Insurance FAQ Hub

Several local factors impact your Tulsa car insurance premiums, including:

• ZIP code
• Driving record
• Credit-based insurance score
• Oklahoma's frequently severe weather, such as hail and windstorms increases comprehensive coverage.
• Vehicle type
• Annual mileage
• Chosen deductible levels 

Read more about what affects your car insurance premiums here.

You can lower your car insurance costs by:

• Bundling your auto and home policies (save up to 20% annually)
• Improving your credit score
• Maintaining a clean driving record  
• Increasing your deductible
• Asking for "safe driver" discounts
• Installing anti-theft devices 

Insurers in Oklahoma use a credit-based insurance score to predict the likelihood of a claim. Drivers with "Excellent" credit often pay significantly less than those with "Poor" credit, as statistical data links higher scores to lower risk. If your score has improved recently, it is vital to have your agent re-shop your policy to capture potential savings from a better rating tier.

Oklahoma law requires all drivers to carry 25/50/25 liability limits. This includes $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. While this is the legal minimum, we strongly recommend higher limits to protect your personal assets from lawsuits if you are found at fault in a serious accident

In Tulsa, AAA often provides lower premiums than State Farm or Geico for drivers who bundle home and auto policies or maintain long-term memberships. While Geico frequently targets the lowest "base" price, AAA offers superior value through specialized local agents and Oklahoma-specific discounts that national "direct" carriers often overlook. We recommend comparing all three to see which fits your specific risk profile

A monthly payment of $300 is high for a standard driver in Tulsa but common for high-risk profiles, young drivers under 25, or those insuring luxury vehicles with zero deductibles. If you are paying $300 per month as a safe driver with standard coverage, you are likely overpaying. We routinely help Tulsa residents drop these premiums by re-shopping their coverage across our 20+ carriers to find a better "Insurance Score" match.

A "good" price for full coverage in Tulsa typically ranges between $120 and $180 per month for a driver with a clean record and a standard vehicle. For liability-only coverage, a competitive price is often between $50 and $90 per month. Prices vary significantly by ZIP code—drivers in Midtown Tulsa may see different rates than those in South Tulsa due to localized theft and accident data.

Yes, age is one of the most significant factors in determining your premium. In Oklahoma, drivers under 25 typically pay the highest rates due to statistically higher accident frequencies. Rates usually stabilize between ages 30 and 60. Once a driver passes 70, premiums may rise again as insurers adjust for changes in reaction times and medical costs associated with older drivers.

If your rates are spiking, it is likely due to Oklahoma’s high rate of uninsured drivers or frequent severe weather claims (hail and wind). Other factors include a recent change in your credit score, a new ticket or accident on your record, or your carrier increasing base rates statewide to cover rising repair costs. Our team can audit your policy to see if a simple deductible adjustment or a new carrier can lower that cost immediately.