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.
If you have a loan or lease on your vehicle, the lender will require
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
|
|---|---|---|---|---|---|---|---|
| $34 | $406 | 65 | 09/14/25 | Yes | 74110 | ||
| $44 | $528 | 70 | 07/21/25 | Yes | 74145 | ||
| $47 | $568 | 39 | 06/16/25 | Yes | 74135 | ||
| $50 | $596 | 50 | 09/13/25 | Yes | 74114 | ||
| $50 | $596 | 53 | 06/14/25 | Yes | 74112 | ||
| $53 | $630 | 61 | 10/05/25 | Yes | 74112 | ||
| $55 | $656 | 42 | 06/20/25 | Yes | 74114 | ||
| $58 | $692 | 43 | 06/21/25 | Yes | 74120 | ||
| $62 | $746 | 54 | 07/20/25 | Yes | 74133 | ||
| $65 | $774 | 45 | 06/24/25 | Yes | 74134 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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
|
|---|---|---|---|---|---|---|---|
| $54 | $642 | 25 | No | 07/09/25 | 74103 | ||
| $55 | $654 | 26 | No | 11/16/25 | 74133 | ||
| $56 | $668 | 22 | No | 07/08/25 | 74134 | ||
| $57 | $688 | 24 | No | 11/13/25 | 74104 | ||
| $65 | $782 | 27 | No | 08/02/25 | 74137 | ||
| $53 | $630 | 61 | Yes | 10/05/25 | 74112 | ||
| $55 | $656 | 42 | Yes | 06/20/25 | 74114 | ||
| $58 | $692 | 43 | Yes | 06/21/25 | 74120 | ||
| $62 | $746 | 54 | Yes | 07/20/25 | 74133 | ||
| $65 | $774 | 45 | Yes | 06/24/25 | 74134 |
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
|
|---|---|---|---|---|---|---|---|
| $22 | $262 | 38 | No | 06/15/25 | 74145 | ||
| $27 | $322 | 45 | No | 06/24/25 | 74134 | ||
| $27 | $324 | 38 | No | 07/16/25 | 74104 | ||
| $29 | $342 | 45 | No | 06/24/25 | 74104 | ||
| $31 | $366 | 43 | No | 06/24/25 | 74105 | ||
| $53 | $630 | 61 | Yes | 10/05/25 | 74112 | ||
| $55 | $656 | 42 | Yes | 06/20/25 | 74114 | ||
| $58 | $692 | 43 | Yes | 06/21/25 | 74120 | ||
| $62 | $746 | 54 | Yes | 07/20/25 | 74133 | ||
| $65 | $774 | 45 | Yes | 06/24/25 | 74134 |
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 | $298 | 67 | No | 07/06/25 | 74145 | ||
| $34 | $406 | 55 | No | 09/06/25 | 74112 | ||
| $40 | $476 | 64 | No | 09/02/25 | 74105 | ||
| $40 | $480 | 56 | No | 08/03/25 | 74133 | ||
| $41 | $488 | 61 | No | 10/05/25 | 74112 | ||
| $53 | $630 | 61 | Yes | 10/05/25 | 74112 | ||
| $55 | $656 | 42 | Yes | 06/20/25 | 74114 | ||
| $58 | $692 | 43 | Yes | 06/21/25 | 74120 | ||
| $62 | $746 | 54 | Yes | 07/20/25 | 74133 | ||
| $65 | $774 | 45 | Yes | 06/24/25 | 74134 |
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
|
|---|---|---|---|---|---|---|---|
| $22 | $262 | 06/15/25 | 38 | No | 74145 | ||
| $25 | $298 | 07/06/25 | 67 | No | 74145 | ||
| $27 | $322 | 06/24/25 | 45 | No | 74134 | ||
| $27 | $324 | 07/16/25 | 38 | No | 74104 | ||
| $29 | $342 | 06/24/25 | 45 | No | 74104 | ||
| $53 | $630 | 10/05/25 | 61 | Yes | 74112 | ||
| $55 | $656 | 06/20/25 | 42 | Yes | 74114 | ||
| $58 | $692 | 06/21/25 | 43 | Yes | 74120 | ||
| $62 | $746 | 07/20/25 | 54 | Yes | 74133 | ||
| $65 | $774 | 06/24/25 | 45 | Yes | 74134 |
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 | $43 | $516 | 62 | 10/31/25 | 74115 | ||
| <550 | $46 | $556 | 44 | 08/28/25 | 74129 | ||
| <550 | $49 | $588 | 66 | 08/08/25 | 74106 | ||
| <550 | $58 | $696 | 33 | 08/20/25 | 74129 | ||
| <550 | $61 | $728 | 32 | 10/10/24 | 74137 | ||
| $53 | $630 | 61 | 74112 | ||||
| $55 | $656 | 42 | 74114 | ||||
| $58 | $692 | 43 | 74120 | ||||
| $62 | $746 | 54 | 74133 | ||||
| $65 | $774 | 45 | 74134 |
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 | $38 | $458 | 64 | No | 11/04/25 | 74129 | ||
| At Fault With No Injury | $43 | $516 | 62 | No | 10/31/25 | 74115 | ||
| At Fault With No Injury | $49 | $584 | 50 | No | 10/03/25 | 74105 | ||
| At Fault With No Injury | $57 | $688 | 50 | No | 10/02/25 | 74135 | ||
| At Fault With No Injury | $61 | $732 | 53 | No | 06/09/25 | 74134 | ||
| $53 | $630 | 61 | Yes | 74112 | ||||
| $55 | $656 | 42 | Yes | 74114 | ||||
| $58 | $692 | 43 | Yes | 74120 | ||||
| $62 | $746 | 54 | Yes | 74133 | ||||
| $65 | $774 | 45 | Yes | 74134 |
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 under 15 | $40 | $478 | 30 | 11/10/25 | 74137 | ||
| Speeding under 15 | $43 | $514 | 41 | 08/11/25 | 74119 | ||
| Speeding under 15 | $47 | $562 | 53 | 10/24/25 | 74120 | ||
| Speeding under 15 | $51 | $614 | 54 | 09/30/25 | 74107 | ||
| Speeding over 15 | $56 | $666 | 64 | 11/04/25 | 74129 | ||
| $53 | $630 | 61 | 10/05/25 | 74112 | |||
| $55 | $656 | 42 | 06/20/25 | 74114 | |||
| $58 | $692 | 43 | 06/21/25 | 74120 | |||
| $62 | $746 | 54 | 07/20/25 | 74133 | |||
| $65 | $774 | 45 | 06/24/25 | 74134 |
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.
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 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.
