The results likely reflect differences in carrier mix rather than insurers rewarding violations.

Oklahoma carriers file surcharge rules with the Oklahoma Insurance Department, and the Insurance Information Institute notes that three years is a common lookback period for moving violations. Re-shopping as violations age can help drivers find better rates.

Average cost of state minimum coverage in Tulsa, by driving record

Average cost of full coverage in Tulsa, by driving record

By credit score

Oklahoma permits credit-based insurance scoring as one auto rating factor. The largest premium differences in credit-permitted states typically show up at the extreme ends of the credit range, with Excellent-credit drivers seeing the biggest discounts and Poor-credit drivers seeing the biggest surcharges. Drivers in the middle credit tiers see more variable results from one carrier to another.

Average cost of state minimum coverage in Tulsa, by credit score

Average cost of full coverage in Tulsa, by credit score

How Jerry finds car insurance savings for Tulsa drivers

If you’ve noticed your car insurance premium going up, you’re not the only one. Jerry helps Tulsa drivers find more affordable coverage by comparing up to 15 insurers in just minutes. Here’s a look at real quotes Jerry customers in Tulsa found when they shopped around.

Recent quotes

Learn more: Best car insurance in Oklahoma

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If you’re looking to find the cheapest car insurance in Oklahoma, below are four top tips that Jerry’s agents have found.

Jerry Agent Tip 1: Compare quotes to find the cheapest insurer

Drivers in Tulsa can often find real savings by comparing quotes from different insurers. Insurers price driver profiles differently and that’s why quotes vary for the same coverage. Here are some recent examples:

Recent customer quotes

Jerry Agent Tip 2: Lower your premium by stacking discounts

Drivers in Tulsa can save by taking advantage of discounts for safe driving, bundling home and auto coverage or getting a quote early. These savings can add up quickly and make your policy more affordable without cutting back on coverage. 

The Jerry app automatically finds and applies the discounts you qualify for, so you don’t leave savings behind.

Jerry Agent Tip 3: Balance protection and price to find the right coverage

Choosing the right mix of coverage helps drivers in Tulsa strike a balance between saving money and staying well protected.

While state minimum coverage keeps costs lower, adding more protection like full coverage and roadside assistance can give peace of mind if something unexpected happens. It’s all about finding what works best for your budget and your needs, so you feel confident on the road without paying for coverage you don’t need.

Here are the coverage options Tulsa drivers can choose from to find the right combination of price and protection:

• Coverage Definitions

  Bodily injury liability (BI)

  • Who it pays: The other person, for injuries when you’re at fault in a crash.

  • What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.

  • How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.

  Property damage liability (PD)

  • Who it pays: The other person, for property you damage in a crash.

  • What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.

  • How it pays: Up to your policy’s limit. For example, $50K.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.

  *Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.

  Collision

  • Who it pays: You, for damage to your own car.

  • What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Comprehensive

  • Who it pays: You, for damage to your own car.

  • What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Uninsured/underinsured motorist (UM/UIM)

  • Who it pays: You and your passengers, for injuries and property damage.

  • What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.

  • How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.

  • Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.

  Personal injury protection (PIP)

  • Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.

  • What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.

  • How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.

  • Do you need it? Required in no-fault states. If available in your state, it’s worth considering.

  Medical payments (MedPay)

  • Who it pays: You and your passengers, for medical bills.

  • What it covers: Medical expenses after an accident, regardless of fault.

  • How it pays: No deductible. Pays up to your policy’s limit.

  • Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.

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Jerry Agent Tip 4: Pick the right deductible

Raising your deductible typically lowers your car insurance premium. Just be sure you can comfortably cover that cost if you need to file a claim.

Here’s a look at the deductibles Jerry drivers chose in the past year:

To find the ideal deductible:

• Check your car’s value (Jerry tracks this for you monthly).

• Choose what you can afford out-of-pocket.

• See how deductibles change your rate in real time.

Oklahoma car insurance minimums: What’s required in Tulsa

Oklahoma requires liability coverage on every registered vehicle under the state’s Compulsory Insurance Law. Here are the minimum requirements in Oklahoma:

• $25,000 in bodily injury liability per person.

• $50,000 in bodily injury liability per accident.

• $25,000 in property damage liability per accident.

Driving without the required coverage in Oklahoma can result in fines, license suspension and vehicle impoundment. Oklahoma also operates under a file-and-use rate framework, which lets carriers begin using rate filings after submitting them to the Oklahoma Insurance Department.

Many Tulsa drivers benefit from carrying liability limits above the 25/50/25 floor given Oklahoma’s uninsured driver rate and the metro’s busy commuter corridors. Medical bills and vehicle repair costs can quickly exceed the state minimum limits after a serious accident, leaving drivers responsible for the difference. Jerry can help you find affordable car insurance starting at just $124/mo.

Methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 50 states, giving us firsthand visibility into how quotes are generated and validated.

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes