Car Insurance in Tulsa, OK
Accidents happen — but with the right auto insurance coverage, you can drive with confidence knowing you’re protected. At Zoellner Insurance Agency, we help you find affordable, personalized auto insurance in Tulsa, OK, & surrounding cities, that fits your needs, budget, and lifestyle.
As an independent insurance agency, we compare quotes from multiple trusted carriers to make sure you always get the best value and the coverage that truly fits.
What Does Car Insurance Actually Cover?
Your auto insurance policy is designed to protect both you and others on the road. Typical coverages include:
Liability Coverage
Covers injuries or property damage you cause to others.
Collision Coverage
Pays for damage to your car after an accident.
Comprehensive Coverage
Protects against theft, vandalism, hail, and other non-collision losses.
Uninsured/Underinsured Motorist Coverage
Covers you if another driver doesn’t have enough insurance.
Uninsured/Underinsured Motorist Coverage
Covers you if another driver doesn’t have enough insurance.
What Car Insurance Companies Are The Best?
The honest answer: There is no single “best” company for everyone.
If there were one perfect insurance company, the others wouldn’t exist. The “best” carrier for a high-net-worth homeowner is often different from the best choice for a young driver with a ticket on their record.
However, the top-rated insurance companies all share two non-negotiable traits:
Financial Strength: An A.M. Best rating of “A” (Excellent) or higher.
Claims Satisfaction: A strong track record with J.D. Power for handling claims fairly.
The Data Behind Our Partners
At Zoellner Insurance, we don’t guess; we shop 20+ top-rated carriers to match your profile. Here is how our primary partners stack up by the numbers:
Carrier | A.M. Best Rating | J.D Power Recognition | Best For |
|---|---|---|---|
AAA Insurance | A (Excellent) | #1 in Price & Service (Select Regions) | Members & Bundle Discounts |
Travelers | A++ (Superior) | Top-Tier Claims Efficiency | Safe Drivers & Homeowners |
Progressive | A+ (Superior) | #1 in Service Satisfaction (Digital) | Drivers with Tickets or High Tech Needs |
Mercury | A (Excellent) | Award Winning Shopping Experience | Price-Conscious Drivers |
Liberty Mutual | A (Excellent) | Top 3 in Claims Satisfaction | Custom Coverage Options |
Encompass | A+ (Superior) | "A+" Rating from BBB | Simple "One-Deductible" Packages |
What do these ratings mean?
A.M. Best: This is like a “Credit Score” for insurance companies. An “A” or higher means the company has plenty of cash to pay your claim, even during a major disaster.
J.D. Power: This measures customer happiness. It surveys thousands of real customers to see how well the company handled their claims and billing.
Our Insurance Carriers
What is Liability Coverage? (And why do I need it?)
Liability coverage pays for the damage you cause to others.
If you are found at fault in an accident, Auto Liability Insurance covers the costs for the other party’s injuries and property damage. It covers their medical bills, vehicle repairs, and your legal fees if you are sued.
NB: Liability insurance does not pay for your own injuries or damage to your own car. It is strictly designed to protect your financial assets from lawsuits.
The Two Parts of Liability Insurance
Liability coverage is typically split into two distinct categories:
Bodily Injury (BI)
This pays for costs related to people injured in an accident you caused.
- Medical Expenses: Hospital bills, surgeries, and rehab for the other driver/passengers.
- Lost Wages: Income they lose because they cannot work while recovering.
- Legal Defense: Attorney fees if the injured party sues you.
Property Damage (PD)
This pays for costs related to physical property damaged in an accident you caused.
- Vehicles: Repairs or replacement of the other driver's car.
- Structures: Damage to fences, mailboxes, storefronts, or guardrails.
Remember: Liability does not cover your own car. For that, you need Collision Coverage.
Collision vs. Comprehensive: What’s the difference?
Liability covers the other guy. These two cover your car.
If you want your vehicle repaired after an incident, you need these optional coverages. They are often sold together as “Full Coverage.”
Collision Coverage
AKA: The Crash Coverage. This pays to repair or replace your vehicle if it is damaged in a collision with another vehicle or object.
- Covers: Hitting another car, crashing into a tree/fence, or flipping the vehicle.
- Trigger: You are usually at fault (or no one else is involved).
Comprehensive Coverage
AKA: Your "Bad Luck" Coverage. This pays for damage that is not caused by a crash. It covers things largely out of your control.
- Covers: Theft, vandalism, fire, hitting a deer, and weather damage (hail, flood, falling branches).
- Why you need it in Tulsa: Oklahoma ranks high for hail damage and severe weather. Without this, a storm could total your car, and you would get $0.
How does the Deductible work?
Your share of the repair bill. Both Collision and Comprehensive come with a deductible – the amount you agree to pay out-of-pocket before insurance kicks in.
Example:
If you have a $500 deductible and $3,000 in hail damage, you pay $500, and we pay $2,500.
Pro Tip: Raising your deductible (e.g., from $500 to $1,000) is one of the fastest ways to lower your monthly premium.
How can I lower my car insurance rates in Tulsa?
Get the most value from your coverage with discounts for:
- Safe driving and low mileage
- Multi-vehicle and multi-policy bundles
- Good student and teen driver programs
- Vehicle safety features (airbags, anti-theft devices)
- Pay-in-full and paperless billing
Ask our agents about how to bundle your auto and home insurance to save even more.
Why Choose Zoellner Insurance for Your Car Insurance in Tulsa, OK?
When it comes to auto insurance in Tulsa, Oklahoma, experience and independence matter. Here’s why drivers trust Zoellner Insurance:
We're Independent Brokers
We shop multiple carriers to secure you the best rates
Local Service, National Reach
Personalized help with big-name coverage options.
Custom Protection
From teen drivers to classic cars, we tailor every policy to your specific needs.
AAA Club Alliance
Backed by one of America’s most trusted networks.
Customer-First
We go the extra mile to make insurance as smooth & hassle-free as possible.
LOCAL EXPERTS
As insurance brokers in Tulsa, OK, we understand the unique requirements of the area.
FAQs
Everything You Need to Know About Car Insurance
Costs & Rates
You aren’t imagining it – rates are up nationwide. The main drivers are:
Inflation: Parts and labor cost more than ever.
Tech: Bumper sensors and cameras make minor fender benders expensive to fix.
Severe Weather: Oklahoma’s hail and storm risks drive up regional premiums.
Rural road conditions and the cost of medical care also influence premiums. However, your rate can vary widely depending on your driving history, credit score, age, and vehicle type. Zoellner Insurance helps drivers lower costs by comparing quotes from multiple carriers and finding discounts for safe driving, bundling policies, or using paperless billing.
The average cost of car insurance in Oklahoma is around $1,500 to $1,900 per year (about $125–$160 per month) for full coverage. Minimum liability-only policies typically cost $500–$700 annually. Your actual rate depends on factors like your location, driving record, vehicle type, and chosen coverage limits. At Zoellner Insurance, we work with multiple carriers to find competitive rates and identify every discount you qualify for — including safe driver, good student, multi-policy, and low-mileage savings.
The numbers 25/50/25 represent Oklahoma’s minimum required auto liability limits:
$25,000 for bodily injury per person
$50,000 total for bodily injury per accident
$25,000 for property damage
This means your insurer will pay up to those amounts if you cause an accident. However, these limits are often too low to cover major injuries or property damage. Zoellner Insurance recommends considering higher limits or a full coverage policy (adding comprehensive and collision) to better protect your assets.
Rates vary wildly based on your profile, but the average safe driver in Tulsa pays between $100 and $200 per month for full coverage. Minimum liability can be as low as $50–$80/mo. To get an exact number, we need to shop your rate against multiple carriers.
Yes. In Oklahoma, insurers use an “Insurance Score” (based on credit history) to predict risk. Drivers with higher credit scores typically qualify for significantly lower rates.
What is (and isn't) Covered?
Generally, no. Standard car insurance covers accidental damage (crashes, weather, theft). It does not cover mechanical breakdown , wear and tear, or maintenance issues like a blown engine or bad transmission.
Exception: If the mechanical failure was caused directly by an accident (e.g., a crash cracked your engine block), it would be covered.
Yes, if you have Comprehensive Coverage. If your car is keyed, spray-painted, or has windows smashed, your Comprehensive policy will pay for repairs (minus your deductible).
Yes — it is illegal to drive without insurance in Oklahoma. Every vehicle registered in the state must carry at least the minimum 25/50/25 liability coverage. Driving without insurance can result in fines, license suspension, vehicle impoundment, and reinstatement fees. Additionally, if you cause an accident while uninsured, you’ll be personally responsible for any damages or medical expenses. To stay compliant and protected, Zoellner Insurance can help you secure affordable coverage options that meet Oklahoma’s requirements and fit your budget.
In most cases, yes — auto insurance follows the car, not the driver. If someone drives your car with your permission, your insurance generally covers them under permissive use. However, certain restrictions apply: not all carriers allow this, and frequent or household drivers usually need to be listed on your policy. If an unlisted driver causes an accident, your coverage could be limited or denied. To avoid surprises, speak with a Zoellner Insurance agent to confirm your policy’s rules and ensure all regular drivers are properly covered.
If an uninsured or underinsured driver hits you in Oklahoma, your own Uninsured/Underinsured Motorist (UM/UIM)coverage can help. This optional policy pays for your medical expenses, lost wages, and related damages if the other driver doesn’t have enough coverage (or none at all). Without UM/UIM coverage, you may have to pay out of pocket or pursue legal action to recover costs. Zoellner Insurance strongly recommends including UM/UIM in your policy — it’s one of the most valuable and affordable protections you can have.
Managing your Policy
In Oklahoma, state law requires all drivers to carry liability auto insurance to cover injuries or damage they cause to others. The minimum required limits are $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage — often referred to as 25/50/25 coverage. While these limits meet the legal requirement, they may not fully protect you in a serious accident. At Zoellner Insurance, we recommend reviewing your coverage with one of our agents to ensure you have adequate protection for your vehicle, income, and future.
Yes. Common reasons for denial include:
Lapsed Policy: You stopped paying premiums.
Excluded Driver: Someone not listed on your policy was driving.
Unapproved Use: Using a personal car for delivery (DoorDash/Uber) without a rideshare add-on.
Rates typically renew every 6 or 12 months. However, your rate can change if you move, buy a new car, get a ticket, or if the carrier adjusts their statewide pricing.
Get a Free Car Insurance Quote Today
Ready to compare rates and coverage options? Contact Zoellner Insurance today for a personalized quote. We’ll make sure your vehicle — and your peace of mind — are fully protected wherever the road takes you.
This site serves residents of the AAA Club Alliance service area which includes Greater Hartford, CT Area, Cincinnati Tri-State Area, Miami County, OH, Greater Dayton, OH Area, Northwest Ohio, AAA Blue Grass & Bluefield Regions, Southern West Virginia, Kansas, Oklahoma, South Dakota, Delaware, Maryland, Washington DC, and parts of Virginia, Pennsylvania, and New Jersey. Write Us: AAA Club Alliance, One River Place, Wilmington, DE 19801
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