Bixby has grown fast — and so have the risks that come with that growth. More traffic on Memorial Drive, more high-value homes in Gray Oaks and South County, more businesses along the 71st Street corridor. At Zoellner Insurance, we’ve been serving the Tulsa metro for years and we know exactly what Bixby residents need from an insurance agency: real advocacy, competitive rates, and someone who picks up the phone.
As an independent agency, we’re not tied to any single carrier. We shop AAA, Progressive, Safeco, Travelers, Liberty Mutual, Foremost, NatGen, Mercury, Openly and more on your behalf — every time, at every renewal. When rates go up with one carrier, we move you to a better deal without you lifting a finger.
Quick Answer
Zoellner Insurance is an independent insurance agency serving Bixby, OK and Tulsa County. Unlike captive agents tied to one company, we shop AAA, Progressive, Safeco, Travelers, Liberty Mutual, Foremost, NatGen, Mercury,Openly & more to find you the best rates on auto, home, life, renters, and business insurance. Call (918) 622-7560 for a free quote.
Most insurance agencies in the area are captive — they work for one company and can only offer you one price. If that price goes up at renewal, your only option is to leave on your own. Zoellner is different.
Because we’re independent, we work for you — not the carrier. When your renewal comes around, we re-shop your policy across our full carrier network automatically. You get the power of comparison shopping without the hassle of doing it yourself.
→ Compare carriers and get your free quote — call (918) 622-7560
Whether you’re commuting to Tulsa on the Creek Turnpike, running errands along Memorial Drive, or dropping the kids at Union Public Schools, your car is on the road every day. Oklahoma law requires minimum liability coverage of 25/50/25 — but Bixby drivers face real risks that make higher limits worth the small additional cost.
Oklahoma has one of the highest rates of uninsured drivers in the country at around 13%. If an uninsured driver hits you, minimum coverage won’t protect your medical bills or vehicle repairs. Uninsured motorist coverage costs just a few dollars per month and is one of the highest-value additions to any Oklahoma auto policy.
Based on 2026 market data, full coverage auto insurance in Bixby averages around $2,236 per year ($186/month) for a driver with a clean record, 100/300/100 liability limits, and $500 deductibles. State minimum liability-only coverage averages around $536 per year. Your actual rate depends on your age, driving history, vehicle type, and ZIP code within Bixby.
Lowest available full coverage in Bixby: Progressive at approximately $1,220/year on average. As an independent agency we compare Progressive alongside AAA, Safeco, Travelers, Liberty Mutual, Foremost, NatGen, Mercury, and Openly to find your personal best rate.
Oklahoma requires 25/50/25 — $25,000 per person in bodily injury, $50,000 per accident, $25,000 in property damage. We recommend carrying at least 100/300/100 for real financial protection, plus uninsured motorist coverage.
Bixby is one of Tulsa County’s fastest-growing cities, with median home values above the state average — especially in established neighbourhoods like Gray Oaks, South County, and Charlee Estates. That growth brings higher replacement costs, and Oklahoma weather makes adequate coverage non-negotiable.
Bixby sits in the heart of Tornado Alley. Hailstorms can total a roof in minutes, and the Arkansas River corridor creates flood exposure for properties near Bixby’s western edge. A standard homeowners policy covers wind and hail damage but typically does not include flood — we’ll help you identify whether your property needs a separate flood policy through the National Flood Insurance Program (NFIP).
Home insurance in Tulsa County generally ranges from $2,400 to $4,800 per year, depending on your home’s age, roof condition, square footage, and credit score. Oklahoma homeowners pay more than the national average due to the state’s frequent wind and hail claims. The single biggest discount available: installing an impact-resistant roof, which can reduce premiums by 20-30% with many carriers.
If you live in Gray Oaks, South County, or Charlee Estates, standard dwelling coverage may not fully cover rebuilding costs after a total loss. We offer extended replacement cost and guaranteed replacement cost policies for high-value homes — ensuring you’re never underinsured when it matters most. Openly and Travelers are two of our carriers that offer strong high-value home products in Tulsa County.
Bundling your home and auto policies with the same carrier is the fastest way to reduce your total insurance bill. Most carriers offer 15-25% multi-policy discounts, and managing both through a single Zoellner agent means simpler renewals, one point of contact, and consistent coverage review every year.
We compare bundled rates across AAA, Progressive, Safeco, Travelers, Liberty Mutual, Foremost, NatGen, Mercury, and Openly to find the combination that saves you the most — without sacrificing coverage quality.
Life insurance is the foundation of any financial plan — especially for Bixby families with mortgages, young children, or a business to protect. At Zoellner, we compare term, whole, and universal life policies from top Oklahoma-licensed carriers to find coverage that fits your budget and goals.
Mobile and manufactured homes require specialised coverage — standard homeowners policies don’t apply. Oklahoma’s severe weather makes this coverage especially important: a single hailstorm or tornado can cause catastrophic damage to a mobile home that would cause only minor damage to a site-built structure.
We work with Foremost and other carriers that specialise in manufactured home coverage, with options for dwelling protection, personal property, liability, and additional living expenses.
Bixby’s commercial corridor along Memorial Drive is growing rapidly — restaurants, retail, contractors, and professional services are all expanding. Whether you run a small shop, a construction company, or a professional practice, a single uninsured incident can cost more than your annual revenue.
We build custom business insurance policies for Bixby businesses of every size, combining the coverages you need into the most cost-effective structure available across our carrier network.
At Zoellner Insurance, we cover every part of your lifestyle:
Motorcycle Insurance – Ride with confidence and protection for you and your bike.
Boat & Watercraft Insurance – Covers theft, damage, and liability while on the water.
Pet Insurance – Helps with unexpected vet bills and routine care.
Bundle your motorcycle, boat, or pet insurance with your home or auto for additional savings.
Full coverage in Bixby averages around $2,236 per year ($186/month) based on 2026 market data. State minimum liability-only coverage averages $536/year. Rates vary by age, driving record, vehicle, and coverage level. Progressive currently offers the lowest average full-coverage rate in Bixby at approximately $1,220/year. As an independent agency, we compare Progressive alongside AAA, Safeco, Travelers, Liberty Mutual, Foremost, NatGen, Mercury, and Openly to find your personal best rate.
Oklahoma requires 25/50/25 — $25,000 per person in bodily injury liability, $50,000 per accident, and $25,000 in property damage liability. These are the legal minimums; most insurance professionals recommend at least 100/300/100 for adequate real-world protection.
Yes. Zoellner Insurance actively serves Bixby and surrounding Tulsa County communities including Jenks, Broken Arrow, Owasso, Sapulpa, and Sand Springs. Our office is at 3702 E 51st Street, Tulsa, OK 74135 — just minutes from Bixby. We quote and service policies remotely or in person. Call (918) 622-7560.
The biggest single discount available to Oklahoma homeowners is installing an impact-resistant roof — carriers can reduce premiums by 20-30%. Bundling your home and auto with the same carrier typically saves 15-25%. You can also ask about the Oklahoma Strengthen Oklahoma Homes grant, which helps offset the cost of a fortified roof.
No. Standard homeowners policies do not cover flood damage. If your Bixby property is near the Arkansas River or in a designated flood zone, you likely need a separate flood insurance policy through the National Flood Insurance Program (NFIP). We can help you determine whether your property needs flood coverage.
As an independent agency, we work with AAA, Progressive, Safeco, Travelers, Liberty Mutual, Foremost, NatGen, Mercury, Openly, and more. This means we compare prices across the market at every renewal — not just offer you one company’s rate.
We write insurance throughout the Tulsa metro and across Oklahoma. If you live near Bixby, we also serve:
Whether you need auto, home, life, renters, mobile home, or business insurance in Bixby, OK — Zoellner Insurance will compare rates across AAA, Progressive, Safeco, Travelers, Liberty Mutual, Foremost, NatGen, Mercury, and Openly to find you the best coverage at the best price.
Call us: (918) 622-7560 Office: 3702 E 51st Street, Tulsa, OK 74135 Serving: Bixby, OK 74008 | Tulsa County | All of Oklahoma
Fill out the quote form on this page and a local agent will be in touch within one business day.
This site serves residents of the AAA Club Alliance service area which includes Greater Hartford, CT Area, Cincinnati Tri-State Area, Miami County, OH, Greater Dayton, OH Area, Northwest Ohio, AAA Blue Grass & Bluefield Regions, Southern West Virginia, Kansas, Oklahoma, South Dakota, Delaware, Maryland, Washington DC, and parts of Virginia, Pennsylvania, and New Jersey. Write Us: AAA Club Alliance, One River Place, Wilmington, DE 19801
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