Compare average insurance rates in Owasso for 2026
🏠
Home
$2958
/year
🚗
Auto
$1696
/year
🏥
Health
$569
/month
💰
Life
$24
/month
🏢
Renters
$19
/month
Home Insurance in Owasso, OK
The average cost of homeowners insurance in Owasso, Oklahoma is $2,958 per year in 2026. This compares to the state average of $3,400 per year.
$2,958per year (avg in Owasso)
$1827OK avg: $3,400$4176
Factors Affecting Home Insurance in Owasso
🏠
Home Value Average: $185,000
🌪
Weather Risk high
🌊
Flood Zone 5% of properties
📈
Cost Index 0.87 (100 = national avg)
🌪️
Tornado Alley: Owasso is located in tornado-prone territory. Make sure your policy covers windstorm and tornado damage adequately.
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$148,000
$74,000
$100,000
$2,218
Standard (HO-3)
$185,000
$92,500
$300,000
$2,958
Premium (HO-5)
$231,250
$138,750
$500,000
$3,993
Auto Insurance in Owasso, OK
The average annual cost of auto insurance in Owasso is $1,696, compared to the Oklahoma state average of $1,950.
$1,696per year (avg in Owasso)
$1044OK avg: $1,950$2436
📋
Minimum Coverage in Oklahoma: 25/50/25
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$932
Full Coverage
100/300/100
$500 deductible
$500 deductible
$1,696
Premium
250/500/250
$250 deductible
$250 deductible
$2,204
Health Insurance in Owasso, OK
The average monthly health insurance premium in Owasso is $569 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$569per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$409
$7,000
$9,100
Healthy, low usage
Silver
$569
$4,500
$9,100
Moderate usage
Gold
$711
$1,650
$8,700
Regular medical needs
Platinum
$853
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Owasso
💰 Life Insurance
$24
per month (20-year term, $500K)
Life insurance rates in Oklahoma are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $24/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$19
per month (avg in Owasso)
Renters insurance in Owasso covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Owasso
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Owasso, OK is $2,958 per year for a standard HO-3 policy. Rates range from $1,827 to $4,176 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Owasso is $1,696 per year for full coverage. Liability-only coverage averages around $763 per year. Oklahoma requires minimum coverage of 25/50/25.
Insurance costs in Owasso are below the national average (cost index: 0.87). Home insurance averages $2,958/yr and auto insurance $1,696/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 0.87), tornado risk, average home values ($185,000), your personal claims history, credit score, and at-fault insurance laws in Oklahoma.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Owasso residents can potentially save $931+ per year.
Oklahoma requires minimum auto liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). This is the legal minimum, but most experts recommend higher limits for adequate protection.
Compare Insurance Quotes in Owasso
Get personalized quotes from top insurers in Oklahoma. Compare rates in minutes.