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Renters insurance · rank #46 of 50 · July 2026

Average renters insurance cost in Oklahoma

Oklahoma is one of the most expensive states for renters insurance, ranking #46 of 50. At $31 a month, renters here pay about 35% more than the national average — a premium driven largely by the state's severe-weather claim history. Even so, it remains one of the cheapest policies you can own.

Average monthly rate$31 +35% vs US avg
Average annual cost$372
Benchmark coverage~$30K property
U.S. average$23/mo
Oklahoma vs U.S. average+$96/yr
Cost rank (1 = cheapest)#46 / 50
Paying more than the Oklahoma average?

The single most reliable way to cut your premium is comparing quotes — carriers price the same coverage very differently — State Farm averages $14/month while others charge $24+ for comparable policies.

Compare renters insurance quotes

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How Oklahoma compares with its neighbors

StateMonthly rateDifference vs OK
Oklahoma$31
Texas$25$6/mo
Kansas$24$7/mo
Arkansas$35+$4/mo
Missouri$28$3/mo

Oklahoma renters insurance FAQ

How much is renters insurance in Oklahoma?

Renters insurance in Oklahoma averages $31 per month — about $372 per year — for a typical policy with roughly $30,000 in personal property coverage and $100,000 in liability. Your exact rate depends on your coverage limits, deductible, claims history and, in most states, your credit-based insurance score.

Is renters insurance required in Oklahoma?

No state law requires renters insurance in Oklahoma — but landlords can and frequently do require it as a lease condition. Even when it's optional, going without it means one apartment fire or burglary could cost you everything you own, against a premium of roughly $31 a month.

How can I pay less than $31/month in Oklahoma?

Three moves reliably beat the state average: bundle renters with your auto policy (typically the single biggest discount), raise your deductible from $250 to $1,000 if you can absorb it, and compare quotes — carrier pricing for identical coverage varies widely, with the cheapest national carriers averaging around $14/month.

Paying more than the Oklahoma average?

The single most reliable way to cut your premium is comparing quotes — carriers price the same coverage very differently — State Farm averages $14/month while others charge $24+ for comparable policies.

Compare renters insurance quotes

We may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.