How Much Does Auto Insurance Cost in Tulsa, OK?
Tulsa pricing is 18% below the national average. Updated for 2026.
Based on local labor rates, humid-subtropical climate conditions, and Tulsa's energy-aerospace-healthcare economy.See our methodology
Auto Insurance Pricing in Tulsa, OK
Tulsa is one of the more affordable markets for auto insurance, with costs running about 18% below the national average. The city's energy-aerospace-healthcare economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 400K-population metro area is straightforward.
Local climate plays a direct role in auto insurance costs here. Tornado alley location affects insurance and building standards; hot summers drive HVAC demand; severe storms create periodic repair surges.
Market-specific factors matter in Tulsa: energy sector economy creates boom-bust cycles affecting contractor availability; overall affordable market.
Tulsa has moderate permitting requirements. Depending on the scope of your auto insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Tulsa vs National Average
What Affects Auto Insurance Cost in Tulsa?
Coverage
Minimum liability: $50-$100/mo. Full coverage: $150-$300/mo
Driving Record
Clean record vs DUI/accident can mean 50-200% higher premiums
Tulsa Market Conditions
energy sector economy creates boom-bust cycles affecting contractor availability; overall affordable market
Local Climate Impact
tornado alley location affects insurance and building standards; hot summers drive HVAC demand; severe storms create periodic repair surges
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Top-Rated Auto Insurance Pros in Tulsa, OK
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Tips to Save on Auto Insurance in Tulsa
- 1.Bundle with home insurance for 10-25% discount
- 2.Raise your deductible to lower premiums
- 3.Ask about safe driver and low mileage discounts
- 4.Shop around every 1-2 years — loyalty rarely pays
📈 Auto Insurance in Tulsa Cost Trends (2020–2024)
Prices have increased +17.5% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $126 | — |
| 2021 | $131 | +4.0% |
| 2022 | $139 | +6.1% |
| 2023 | $143 | +2.9% |
| 2024 | $148 | +3.5% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Auto Insurance in Tulsa
Recent Reports
Frequently Asked Questions
How much car insurance do I need?
At minimum, you need your state's required liability coverage. Experts recommend at least 100/300/100 liability plus comprehensive and collision.
Why does auto insurance cost different in Tulsa than other cities?
Tulsa's costs reflect local labor rates driven by the energy-aerospace-healthcare economy, humid-subtropical climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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