Renters Insurance Cost in Oklahoma (2026 Average)
Oklahoma renters paid about $163 a year on average in the NAIC 2021 baseline, about $7 less than the $170 US average. The state average is a useful baseline, but your quote will depend on your city, coverage limits, deductible, and claims history.
What drives Oklahoma renters insurance costs
Oklahoma renters paid about $163 a year on average in the NAIC 2021 baseline, about $7 less than the $170 US average.
Weather exposure is a major driver here: the state is among the most severe-weather exposed in the country, with tornadoes and hail common.
Claim frequency and litigation also matter: weather claims and a more active litigation climate push costs up.
Replacement costs and carrier competition round out the picture: replacement costs are moderate, and competition softens some of the weather-driven pressure, but the average still runs high.
How Oklahoma compares
| Location | Average annual premium | vs US average ($170) |
|---|---|---|
| Oklahoma | $163 | −$7 |
| United States (national average) | $170 | baseline |
| Texas | $250 | +$80 |
| Arkansas | $151 | −$19 |
| Kansas | $148 | −$22 |
A minus sign means the average is below the US average. Figures are the NAIC 2021 baseline; 2026 quotes run higher after inflation.
Next steps
Estimate your own premium
State averages only get you part of the way. Your real quote depends on your address, the coverage you choose, and your claims history.