Car Insurance Quotes Tulsa

Car Insurance Quotes Tulsa

If you are looking for car insurance quotes in Tulsa, you probably know that auto insurance rates can vary greatly based on several factors. One of the most important considerations is the weather. With severe storms and other natural events frequently hitting the area, car insurance claims in Tulsa can be higher than in other regions. This, in turn, can drive up the cost of coverage. Additionally, Tulsa has many uninsured drivers, which contributes to even higher rates for those who are properly insured.

To get the best deal on car insurance in Tulsa, it is essential to work with a company that rewards good driving behaviour. Many insurance providers offer discounts for safe drivers, and maintaining a clean driving record can help lower your premiums. Factors like your age, vehicle type, and coverage limits will also play a role in determining your rates. But regardless of the specifics, the key is to find a reliable insurance provider that not only offers affordable quotes but also provides coverage options that best suit your needs.

When shopping for car insurance quotes in Tulsa, be sure to compare multiple offers to find the most competitive rates. With the right coverage, you can protect yourself from potential accidents, damage, and legal issues while keeping your costs manageable. Don’t forget to ask about any discounts or special programs that can lower your premium, especially if you have been a safe driver for years.

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Required Tulsa Car Insurance Coverage

In Oklahoma, if you own and drive a car, you must have auto insurance that meets certain minimum coverage requirements. The state requires Liability coverage and Uninsured/Underinsured Motorist coverage from an insurance company licensed to operate in Oklahoma. The minimum coverage amounts are:

Liability Coverage:

$25,000 for Bodily Injury (per person)
$50,000 for Bodily Injury (per accident if multiple people are injured)
$25,000 for Property Damage (per accident)

Uninsured/Underinsured Motorist Coverage:

$25,000 for Bodily Injury (per person)
$50,000 for Bodily Injury (per accident if multiple people are injured)

It is a good idea to consider purchasing more than the minimum coverage. Although it might increase your monthly premium, higher coverage limits provide better protection in case of an accident.

Optional Tulsa Car Insurance 

In addition to mandatory liability insurance, Tulsa drivers can consider several optional coverage options for extra protection. These include:

Collision protection: Pays for repairs to your car after an accident, no matter who’s at fault.
Comprehensive coverage: Covers damage from events like theft, vandalism, or natural disasters.
Uninsured/underinsured motorist coverage: Protects you if you’re in an accident with a driver who has insufficient or no insurance.
Personal injury protection (PIP): Helps cover medical expenses and lost wages, regardless of fault.

Liability Insurance Is Required In Oklahoma

In Oklahoma, liability car insurance is required by law. This coverage helps protect others if you cause bodily injury or property damage. However, it does not cover you, your car, or your belongings. Drivers must have the following minimum coverage:

Bodily Injury Liability: $25,000 per person and $50,000 per accident
Property Damage Liability: $25,000 per accident

This is often referred to as 25/50/25. While it’s the minimum required, you may want to consider higher limits for better financial protection and additional coverage options.

How much does car insurance cost in Tulsa?

Car insurance in Tulsa costs an average of $1,047 for a six-month policy or about $175 per month. This is higher than both the Oklahoma average of $946 for six months and the national average of $742. Drivers in Tulsa tend to pay more for car insurance compared to the state and national averages. Keep in mind that rates can vary depending on factors like driving history, vehicle type, and coverage levels.

Cheapest Car Insurance Companies in Tulsa, Oklahoma

The cheapest car insurance companies in Tulsa, Oklahoma, and their average 6-month premiums are as follows:

USAA: $680
Oklahoma Farmers Union: $818
State Farm: $818
GEICO: $875
Progressive: $999
Mercury: $1,004
Farmers: $1,024.

How to Get Car Insurance Quotes in Tulsa, Oklahoma

If you are looking for car insurance quotes in Tulsa, Oklahoma, you have several options:

Online Insurance Marketplaces – Websites like Insurify, The Zebra, and Compare.com let you compare multiple quotes at once.
Insurance Company Websites – Most major insurers, such as GEICO, State Farm, Progressive, and Allstate, allow you to get a quote directly on their websites.
Independent Insurance Agents – Local agents can help you compare quotes from multiple providers and find the best coverage for your needs.
Insurance Company Offices – Visiting a local branch of an insurance provider can give you personalized assistance.

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