Tulsa Auto Insurance Rates and Coverage

Tulsa drivers pay $1,450–$2,100 annually for full coverage, roughly 8–12% above Oklahoma's state average due to higher theft rates along the I-44 corridor and downtown congestion. Liability-only policies average $550–$750.

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Rates From Carriers Serving Tulsa, Oklahoma

White car with severe front-end collision damage showing crumpled hood and broken headlight after accident

Updated March 2026

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What Affects Rates in Tulsa

The I-44/US-75 interchange and downtown surface streets generate frequent collision claims, particularly during morning and evening commutes when traffic density peaks between 7–9 AM and 4–6 PM. Rear-end collisions along the Broken Arrow Expressway (BA) and Memorial Drive are especially common. Higher collision frequency in these corridors pushes premiums up 10–18% compared to less-traveled areas in suburban Bixby or Jenks.
Tulsa ranks in the top tier of Oklahoma cities for auto theft, with concentrated activity in midtown, near the Fairgrounds, and along 11th Street and Admiral Boulevard. Comprehensive coverage costs reflect this risk, with older model trucks and sedans most frequently targeted. Parking in gated or well-lit areas can reduce premiums through insurer discounts.
Spring and early summer bring severe thunderstorms with large hail, particularly in April through June. The 2017 and 2019 hailstorms caused tens of thousands of comprehensive claims across Tulsa County. Insurers price comprehensive coverage higher here than in western Oklahoma due to this pattern, and full glass coverage is a common add-on for local drivers.
South Tulsa zip codes (74137, 74133) see rates 15–25% lower than north and east Tulsa (74126, 74110) due to lower crime and claim frequency. Midtown (74114, 74105) falls in the middle range. Even within the city limits, your address is one of the strongest predictors of your premium.
Oklahoma has one of the higher uninsured motorist rates in the nation, and Tulsa reflects this trend. Uninsured/underinsured motorist coverage is not required but highly recommended, especially for drivers commuting through higher-risk corridors or parking in public areas overnight.

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Coverage Recommendations

Cost estimates are based on available industry data and vary by driver profile. These are not insurance quotes.

Liability Insurance

Essential on congested routes like I-44, US-75, and Memorial Drive where collision frequency is highest.

$550–$750/year