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Tulsa, Oklahoma, homeowners pay an average homeowner’s insurance of $1,635. This is comparatively higher than the state average premium of $1,489 and the national average premium of $1,438. However, Tulsa homeowners can use the various discounts provided by home insurance companies to reduce their home insurance rates.


Home insurance companies calculate home insurance rates based on the age of the home. Home insurance rates increase as the age of the home increases due to their propensity for damage. Newly built Tulsa homes receive discounts of up to $360 on home insurance rates. Homes that are older than 50 years attract an additional cost of $78 on their insurance rates. In Tulsa, the average home insurance rates of homes older than 30 years and 40 years are $1,660 and $1,678, respectively.

Home insurance companies provide special discounts to Tulsa homeowners based on their profession. Teachers, federal government employees, active and retired army personnel can avail of special discounts on homeowners insurance. Senior homeowners in Tulsa can avail of discounts of up to $229 on homeowners insurance.

Tulsa has a notorious property crime rate of 54.80 per 1,000 residents. It is safer than only 1% of the remaining cities in the U.S. Specifically, Tulsa has a burglary rate of 12.00 per 1,000 residents, with 4,807 reported incidents. The chance of becoming a victim of property crime in Tulsa is 1 in 18. Homes with enhanced security features are less prone to burglaries and damage. Hence, home insurance companies encourage homeowners to install home safety devices by offering discounts as incentives. For instance, Tulsa homes with deadbolts and fire extinguishers can avail of discounts of $229 and $131, respectively, on home insurance rates. Additionally, homes with burglar alarms and smoke detectors receive a discount of $147 and $131, respectively, on homeowners insurance.

While most of the factors that determine home insurance rates are not under the control of homeowners, they can take maximum benefit by choosing a higher deductible to reduce their home insurance rates. Tulsa homeowners opting for a high deductible of $2,500 can avail of a discount of $461 on homeowners insurance. Tulsa homeowners pay an average home insurance rate of $1,249 and $1,376 on deductibles of $2,000 and $1,500.