Tulsa Insurance Rates:

Tulsa, OK home insurance is nearly $1,257 to $1,702, about $104-$141/month. Our complete analysis shows customers can save as much as $592 by getting multiple quotes

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Tulsa Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $940/5 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $80,000

2 Beds, 2 Bath 1070 sqft Vacation Property Constructed In 1960 with Stone Flooring, Membrane Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $10070/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $280,000

4 Beds, 4 Baths 2960 sqft Seasonal Residence Constructed In 1981 with Hardwood Flooring, Asphalt Shingles Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Central Air Conditioning, Deadbolt Locks, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Married Female who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $3570/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $225,000

5 Beds, 5 Baths 2380 sqft Rental Property Constructed In 1978 with Ceramic Tile Flooring, Composition Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Smoke Alarm, Central Air Conditioning, Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Divorced Female who has a Full Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $1100/2 months for $175,000-$200,000 Coverage
Policy Holder Home Details :

Home Value : $170,000

4 Beds, 4 Baths 2936 sqft Primary Residence Constructed In 1971 with Stone Flooring, Wood Shake Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Swimming Pool, Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

37 Years old Married Male who is a Freelancer with household income of $100-$150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $330/3 months for $100,000 Coverage
1100 sft house worth $120,000 with 2 bedroom 1 bath, Custom kitchen with high end cabinets, appliances and granite. Built in 1941 but with Brand new roof, electrical, newer energy efficient windows and hvac unit, refinished hardwood floors, 2 car garage with electric door.
I work from home mainly. We have a young child & a large part of the way through our mortgage. Stable job & good credit.
Home Insurance Rate of $738/6 months for $180,000 Coverage
My condo is recently built & the building material and everything else that could reduce the risk of any hazards is top class according to me.
I have a cat & I am a single woman who has a a decent credit score.

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Tulsa Rates & Quotes Analysis:

Tulsa Area Estimated House Insurance
E Jacksonville St, E 163rd Pl, S 101st Ave E, S 3rd Ave, S 147th East Ave, W Waco St, Silver Oak Pl, S Trenton Ct, E 29th St N, E 34th St S$1,483
W Birmingham Pl, N 8th Pl, 57th St S, E 3rd Ave, E 122nd Pl, E 36th Ct, W Los Angeles Cir, E 74th Ct, W Indianapolis St, S 165th West Ave$1,512
W Freeport Cir, E 63rd Ct, E 117th St S, N 126th East Ave, N 101st East Ave, S 177th W Ave, N 70th East Ave, E 61st St N, S Newhaven Ave, N Gilcrease Museum Rd$1,414
N 27th St, W el Paso St S, Turnberry Dr, S 108th E Pl, Maplewood, N 109th Ave E, Okmulgee Expy, W Plymouth Pl, W Easton St, W 34th St S$1,500
S 138th East Ave, E 61st Ct N, N 66th E Ave, E Hartford St, W Delmar St, S Union Pl, N Walnut St, S 56th W Ave, W 68th Pl S, N 123rd East Ave$1,387
E 73rd St N, N Butternut Pl E, N 100th Ave E, S Sandusky, N 6th Pl, S Newhaven Ave, W Oak St, W Los Angeles Pl, 131st E Ave, W 34th St S$1,504
N Hemlock Ave, E Broken Arrow Expy, E Laredo Pl, S Walnut Creek Pl, W Roanoke Ct, S Laurel St, W Oakridge St, Redbud Dr, N 43rd East Ave, E Quinton St$1,485
E 43rd St N, S 186th E Ave, E 102nd Cir, W 20nd Pl, S Jamestown Pl, E 139th St S, N 75th East Ave, S 148th East Ave, S 162nd E Ave, N Florence Ave$1,569
N Toledo Ave, E 78th Pl S, E 81st Pl, N 70 E Ave, 112th St S, S 16th St E, Valley Dr, W Concord Cir, W Albuquerque St, W 61st Pl S$1,517
S Quincy Pl, S 74th West Ct, E 75th St N, N 130th E Ave, E Woodrow Pl N, W Hartford St, E 33 St, W Delmar St, N 140th E Ave, 140th Ct N$1,544

Insurance rates are influenced by a number of factors including:

  • Year Built: 39,495 Homes (15% of total homes ) built between 1980 to 1989 in Tulsa are paying home insurance between $2,209-$2,231. Places close to Tulsa, OK such as Jenks, Broken Arrow, Owasso are more expensive by $66, $23, $25 respectively while Oakhurst and Turley are cheaper by $105 and $132 respectively for similar homes.
  • Bedrooms: 112,599 3 bedrooms homes (44% of total homes ) in Tulsa are paying about $1,494. Areas near to Tulsa such as Jenks, Broken Arrow, Owasso are costlier by $45, $16, $32 respectively whereas Oakhurst and Turley are more economical by $70, $75 respectively for similar homes.
  • Auto Insurance Bundling: 64,763 Households (46% of all households) in Tulsa have 2 vehicles available and when it is bundled with home insurance you can save $296. Discounts for similar bundling in close by locations such as Tulsa County, Oakhurst, Turley come to $296, $282, $278 respectively.
  • Senior Discounts: 65,034 seniors (more than 55 years) occupied housing units (46% of total) in Tulsa get discounts between $221 to $224 compared to Tulsa County ($222), Oakhurst ($211), Turley ($208).
  • New Homes discounts: New homes such as the 94,804 homes built between 2000 to 2009 in Tulsa can save $296 and similar new home insurance discounts in nearby towns and cities like Tulsa County, Oakhurst and Turley are $296, $282 and $278 respectively.

Tulsa Homeowners insurance Facts

  • Tulsa, OK has 138,694 owner occupied houses which is 60.7% of all units whereas Tulsa County, Oakhurst and Turley have 61.39%, 76.92% and 78.17% respectively.
  • Tulsa, OK homeowners yearly insurance price at $1,480 is 1.11% of the typical house value of $133,000 which is in contrast with 1.11% in Tulsa County, 2.14% at Oakhurst & 2.89% in Turley.
  • Homeowners in Tulsa, OK pay 8.46% of their income ($15,000 to $19,999) in insurance whereas homeowners in Tulsa County, Oakhurst and Turley pay 8.46%, 8.06% and 7.95% respectively.
  • Tulsa, OK’s insurance is 9.9% of monthly housing costs of $1,252/month, for owners with a mortgage compared to 9.87% in Tulsa County, 12.72% at Oakhurst & 12.66% in Turley. But, for households without a mortgage, insurance is 29.5% of costs ($418 in Tulsa, OK) in contrast with 29.72% in Tulsa County, 41.52% at Oakhurst & 43.45% in Turley.

Tulsa, OK Home Values & Insurance rates

For example, insurance for 11,993 Homes (9.0% of total homes ) valued between $200,000 to $249,999 in Tulsa, OK is about $2,501. Rates in nearby areas in such as Jenks, Broken Arrow, Owasso are cheaper by $566, $243, $256 respectively while Oakhurst and Turley are costlier by $2,321 and $3,999 respectively for similar homes.

Tulsa, OK Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 11,385 8.0% $266
$50,000 to $59,999 4,600 3.0% $577
$60,000 to $69,999 5,258 4.0% $710
$70,000 to $79,999 6,419 4.0% $828
$80,000 to $89,999 8,362 6.0% $932
$90,000 to $99,999 8,107 6.0% $1050
$100,000 to $124,999 19,783 15.0% $1213
$125,000 to $149,999 16,947 12.0% $1524
$150,000 to $174,999 14,822 11.0% $1805
$175,000 to $199,999 9,402 7.0% $2072
$200,000 to $249,999 11,993 9.0% $2501
$250,000 to $299,999 6,850 5.0% $3063
$300,000 to $399,999 7,510 5.0% $3892

Renters Insurance in Tulsa

  • Average Renters Insurance in Tulsa :  $269($22/month)

  • Median Gross Rent in Tulsa :  $730

  • Tulsa Renters Insurance to Median Rent Ratio:  3.01%

  • Average household size of renter-occupied unit :  2.31

Tulsa Renters Insurance as a Percentage of Rent

Tulsa Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 2,419 2.0% $367
$200 to $299 2,361 2.0% $817
$300 to $499 9,108 10.0% $1267
$500 to $749 31,353 36.0% $1942
$750 to $999 22,211 25.0% $2692
$1,000 to $1,499 14,763 17.0% $3817
$1,500 or more 3,268 3.0% $5467

Protective device discount in Tulsa Up to :  $40

Claims-free discount in Tulsa Up to :  $53

Tulsa, OK Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
74129 $99,900 $1,450
74112 $93,300 $1,440
74146 $92,600 $1,450
74116 $89,500 $1,450
74108 $86,800 $1,450
74128 $83,800 $1,440
74107 $81,300 $1,430
74127 $80,200 $1,430
74106 $62,100 $1,420
74115 $59,400 $1,420
74110 $53,200 $1,400
74126 $51,500 $1,400
74130 $48,200 $1,400
74137 $276,100 $1,630
74120 $209,700 $1,580
74136 $196,200 $1,590
74133 $175,000 $1,530
74132 $163,400 $1,530
74105 $158,100 $1,520
74135 $153,900 $1,510
74119 $153,300 $1,500
74131 $150,600 $1,530
74114 $144,700 $1,500
74104 $134,100 $1,500
74145 $121,100 $1,470
74134 $117,500 $1,480
74117 $106,700 $1,460