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Best Tulsa Homeowners Insurance Quotes (2025)

Allstate, Chubb, and State Farm offer the best homeowners insurance policies in Tulsa, Oklahoma.

Taylor Milam-Samuel
Written byTaylor Milam-Samuel
Taylor Milam-Samuel
Taylor Milam-Samuel

  • 8+ years writing for major outlets, including MarketWatch and Business Insider

  • Master’s in Education

Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.

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Sara Getman
Edited bySara Getman
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

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The average annual cost of home insurance in Tulsa is $5,299 for a $300,000 policy with a $1,000 deductible. Standard homeowners insurance policies include coverage for tornadoes — a necessity in Oklahoma — but you typically need to pay a pricey wind and hail deductible when you file a claim. Floods and earthquakes aren’t included in standard coverage, but they’re common add-ons.[1]

Here’s what you need to know about finding home insurance in Tulsa.

Quick Facts

  • Tulsa homeowners pay some of the cheapest insurance rates in the state, but due to tornadoes, their rates are still nearly twice as high as the national average.

  • A wind and hail deductible is between 1% and 5% of your coverage limit.

  • In Tulsa, a $300,000 policy with a $500 deductible costs $5,362 per year, on average.

Best home insurance companies in Tulsa

Considering your home’s features, the location, the value, and your priorities can help you find the best home insurance company for you. It’s also important to look at discounts, customer service ratings, and the financial stability of an insurer.

To help get you started, the following insurers are some of the strongest companies in Tulsa.

Best company for cheap rates: Allstate

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
631
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$156/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$176/mo

Allstate is a top pick for budget-conscious homeowners since it has the most affordable coverage in Tulsa. Plus, you can use discounts to get the cost even lower. That said, the low rates might come at a price, as the company earned a below-average score for customer satisfaction in the J.D. Power 2024 U.S. Home Insurance Study.

Fortunately, the claims process is simple. You can file online, in the app, or on the phone — and Allstate’s app is highly rated.

Pros

  • Cheapest rates in Tulsa

  • Many discounts available

Cons

  • Low J.D. Power score for customer satisfaction

  • Higher-than-average number of complaints with the National Association of Insurance Commissioners (NAIC)

Best company for customer experience: Chubb

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.8/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
688
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$388/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$667/mo

Chubb scores high for customer satisfaction, and complaints are much lower than average, making it the best pick for customer experience. The company also standardizes coverage that most companies charge extra for, including replacement costs, additional living expenses, cash settlement, and risk consulting.

But you must work with an agent to set up coverage and get a quote, which might be a dealbreaker for some homeowners. The pricing is average — it’s more expensive than some options, but cheaper than others.

Pros

  • Includes extra protection for free

  • High J.D. Power score for customer satisfaction

Cons

  • Can’t get coverage online

  • More expensive than some other insurers

Best company for tornado coverage: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
643
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$310/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$417/mo

State Farm policies in Oklahoma include tornado coverage with an extra deductible. While other insurers’ information about tornado coverage is difficult to find, State Farm is transparent about how it works.

State Farm’s rates are also affordable, even though it doesn’t offer as many discounts as other insurance companies. The company also has fewer add-on coverage options than some other companies.

Pros

  • Detailed tornado coverage

  • Affordable rates

Cons

  • Not many discounts available

  • Not as many extra coverage options as some insurers

  • Our editorial team analyzed regional and national home insurance companies that sell policies in Tulsa to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.

Cheapest home insurance companies in Tulsa

Tulsa homeowners pay much more than the national average, but it’s still easy to find affordable coverage. Allstate is the cheapest home insurance company in Tulsa. You can also find cheap coverage from State Farm and Oklahoma Farm Bureau.

The table below shows the cheapest home insurance companies in the city.

Insurance Company
sort ascsort desc
Average Annual Premium
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Allstate $2,814
Armed Forces Insurance Exchange$3,140
State Farm$3,532
Oklahoma Farm Bureau$4,553
Shelter$4,601
Farmers$4,793

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How much is home insurance in Tulsa?

Home insurance costs an average of $5,299 per year in Tulsa — more than double the national cost of homeowners insurance. Oklahoma is part of “Tornado Alley” in the Midwest, and the frequency of windstorms increases the price.[2]

You might pay more or less than the average, depending on your credit history, claims history, deductible, and home features. The amount of coverage you have also affects the cost.

Cost of home insurance by dwelling coverage in Oklahoma

You pay more for home insurance when you have more dwelling coverage. But it also means you can access more money when you file a claim. The coverage limit is the maximum amount your insurance company pays when you file a claim.

For example, let’s say you have $150,000 of damage, but your coverage limit is $100,000. Your policy covers $100,000, not the remaining $50,000, so it’s important to buy the appropriate amount of coverage for your assets.

Here’s how much home insurance costs based on dwelling coverage limits in Oklahoma.

Coverage Limit
sort ascsort desc
Average Annual Premium
sort ascsort desc
$100,000$2,779
$200,000$4,444
$300,000$6,081
$400,000$7,762
$500,000$9,411

Cost of homeowners insurance by deductible amount

Your deductible is the amount you’re responsible for paying when you file a claim with your insurance company. Standard homeowner deductibles are often $500 or $1,000. You’ll have a separate deductible if you have additional coverages, like wind and hail coverage.

Your monthly premiums are higher with a low deductible since the insurer helps pay more of the claim. Here’s how your premium might fluctuate depending on your deductible amount.

Deductible Amount
sort ascsort desc
Average Annual Premium
sort ascsort desc
$500$5,362
$1,000$5,299

Average cost of home insurance in other cities in Oklahoma

Where you live — including your state, city, and ZIP code — affects how much you pay for home insurance. The location of your home determines the risk of natural disasters like tornadoes and floods, and insurers charge more when the risk is greater.

Tulsa homeowners pay some of the lowest home insurance rates in the state. Here’s how the city compares to other locations in Oklahoma.

City
sort ascsort desc
Average Annual Premium
sort ascsort desc
Ardmore$5,760
Broken Arrow$5,498
Edmond$6,720
Enid$5,596
Norman$6,918
Oklahoma City$6,776
Owasso$5,282
Sapulpa$5,918
Tulsa$5,299
Yukon$7,043

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What to know about owning a home in Tulsa

Real estate in Tulsa is affordable, and the cost of living is surprisingly low in Oklahoma. But home insurance is more than twice as expensive as the national average because of tornadoes. The good news is that standard home insurance policies cover tornadoes with an extra wind and hail deductible.

The deductibles for tornadoes are usually 1% to 5% of your coverage limit. For example, let’s say you have a coverage limit of $300,000 with a 2% wind and hail deductible. You’re responsible for paying $6,000 when you file a claim for damage from a tornado.

It’s a good idea to understand how your tornado coverage works and how much you must pay when you file a claim.

Tulsa home insurance FAQs

Home insurance is mandatory for most homeowners with a mortgage, and it’s crucial in Tulsa to help protect against tornadoes. Here are answers to common questions about how it works.

  • Tulsa home insurance costs about $441 per month, according to Insurify data. Policies include coverage for tornadoes, but they usually come with a pricey wind and hail deductible that’s separate from the standard one.

  • Allstate has the cheapest homeowners insurance in Tulsa, with an average annual cost of $2,814. Comparing home insurance quotes to find the lowest rate is one of the best ways to find the best deal.

  • The 80% rule in homeowners insurance is an industry norm. It states that coverage protects at least 80% of your home’s value. If you have less than 80%, the insurance company might pay less of your claim.[3]

  • Homeowners insurance with a $350,000 coverage limit costs an average of $6,922 per year in Oklahoma. But your home’s ZIP code, the structure’s cost, and the land’s value determine how much you pay for an insurance policy.

    For example, let’s say your home costs $350,000. The land is worth $150,000, and the cost of rebuilding the house is $200,000. You’d only need $200,000 of coverage, which costs an average of $4,443 in Oklahoma.

  • Oklahoma home insurance is expensive because of the frequency of tornadoes. The state is located in Tornado Alley, a group of Midwest states with the highest risk for tornadoes. Home insurance companies charge more for coverage to offset the risk.

Sources

  1. III. "Understanding your insurance deductibles."
  2. Oklahoma Insurance Department. "Tornadoes and Severe Storms FAQs."
  3. NAIC. "A Consumer's Guide to Home Insurance."
Taylor Milam-Samuel
Taylor Milam-Samuel

Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.

Taylor has been a contributor at Insurify since February 2023.

Learn More
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Sara Getman
Edited bySara GetmanAssociate Editor
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.

Read Editorial Guidelines

View Full Bio

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