How Much Does Life Insurance Cost in Tulsa, OK?
Tulsa pricing is 18% below the national average. Updated for 2026.
Based on local labor rates, humid-subtropical climate conditions, and Tulsa's energy-aerospace-healthcare economy.See our methodology
Life Insurance Pricing in Tulsa, OK
Tulsa is one of the more affordable markets for life insurance, with costs running about 18% below the national average. The city's energy-aerospace-healthcare economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 400K-population metro area is straightforward.
Local climate plays a direct role in life insurance costs here. Tornado alley location affects insurance and building standards; hot summers drive HVAC demand; severe storms create periodic repair surges.
Market-specific factors matter in Tulsa: energy sector economy creates boom-bust cycles affecting contractor availability; overall affordable market.
Tulsa has moderate permitting requirements. Depending on the scope of your life insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Tulsa vs National Average
What Affects Life Insurance Cost in Tulsa?
Policy Type
20-year term: $20-$60/mo. Whole life: $150-$500/mo (for same coverage)
Coverage
$250K: $15-$30/mo. $500K: $25-$50/mo. $1M: $40-$90/mo (healthy 35-year-old, term)
Tulsa Market Conditions
energy sector economy creates boom-bust cycles affecting contractor availability; overall affordable market
Local Climate Impact
tornado alley location affects insurance and building standards; hot summers drive HVAC demand; severe storms create periodic repair surges
📐 Life Insurance in Tulsa Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Life Insurance Pros in Tulsa, OK
6 providersApex Plumbing
⭐ PREMIUMServing Tulsa and surrounding areas since 1996. Licensed, insured, and committed to quality workmanship at fair prices.
Elite Plumbing
⭐ PREMIUMServing Tulsa and surrounding areas since 1999. Licensed, insured, and committed to quality workmanship at fair prices.
Apex Roofing & Siding
✅ VERIFIEDAre You a Life Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for life insurance in Tulsa, OK.
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
Tips to Save on Life Insurance in Tulsa
- 1.Term life is 5-10x cheaper than whole life and sufficient for most people
- 2.Buy younger — rates increase significantly with age
- 3.Maintain good health to qualify for preferred rates
- 4.Compare quotes from multiple providers
📈 Life Insurance in Tulsa Cost Trends (2020–2024)
Prices have increased +13.9% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $36 | — |
| 2021 | $37 | +2.8% |
| 2022 | $39 | +5.4% |
| 2023 | $40 | +2.6% |
| 2024 | $41 | +2.5% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Life Insurance in Tulsa
Recent Reports
Frequently Asked Questions
How much life insurance do I need?
A common guideline is 10-15x your annual income. Consider debts, childcare costs, and future expenses like college.
Why does life insurance cost different in Tulsa than other cities?
Tulsa's costs reflect local labor rates driven by the energy-aerospace-healthcare economy, humid-subtropical climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
Life Insurance Cost in Nearby Cities
Related Cost Guides for Tulsa
Popular Services in Tulsa
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.