Insurance Costs in Tulsa, OK
Auto insurance in Tulsa averages $2,048 per year for full coverage, which is higher than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Tulsa, OK: What You Need to Know
Tulsa residents pay an average of $2,048 per year for full coverage auto insurance, which is 12.0% above the Oklahoma state average and 22.3% above the national average.
With a population of 413,066, Tulsa is one of the largest cities in Oklahoma. Higher population density, more traffic congestion, and increased accident risk all contribute to above-average insurance rates.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $2,048 | $171 |
| Standard Coverage (50/100/50) | $1,679 | $140 |
| State Minimum (25/50/25) | $860 | $72 |
Homeowners Insurance in Tulsa, OK
The average cost of homeowners insurance in Tulsa is $3,548 per year ($296/month), which is 94.9% above the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Tulsa, OK
Renters insurance in Tulsa averages $252 per year ($21/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Oklahoma Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Oklahoma City | $2,012/yr | $3,421/yr |
| Norman | $1,719/yr | $3,326/yr |
| Broken Arrow | $1,646/yr | $3,231/yr |
| Edmond | $1,610/yr | $3,326/yr |
| Lawton | $1,920/yr | $2,915/yr |
| Moore | $1,738/yr | $3,643/yr |
| Midwest City | $1,866/yr | $3,010/yr |
| Enid | $1,683/yr | $2,788/yr |
How to Save on Insurance in Tulsa
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Tulsa can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Tulsa, OK?
The average cost of car insurance in Tulsa, OK is $2,048 per year for full coverage, or about $171 per month. Minimum coverage costs around $860 per year.
Is car insurance expensive in Tulsa?
Yes, car insurance in Tulsa is above both the state and national averages.
How much is home insurance in Tulsa?
Homeowners insurance in Tulsa costs an average of $3,548 per year. Your actual cost depends on your home's value, age, construction type, and specific location.