Best renters insurance companies in Oklahoma

When choosing the best renters insurance company in Oklahoma, make sure you’re comparing on more than just price. We’ve compared quotes, coverage options and J.D. Power scores from all the major insurers in Oklahoma. Below is our list of best renters insurance companies in Oklahoma based on that analysis, with our score out of five. Note that USAA only offers coverage to military families.

CompanyAverage rating(out of 5)
State Farm4
USAA3.5
Farmers2
Data updated in 2024
Read our full methodology

Compare the best renters insurance companies in Oklahoma

Comparing quotes from multiple insurance carriers is one way to ensure you will get your money’s worth. There can be big differences in price between different renters insurance providers, so it pays to shop around. Ensure you buy from a company offering affordable renters insurance and consistent customer service.

To simplify your task, we have compared the carriers for Oklahoma residents based on their average rates and ratings from J.D. Power. Among the carriers surveyed, State Farm is the best renters insurance company in Oklahoma. It earned 844 out of 1000 from J.D. Power and has an average renters insurance rate of $231.

The table below offers a detailed comparison of renters insurance companies in Oklahoma.

CompanyJ.D. Power ScoreAverage Annual PremiumAM Best Ratings
State Farm844$231A++
USAA894$212A++
Farmers842$297A
Data updated in 2024
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How much is renters insurance in Oklahoma

Oklahoma residents pay an average of $262 a year for renters insurance, and the average monthly cost is $22. That’s for a policy with personal property coverage of $40,000, liability coverage of $100,000, and a deductible of $1,000.

What you pay for renters insurance will not be the same as a neighbor’s price because it depends on factors specific to each person: the property you want to insure, extra coverage options you add, and the deductible amount you choose.

“The number one thing that’s most important is to get good liability. A renter’s policy will default to $100,000 liability,” Josiah Hatch, an insurance pro with Bender Hatch Insurance in Boston, said. “It costs next to nothing to go from $100,000 to $500,000. I want to say it’s probably 10 bucks a year. It’s really cheap to get a lot of extra coverage. I always recommend getting the most liability you can because that’s, at its core, what insurance is all about: the worst-case scenario.”

Average Annual PremiumAverage Monthly Premium
$262$22
Data updated in 2024
Read our full methodology

Most expensive ZIP codes in Oklahoma for renters insurance

Several factors affect your renters insurance coverage cost in Oklahoma, including your location and the coverage you buy. The most expensive ZIP code in Oklahoma for renters insurance is 73118, where the average annual rate is $283 which is $21 more than the state average insurance premium.

The following table lists the most expensive ZIP codes in Oklahoma for renters insurance.

ZIP codeAverage Annual Rate
73118$283
73116$282
73104$281
73120$280
73013$278
73149$277
73129$276
73025$275
73163$274
73160$273
Data updated in 2024
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Least expensive ZIP codes in Oklahoma for renters insurance

Renters insurance rates in Oklahoma are cheaper in some areas. Based on a rate analysis by Insurance.com, the least expensive ZIP code for renters insurance in Oklahoma is 74954, and its average annual rate is $248.

Below, you’ll find the least expensive ZIP codes for renters insurance, along with their average annual rates.

ZIP codeAverage Annual Rate
74954$248
74931$249
74948$250
74964$251
74401$252
74437$253
74728$254
74001$255
74132$256
74068$257
Data updated in 2024
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Compare renters insurance rates by city in Oklahoma

Renters insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on renters insurance for your specific city in Oklahoma.

CityAnnual insurance premium
Broken Arrow
$254
Edmond
$276
Enid
$269
Lawton
$264
Midwest City
$275
Moore
$273
Norman
$273
Oklahoma City
$276
Stillwater
$268
Tulsa
$255
Data updated in 2024
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Cheap renters insurance in Oklahoma by company

There are a lot of companies offering renters insurance in Oklahoma. Among the carriers surveyed by Insurance.com, USAA is the cheapest renters insurance company in Oklahoma; its average annual premium is $212.

Renters insurance prices can vary drastically between companies. That’s why it is important to compare rates and see which company offers the best deal to get coverage at an affordable price.

Below are the best cheap renters insurance companies in Oklahoma and their average annual premiums.

Company NameAverage Annual Premium
USAA$212
State Farm$231
Shelter Insurance$254
Farmers$297
Oklahoma Farm Bureau$297
AFR Insurance$392
Data updated in 2024
Read our full methodology

Insurance.com compared renters insurance rates in 2022 provided by Quadrant Data Solutions for $40,000 personal property coverage with a $1,000 deductible and $100,000 liability coverage for all available ZIP codes based on a renter with good credit. Content was updated in 2023.

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