Tulsa Insurance Rates:

Tulsa ,OK Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Tulsa, OK homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Tulsa, OK is $2647. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Tulsa, OK: Customer-Reviewed Options


Tulsa, OK Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Tulsa, OK. VHome Insurance will help you navigate the world of homeowners insurance coverages in Tulsa, OK.

Coverage Level Average Annual Premium
$100,000 $1,059
$200,000 $1,800
$300,000 $2,223
$400,000 $3,388
$500,000 $4,262


Tulsa, OK Homeowners Insurance Rates by ZIP Code

Home insurance costs in Tulsa can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
074129 $3,377
74112 $3,389
74146 $3,357
74116 $3,339
74108 $3,346
74128 $3,316
74107 $3,339
74127 $3,326
74106 $3,282
74115 $3,257
74110 $3,250
74126 $3,242
74130 $3,259
74137 $3,855
74120 $3,828
74136 $3,676
74133 $3,586
74132 $3,628
74105 $3,720
74135 $3,542
74119 $3,542
74131 $3,489
74114 $3,632
74104 $3,515
74145 $3,411
74134 $3,481
74117 $3,403


Tulsa, OK Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Tulsa, OK, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $2,714
$1000 Deductible $2,427
$1500 Deductible $2,290
$2500 Deductible $2,065
$5000 Deductible $1,747



Top Home Insurance Agents Near Tulsa, OK

Home Insurance Company Near Tulsa, OK Homeowners Insurance Agency Near Tulsa, OK Address
NA Bancfirst Insurance Services 5591 S Lewis Ave, Tulsa, OK, 74105
Farmers Keith Ewing 10159 E 11th St Ste 420, Tulsa, OK, 74128
State Farm Ken Shoemaker 10115 S Sheridan Rd Ste D, Tulsa, OK, 74133-6765
Allstate Nick Henderson 624 S Aspen Ave, Broken Arrow, OK, 74012
Travelers Wilcox & Mcgrath Ins 5591 S Lewis, Tulsa, OK, 74105

Tulsa, OK Home Insurance Agents for Top Companies


Tulsa, OK Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Tulsa County, Oklahoma $222 $296 $444
Oakhurst CDP, Oklahoma $212 $282 $423
Turley CDP, Oklahoma $209 $278 $417


Tulsa, OK Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Tulsa, OK9.9%29.5%
Tulsa County9.87%29.72%

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

Cost Of Homeowners Insurance By Street Near Tulsa, OK

Streets in Tulsa Area Homeowners Insurance Cost
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

Tulsa, OK Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Tulsa$221 to $224
Tulsa County$222

Average Cost Of Home Insurance By Company In Areas Nearby Tulsa For Different Scenarios

Home value ($) Construction type Company premium ($)
70,000 to 100000 FRAME American National Property & Casualty Co. 2,101
150,000 to 200000 Masonry Allstate Prop & Cas Ins Co 3,663
150,000 to 200000 Masonry Allstate Prop & Cas Ins Co 3,707
100,000 to 150000 Frame Oklahoma Farm Bureau Mutual Insurance Co. 2,569
70,000 to 100000 Masonry Oklahoma Farm Bureau Mutual Insurance Co. 1,848
100,000 to 150000 Frame Property & Casualty Ins. Co. Of Hartford 3,786
70,000 to 100000 Frame Property & Casualty Ins. Co. Of Hartford 2,655
100,000 to 150000 Frame Shelter Mutual Insurance Co. 2,806
100,000 to 150000 Frame Usaa Casualty Insurance Co. 1,850


Tulsa, OK Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Tulsa Homeowner Insurance Premium Example $4,300$2,800
Out of Pocket Expense During Claim$600$9,600
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $30,700$29,200
Net Savings to Tulsa Home Owner from High Deductible Plan $1,500


Tulsa, OK Home Insurance Costs With Home Replacement Value Scenarios

Scenario Tulsa, OK Home Replacement Value MORE than Home Value Tulsa, OK Home Replacement Value LESS than Home Value
Replacement Value $97,000 $62,500
Insurance Premium based on Replacement Value $4,125 $2,650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $12,000 Risk Exposure from Under Insuring Coverage is $22,500
Premium Impact Insurance cheaper by $950/year Insurance costlier by $525/year


Example Tulsa Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateChubb Group of InsuranceFarmers Insurance
Monthly Premium 1071320469
Year Built 196419962010
Home Details 5 Beds, 4 Baths4 Beds, 1 Baths3 Beds, 2 Baths
Coverage Amount $350000-$400000$125000-$150000$125000-$150000
Deductible $500 Deductible$500- $1000 Deductible$500 Deductible