If you are renting an apartment or home in the Tulsa, one of the most common questions you likely have is: how much is renters insurance in Tulsa?
Renters insurance in Tulsa typically costs between $15 and $25 per month. While Oklahoma as a whole often sees higher premiums due to our severe weather – including wind, hail, and the ever-present risk of tornadoes – Tulsa remains relatively affordable compared to homeowners’ insurance rates.
Zoellner Insurance helps renters across Tulsa, Broken Arrow, Jenks, and surrounding Oklahoma communities compare affordable policies from AAA and other top-rated carriers. Whether you’re renting an apartment downtown or a home in South Tulsa, renters insurance protects your belongings and liability exposure at a surprisingly low cost.
What Is the Average Cost of Renters Insurance in Tulsa?
Based on current 2026 data, the average annual premium for renters in Tulsa is approximately $206 to $288 per year. When you break that down, most Tulsans are looking at a monthly bill of about $17 to $24.
While some basic “bare-bones” policies can be found for as low as $11 to $13 per month through providers like Chubb or Oklahoma Farm Bureau, those often come with minimal coverage limits and higher deductibles. On the flip side, comprehensive plans with higher property limits and added protection for high-value items can reach $30 to $35 per month.
Average Monthly Cost by Provider (Tulsa, OK)
As the official AAA insurance agency in Tulsa, Zoellner Insurance Agency provides unique access to AAA-branded policies while maintaining independence to shop and compare with dozens of other carriers.
| Insurance Provider | Average Monthly Premium (Est.) | Agent Status |
| AAA Insurance | $18 – $22 | Official Tulsa Agent |
| Safeco (a Liberty Mutual Co.) | $16 | Independent Partner |
| Travelers | $17 | Independent Partner |
| Progressive | $18 | Independent Partner |
| Nationwide | $20 | Independent Partner |
| Liberty Mutual | $21 | Independent Partner |
Note: Estimates are based on 2026 data for standard coverage of $25,000 in personal property and $100,000 in liability protection. Rates vary by ZIP code and individual credit score.
How Much Coverage Do I Actually Need for My Tulsa Rental?
When people search for cheap renters insurance in Tulsa, they often look for the lowest possible premium. However, the price you pay is directly tied to the “unit of value” or the amount of risk the insurance company assumes.
1. The “Minimum” Policy
A minimum coverage policy usually focuses on meeting the basic requirements often found in Tulsa lease agreements. This typically includes:
-
Liability Coverage: $100,000 to protect you if a guest is injured or you accidentally damage the building (e.g., a kitchen fire).
-
Personal Property: $10,000 – $15,000 in coverage.
-
Actual Cash Value (ACV): This pays out what your items are worth today (depreciated value).
2. The “Full” or Comprehensive Policy
For a few extra dollars a month, a full-coverage policy offers significantly better financial protection:
-
Replacement Cost Value (RCV): This is critical. It pays the cost to buy a new version of your stolen or damaged laptop, rather than giving you its depreciated five-year-old value.
-
Higher Property Limits: $30,000 to $50,000 for your belongings.
-
Loss of Use (Additional Living Expenses): If a tornado or fire makes your rental uninhabitable, this covers hotel stays and meals.
-
Scheduled Personal Property: Specialized coverage for expensive jewelry, musical instruments, or high-end electronics.
What Factors Influence Your Renters Insurance Cost?
In the world of insurance, your premium isn’t a random number. In 2026, several specific factors determine your rate in the 918 area code.
ZIP Code and Location
Where you live in Tulsa matters. Insurers look at “historical loss data” for your specific neighborhood.
Rates may vary slightly based on:
-
Crime statistics in your area
-
Building type (apartment vs. rental home)
-
Proximity to fire stations
-
Storm exposure and past claims activity
ZIP codes in midtown or downtown may have slightly higher premiums due to population density and crime rates. Conversely, suburban areas in Jenks or Broken Arrow may see slightly lower base rates.
Deductible Amount
Your deductible is what you pay out-of-pocket before insurance kicks in.
-
Lower Deductible ($500): Higher monthly premium (~$23/mo).
-
Higher Deductible ($1,000 – $2,000): Lower monthly premium (~$19/mo).
Choosing a higher deductible can reduce your monthly cost, but it means paying more if you file a claim. Tulsa renters often choose a $1,000 deductible to balance affordability and protection.
Your Credit-Based Insurance Score
In Oklahoma, most insurance companies use your credit history as a signal of financial responsibility. A higher credit score typically translates to lower insurance costs.
Safety Features
Does your apartment complex have a gated entry? Does your rental home have a monitored alarm system or deadbolt locks? These features reduce the risk of theft and fire, often qualifying you for small but meaningful discounts.
How to Get Cheap Renters Insurance in Tulsa
We are often asked how to get the best protection without overpaying. Here are three professional strategies we use at Zoellner Insurance to lower your costs:
1. Saving with the AAA Multi-Policy Bundle
Bundling is the single most effective way to save. Combining your renters insurance cost in Tulsa with your auto insurance can save you between 6.5% and 20% on your total premiums. In Oklahoma, this often results in an average annual saving of roughly $92 to $112.
As an independent AAA insurance agency, Zoellner Insurance compares bundle options across multiple carriers to help renters maximize savings.
2. Take a Higher Deductible
If you have an emergency fund of $1,000, consider moving your deductible to that amount. Increasing your deductible from $500 to $1,000 can reduce your monthly premium by 15% to 25%.
3. Ask About Professional or Alumni Discounts
Many carriers offer discounts for teachers, first responders, or graduates of specific universities (like TU or OSU). Always ask your agent to check for group affiliation discounts.
FAQ
Is renters insurance required in Oklahoma?
No, there is no state law in Oklahoma that requires you to have renters insurance. However, most Tulsa landlords and property management companies require it as a condition of your lease to protect against liability claims.
Does renters insurance cover tornado damage?
Yes. Standard policies in Tulsa cover your personal belongings if they are damaged or destroyed by wind or tornadoes. They also provide “Loss of Use” coverage to pay for temporary housing if your rental is destroyed.
Are roommates covered under one policy?
Generally, no. A standard policy only covers the individual named on the policy and their immediate family members. Roommates usually need to purchase their own separate policies to ensure their personal property is protected.
How do I know how much coverage I need?
The best way is to do a quick “home inventory.” Walk through your home and estimate what it would cost to replace your electronics, furniture, and clothing at current retail prices. Most Tulsans find that $20,000 to $30,000 is a safe starting point.
Why Local Renters Trust Zoellner Insurance
While we’re your AAA Tulsa agent, we operate as an independent agency to prevent you from being “locked in” to a single provider.
-
Official AAA Access: We are part of the AAA Club Alliance, providing direct access to AAA renters insurance, auto, home, and life policies alongside legendary roadside assistance.
-
Carrier Selection: We partner with over 20 top-rated carriers – including Progressive, Travelers, and Liberty Mutual – to ensure your rate is competitive across the entire market.
-
Local Expertise: Unlike a 1-800 number, we understand Tulsa-specific risks, from severe weather patterns to neighborhood-specific crime rates that big-box insurers often overlook.
-
Bundle Power: We specialize in finding multi-policy discounts, often saving our clients an average saving of $92 per year when bundling auto and renters insurance.
Ready to see your actual rate?
Don’t leave your belongings to chance. Whether you are moving into your first apartment or looking to lower your current rates, we can help.
Get a free, no-obligation Tulsa renters insurance quote today. We will compare AAA’s rates against Safeco, Travelers, and more to find your perfect fit.
