Home Renters insurance Renters insurance cost Average renters insurance cost in Oklahoma Average renters insurance cost in Oklahoma Discover the average cost of renters insurance in Oklahoma and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: December 3, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Renters insurance costs in Oklahoma vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in Oklahoma pay $281 per year or $23 per month for a policy that includes $40,000 in personal property coverage, $300,000 in liability protection and a $1,000 deductible. Key Takeaways The average cost of renters insurance in Oklahoma is $281 per year or $23 per month.State Farm provides the least expensive renters insurance in Oklahoma at an average rate of $210 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Oklahoma. Average renters insurance cost in Oklahoma per monthThe average cost of renters insurance in Oklahoma is $23 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$23$1 morePowered by:Average renters insurance cost in Oklahoma by companyRenters in Oklahoma can find the most budget-friendly insurance with State Farm, which has an average annual cost of $210, according to our data. Other affordable options include Shelter Insurance and Oklahoma Farm Bureau.It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.Below are the average annual and monthly renters insurance rates from various insurers in Oklahoma.CompanyAverage annual rateAverage monthly rateState Farm$210$18Shelter Insurance$266$22Oklahoma Farm Bureau$309$26Farmers$352$29AFR Insurance$397$33USAA*$230$19*USAA is only available to military community members and their families.Powered by: Renters insurance calculator in Oklahoma Select your state Oklahoma Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $266/year Estimated renters insurance rates in Oklahoma $22 Monthly renters insurance cost in Oklahoma 8% Compared to national average Get quotes Average cost of renters insurance in Oklahoma by coverage levelThe average annual cost of renters insurance in Oklahoma is $281, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $201 a year for renters insurance in Oklahoma. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.The table below shows the average annual renters insurance costs in Oklahoma for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$209$17$20,000 with $500 Deductible and $300,000 Liability$223$19$20,000 with $1,000 Deductible and $100,000 Liability$187$16$20,000 with $1,000 Deductible and $300,000 Liability$201$17$40,000 with $500 Deductible and $100,000 Liability$297$25$40,000 with $500 Deductible and $300,000 Liability$312$26$40,000 with $1,000 Deductible and $100,000 Liability$266$22$40,000 with $1,000 Deductible and $300,000 Liability$281$23$60,000 with $500 Deductible and $100,000 Liability$376$31$60,000 with $500 Deductible and $300,000 Liability$392$33$60,000 with $1,000 Deductible and $100,000 Liability$337$28$60,000 with $1,000 Deductible and $300,000 Liability$352$29Powered by:Average cost of renters insurance in Oklahoma by cityRenters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Oklahoma.Renters insurance rates in Oklahoma by citySee rates in your cityNormanTulsaAverage cost of renters insurance in Oklahoma by ZIP codeRenters insurance costs in Oklahoma vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.Most affordable ZIP codes for renters insurance in OklahomaIn Oklahoma, your ZIP code plays a major role in determining your premiums. Based on our data, 74954 is the most affordable ZIP code for renters insurance, with an average annual cost of $267.Comparing quotes from multiple insurers in Oklahoma is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate74954Roland$267$2274955Akins$267$2274945Marble City$267$2274946Moffett$267$2274931Bunch$267$2274960Bell$267$2274962Carlisle$267$2274936Gans$268$2274948Long$269$2274427Cookson$269$22Powered by:Least affordable ZIP codes for renters insurance in OklahomaAmong the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Oklahoma is 73118, with an average cost of $303 a year or $25 monthly.We analyzed quotes from multiple insurance providers across every ZIP code in Oklahoma. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate73118Oklahoma City$303$2573116Nichols Hills$302$2573104Oklahoma City$301$2573120Nichols Hills$300$2573071Norman$298$25Powered by:Final thoughts: Average renters insurance in OklahomaRenters insurance is a must-have for renters in Oklahoma. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.Shivani GiteContributing 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.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in OklahomaBest and cheapest homeowners insurance companies in OklahomaCost of Living in Oklahoma in 2025How much does condo insurance cost in Oklahoma in 2025? 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Most Americans don’t 1/1 Related Articles Highest cost of living states in the U.S. By Tonya Sisler Homeowners insurance calculator: Estimate the cost of getting homeowners insurance By Jessica Olson Condo insurance calculator: Estimate the cost of coverage By Jessica Olson Average homeowners insurance cost by ZIP code in 2026 By Barry Eitel Hurricane insurance costs in Florida: What you should expect By Sarah Sharkey Renters insurance calculator: How much renters insurance costs by state and city in 2026 By Shivani Gite On this page Average renters insurance cost in Oklahoma per monthAverage renters insurance cost in Oklahoma by companyAverage cost of renters insurance in Oklahoma by coverage levelAverage cost of renters insurance in Oklahoma by cityAverage cost of renters insurance in Oklahoma by ZIP codeFinal thoughts: Average renters insurance in Oklahoma ZIP Code Please enter valid ZIP See rates (844) 761-9316