Cheap Auto Insurance in Tulsa, OK
We make auto insurance easy and hassle-free for Tulsa drivers looking for affordable coverage, whether you need liability, full coverage, or another option that fits your situation.
- Same-day coverage
- No credit check
- Local Tulsa County agents
- Oklahoma minimum
- 25 / 50 / 25liability, required by law
- Coverage starts
- Same dayID cards in the app
- Tulsa agents
- (405) 703-4077no fee to ask
01Why us
Why Tulsa Drivers Choose Cheapest Auto Insurance
Every insurance company calculates risk differently, so two drivers on the same street in Tulsa can be quoted very different prices. We shop the carriers for you and keep the process short.
What Separates Cheapest Auto Insurance in Tulsa From Other Auto Insurance Companies?
For drivers searching for the best auto insurance in Tulsa, finding a balance between affordability and reliable coverage is key. If you’re comparing options, especially in areas like East, West, North, or South Tulsa, you can see how we stack up against other car insurance companies in your area—starting with East Tulsa. With our Anonymous Quoting System that is the fastest online auto insurance quoting process in the industry, a customer can receive a quote in 60 seconds and complete the entire policy online in 5 minutes. There is truly nothing like it in the auto insurance industry. Here are few other reasons why Cheapest Auto Insurance is the place to find hassle-free, affordable auto insurance in Tulsa.
- No Credit Checks
- No Middleman Fees
- State of the art APP
- Low First Month Payment
- Anonymous Quoting System
Whether you visit one of our retail offices, call our call center, or use one of our self-service options, Cheapest Auto Insurance is happy to help you take care of your auto insurance needs in Tulsa today!
≈1 min
From ZIP code to a real price
Answer a handful of questions and see your rate. Buy today and your ID cards are in the app before you leave the couch.
No credit check
Your price is based on how you drive, not your credit score.
No broker fees
The price you are quoted is the price you pay.
Modern mobile app
ID cards, payments, documents.
Flexible payments
Getting insured today should not take a large payment up front.
- Monthly
- Bi-weekly
- Low first month
Real local agents
Call, text or stop by when you would rather talk it through — (405) 703-4077.
02Local
Driving in Tulsa
Car Insurance in Tulsa, OK: What Locals Should Know
03The law
Oklahoma's Minimum Coverage
What Kind Of Auto Insurance Do I Need in Tulsa?
Driving around Tulsa is a whole lot more fun when you’re covered (and legal). Like the rest of Oklahoma, Tulsa drivers are required to carry minimum liability auto insurance to help cover injuries or damages if you’re involved in an accident. This coverage is designed to protect everyone on the road — and it’s not optional.
Oklahoma law requires drivers to have at least $25,000 / $50,000 /$25,000 for bodily injury and property damage liability. That means if you cause an accident, your insurance helps pay for the other person’s medical bills and vehicle repairs.
Oklahoma also uses an electronic insurance verification system, which means the state can flag vehicles that appear to have lapsed coverage. If you receive a Notice of No Insurance, don’t panic — you can usually take care of it online through the Oklahoma Uninsured Vehicle Enforcement Diversion (UVED) program website.
For official insurance rules and updates, you can also visit the Oklahoma Insurance Department website. They’re a great resource for understanding coverage requirements, consumer rights, and what to do if you run into insurance issues.
Staying insured keeps you protected, stress-free, and ready for the next Tulsa adventure.
255025
The three numbers every Oklahoma policy is quoted against — in thousands of dollars.
- Bodily injury liabilityper person
- $25,000
- Bodily injury liabilityper accident
- $50,000
- Property damage liabilityper accident
- $25,000
Oklahoma runs an electronic insurance verification program that confirms vehicles stay insured. If coverage lapses, the state may issue a Notice of No Insurance.
04Coverage
Liability vs Full Coverage
Liability Car Insurance in Tulsa
Liability auto insurance in Tulsa is among the most expensive in Oklahoma. Here at Cheapest Auto Insurance, we can help you get the basic liability limits that Oklahoma requires which is 25/50/25 which is what we specialize in. Liability car insurance rates are based on several different factors here are a few main one's insurance companies in Tulsa use to set their rating factors:
- Insurance History
- Age
- Driving Record
- Credit Score
Check out this video to understand more about Liability Auto Insurance
Most of the nonstandard auto insurance companies in Tulsa do not run credit that is more of a factor with the larger national carriers the do more preferred insurance. Driving record seems to be one of the most important factors insurance companies use when rating liability insurance policies. Most of the nonstandard insurance companies only offer the state minimum coverage of 25/50/25. The higher your liability limits are the more it will cost you monthly. So, most consumers usually take the state minimum limits so they can save money on their monthly premiums.
Please remember that if you purchase liability only auto insurance it will only cover damage you do to a 3rd party; it will not pay for damage done to your vehicle. If you want your vehicle covered in case of an accident you would need to purchase full coverage insurance. Full coverage insurance is usually about twice the price as liability only. So, it is important to prioritize which is more important saving monthly or having extra coverage that could come in handy in case of accident.
Understanding More About Cheap Liability Car Insurance
Liability Insurance Quotes in Tulsa, Oklahoma
Average Monthly Rate ($)Driver Age Range
Show the figures as a table
| Driver Age Range | Average Monthly Rate ($) |
|---|---|
| 18-20 | $144 |
| 21-24 | $89 |
| 25-29 | $69 |
| 30-34 | $64 |
| 35-39 | $64 |
| 40-44 | $61 |
| 45-49 | $61 |
| 50-54 | $59 |
| 55-59 | $59 |
| 60-64 | $59 |
| 65-69 | $63 |
| 70-75 | $63 |
Full Coverage Car Insurance in Tulsa
If you’re paying for full coverage car insurance Oklahoma drivers commonly choose, you might be wondering whether it still makes financial sense in 2026.
With premiums rising, unpredictable storm seasons, and many vehicles aging on the road, more drivers across the state are evaluating whether keeping collision and comprehensive coverage is worth the cost — or if switching to liability-only insurance is the smarter move.
This guide will help you decide.
Click here to learn more about Full Coverage auto insurance in Tulsa
Full Coverage Insurance Quotes in Tulsa, Oklahoma
Full Coverage Insurance Rate ($ per Month)Driver Age Group
Show the figures as a table
| Driver Age Group | Full Coverage Insurance Rate ($ per Month) |
|---|---|
| 18-20 | $235 |
| 21-24 | $151 |
| 25-29 | $113 |
| 30-34 | $105 |
| 35-39 | $101 |
| 40-44 | $103 |
| 45-49 | $106 |
| 50-54 | $107 |
| 55-59 | $107 |
| 60-64 | $107 |
| 65-69 | $109 |
| 70-75 | $112 |
| Coverage | Liability onlyRequired by Oklahoma | Full coveragePopular for newer cars |
|---|---|---|
| Injuries you cause to othersbodily injury liability | Included | Included |
| Damage to other people's propertyproperty damage liability | Included | Included |
| Your own car after a crashcollision — whoever is at fault | Not included | Included |
| Hail, flooding, theft, fallen limbscomprehensive — the claims Oklahoma weather generates most | Not included | Included |
| Roadside, rental, towing, medical paymentsoptional add-ons | Not included | Included |
How To Pay Less in Tulsa
How To Get Cheap Auto Insurance Quotes in Tulsa
Cheapest Auto Insurance wants to help you find the best auto insurance quote possible—especially for drivers searching for low income car insurance in Oklahoma who need affordable coverage options. When searching for auto insurance, you’ll likely see a lot of advertisements from different companies, which can make it difficult to know where to start.
If you’re trying to sort through your options, it helps to understand how to properly compare rates. You can check out our guide on comparing car insurance quotes in Tulsa for a step-by-step breakdown.
Here are a few ways you can find cheap car insurance in a fast and efficient way:
- Find an auto insurance broker that works with many different insurance companies so you can find the best rate.
- Find an online quote comparison site that can shop online for you searching through a large amount of insurance companies.
- Find an insurance company that fits your coverage needs and current situation.
- Ask for every possible discount you can.
- Set your policy up on auto pay for your monthly premiums
- Set your billing up on Paperless Billing.
- Try to bundle your homeowners' policy or renter's policy with your auto insurance policy for the multi policy discount.
Check out this video to learn more about how auto insurance companies set their rates
What Is the Cheapest Car Insurance in Oklahoma?
There isn’t one insurance company that will be the cheapest for every driver in Oklahoma. Rates can vary quite a bit depending on your driving record, age, vehicle, insurance history, coverage choices, and other factors.
That means a company that gives one Tulsa driver the lowest quote may not be the cheapest option for someone else.
The best way to find a lower rate is to compare quotes using the same coverage each time. Keep the drivers, vehicles, liability limits, deductibles, and other coverage options consistent so you can see which company is actually offering the better price.
For Tulsa drivers, the cost can also change depending on whether you are shopping for minimum liability coverage or adding comprehensive and collision coverage.Tips On How To Lower Your Auto Insurance Rates in Tulsa
It is wise to always try to take advantage of all the discounts possible when you are trying to save on your car insurance rates. Here are a few discounts you can ask for when getting auto insurance quotes:
- Set your billing up on EFT
- Sign up for Paperless billing
- Some auto insurance companies offer a 7-10% discount for taking a defensive driving course.
- Be sure to shop around on your renewal to make sure your current insurance policy still works for you.
- Try to keep an even number of cars and drivers on your policy.
To go a little further on the last discount we mentioned and explain why this is so important. Auto insurance companies like this because it appears as that you have disclosed everyone who has access to drive your vehicles. Undisclosed drivers cost insurance companies a large amount of money each year by having accidents. Auto insurance companies want to be able to underwrite all drivers that are driving a vehicle to provide the appropriate monthly prices.
Want to find out how you can lower your car insurance in Tulsa? Check out this resource to find out!
Click to read more about car insurance in Tulsa. Check out this video to understand why auto insurance rates go up after an accident
Compare more than one company
Rates for the same driver can differ by more than you expect — a quote costs nothing and takes a minute.
Match the coverage to the car
Liability-only often makes sense for an older vehicle; full coverage protects a newer one.
Pick a deductible you could actually pay
A higher deductible lowers the premium — but only choose one that fits your budget on a bad day.
Keep coverage continuous
A lapse is one of the most expensive things on a driving record. Even a cheap policy beats a gap.
Ask about every discount
Safe-driver, multi-car, paid-in-full and app-based discounts add up — agents apply them for you.
06Quotes
Quotes and Local Agents
Online Car Insurance Quote Comparison in Tulsa
Comparing several quotes can help you see how differently insurance companies price the same driver. Just make sure you are comparing similar liability limits, deductibles, vehicles, drivers, and optional coverages so a lower price does not simply reflect less coverage. If you do choose an online comparison site for your insurance needs it is important to remember that site in most cases is not your actual insurance carrier. They are the middleman and mostly just help you get the policy started initially and do not service the policy going forward. The insurance carrier they set you up with would be responsible for servicing the policy going forward.
Independent Insurance Agents in Tulsa
If you have been searching for the best auto insurance brokers near me, an independent insurance agency in Tulsa may be exactly what you need. Independent car insurance brokers and agents are not tied to a single company — they compare rates from many carriers at once and help you choose the policy that fits your budget. Our Tulsa insurance agents charge no middleman fees and can quote your coverage in one visit or phone call. Whether you stop by an office, call, or quote online, working with a local independent agency is one of the most dependable ways to find affordable coverage in Tulsa and across Oklahoma.
Get Started Today
Cheapest Auto Insurance wants to be your neighborhood insurance partner in Tulsa. You can reach one of our agents via phone at (918) 744-5145 or get an instant online quote.
If you're ready to compare options, get an auto insurance quote in Tulsa and see what coverage and rates are available for your situation.
E-Sign Accepted Here
We are happy to offer an e-sign option for anyone that can’t make it to an office to sign paperwork. We want to make the process as easy as possible for you.
Note All rate data is generated as part of The Zebra's industry-leading annual insurance rate study.
07Visit
Visit Us in Tulsa
Tulsa Offices Located at:
Every Tulsa office is open Monday–Friday 9 AM – 5 PM and Saturday 10 AM – 2 PM, and is closed Sunday.
Tulsa | 15th & Harvard
- 3245 E 15th St, Tulsa, OK 74104
- Phone (918) 744-5145
- Check out our customer feedback!
- Find us on Yelp!
- Search for us on Bing!
Tulsa | 15th & Memorial
- 1443 S Memorial Dr, Tulsa, OK 74112
- Phone (918) 205-4360
- Check out our customer feedback!
- Find us on Yelp!
- Search for us on Bing!
Tulsa | Peoria & I-44
- 5308 S Peoria Ave, Suite C, Tulsa, OK 74105
- Phone (918) 215-3066
- Check out our customer feedback!
- Find us on Yelp!
- Search for us on Bing!
Tulsa | 11th Street
Tulsa | 31st & Mingo
- 9747 E 31st St, Tulsa, OK 74146
- Phone (918) 999-0085
- Check out our customer feedback!
- Find us on Yelp!
- Search for us on Bing!
Tulsa | 61st & Memorial
- 6030 S Memorial Dr, Tulsa, OK 74145
- Phone (918) 986-7850
- Check out our customer feedback!
- Find us on Yelp!
- Search for us on Bing!
Tulsa | Southwest Boulevard
Proud Members of:
08Companies
Companies Serving Tulsa
Auto insurance Companies in Tulsa
Best Insurance Companies in Tulsa
There are many insurance companies in Tulsa to choose from. So, we want to help you find the best one to fit your needs. It is important to view customer reviews on the insurance company you are getting car insurance rates from. We have found one of the best ways to do this is reading the insurance company’s Google Reviews. This gives you a true look at what customers are saying about the specific insurance company you are looking at from the customer’s point of view. This will take your focus off solely looking at price but also weighing in customer experience to make your final decision. We know we are not perfect but as you can see by our reviews below, we do our best to take care of every customer and try to find them insurance in Tulsa at an affordable price regardless of driving record and insurance history. We would love to be your insurance provider, please check out our reviews below and see if we can help save you money on your insurance today.
Insurance companies commonly serving drivers in and around Tulsa include:
- State FarmNational carrier
- Farmers InsuranceNational carrier
- AllstateNational carrier
- ProgressiveNational carrier
- GEICONational carrier
- Cheapest Auto InsuranceLocal agency — that’s us
09More
Other Coverage Situations
How Does Non-Owners Insurance Work in Tulsa, Oklahoma?
Non-owner car insurance in Tulsa is designed for drivers who do not own a vehicle but still need liability coverage. Many drivers searching for non owner car insurance Oklahoma options are looking for this type of policy when they need coverage but do not currently have a car. In Oklahoma, this type of policy may be a good fit for someone who occasionally borrows a car, rents vehicles from time to time, or needs proof of insurance for reinstatement purposes. Non-owner insurance can be confusing because it is more limited than a standard auto insurance policy. In many cases, a non-owner policy helps cover bodily injury or property damage you cause to others while driving a borrowed or rented vehicle, but it does not usually cover damage to the vehicle you are driving.
This type of coverage is often used by Tulsa drivers who want to maintain continuous insurance history or who need a policy even though they do not currently own a car. However, if you regularly drive the same vehicle or live in a household where you have regular access to a car, a non-owner policy may not be the right fit.
Many drivers in Oklahoma also look into non-owner car insurance when they are trying to get their license reinstated. Since every situation is different, it is important to review your needs with an agent who can help you understand what type of policy makes sense for your situation.
Non-owner car insurance in Tulsa may be a good option if you:
- Do not own a vehicle but still need liability coverage
- Borrow cars occasionally
- Need proof of insurance for reinstatement
- Want to avoid a lapse in insurance history
- Rent vehicles from time to time
- Explore your non-owner car insurance options here
- Read our full guide on how non-owner car insurance works
- Watch our video explaining non-owner insurance coverage
ID Only Car Insurance In Tulsa
Finding ID only car insurance can be difficult and expensive. But here at Cheapest Auto Insurance we have companies who specialize in insuring customers with and ID only. Just because your license is not active does not mean you can't find affordable insurance. You just need to find the right company who specialized in ID only car insurance. We have found that nonstandard auto insurance companies are your best bet for cheap ID only car insurance. You will find these companies at your local independent insurance agency. These agents work with numerous companies to find you the cheapest rate possible. We have gone more in depth to provide you with all the information you will need to find the best ID only car insurance possible in the link below. Click to learn more about ID only car insurance Click to learn how to find cheap car insurance with an ID How to get the best ID-only car insuranceAuto Insurance With a Suspended License in Tulsa
- Save Money Car Insurance
- The General
- Safe Auto
- Venture
- Key
Looking for Cheap Car Insurance Without License Near Me in Tulsa?
If you do not have an active driver’s license, some insurance companies may still consider your application. A local independent insurance agency can help you compare companies that work with state-issued IDs, excluded drivers, licensed primary drivers, and other nonstandard insurance situations.
To find an affordable policy, compare:
- The payment required to start coverage
- Monthly installment amounts
- Policy and installment fees
- The total policy premium
- Available coverage limits and deductibles
- Who must be listed as the primary driver
- Whether the vehicle owner must be excluded from driving
Depending on the insurer, you may need to name a licensed person as the primary driver or list yourself as an excluded driver. If the vehicle will remain in storage, comprehensive-only coverage may also be an option.
Be accurate about who owns and regularly drives the vehicle. Purchasing an insurance policy does not give an unlicensed or suspended person permission to drive.
How To Find Cheap Auto Insurance Online in Tulsa
When getting online car insurance quotes, you need the same mindset as if you were speaking to an agent. First off have all your information ready so the quote can be accurate. Secondly, tell the truth so your quote will be accurate. Try to get as many discounts as possible, here are a few you can check when getting online quotes:
- Sign up for auto pay
- Sign up for paperless billing
- Take a defensive driving course
- Pay your policy In full for six months
Watch this video to learn more about auto insurance quote comparison sites
Some auto insurance companies offer a discount for doing the insurance online compared to speaking with an agent. So, if you understand auto insurance coverage this can be a very good option for you to save some money on your insurance. Just make sure you research the company you are looking at before you pay for the policy. The more research you do the better and the more quotes you get the chances of finding cheap rates will increase.
Click here to learn more about finding online auto insurance
10Guides
More Car Insurance Guides
Learn More About Tulsa Auto Insurance
- Click here to read about auto insurance coverage in Tulsa
- Click here to watch about the importance of keeping auto insurance active
- Click here to learn more about your auto insurance policy
- Click and read about the importance of carrying proper auto insurance in Tulsa
- Click and read more about finding cheap auto insurance in Tulsa
Other Resources
Other Useful Links:
11FAQ
Frequently Asked Questions
1. How much is car insurance in Tulsa, OK?
In Tulsa, the cost of car insurance can vary depending on your driving history, age, and prior coverage. Some drivers may find basic liability policies starting around $60 per month, while full coverage plans generally come with higher premiums due to the added level of protection.2. Who has the cheapest car insurance in Tulsa, Oklahoma?
There isn’t a single company that offers the lowest rate for every driver in Tulsa. Insurance pricing differs between providers, so comparing quotes from multiple companies is one of the most common ways to identify more affordable coverage options.3. What is the minimum car insurance required in Tulsa, Oklahoma?
Drivers in Tulsa are required to carry Oklahoma’s minimum liability limits, which include:- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage
4. How fast can I get car insurance in Tulsa?
Car insurance in Tulsa can often be arranged quickly. Many providers offer online quoting tools that allow drivers to review pricing and activate coverage the same day, sometimes within just a few minutes.5. Can I get car insurance the same day in Tulsa?
Yes, same-day coverage is available from many insurance companies in Tulsa. After selecting a policy and completing the initial payment, coverage can usually begin immediately, with proof of insurance provided right away.6. Are any car insurance companies open now in Tulsa?
Our Tulsa offices are open Monday through Friday from 9 AM to 5 PM and Saturday from 10 AM to 2 PM. If our offices are closed, you can still request an auto insurance quote online 24/7 and may be able to start coverage the same day. Check our Tulsa office hours and locations7. Where can I find cheap car insurance without a license near me in Tulsa?
Start by contacting a local independent insurance agency that can compare options from multiple insurers. Some companies consider applications from vehicle owners with a state-issued ID, although they may require a licensed primary driver or require the owner to be excluded from driving. Compare the initial payment, monthly installments, fees, and total policy cost before choosing coverage.
8. Can I get car insurance in Tulsa with a suspended license?
Drivers with a suspended license in Tulsa may still qualify for coverage through insurers that specialize in higher-risk profiles. Eligibility and pricing will depend on factors such as the reason for the suspension and overall driving history.9. Do I need a down payment for car insurance in Tulsa?
Most car insurance policies in Tulsa require an upfront payment to begin coverage, although the amount can vary. Some providers offer flexible payment arrangements, including bi-weekly plans that allow part of the premium to be paid upfront with the remaining balance divided into smaller payments.9. How do I find the Cheapest Car Insurance in Tulsa?
The cheapest car insurance in Tulsa will depend on the driver and the policy being quoted. Start by deciding what coverage you need, then compare several quotes using the same coverage limits and deductibles. Your driving record, insurance history, vehicle, age, discounts, and other rating factors can all affect which company gives you the lowest price.What is the average car insurance cost in Oklahoma?
The average car insurance cost in Oklahoma varies with your age, ZIP code, driving record, and coverage level, so statewide numbers only tell part of the story. State-minimum 25/50/25 liability is the least expensive option — in Tulsa, basic liability policies can start around $60 per month — while full coverage typically runs about twice the price of liability only. Comparing quotes from several companies is the most reliable way to land below the average.
Can I get cheap car insurance with roadside assistance?
Yes. Many of the carriers we work with let you add roadside assistance to a liability or full coverage policy for a few extra dollars each month, helping with towing, jump starts, flat tires, and lockouts. Learn more about the benefits of roadside assistance, and ask your agent to include it when comparing quotes.
Can I get Oklahoma auto insurance quotes without phone calls?
Yes. Our anonymous quoting system gives you Oklahoma auto insurance quotes online — no phone calls required — 24 hours a day, 7 days a week. That makes it easy to compare rates at night or on weekends when offices are closed. And if you need cheap same day car insurance, you can usually finish the purchase online and have proof of coverage within minutes.
Where can I find cheap local car insurance near me?
If you are looking for car insurance near your location in the Tulsa area, one of our offices is probably just around the corner. We have locations across the city — including our 11th Street office near Garnett Road, minutes from 21st and Garnett — and drivers who need car insurance in Broken Arrow, OK can visit our Houston Street office. Find the nearest one on our locations page and stop in for a quote — no appointment needed.
12Nearby
Auto Insurance Near Tulsa
We write policies across the state. A few of the cities Tulsa drivers commute to:
Ready to save on your auto insurance?
Cheapest Auto Insurance wants to be your neighborhood insurance partner in Tulsa. Reach one of our agents at (405) 703-4077 or get an instant online quote with your ZIP code.
E-Sign accepted here — buy your policy without visiting an office.