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How to find affordable homeowners insurance in Tulsa

Home insurance should be a critical consideration for every homeowner. Along with your personal belongings, homeowners insurance covers your dwelling in the event of many perils, including theft, fire, wind damage, and vandalism. Given the relatively frequent occurrence of these incidents and the sizeable cost of replacing a home, having a home insurance policy is a solid investment. A typical homeowners policy costs $300 per month in Tulsa, Oklahoma. This is almost triple the national average monthly payment.

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. The location of your dwelling can also play a large role in how much you pay for home insurance. Some geographic areas are susceptible to perils such as hail, wildfires, pipe freezes, volcanoes, and other hazards. These perils can lead to more expensive homeowners insurance rates. Discover more information about what a home insurance policy covers.

If you want to find cheap home insurance coverage in Tulsa, start with shopping around and comparing policies. Have a look at the summary below comparing average homeowners insurance premiums in Tulsa to help you get as much information as possible when you start your search for homeowners insurance. One thing to note is that the yearly cost of homeowners coverage is determined based on your chosen coverage limits as well as a number of other rating factors.

 
Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings

 

Tulsa home insurance by company

Tulsa homeowners insurance rates will vary depending on which insurance company you choose. 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.

Start your search for a home insurance policy by reviewing the cheapest homeowners insurance companies in Tulsa, Oklahoma, listed below. You can also check out our guide to the best home insurers which is based on the results of The Zebra's Customer Satisfaction Survey.

 
AFFORDABLE HOME INSURERS IN TULSA
Company Average Annual Rate
Safeco $1,855
Farmers $2,000
State Farm $2,231
American National $2,252
Oklahoma Farmers Union $2,821

 

Tulsa homeowners insurance prices by coverage level

The level of home coverage you select has an impact on your insurance rates. In Tulsa, carrying $200K dwelling coverage costs an average of $2,624, while carrying additional coverage up to $400K costs $4,634/year.

 
POPULAR COVERAGE LIMITS IN TULSA
Coverage Level Average Annual Rate
$100K Dwelling $1,547
$200K Dwelling $2,624
$250K Dwelling $3,099
$400K Dwelling $4,634

 

Tulsa home insurance rates by ZIP code

Depending on which part of Tulsa you live in, you may see vastly different home insurance costs. One of the factors that insurers use when pricing your policy is the number of claims filed in your surrounding area. As such, your neighborhood's location can drastically impact your home insurance premium.

If you're looking for the cheapest home insurance premiums in Tulsa, take a look at the 74104 ZIP code. In the 74104 area, homeowners policies typically cost just $3,474 per year on average — a full $123 less than the overall average for Tulsa. Find the best places to live in Tulsa for cheap home insurance by looking at the table below.

 
AFFORDABLE HOME INSURANCE AREAS IN TULSA
ZIP Code Average Annual Home Insurance Rate
74104 $3,474
74112 $3,486
74114 $3,492

Other parts of Tulsa, however, have home insurance rates that are higher on average. Such areas might face a higher danger of perils such as severe weather and fires. Similarly, they may also have a higher amount of crimes such as burglary or vandalism. With an annual average premium of $3,826, 74131 comes in as the most expensive ZIP code in Tulsa for homeowners coverage.

 
EXPENSIVE HOME INSURANCE AREAS IN TULSA
ZIP Code Average Annual Home Insurance Rate
74131 $3,826
74132 $3,743
74137 $3,724

 

Tulsa homeowners insurance deductibles

Among the many decisions homeowners face when purchasing homeowners insurance is where to set the deductible. The deductible is the total amount that the insured must contribute toward a covered loss. Where you choose to set your homeowners deductible corresponds directly to how much you pay in insurance premiums.

In general, having a lower deductible means that your insurance rates will be higher. Therefore, it might make sense to set a higher deductible if you aim to secure lower insurance rates. It's worth noting that your deductible should only be as high as you can reasonably pay if you actually suffer a loss.

Have a look at the normal deductibles offered by insurers and an estimate of average premiums.

 
HOME INSURANCE PREMIUMS BY DEDUCTIBLE LEVEL IN TULSA
Deductible Level Average Annual Home Insurance Rate
$500 $3,381
$1,000 $3,099
$1,500 $2,877
$2,000 $2,696
$5,000 $2,337

 

Home and auto insurance bundling in Tulsa

To save a little money, you might consider bundling your homeowners and auto insurance policies through the same company. Bundling homeowners and auto insurance can be a good money-saving option. By bundling your policies, Tulsa homeowners could see annual savings of 11% on average.

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

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Ross Martin photo
Ross MartinManager, Content Quality

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers make informed decisions.

Ross holds a master's degree from Royal Holloway, University of London and has a background in copywriting and education. As a former teacher, he applies his educational skills to explain insurance concepts in ways that consumers can understand.

Ross's work has been cited by The New York Times, AxiosInvestopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.