Renters Insurance

The Best Cheap Renters Insurance in Oklahoma

The Best Cheap Renters Insurance in Oklahoma

Lemonade offers the cheapest renters insurance quotes in Oklahoma. A policy costs $11 per month, on average.

Compare Cheap Renters Insurance in Oklahoma

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Renters insurance is not very expensive, but it can save you thousands of dollars if you have to make a claim. We collected quotes and evaluated renters insurance companies across the state of Oklahoma to find the best options available.


Affordability: Finding cheap renters insurance in Oklahoma

Oklahoma renters looking for cheap coverage will find the best rates at Lemonade. A standard renters insurance policy from Lemonade costs $135 per year. That's 56% cheaper than the statewide average.

The average cost of renters insurance in Oklahoma is $26 per month, or $308 per year.

Bar chart comparing the cheapest options for renters insurance in Oklahoma

Compare Cheap Renters Insurance in Oklahoma

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Renters in Oklahoma pay 43% more for insurance than the national average of $215 per year. That works out to a difference of $8 per month.

Monthly cost
Lemonade logo
Travelers logo
Amica logo
Allstate logo
Farmers logo

Best renters insurance for most people: Lemonade

Lemonade has the best rates in Oklahoma, along with dependable customer service.

Read our full review.

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The good:

  • Very affordable prices
  • Reliable service

The bad:

  • Few coverage add-ons

Lemonade is the best renters insurance company for most people in Oklahoma. Lemonade's average price for renters insurance in Oklahoma is $11 per month. That's 56% less than average in Oklahoma and half the price of the next-cheapest option.

Oklahoma renters can count on Lemonade to help them get back on their feet quickly after a loss.

The company earned an excellent score on J.D. Power's annual customer satisfaction survey. It also receives fewer complaints than competitors of a similar size, according to the National Association of Insurance Commissioners (NAIC). That suggests Lemonade customers tend to be happy with the service they receive.

Lemonade's biggest shortcoming is that it has a standard, but not great, range of optional coverages. For example, it has valuable items and replacement cost coverage but not flood insurance or equipment breakdown coverage. However, the coverage available from Lemonade is usually enough to protect most renters.

Best for extra coverage: Travelers

Travelers offers lots of ways to customize your coverage, along with the second-best rates in Oklahoma.

Read the full review.

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The good:

  • Cheaper-than-average rates
  • Lots of coverage options

The bad:

  • Mediocre service

Oklahoma renters who need extra protection should compare quotes from Travelers. At a rate of $22 per month, a policy from Travelers is 42% cheaper than the statewide average.

We aren't as impressed with Travelers in terms of its customer service experience. The company was ranked last in J.D. Power's annual renters insurance study, which includes the largest insurers across the country. However, the company receives fewer complaints than other insurers based on its size, according to the NAIC. Mixed reviews make it difficult for renters to trust that Travelers will provide fast, helpful service in an emergency.

The company offers Oklahoma renters protection that they won't find from most insurers, though. In addition to standard renters insurance coverage, you can customize a Travelers policy with:

  • Decreasing deductible
  • Equipment breakdown coverage
  • Extended liability coverage
  • Flood insurance
  • Identity theft coverage
  • Replacement cost coverage
  • Valuable items

Best customer service: Amica

Amica offers Oklahoma renters affordable coverage and top-rated customer service.

Read our full review.

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The good:

  • Dependable customer service
  • Lots of discounts

The bad:

  • Not the cheapest option

We recommend Amica for renters focused on customer service. It has far fewer complaints than similar-sized insurers in Oklahoma, according to the NAIC. You can expect Amica to provide a stress-free claims experience and help you get back to normal quickly after a loss.

At an average price of $24 per month, coverage from Amica costs 6% less than the Oklahoma state average. Although Amica is $13 per month more expensive than our top choice, the company offers lots of discounts.

You can save money on your insurance premium by:

  • Purchasing car insurance from Amica
  • Remaining claim-free for three years
  • Signing up for automatic payments
  • Receiving bills via email
  • Being insured with your current company for two years or longer

Average cost of renters insurance in Oklahoma by city

Renters living in Oklahoma City pay the highest rates in the state for insurance coverage.

Renters insurance in Oklahoma City costs $29 per month, which is 14% more expensive than the state average. Of the 24 most populous cities in Oklahoma, Broken Arrow and Enid have the cheapest renters insurance rates. Renters there can expect to pay around $24 per month for insurance — 6% cheaper than average.

Average annual cost
Difference from state average (%)
Broken Arrow$290-6%
Show All Rows

Compare Rates

Where you live has a significant impact on the cost of renters insurance. People who live in cities with low crime rates usually have cheaper rates. On the other hand, renters in areas prone to natural disasters, like a flood or tornado, might pay more.

Best renters insurance in Oklahoma

Amica has the best-rated customer service in Oklahoma.

It only receives 12% as many complaints as other insurers of the same size, according to the NAIC. Our editors also gave Amica an excellent rating based on customer reviews, coverage options and the overall quality it provides to clients.

Oklahoma renters can also find excellent customer service at USAA. However, not all renters can purchase insurance from USAA. You have to be a military member, a veteran or their family member to qualify.


Customer service reviews are important to consider when shopping for renters insurance. If you ever have to use the coverage you're purchasing, you'll have a much better experience working with a highly rated company. That's because great customer service can result in a faster, easier claims process, which you'll appreciate in an emergency situation.

Frequently asked questions

How much is renters insurance in Oklahoma?

Renters insurance in Oklahoma costs $26 per month, on average. The cheapest renters insurance in Oklahoma comes from Lemonade, where a policy costs around $11 per month.

What does renters insurance cover in Oklahoma?

A standard renters insurance policy should always offer personal property protection, liability coverage, medical payments to others and additional living expenses. In addition, some companies offer optional coverages for renters who need more protection, like replacement cost coverage or identity theft protection.

Can a landlord require renters insurance in Oklahoma?

Yes, your landlord can require you to have renters insurance. Your landlord may ask you to purchase a policy to protect themselves from being held responsible if your belongings are damaged or someone is hurt in your home.

How much does renters insurance cost in Oklahoma City?

Renters living in OKC can expect to pay $29 per month, or $350 per year, for insurance. That's 14% more expensive than the Oklahoma state average. In comparison, people living in Tulsa pay $28 per month for renters insurance, on average.


To find the best renters insurance companies in Oklahoma, we considered three main criteria:

  • Affordability: Are the company's rates affordable compared to other insurers?
  • Coverage options: Does the company offer useful coverage?
  • Customer service: Are customers generally satisfied with the service they receive?

To compare renters insurance quotes in Oklahoma, we collected rates from five top insurers for 24 of the most populated cities across the state. Quotes are based on a 25-year-old man who lives alone and has not made any recent renters insurance claims.

Quotes include the following coverage limits:

  • Personal property coverage: $30,000
  • Liability coverage: $100,000
  • Medical payments coverage: $1,000
  • Deductible: $500

We determined customer service scores using the following data:

  • NAIC complaint index: This score compares the number of complaints an insurer has received with its size. A lower score indicates fewer complaints and suggests that customers are more likely to be happy with the service they receive.
  • J.D. Power rating: This rating is based on a national survey of renters insurance customers asking how satisfied they are with their renters insurance company.
  • ValuePenguin editor's rating: This rating is based on customer service reviews, coverage availability and the overall value provided to customers.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.