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Renters insurance may be optional, but it's important. It helps to protect your belongings in the event your rental property sustains damage. A renters policy covers your belongings from fire, smoke damage, a wind storm, vandalism, theft, and a collection of other events.
Unlike auto insurance, renters policies aren’t priced based on state-level legislation. That said, there are sometimes substantial variations in renters pricing by state. Renters insurance rates in US states diverge based on the number of — and value of — renters insurance claims made statewide, and also on the value of the belongings being insured.Getting renters insurance in Oklahoma is more expensive than the national average. The average annual cost of renters insurance in Oklahoma is $253, $69 more expensive than the national average.
The easiest way to acquire an affordable renters insurance policy in Oklahoma is to compare rates and consider policies from a variety of insurance companies. Learn more about how much renters insurance costs in Oklahoma by referencing the below tables. Remember: your rates will vary, depending on your coverage limits and the valuation of your belongings.
Renters insurance prices in Oklahoma vary depending on which insurance company you choose. American National offers the best deal on renters insurance in Oklahoma — only $164 per year. This compares favorably to Oklahoma's average cost of $253, providing a 35% discount on the typical rates in the state.
Start searching for a renters policy by checking out the cheapest Oklahoma carriers, detailed below.
| Company | Average Annual Rate in Oklahoma |
| American National | $163.53 |
| State Farm | $164.07 |
| Safeco | $192.95 |
| Shelter | $193.50 |
| Travelers | $204.08 |
Renters insurance rates in Oklahoma differ by city. Pricing depends on city-specific variables like the number of local claims filed, lending your ZIP code plenty of weight in deciding how much you pay.
The cheapest renters insurance rates in Oklahoma are in Muskogee. A typical renters insurance term in Muskogee costs just $248 annually — $5 less than the state average. The below cities have the most affordable renters insurance in Oklahoma.
| City | Average 12-Month Renters Insurance Rate |
| Muskogee | $248 |
| Claremore | $249 |
| Broken Arrow | $249 |
| Sand Springs | $250 |
| Bartlesville | $251 |
If you want to save on insurance, consider purchasing your renters and auto policies from the same insurance company. A renters and car insurance bundle in Oklahoma can lead to substantial savings on your auto insurance bill. Purchasing bundled policies in Oklahoma results in a yearly discount of $92.
| Avg. 12-Month Auto Insurance Rate (No Bundle) | Avg. Annual Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,559.96 | $1,468.15 | $91.81 | 6% |
A great way to save is to bundle your renters and auto insurance policies. Compare rates today!
Are you looking for renters insurance information for a particular city? Take a look at our breakdown of major cities in Oklahoma.
Oklahoma is unique in that it explicitly prohibits landlords from requiring renters insurance. Known as the "Sutton Rule, " the state maintains that the tenant is a co-insured on their landlord's policy, therefore removing the need for what is considered duplicate coverage.
There are many carriers that sell renters insurance in Oklahoma. Your best bet is to shop around with as many companies as possible so that you can find the best coverage with the best rate.