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Affordable Car Insurance for Oklahoma’s Second-Largest City

Tulsa County is one of Oklahoma’s most densely-populated. As a result, there’s considerable traffic around. Wherever you decide to drive, you face a risk of accidents or other mishaps. As a result, you must carry auto insurance to protect yourself behind the wheel.

Cheapest Auto Insurance has the experience to help Tulsans save time and money when getting targeted auto insurance. Our goal is to make sure you walk away satisfied with your protection.

Why Get Covered?

Tulsa proper has more than 400,000 residents, and more people equal more driving risks. Indeed, the city recorded over 9,600 crashes in 2016.

After a crash, vehicle damage, injuries and other losses could all prove expensive and time-consuming. That’s why it is so important to have car insurance. With it, you can get help paying recovery costs that might otherwise prove costly. That’s a lot of potential hassle off your plate. At the end of the day, carrying coverage will prove critical to your personal security whenever you drive.

Tulsa’s Auto Insurance Requirements

Almost all states require drivers to carry car insurance. Oklahoma is no exception. When you register your vehicle in Tulsa, you must present proof of auto liability insurance.

Liability coverage extends to the harm you might cause others. For example, if you are at-fault for a wreck that damages someone else’s car, they can claim the damage on your liability policy. The coverage will help compensate that person for their losses. At the same time, you won’t put yourself in a financial bind because of an accident.

Your liability coverage must start with at least:

• $25,000 injury or death coverage per person
• $50,000 injury or death coverage per accident (if multiple people get hurt)
• $25,000 property damage coverage

Nevertheless, most drivers can benefit from higher liability limits. Let one of Cheapest Auto Insurance’s agents help you determine the limits you want at a price you can afford.

Why Does Tulsa Auto Insurance Cost More Than Other Nearby Cities?

Tulsa is the second most populated city in Oklahoma — right behind Oklahoma City — with roughly 391,906 people. Also, 3 of the 10 fastest growing cities in Oklahoma are suburbs of Tulsa — which are Jenks, Owasso, and Bixby. Many of the people living in these towns work in Tulsa. Generally, where there is higher population, there is a higher frequency of accidents and also uninsured drivers. These two factors have a huge impact on pricing for Tulsa car insurance.

Below are a few ways you can combat the higher auto insurance rates in Tulsa.

• Set your monthly payments on EFT
• Sign up for paperless billing
• Take a defensive driving course
• Drive safe. The fewer claims you turn in, the more likely your safe driving discount will stay intact.

Cheapest Auto Insurance can help you find cheaper car insurance in Tulsa by going over all possible discounts. We can customize your policy for exactly what you need.

Expanding Your Coverage

We can help almost any driver expand their basic liability existing policy. Some additional benefits you can add to your coverage include:

• Collision Insurance to pay for damage your car sustains in a wreck
• Comprehensive Coverage for non-accident losses like theft, fire, weather and more
• Medical Payments Coverage to pay the medical bills of you and your passengers
• Uninsured/Underinsured Protection for when you collide with another at-fault driver who does not have appropriate liability coverage

By tapping into our network of top-rated policy providers, we can help you find the policy that most effectively targets your individual risks.

How Does Non-Owners Insurance Work In Tulsa, Oklahoma?

Non Owners insurance can often be a confusing policy. On many of the policies in Oklahoma, companies will add an exclusion of coverage if the vehicle is driven on a regular basis for a long period of time.

According to the Department of Insurance, a "non-owner liability policy pays for damages and injuries you cause when driving a borrowed or rented car, but it doesn't pay for your injuries or damage to the car you are driving." Many customers use this coverage to simply get their license reinstated.

If you drive a vehicle on a regular basis and own the vehicle, it is best to actually insure that vehicle (rather than to purchase a non-owners insurance policy). Many times, Non-Owners Insurance is cheaper than a normal auto policy. That said, coverage is much more limited.

One of the things we do here at Cheapest Auto Insurance is help explain all your coverages so everyone can understand them. Feel free to give us a call at (918) 744-5145 or visit one of our three local Tulsa offices to discuss a Non Owners Insurance Policy or any other questions you might have regarding auto insurance.

Insuring Drivers Of All Shapes And Sizes

There are about as many insurance options out there as there are drivers on the road. Still, not every policy is for every driver. We're here to make sure you get the right type and amount of protection. At the same time, we’ll make sure your protection comes at the best prices.

Even if you have excessive driving risks, we can still help you get covered. Just because factors like non-standard vehicles, a poor driving record or an SR-22 might make you a bit harder to insure doesn't mean there isn’t coverage out there. We'll help you find it.

Frequently Asked Car Insurance Questions In Tulsa

Do Tulsa Vehicle insurance prices very by marital status?

In many cases an auto insurance customer's car insurance rates can be affected by their marital status. In most situations, married drivers pay more than single driver for automobile insurance in Tulsa, Oklahoma. This is based on data that married drivers are less likely to turn in a claim. The other category that comes in to play is widowed drivers. Generally, these drivers have cheaper car insurance than other single people do.

Does Tulsa Car Insurance pricing differ by gender?

Most auto insurance carriers rate differently based on gender. Female drivers generally pay $20 more annually for auto insurance in Tulsa when compared to a male driver. There are some exceptions to every rule, though. We found an insurance company in Oklahoma that tends to provide cheaper rates to females..

 

Does Auto Insurance pricing vary by age in Tulsa, Oklahoma?

Auto insurance customers who are in their 50s are the age bracket that pays the least for car insurance in Tulsa, Oklahoma — paying an average of $1,739 annually. Customers in their 60s are just right behind them, paying $1,741 annually. Young drivers from ages 16 to 19 generally pay the most for automobile insurance. But once drivers get out of their teenage years, there is usually a substantial drop in their car insurance pricing.

 

Are Auto Insurance prices in Tulsa based on credit level?

Car insurance quotes in Tulsa can be closely related to your credit score. Studies have shown that Tulsa drivers who have better credit scores have a lower likelihood of having claims. That is one of the benefits of getting a quote from Cheapest Auto Insurance. We have companies that do not penalize auto insurance customers for their credit level. When you call us for a Tulsa auto insurance quote, we will never ask you for your social security number — as many Tulsa insurance companies will. Get a quick anonymous quote.

 

What is the average cost of Automobile Insurance rates in Tulsa, Oklahoma?

The average cost of car insurance in Tulsa, Oklahoma is $2,006 per year. That is more expensive that the average auto insurance policy in the state of Oklahoma. which is $1,787. Prices can vary based on age, driving record and claims frequency. But when you compare Tulsa auto insurance rates to the United States average $1,548 per year, you can see that Tulsa car insurance is substantially higher than the rest of United States.

How can violations affect your car insurance rates in Tulsa?

Having a good driving record is a great way to lower your auto insurance costs. Tickets for speeding, careless driving, DUIs and at fault accidents are just a few of the violations that can affect your automobile insurance. Auto insurance companies reward drivers who have a low risk of turning in a claim with lower prices.

Drivers that are convicted of careless driving ticket will pay the most extra in auto insurance premiums for their violation. It can be up to a 35 percent surcharge on your car insurance for this violation. This is a much higher surcharge than that which a driver gets after racking up a speeding ticket or running a stop sign.

Does my zip code affect my auto insurance quote in Tulsa?

Yes. Zip codes are actually one of the main factors when insurance companies give you an auto insurance quote. So, the area you live in can be important when it comes to auto insurance rates. The main reason insurance carriers use a zip code as a rating factor is that crime, uninsured motorist incidences and theft claims can be different depending on your zip code you live in. Certain Tulsa zip codes can be up to 30 percent higher whien compared to other zip codes. For example, Owasso is only 10 to 15 mins from Tulsa, but Owasso auto insurance is much cheaper than Tulsa auto insurance. So before you move to your new home or apartment, call your auto insurance agency and get a quote to see how your new zip code will affect your Tulsa car insurance.

How can weather affect Tulsa auto insurance?

Weather has a big affect on your auto insurance in Tulsa. Tulsa receives 42 inches of rain a year, while the national average is only 38 inches. More rain results in dangerous roads — and that increases your chances of having a car accident. Also snow and hail storms also play a huge factor in rating. The more hail storms Tulsa has, the more cars that get damaged. hail damage is a covered peril on your Oklahoma insurance policy if you have comprehensive coverage. It's very important to know what kind of coverage you have on your car insurance policy. According to the National Weather Service, any specific location in Tulsa metro area can expect to receive an average of 2 to 3 hail storms per year.

One way to avoid the perils of hail is to park your vehicles in your garage or under your carport. When heavy rain is in Tulsa, stay off the streets until the storm passes by. As far as snow, it only snows around 6 times a year in Tulsa. This is less than the national average, and the amount of snow has been much less than that in recent years.

What are my options for Day-To-Day driving in Tulsa, Oklahoma?

• Tulsa Highways: Interstate 44, Interstate 244 and US 169.
• Public Transit: Tulsa Transit Bus and The Lift
• Toll Roads: Turner Turnpike, Will Rogers Turnpike and Cherokee Turnpike
• Ridesharing: Uber and Lyft
• Lake Destinations: Grand Lake, Keystone Lake, and Skiatook Lake

I don't have a driver's license. Can I still get car insurance?

Yes! In Oklahoma, car insurance is required to get an Oklahoma driver's licence. Because of this, several of our carriers will allow customers to get an insurance policy with a valid Oklahoma ID, foreign driver's license or foreign ID.

What is the lowest car insurance coverage I'm allowed to have in Oklahoma?

Oklahoma requires that every person operating a motor vehicle maintain car insurance with liability limits of at least $25,000 per person, $50,000 per accident in bodily injury liability and another $25,000 per accident on property damage liability. It is illegal to have insurance limits lower than these.

What can I do to get my car insurance cheaper?

There are several things you can do to position yourself to get a cheaper rate on car insurance in Oklahoma. Below are a few:

• Keep a car insurance policy active for at least 6 months without letting it cancel.
• Avoid getting moving violations by following the laws of the Oklahoma Department of Public Safety.
• Pay your car insurance premium in full for six months or have your monthly payments automatically drafted from your checking account or debit card.
• Sign up to have your car insurance bill emailed instead of mailed to you.

Do you offer car insurance for just 30 days?

Yes. We have several carriers that offer a one month term on car insurance.

Can I let someone that is not a driver on my car insurance policy drive my car?

Almost every insurance company will tell you that this is not acceptable. It could result in your policy being cancelled if discovered.

Will uninsured motorist coverage pay for my vehicle damage in Oklahoma?

No. Currently, uninsured motorist in Oklahoma only covers bodily injury as the result of an accident due to the fault of an uninsured driver.

What is included in full-coverage car insurance?

Full-coverage car insurance can mean many different things. When starting an insurance policy with more than just liability protection, ask your agent to explain the different types of coverages offered to make sure you have the level of protection you desire.

Am I required to get full coverage car insurance if I'm making payments on my car?

Some finance companies do allow their customers to only get liability car insurance if they purchase a vehicle damage protection plan. This almost always increases the car payment, so check with the insurance company to see if it's cheaper to have the full coverage through them before adding it with your finance company.

What is non-owners car insurance?

A non-owners car insurance policy offers the policyholder liability protection when driving a vehicle they don't own or don't regularly drive.

How long do moving violations affect my car insurance rate?

Most carriers allow moving violations to affect your insurance rate from three to five years after the date of the violation. We do have a few carriers that will only rate violations two years after the date they were incurred.

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.

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.

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