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Search by Quote ID → Search by Date of BirthMercury Car Insurance in Tulsa, OK
Mercury’s auto insurance policies are designed with your specific needs in mind. We understand the risks and challenges of driving in Tulsa — from weather-related conditions to busy intersections — and offer coverage that protects you on all fronts. Whether you’re commuting to work downtown, driving through the scenic routes of Riverside, or navigating the bustling streets around Woodland Hills, you can count on Mercury when you’re behind the wheel.
Is Auto Insurance Mandatory in Tulsa?
Auto insurance is a legal requirement for all drivers in Tulsa. The state mandates that every driver must carry a minimum amount of liability insurance, which helps cover damages or injuries you may cause to others in an accident.
Legal Requirements to Drive in Tulsa
According to the Oklahoma Insurance Department, you must meet these minimum liability insurance requirements to legally drive in the state:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $25,000 per accident
Driving without insurance in Tulsa can result in severe penalties, including fines, driver’s license suspension, and even vehicle impoundment.
Contact us today for a fast, free quote!Optional Tulsa Car Insurance
Beyond the mandatory liability insurance, Tulsa drivers have several optional coverage choices to consider, which can provide additional protection and peace of mind. These options include:
- Collision protection: This coverage helps pay for repairs to your car after an accident, regardless of who’s at fault.
- Comprehensive coverage: This covers damage to your car caused by events other than collisions, such as theft, vandalism, and natural disasters.
- Uninsured/underinsured motorist coverage: Although insurance is mandatory, not all drivers comply. This coverage protects you if you’re involved in an accident with a driver who has insufficient or no insurance.
- Personal injury protection (PIP): PIP can help pay for medical expenses, lost wages, and other related costs regardless of who’s at fault in an accident, providing further financial protection after an incident.
What Does Tulsa Auto Insurance Not Cover?
Auto insurance policies come with specific exclusions — situations where coverage does not apply. Understanding these exclusions can help you better prepare for potential out-of-pocket expenses and consider additional coverage options if needed. Here are some common things that auto insurance typically doesn’t cover:
- Intentional damage: Standard auto insurance policies don’t cover intentional damage to a vehicle.
- Normal wear and tear: Auto insurance doesn’t cover the gradual deterioration of a car due to age and normal usage.
- Personal belongings: Items inside your car that may be stolen or damaged are not covered under standard auto insurance. You need homeowners or renters insurance to cover your belongings.
- Business insurance: If you use your personal vehicle for business purposes, such as making deliveries or transporting goods, you may need a business auto insurance policy.
Get Cheap Auto Insurance in Tulsa from Mercury
Mercury offers some of the cheapest auto insurance in Tulsa without compromising quality. Plus, you can save even more on your car insurance premiums by taking advantage of discounts and bundling options.
Save More with Discounts
Mercury offers a variety of discounts that can help Tulsa drivers lower their auto insurance premiums. These discounts are designed to reward safe driving habits, anti-theft measures like installing safety features in your vehicle, and even good academic performance for students. By taking advantage of these discounts, you can significantly reduce your auto insurance cost while maintaining excellent coverage. Contact your local agent today to see what discounts are available to you.
Bundling with Mercury
Another effective way to save on auto insurance is to bundle your policies. When you combine your auto insurance with other policies, such as home insurance or renters insurance, you simplify your insurance needs and unlock additional savings.
- Tulsa home insurance: Protect your home and belongings against common risks such as theft, fire, and natural disasters. Home insurance also includes liability protection if someone is injured on your property.
- Tulsa renters insurance: This coverage protects your personal belongings inside your rental unit, liability coverage, and possibly additional living expenses if your rental becomes uninhabitable due to a covered loss.
Tulsa Car Insurance FAQs
How much is car insurance in Tulsa?
According to Value Penguin, the average cost of car insurance in Tulsa is $63 per month for minimum coverage and $181 per month for full coverage.
What is full car insurance in Oklahoma?
Full car insurance refers to a policy that goes beyond the minimum liability requirements mandated by state law when you purchase additional layers of coverage to provide more protection. Examples include collision protection, comprehensive coverage, uninsured/underinsured motorist coverage, and personal injury protection.
Can someone drive my car if not on my insurance in Tulsa?
In Tulsa, your auto insurance generally follows your car rather than the driver. This means that if you allow someone to drive your vehicle, your insurance will usually cover them, as long as they have a valid driver’s license and don’t use your vehicle regularly. However, It’s always best to check with your insurance carrier to understand the specifics of your policy and ensure you’re fully covered when allowing others to drive your vehicle.
How to find the cheapest car insurance in Tulsa?
Finding cheap car insurance in Tulsa is simple with Mercury. We offer competitive rates and several discounts that reward safe driving, good grades, and more. Plus, you can save even more by bundling your auto insurance with home or renters insurance.
What products does Mercury offer in Tulsa?
Mercury offers several products to Tulsa residents, including: