Average homeowners insurance cost in Tulsa, OK

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In Tulsa, homeowners pay an average annual rate of $5,356 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $2,774 more than the national average of $2,582.

Homeowners insurance premiums can vary significantly from one property to another. In Tulsa, the cost of home insurance is influenced by several factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read this guide to discover the monthly homeowners insurance cost in Tulsa, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Tulsa.

Key takeaways

The average cost of homeowners insurance in Tulsa is $5,356 per year.
State Farm is the cheapest homeowners insurance company in Tulsa with an average annual premium of $3,166.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $1,391 more a year for home insurance.

Average homeowners insurance cost in Tulsa per month

According to our rate analysis, homeowners in Tulsa pay an average of $446 per month. It’s $33 less than the state average of $479 and $231 more than the national average for home insurance across the United States.

In Tulsa, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

Average homeowners insurance cost for a $200,000 house in Tulsa

The average cost of homeowners insurance in Tulsa, OK is $3,965 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

Average homeowners insurance cost for a $300,000 house in Tulsa

Based on a rate analysis conducted by Insure.com, Tulsa residents pay an average of $5,356 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $1,391 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

Average homeowners insurance cost in Tulsa by company

Among the carriers analyzed, State Farm is the most affordable homeowners insurance company in Tulsa, offering an average annual rate of $3,166.

Allstate ranks second, while Oklahoma Farm Bureau holds the third spot with an average annual rate of $3,987.

Researching a company thoroughly before selecting a homeowners insurance policy is essential. Insure.com has meticulously reviewed all insurance companies operating in Tulsa and compiled a list of the most affordable options.

Below are the details of home insurance companies in Tulsa and their average annual premiums.

Home Insurance Company	Annual rate
State Farm	$3,166
Oklahoma Farm Bureau	$3,987
Shelter Insurance	$5,013
Farmers	$7,602
Allstate	$3,470
USAA*	$5,680

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Tulsa for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.