Car Insurance Cost in Tulsa, OK – Cheapest Rates (2024) + Comparisons

• The average cost of car insurance in Tulsa is $2,270 per year, or about $189 per month for full coverage.
• Tulsa car insurance costs an average of $180 per year more than the Oklahoma state average ($2,090) and $387 per year more than the average rate for all 50 states ($1,883).
• Auto insurance rates for a few popular vehicles in Tulsa include the Jeep Wrangler at $2,592 per year, Ford Escape at $2,070, and Toyota Highlander at $2,066.
• Compact crossovers like the Subaru Crosstrek, Chevrolet Trailblazer, Hyundai Venue, and Ford Bronco Sport are the top choices for cheap car insurance in Tulsa.
• A few models with the cheapest car insurance in Tulsa in their segment include the Hyundai Ioniq 6 ($2,088 per year), Toyota GR Corolla ($1,974 per year), Acura Integra ($2,018 per year), and Subaru Crosstrek ($1,678 per year).

What is average car insurance cost in Tulsa?

The average car insurance cost in Tulsa is $2,270 per year, or about $189 per month for a full coverage policy. It costs 18.6% more to insure the average vehicle in Tulsa, OK, than the U.S. overall average rate of $1,883.

In the state of Oklahoma, the average cost of car insurance is $2,090 per year, so the average cost in Tulsa is $180 more per year. When rates are compared to other cities in Oklahoma, the cost to insure a vehicle in Tulsa is about $122 per year more expensive than in Broken Arrow, $310 per year more than in Lawton, and $16 per year more than in Oklahoma City.

The age of the rated driver is the single-largest factor that determines the price you pay for car insurance, so the list below illustrates this point by showing average car insurance rates in Tulsa depending on driver age.

Average car insurance rates in Tulsa for drivers age 16 to 60

• 16-year-old rated driver – $8,083 per year or $674 per month
• 17-year-old rated driver – $7,831 per year or $653 per month
• 18-year-old rated driver – $7,020 per year or $585 per month
• 19-year-old rated driver – $6,391 per year or $533 per month
• 20-year-old rated driver – $4,566 per year or $381 per month
• 30-year-old rated driver – $2,422 per year or $202 per month
• 40-year-old rated driver – $2,270 per year or $189 per month
• 50-year-old rated driver – $2,012 per year or $168 per month
• 60-year-old rated driver – $1,884 per year or $157 per month

The chart below shows average Tulsa car insurance rates for 2024 model year vehicles not only by the age of the driver, but also by three different policy deductibles.

In the chart above, the cost of auto insurance in Tulsa ranges from $1,592 per year for a 60-year-old driver with a high deductible policy to $5,310 per year for a 20-year-old driver with a low deductible. From a monthly budget point of view, the average cost ranges from $133 to $443 per month.

Auto insurance rates can cost significantly different amounts and slight changes in driver risk profiles can have measureable effects on car insurance cost. Since there can be such a large difference in rates, it increases the need to get multiple car insurance quotes when trying to find the cheapest car insurance policy.

Specific vehicles and the cost of insurance

The auto insurance rates mentioned above are averaged for every 2024 model year vehicle, which is practical when making big picture comparisons such as the average cost difference for different locations or driver risk profiles. For deeper rate comparisons, however, the data will be more precise if we do a rate analysis for the specific model of vehicle being insured.

In the next few sections, we get into both rates by vehicle segment and rates for many different specific vehicles, but for now, a few of the most popular models will be used to see how auto insurance rates stack up in Tulsa.

The following chart details average insurance cost in Tulsa for popular cars, trucks, and SUVs. Later on in this article, there is a section that explores auto insurance rates for some of these models in more detail.

In Tulsa, which vehicles are cheapest to insure?

The models with the cheapest average car insurance rates in Tulsa, OK, tend to be crossovers and small SUVs like the Chevrolet Trailblazer, Kia Soul, and Hyundai Venue. Average car insurance quotes for those models cost $1,842 or less per year to have full coverage.

Other vehicles that are highly ranked in our car insurance price comparison are the Kia Niro, Volkswagen Taos, Chevrolet Colorado, and Volkswagen Tiguan. Insurance rates are a little higher for those models than the compact SUVs at the top of the list, but they still have average rates of $1,946 or less per year ($162 per month) in Tulsa.

The table below ranks the top 50 cheapest vehicles to insure in Tulsa, ordered by cost.

The above table containing 50 ranked vehicles is fine if you just want the absolute lowest rates. Considering we track over 700 vehicles, a lot of models get left out. Let’s dig a little deeper into the data and break out the most affordable vehicles a different way.

The section below talks about the average cost of auto insurance by vehicle segment. The rates shown will give you a good foundation of which segments have the overall least expensive car insurance rates in Tulsa. Then the following six sections display the 20 models with the most affordable insurance for the primary segments.

Average Tulsa car insurance rates by vehicle segment

If you’re shopping for a new vehicle, it’s very useful to know which categories of vehicles are cheaper to insure. To illustrate this, some people wonder if compact SUVs have cheaper car insurance than midsize SUVs or if luxury models have more expensive car insurance than regular vehicles.

The next chart displays average auto insurance rates by segment in Tulsa. From a segment perspective, compact SUVs, midsize trucks, and minivans have the best average car insurance rates, while exotic high-performance models have the highest auto insurance rates.

Average rates by automotive segment are good enough to make an overall comparison, but rates range substantially within each vehicle category listed in the above chart.

For example, in the midsize luxury car segment, car insurance rates in Tulsa range from the Mercedes-Benz CLA250 costing $2,336 per year for full coverage insurance up to the BMW M8 costing $3,822 per year. For another example, in the sports car segment, average rates range from the Mazda MX-5 Miata at $2,100 per year to the Mercedes-Benz SL 63 costing $4,662 per year, a difference of $2,562 within that segment.

In these next sections, we reduce this variability by comparing the cost of auto insurance in Tulsa at the model level rather than the segment level.

Cheapest car insurance rates in Tulsa, Oklahoma

The top-ranked vehicle in Tulsa for the lowest-cost insurance in the non-luxury car segment is the Toyota GR Corolla, with a cost of $1,974 per year. Second place is the Nissan Leaf at $1,988 per year, ranking third is the Honda Civic, at an average of $2,010 per year, and fourth place goes to the Nissan Sentra, costing an average of $2,080 per year.

Also ranking in the top 10 are cars like the Honda Accord, Toyota Prius, Chevrolet Malibu, and Hyundai Ioniq 6, with an average cost of $2,200 per year or less.

Full-coverage auto insurance in Tulsa for this segment for a good driver starts at an average of $165 per month, depending on your company and location.

When prices are compared by vehicle size, the cheapest non-luxury compact car to insure in Tulsa is the Toyota GR Corolla at $1,974 per year, or $165 per month. For midsize cars, the Hyundai Ioniq 6 has the best rates at $2,088 per year, or $174 per month. And for full-size sedans, the Chrysler 300 has the best rates at $2,154 per year, or $180 per month.

The comparison table below ranks the twenty cars with the lowest-cost average insurance rates in Tulsa, starting with the Toyota GR Corolla at $1,974 per year ($165 per month) and ending with the Mazda 3 at $2,346 per year ($196 per month).

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Looking for rates for a different vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Tulsa car insurance quotes from top-rated companies in Oklahoma.

Cheapest SUV insurance rates in Tulsa

The cheapest SUVs to insure in Tulsa are the Subaru Crosstrek at $1,678 per year, the Chevrolet Trailblazer at $1,706 per year, and the Kia Soul at $1,772 per year.

Not the cheapest SUVs to insure, but still affordable, are models like the Ford Bronco Sport, Hyundai Venue, Mazda CX-5, and Toyota Corolla Cross, with an average cost to insure of $1,860 per year or less.

Ranking between positions 10 and 20, models like the Honda HR-V, Buick Envista, Honda CR-V, Kia Niro, and Subaru Outback cost between $1,860 and $1,976 to insure per year.

Full-coverage insurance in Tulsa for this segment can cost as low as $140 per month, depending on where you live. The comparison table below ranks the SUVs with the cheapest insurance rates in Tulsa.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Don’t see your SUV in the table above? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Tulsa car insurance quotes from top-rated car insurance companies in Oklahoma.

Cheapest pickup insurance rates in Tulsa

Ranking at the top for the cheapest Tulsa car insurance rates in the pickup segment are the Ford Ranger, Nissan Frontier, Chevrolet Colorado, Ford Maverick, and Nissan Titan. Auto insurance quotes for these 2024 models average $2,200 or less per year.

Not the cheapest in the list, but still ranking well, are trucks like the GMC Sierra 2500 HD, Honda Ridgeline, Hyundai Santa Cruz, and Toyota Tacoma, with average annual insurance rates of $2,334 per year or less.

As a cost per month, car insurance on this segment in Tulsa for a good driver starts at an average of $162 per month, depending on where you live. The next table ranks the twenty pickups with the cheapest average insurance rates in Tulsa, starting with the Chevrolet Colorado at $162 per month and ending with the Ram Truck at $219 per month.

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see your pickup in the list? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Oklahoma.

Cheapest luxury cars to insure in Tulsa

The four top-ranked luxury car models with the lowest-cost insurance rates in Tulsa are the Acura Integra at $2,018 per year, BMW 330i at $2,312 per year, Mercedes-Benz CLA250 at $2,336 per year, and Lexus IS 300 at $2,340 per year.

Other luxury cars that are affordable to insure are the Genesis G70, Mercedes-Benz AMG CLA35, Lexus ES 350, and Lexus RC 300, with an average cost to insure of $2,386 per year or less.

Full-coverage insurance in Tulsa for this segment for a middle-age safe driver will start around $168 per month, depending on the company and your location.

The cheapest small luxury car to insure in Tulsa is the Acura Integra at $2,018 per year. For midsize luxury models, the Mercedes-Benz CLA250 has the cheapest rates at $2,336 per year. And for full-size luxury cars, the Audi A5 has the most affordable rates at $2,688 per year.

The table below ranks the twenty cars with the lowest-cost insurance rates in Tulsa, starting with the Acura Integra at $2,018 per year ($168 per month) and ending with the Audi S3 at $2,544 per year ($212 per month).

See our guide for luxury car insurance to view any vehicles not shown in the table.

Don’t see your luxury car? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Tulsa car insurance quotes from top-rated car insurance companies in Oklahoma.

Cheapest luxury SUV insurance rates in Tulsa

Ranked at #1 in Tulsa for the lowest-cost insurance in the luxury SUV segment is the Acura RDX, costing an average of $1,898 per year. Second place is the Lexus NX 250 at $2,010 per year, and third place goes to the Cadillac XT4, costing an average of $2,048 per year.

Not the cheapest, but still in the top 10, are luxury SUVs like the Lexus NX 350h, Lexus UX 250h, Lincoln Corsair, and Mercedes-Benz GLB 250, with average insurance cost of $2,190 per year or less.

Some additional 2024 luxury models on the list include the Lexus RX 350, Infiniti QX50, Mercedes-Benz GLA250, and Acura MDX, which average between $2,190 and $2,276 to insure per year.

On a monthly basis, car insurance in this segment will start around $158 per month, depending on your location.

If insurance rates are ranked by vehicle size, the most budget-friendly small luxury SUV to insure in Tulsa is the Acura RDX at $1,898 per year. For midsize 2024 models, the Jaguar E-Pace has the cheapest rates at $2,122 per year. And for large luxury SUVs, the Infiniti QX80 has the best rates at $2,544 per year.

The next table ranks the twenty luxury SUVs with the cheapest auto insurance rates in Tulsa.

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Don’t see your luxury SUV in the table above? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Tulsa car insurance quotes from top-rated car insurance companies in Oklahoma.

Cheapest sports cars to insure in Tulsa

Ranking at the top of the list for the lowest-cost Tulsa auto insurance rates in the sports car and performance segment are the BMW Z4, Subaru WRX, Ford Mustang, Toyota GR86, and Mazda MX-5 Miata. Auto insurance prices for these 2024 models average $212 or less per month.

Other models that have affordable insurance rates are the Toyota GR Supra, Subaru BRZ, BMW M2, and Lexus RC F, with average cost of $2,714 per year or less.

As a cost per month, full-coverage car insurance in Tulsa on this segment can cost as low as $175 per month, depending on where you live and the company you use. The rate comparison table below ranks the twenty sports cars with the cheapest insurance rates in Tulsa.

Need rates for a different vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Tulsa.

Variability and auto insurance rates

To aid in understanding the amount that the cost of auto insurance can fluctuate from one driver to the next (and also emphasize the importance of accurate rate quotes), the sections below show multiple rates for five popular vehicles in Tulsa: the Ford F150, Nissan Sentra, Toyota Highlander, Honda Accord, and Ford Mustang.

Each example uses a variety of risk profiles to illustrate the potential rate difference with only small changes to the policy rating factors.

Ford F150 insurance rates

In Tulsa, Ford F150 insurance costs an average of $2,540 per year, or around $212 per month, and ranges from $2,108 to $5,864 annually.

The Ford F150 is a full-size truck, and other popular models include the Nissan Titan, Ram Truck, GMC Sierra, and Toyota Tundra.

Nissan Sentra insurance rates

Car insurance for a Nissan Sentra in Tulsa averages $2,080 per year, or around $173 per month, and has a range of $1,726 to $4,724 annually.

The Nissan Sentra is considered a compact car, and additional models from the same segment that are popular in Tulsa, OK, include the Toyota Corolla, Honda Civic, Volkswagen Jetta, and Hyundai Elantra.

Toyota Highlander insurance rates

Insurance for a Toyota Highlander in Tulsa costs an average of $2,066 per year, or about $172 per month, and ranges from $1,718 to $4,720 per year for the example driver profiles displayed in the cost chart below.

The Toyota Highlander is considered a midsize SUV, and additional similar models from the same segment include the Honda Pilot, Ford Explorer, and Jeep Grand Cherokee.

Honda Accord insurance rates

In Tulsa, Honda Accord insurance averages $2,194 per year (about $183 per month) and ranges from $1,824 to $5,040 annually.

The Honda Accord is a midsize car, and other models in the same segment include the Toyota Camry, Nissan Altima, and Chevrolet Malibu.

Ford Mustang insurance rates

Car insurance for a Ford Mustang in Tulsa averages $2,492 per year ($208 per month) and ranges from $2,068 to $5,708 per year.

The Ford Mustang is considered a sports car, and additional models from the same segment that are popular in Tulsa, Oklahoma, include the Chevrolet Camaro, Subaru BRZ, and Chevrolet Corvette.

Tips for finding cheaper Tulsa car insurance quotes

Smart drivers should always be thinking of ways to reduce their monthly insurance expenses. So take a minute and read through the savings concepts in the list below and maybe you can save some money on your next policy.

• You don’t have to stick with the same company. Taking a few minutes to get a few free car insurance quotes is a great way to save money. Companies make rate modifications frequently and you can switch anytime.
• Remain claim free. Most auto insurance companies give a discount for not having any claims. Insurance should only be used for larger claims, not small claims.
• Buy vehicles with cheaper insurance. The type of vehicle you drive has a big impact on the price you pay for auto insurance. As an example, a Hyundai Venue costs $1,108 less per year to insure in Tulsa than a Chevrolet Camaro. Lower performance vehicles save money.
• Remove unneeded coverage on older cars. Deleting comprehensive and collision coverage from vehicles whose value has dropped to the point where coverage is not cost effective will cut the cost of auto insurance substantially.
• Raise your credit score to score lower rates. Having an over-800 credit score could save as much as $356 per year over a lower credit score of 670-739. Conversely, a credit score lower than 579 could cost as much as $413 more per year. Not all states use credit score as a rating factor, so check with your agent or company.