Average homeowners insurance cost in Tulsa, Oklahoma

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Our data shows that the average cost of homeowners insurance in Tulsa is $5,356 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1,000 deductible). It’s $2,774 more than the national average of $2,582 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Tulsa depend on several factors, including:

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

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide for more info on how much homeowners insurance costs per month in Tulsa, home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Tulsa.

Key Takeaways

In Tulsa, homeowners insurance costs $5,356 annually.
State Farm offers the most affordable homeowners insurance in Tulsa with an average annual premium of $3,166 .
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $1,391 higher.

Average homeowners insurance cost in Tulsa per month

Residents of Tulsa pay an average of $446 a month for homeowners insurance. It’s $33 less than the state average of $479 and $231 more than the national average for home insurance across the nation.

The cost of your homeowners insurance policy in Tulsa may change based on location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house

In Tulsa, homeowners pay an average of $3,965 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. Keep in mind that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, you should purchase flood insurance.

Average homeowners insurance cost for a $300,000 house

Homeowners in Tulsa typically pay an average of $5,356 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $1,391 . You should purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

Average homeowners insurance cost in Tulsa by company

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

Researching a company thoroughly before selecting a homeowners insurance policy is essential – and we can help with that. We took a close look at all the insurance companies serving Tulsa and put together a list of the most affordable ones.

Here’s a look at the top home insurance companies in Tulsa and what you can expect to pay with each one on average.

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

*USAA is only available to military community members and their families.

Many insurance companies offer discounts to customers who bundle their policies. By combining your home insurance policy with other policies, such as auto insurance, you can lower your premiums and simplify your insurance management with one provider.

Natural disasters in Oklahoma that can impact your home insurance

Natural disasters are a part of life in Oklahoma, often leading to expensive insurance claims. That’s why it’s so important to understand which disasters are most likely in your area before choosing a home insurance policy.

When you’re aware of the specific risks in your region, you can tailor your coverage to match – whether that means increasing your policy limits, choosing a deductible you’re comfortable with, or adding extra protection for uncovered events. Taking these steps now can help you avoid being underinsured and give you more financial security if a natural disaster hits your area.

Oklahoma is commonly affected by Heat wave and Ice storm.

How home insurance protects you against natural disasters

Home insurance protects your property and belongings from the financial impact of natural disasters. Home insurance can help pay for structural damage repairs, replace lost or damaged items, and provide funds for temporary housing if you can’t live in your home. This coverage provides financial relief, making it easier for homeowners to recover quickly from the effects of natural disasters.

While standard policies generally cover damage from windstorms, hail and lightning, additional coverage is required for disasters like floods, earthquakes and wildfires.

These types of damage are usually not covered by homeowners insurance, so homeowners need to buy separate flood or earthquake insurance to ensure complete protection.

Keep in mind: Standard policies may not cover everything

While homeowners insurance typically protects against common hazards, some natural disasters – like floods and earthquakes – require separate policies. Don’t assume you’re fully covered. Check your policy details and consider endorsements or supplemental coverage if you live in a high-risk area.

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 $1000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.