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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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How to get affordable renters insurance in Oklahoma

Renters insurance is an optional but important insurance coverage. It keeps your stuff safe in the event your rental property suffers damage from a common incident. A renters policy covers personal items in the event of fire or smoke damage, wind damage, theft or vandalism and a collection of other calamities.

Unlike auto insurance, renters insurance isn't governed by state legislation. Regardless, there are surprisingly large gaps in insurance pricing from state to state. Policy rates in a given state may vary depending on the number and total value of renters insurance claims in the state, and depend on the value of the belongings you're covering.

Getting renters insurance in Oklahoma is more expensive than the US average. The typical annual renters insurance rate in Oklahoma is $253, $69 more expensive than the average across America.

The easiest way to find a cheap renters insurance policy in Oklahoma is to compare rates from as many companies as possible. Find out typical renters insurance rates in Oklahoma by referencing the below data. Individual rates may vary depending on coverage options and the value of the items insured.

Jump to:
  1. Rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Bundling discounts
  5. Frequently asked questions

Renters insurance prices in Oklahoma by company

Renters insurance prices in Oklahoma will vary based on the insurance company you use. American National provides the most affordable renters policies in Oklahoma, at only $164 each year. This compares favorably to the state mean cost of $253, offering a 35% price cut on rates typical to the state.

Get a head start on looking for a renters policy by reviewing the best Oklahoma renters insurance carriers, listed below.

Company Average Annual Rate in Oklahoma
American National $164
State Farm $164
Safeco $193
Shelter $194
Travelers $204

Oklahoma renters insurance costs by city

Renters insurance rates in Oklahoma vary by city. Prices may depend on city-specific variables like the number of claims filed nearby, meaning your specific ZIP code impact how much you pay.

The most affordable renters insurance in Oklahoma is available in Muskogee. A typical renters insurance term in Muskogee costs just $248 per year — $5 less than the state average. Reference the below table to see the cheapest cities in Oklahoma for renters insurance.

City Average 12-Month Renters Insurance Rate
Muskogee $248
Claremore $249
Broken Arrow $249
Sand Springs $250
Bartlesville $251

Are you looking for renters insurance info for a particular city? Take a look at our breakdown of the most populous cities in Oklahoma.

  1. Oklahoma City
  2. Tulsa


Renters insurance in OK by coverage tier

The cost of your renters insurance depends on the amount of coverage you opt to carry. Common renters insurance tiers are $25,000 and $50,000 property coverage. In Oklahoma, the annual cost differential between these levels is about $113. If you can afford to insure your personal property at this additional expense, purchasing more coverage might not be a bad idea.

Coverage Level Average Annual Renters Insurance Rate in Oklahoma
$25K Property $197
$50K Property $310

Tip: bundle auto and renters insurance in Oklahoma

To trim a few dollars from your insurance costs, consider purchasing your renters and car insurance policies from the same company. A renters and auto insurance bundle in Oklahoma can lead to substantial savings on your auto insurance policy. Purchasing bundled policies in Oklahoma results in average annual savings of $92.


Avg. Annual Rate (No Bundle) Avg. Annual Rate (w/ Bundle) Annual Savings ($) Annual Savings (%)
$1,560 $1,468 $92 6%

Oklahoma renters insurance FAQs


Is renters insurance required 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.

What does Oklahoma renters insurance cover?

In Oklahoma, renters insurance will replace personal belongings should they be destroyed, lost, or stolen. Most policies will also provide liability coverage, medical payments to others, and will cover temporary housing costs should your home be uninhabitable.

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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.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.