Tulsa Homeowners Insurance

The Zebra
Aug. 26, 2019

Find affordable homeowners insurance in Tulsa


A critical consideration for every homeowner should be home insurance. Fire, vandalism, theft, and wind damage are just some of the perils for which homeowners coverage can protect your dwelling and personal property. With the relative frequency of such incidents -- and the high cost of rebuilding or repairing a home -- obtaining homeowners insurance is a wise investment.

What you pay for homeowners insurance factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. Location also plays a role in determining the price of your homeowners insurance policy. In areas prone to perils like hail, frozen pipes, volcanoes, or fire, home insurance policies may be more expensive to account for the extra risk. Discover more information about what a home insurance policy covers.

If you want to find cheap home insurance in Tulsa, start with shopping around and comparing different policies. Take a look at the summary below showing average homeowners insurance rates in Tulsa to begin your home insurance search with as much knowledge as possible. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.


Tulsa, Oklahoma, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Homeowners insurance in Tulsa by insurance company

What you pay for homeowners insurance in Tulsa will depend on the insurance company you get your policy through. The most affordable home insurance in Tulsa is Safeco offering average annual rates at just $1,855 per year. This is considerably cheaper than the city’s average homeowners premium of $3,597.

Below you'll find a list of the cheapest homeowners insurance companies in Tulsa, Oklahoma to help you begin your search.


AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN TULSA
CompanyAverage Annual Rate
Safeco$1,855
Farmers$2,000
State Farm$2,231
American National$2,252
Oklahoma Farmers Union$2,821

Average homeowners insurance costs in Tulsa by coverage level

Your chosen level of homeowners coverage determines the insurance premiums you pay . Homeowners in Tulsa who carry $200K in dwelling coverage pay an average of $2,624 per year, while those with coverage up to $400K pay around $4,721 per year.


HOMEOWNERS INSURANCE RATES IN TULSA — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$2,624
$400K Dwelling$4,721

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Tulsa home insurance prices by ZIP code

Home insurance premiums can vary depending on what part of Tulsa in which you live. Policies are often priced on local variables such as the number of claims filed in the immediate area, meaning the neighborhood in which you live could have a major impact on how much you pay to insure your home.

The cheapest home insurance rates in Tulsa are available in 74104. In 74104, the typical home insurance policy costs $3,474 per year — $123 less than the citywide average in Tulsa. If you’re looking for the areas with the most affordable homeowners premiums in Tulsa, have a look at the table below.


AFFORDABLE ZIP CODES FOR HOMEOWNERS INSURANCE IN TULSA
ZIP CodeAverage Annual Home Insurance Rate
74104$3,474
74112$3,486
74114$3,492

Some parts of Tulsa, however, are prone to home insurance rates that are higher on average. These areas could be more prone to perils such as theft, severe weather, or fires that present more risk for insurance companies. The most expensive ZIP code for homeowners insurance in Tulsa is 74131, where the average annual rate is $3,826.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN TULSA
ZIP CodeAverage Annual Home Insurance Rate
74131$3,826
74132$3,743
74137$3,724

Money-saving tip: bundle home and auto insurance in Tulsa

If saving money is something you're concerned with, it might be worth insuring your home and auto through the same insurance company. Bundling home and auto insurance can be a good money-saving option. In fact, bundling policies in Tulsa leads to average annual savings of 11%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN TULSA
CompanyAvg. Annual Auto Insurance Rate (Bundle)
State Farm$1,201
GEICO$1,267
Farmers$1,332
Oklahoma Farm Bureau$1,573
Progressive$1,718

A great way to save on insurance is to bundle your home and auto policies with the same insurance company. Call 855-493-9728 to speak with an insurance expert today.


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