Car insurance rates are at an all-time high in the United States, but rates are holding steady in the Tulsa metro area, according to The Zebra’s just-released 2019 State of Auto Insurance Report.
That’s good news, even though Tulsa residents still pay 13 percent ($190) more than the national average for car insurance.
Here are some comparison average prices:
| Tulsa metro | $1,660 |
| Oklahoma City metro | $1,685 |
| Kansas City (Missouri) metro | $1,452 |
| Springfield (Missouri) metro | $1,344 |
| State of Oklahoma | $1,559 |
| United States | $1,470 |
Drivers in the following zip codes pay the most for car insurance.
| 1 | 74103 | Tulsa | $1,902 |
| 2 | 74110 | Tulsa | $1,888 |
| 3 | 74115 | Tulsa | $1,881 |
| 4 | 74106 | Tulsa | $1,876 |
| 5 | 74120 | Tulsa | $1,830 |
And drivers here pay the least:
| 1 | 74650 | Ralston | $1,512 |
| 2 | 74045 | Maramec | $1,516 |
| 3 | 74437 | Henryetta | $1,525 |
| 4 | 74652 | Shidler | $1,527 |
| 5 | 74017 | Bushyhead | $1,531 |
The Tulsa metro area data includes 87 zip codes and 59 cities.
Why are rates dropping in the Tulsa metro area?
“Oklahoma drivers have seen rates decline more than any other state — 20 percent since 2011,” said The Zebra Director of Market Insights Alyssa Connolly. “For Tulsa-area drivers, the decline has been 23 percent since 2011, and rates are holding steady this year with nearly zero change. This indicates that accidents and loss expenditures have been steady or declining. Oklahoma has substantially reduced the number of uninsured drivers in the state, which has a positive impact on rates for everyone.
The Zebra is an insurance search engine and a car insurance comparison marketplace. The Zebra’s national study explored 61 million car insurance premiums across every zip code as impacted by common variables such as driver age, gender, driving record, financial behaviors, and the cars themselves.