When searching for best home insurance in Tulsa, Chubb stands out with a MoneyGeek score of 4.7 out of 5, offering reliable local agent support and competitive rates at $491 monthly. USAA earned the highest score at 5.0 for military families and veterans but didn't earn the No. 1 spot in our ranking because of its eligibility requirements. Our top five also includes USAA, State Farm, Allstate and Farmers.
Best Cheap Home Insurance in Tulsa, Oklahoma
Updated: February 25, 2026
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Compare the Best Home Insurance Companies in Tulsa
| Chubb | 4.65 | $491 |
| USAA | 4.95 | $347 |
| State Farm | 4.58 | $270 |
| Allstate | 4.35 | $244 |
| Farmers | 4.31 | $551 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
Our Top 3 Recommendations for Tulsa Homeowners Insurance
Chubb
Best for Tulsa Homeowners
MoneyGeek Rating
4.7/ 5
4.8/5Affordability
4.5/5Customer Experience
4.5/5Coverage
J.D. Power Customer Satisfaction Score
677/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Monthly Premium
$491Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible.
USAA
MoneyGeek Rating
5.0/ 5
4.9/5Affordability
5/5Customer Experience
5/5Coverage
J.D. Power Customer Satisfaction Score
737/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Monthly Premium
$347Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible.
State Farm
MoneyGeek Rating
4.6/ 5
5/5Affordability
4.2/5Customer Experience
4/5Coverage
J.D. Power Customer Satisfaction Score
657/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Monthly Premium
$270Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible.
How Much Does Tulsa Home Insurance Cost?
Tulsa homeowners pay an average of $545 monthly for home insurance with $250,000 in dwelling coverage, $125,000 in personal property and $200,000 in liability, compared to Oklahoma's average of $640 per month. Your actual premium varies based on your home's age, construction materials, proximity to wildfire zones and your chosen deductible amount.
Tulsa's location in Tornado Alley increases premiums through tornado risk assessments and flooding concerns from heavy rains and river proximity. These weather-related factors drive up costs because insurers face higher claim frequencies from severe storm damage and water-related losses.
| $100K Dwelling / $50K Personal Property / $100K Liability | $260 | $3,114 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $545 | $6,542 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $1,000 | $11,999 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $1,436 | $17,234 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $1,860 | $22,315 |
Who Has the Cheapest Home Insurance in Tulsa?
Allstate offers the lowest home insurance rates in Tulsa at $244 monthly, which saves homeowners 55% compared to Tulsa's $545 average. State Farm ranks second for affordability at $270 per month, providing a 50% discount from premiums while maintaining strong coverage options and local agent support.
| Allstate | $244 | -55% |
| State Farm | $270 | -50% |
| USAA | $347 | -36% |
| Shelter | $405 | -26% |
| Oklahoma Farm Bureau | $433 | -21% |
COMPARE COVERAGE, NOT JUST COST
Getting adequate coverage should be your top priority as a Tulsa homeowner, not just finding the cheapest rates. Look at customer satisfaction ratings, coverage limits and deductibles along with premiums to ensure you're getting real value. Find out about top providers in our best homeowners insurance companies in Oklahoma review.
How to Get the Best Cheap Home Insurance in Tulsa
Homeowners in Tulsa need to balance affordability with coverage that protects against local risks.
Compare quotes from multiple insurers
You should ask for quotes from at least three companies, since rates vary, with average monthly premiums ranging from $244 to $551 among top-rated Tulsa insurers.
Bundle home and auto policies
Most Tulsa insurers give 10% to 25% discounts when you combine policies, with companies like Allstate and State Farm providing multi-policy savings.
Maintain a strong credit score
Oklahoma insurers use credit-based insurance scores when calculating premiums, and improving your credit can lower rates over time.
Upgrade your home’s safety features
Installing monitored security systems, smoke detectors, fire sprinklers and storm shutters can qualify you for discounts of 5% to 20% depending on the improvements.
Best Home Insurance in Tulsa: Bottom Line
Tulsa's home insurance costs average $545 monthly, and rates range from $244 to $551 among leading insurers, depending on coverage needs. At $491 monthly, Chubb offers the best mix of affordability and service, while Allstate has the cheapest home insurance rates at $244.
Tulsa Home Insurance: FAQ
Common questions for Tulsa homeowners include what coverage they need and how to lower costs.
Does home insurance cover wind damage in Tulsa?
Tulsa's tornadoes and severe thunderstorms can cause wind damage, but standard home insurance policies cover such events. Policies cover roof, siding, window and structure repairs from wind damage, after you pay your deductible.
What doesn't home insurance cover?
Home insurance doesn't cover earthquakes, flood damage, normal wear and tear and damage from lack of maintenance. Tulsa homeowners near Arkansas River near Tulsa, Oklahoma or in flood-prone areas should purchase separate flood insurance through the National Flood Insurance Program.
Is home insurance required in Tulsa?
Oklahoma doesn't legally require home insurance, but lenders require coverage until you've paid off your mortgage. Even without a mortgage, homeowners should keep insurance to protect against financial losses from tornadoes, severe storms and flooding common in Tulsa.
What discounts are available for Tulsa homeowners?
Tulsa homeowners save by bundling home and auto policies (10% to 25% off), installing security systems (5% to 15% discount), upgrading to fire-resistant roofing materials (up to 20% savings), and maintaining a claims-free history for three or more years.
Our Methodology: Determining the Best Cheap Home Insurance Companies in Tulsa
We analyzed premium data from Quadrant Information Services for 10 major insurers serving Oklahoma, then evaluated their coverage options and customer experience to identify companies with the best combination of affordability, financial strength and service for Tulsa homeowners.
Our base profile used a 2,500-square-foot home built in 2000 with $250,000 dwelling coverage, $125,000 personal property coverage and $200,000 liability coverage. All policies included a $1,000 deductible to make sure we compared rates accurately. We also analyzed rates for newly constructed homes, increased dwelling coverage limits, higher deductibles of $2,500 or $5,000 and homeowners with poor credit scores to understand how insurers price coverage across different risk profiles.
We combined affordability scores (weighted 55%), customer satisfaction data from J.D. Power surveys and customer reviews (weighted 30%) and coverage add-on availability (weighted 15%) to calculate each company's final MoneyGeek score.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.