🏠 Home insurance cost in Oklahoma (2026)
The estimated average is $5,060 per year — above the national average (+120% vs. the U.S. average of $2,300).
Oklahoma is home to about 4.1 million people, and home insurance here runs above the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Oklahoma City typically differ from smaller towns.
Estimate your home insurance in Oklahoma
Oklahoma home insurance estimator
Starts from the Oklahoma average. Estimate only — get quotes to confirm.
Home insurance cost in Oklahoma cities
| City | Population | Est. home insurance |
|---|---|---|
| Oklahoma City | 694,800 | $5,465 |
| Tulsa | 411,401 | $5,262 |
| Norman | 128,026 | $5,060 |
| Broken Arrow | 116,961 | $5,060 |
Oklahoma home insurance FAQ
How much is home insurance in Oklahoma?
The estimated average home insurance in Oklahoma is $5,060 per year, which is above the national average (+120% vs. the U.S. average of $2,300). Oklahoma ranks 1 of 51 states from most to least expensive.
Why is home insurance expensive in Oklahoma?
Home insurance pricing in Oklahoma reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the South.
How can I save on home insurance in Oklahoma?
Compare at least three quotes from insurers active in Oklahoma, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.