Home>Homeowners Insurance>Oklahoma

Best Oklahoma City Homeowners Insurance Quotes (2025)

Allstate, State Farm, and USAA offer the best homeowners insurance policies in Oklahoma City.

Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk

  • 6+ years writing about insurance, travel, and personal finances

  • Contributor to brands like Credible

In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.

Read Editorial Guidelines

View Full Bio

Featured in

media logomedia logomedia logo
Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content

  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

Read Editorial Guidelines

View Full Bio

Featured in

media logomedia logomedia logomedia logo

Updated

Save up to $1,025† by comparing quotes from the top 120+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Oklahoma City’s average home insurance rates for a $300,000 dwelling coverage policy are $6,776 with a $1,000 deductible and $6,857 with a $500 deductible. Home insurance rates in Oklahoma’s capital city are among the highest in the state, but savings are available through a wide range of home insurance companies, like State Farm and Allstate. 

With year-round wildfire risks, it’s a good idea to consider increased property coverage when purchasing or renewing a homeowners insurance policy.

Here’s what else you need to know when shopping for home insurance in Oklahoma City.

Quick Facts

  • Oklahoma City is at risk from multiple natural disasters.

  • Insurance rates are increasing across Oklahoma.

  • OKC’s homeownership rate is lower than the overall state rate.[1]

Best home insurance companies in Oklahoma City

Oklahoma City has dozens of home insurance companies, like Farmers Insurance, North Star Mutual Insurance Company, Oklahoma Farm Bureau Mutual Insurance Company, and more.

Allstate, State Farm, and USAA are three of the best companies for home insurance in Oklahoma City. All have achieved an Insurify Quality (IQ) Score of 8.0 or higher.

Keep in mind that the best company for you will be the one that aligns with your coverage needs and budget.

Best company for affordability: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
631
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$176/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$272/mo

Allstate offers the cheapest average homeowners insurance rates in Oklahoma City. Its substantial company size, history in the industry, and AM Best financial strength rating of A+ (Superior) make it an affordable yet reliable choice.

Customers can potentially save more with a clear claims history or if they bundle home insurance with other insurance products. Although the Allstate Good Hands Repair Network guarantees repairs, the program currently only features car repair shops within a 10-mile radius of downtown.

Pros

  • Lowest average rates in Oklahoma City

  • Multiple discounts available

Cons

  • Limited number of in-network contractors in the city

  • Low customer service scores

Best company for natural disaster claims: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
643
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$183/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$261/mo

Many homes in Oklahoma City are threatened by tornadoes, flash floods, wildfires, and earthquakes. State Farm helps manage post-disaster recovery for its clients through its catastrophe team. Along with the protections in its general homeowner policy, State Farm also offers personal property protection through its personal articles policy rider.

But State Farm doesn’t offer the lowest rates in Oklahoma City, and it doesn’t offer flood insurance. Homeowners with high-risk homes or people who need flood insurance should expect to spend more than the city average on multiple policies that cover the wide range of natural disasters threatening Oklahoma City.

Pros

  • Dedicated team to assist with catastrophe damage

  • Offers personal property insurance

Cons

  • Flood insurance not available

  • Average premiums twice as high as Allstate

Best company for customer satisfaction: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
737
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$147/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$212/mo

USAA earned the highest customer satisfaction score in J.D. Power’s 2024 U.S. Home Insurance Study, significantly outranking Chubb, AIG, and Amica.[2] The National Association of Insurance Commissioners (NAIC) reports zero customer service complaints with USAA in Oklahoma, though surrounding states like New Mexico and Texas have several.

Approximately 7% of Oklahoma City’s residents are veterans. USAA’s high customer satisfaction ratings are also great for homeowners who value customer service, though the company’s membership is restricted to veterans, active military members, and their families.

Pros

  • High customer satisfaction scores

  • Offers flood insurance through the NFIP

Cons

  • No 24/7 customer service

  • Not the cheapest home insurance company in Oklahoma City

  • Our editorial team analyzed regional and national home insurance companies that sell policies in Oklahoma City to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.

Cheapest home insurance companies in Oklahoma City 

The cheapest home insurance company in Oklahoma City is Allstate, which has average annual premiums that are roughly $500 less than the next cheapest alternative, American National P&C.

Insurance Company
sort ascsort desc
Average Annual Premium
sort ascsort desc
Allstate$2,827
American National P&C$3,163
Armed Forces Insurance Exchange$3,424
Chubb$8,359
Farmers$6,613
Hanover$9,940
Metropolitan$19,658
Oklahoma Farm Bureau$5,113
Oklahoma Farmers Union$6,651
Shelter$5,826
State Farm$4,780
Travelers$6,437
USAA$5,302

Find Cheap Home Insurance in Oklahoma City

Compare rates from the nation’s leading insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

How much is home insurance in Oklahoma City?

The average annual rate for a policy with $300,000 in dwelling coverage in Oklahoma City is $6,776 with a $1,000 deductible and $6,857 with a $500 deductible.

Every home insurance company, including State Farm and Oklahoma Farm Bureau, reviews factors like ZIP code, proximity of fire stations, deductible level, the home’s age, building materials, and safety features when quoting a premium. That’s why Oklahoma home insurance premiums are different even for two homes in the same neighborhood.

Cost of home insurance by dwelling coverage in Oklahoma

There’s no standard Oklahoma home insurance company that suits every homeowner. When you select a higher dwelling coverage amount, you’ll pay more money to have a greater level of protection. For example, the replacement cost for an old house may require a lower coverage limit than a brand-new home with a much higher replacement cost. A higher coverage limit typically has a higher average annual premium.

Coverage Limit
sort ascsort desc
Average Annual Premium
sort ascsort desc
$100,000$2,779
$200,000$4,444
$300,000$6,081
$400,000$7,762
$500,000$9,411

Cost of homeowners insurance by deductible amount

A deductible is the set amount of money you pay before your home insurance company steps in to cover your claim. A standard homeowners policy might offer a low deductible of $500 and a higher deductible of $1,000. A higher deductible typically gives you a lower premium because you take on more of the cost to pay for your claim.[3]

Choosing a low deductible often comes with a higher premium to compensate for the higher amount your insurance company will cover when you file a claim.

Deductible Amount
sort ascsort desc
Average Annual Premium
sort ascsort desc
$500$6,154
$1,000$6,081

Average cost of home insurance in other cities in Oklahoma

Oklahoma City residents pay a higher average insurance rate than residents of Tulsa, though homeowners in Norman and Yukon usually pay more for property coverage. A property’s location, down to its ZIP code, influences average annual home insurance prices.

Broken Arrow, for instance, has a large fire department, which is one factor contributing to its lower average annual insurance rate in this ZIP code.

All annual rates below are for $300,000 in dwelling coverage with a $1,000 deductible.

City
sort ascsort desc
Average Annual Premium
sort ascsort desc
Ardmore$5,760
Broken Arrow$5,498
Edmond$6,720
Enid$5,596
Norman$6,918
Oklahoma City$6,776
Owasso$5,282
Sapulpa$5,918
Tulsa$5,299
Yukon$7,043

Compare Oklahoma City Home Insurance Quotes

Check quotes from 120+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

What to know about owning a home in Oklahoma City

Oklahoma City is the largest city in the state, and it carries insurance risks common to most larger cities. Reports of property crime, burglary, larceny-theft, and arson are substantially higher in the capital than in any other city in the state. If you have a high-value home or possessions, you may want to review your coverage limits and increase them to ensure any damage to the property or stolen items are adequately covered.

Geographically, the city also faces threats from multiple weather-related events. Wildfires can occur in Oklahoma City throughout the year, as can tornadoes and earthquakes. Unfortunately, a standard homeowners insurance policy only covers some perils. Even though volcanic eruptions, windstorms, fire, and ice damage are covered, damage from floods and earthquakes typically isn’t.[4]

It’s a good idea to consider flood insurance to better protect your home. Most mortgage lenders will require it if the property is within a flood zone. You can secure flood insurance through government programs like the National Flood Insurance Program (NFIP). Many home insurance companies can assist you in securing a flood insurance policy through the NFIP.

Oklahoma City home insurance FAQs

Here’s more information to help you identify a low rate on home insurance in Oklahoma City.

  • Oklahoma City’s average home insurance rates for a policy with $300,000 in dwelling coverage are $6,776 with a $1,000 deductible and $6,857 with a $500 deductible. Rates in Oklahoma’s capital city are among the highest in the state.

  • Allstate has the cheapest average annual premiums for home insurance in Oklahoma City, at $2,827 per year. Allstate is the fourth-largest property and casualty insurer and the second-largest home insurance company in the country, though some surveys rank it low in customer satisfaction.

  • An average home insurance policy in Oklahoma can cost anywhere from $5,299 in cities like Tulsa to as much as $7,001 in Norman.

  • A home insurance policy is generally more expensive in Oklahoma because the Sooner State faces risks from multiple natural disasters, including hailstorms, wildfires, tornadoes, and earthquakes. Inflation and increased costs for claims also increase premiums.

Sources

  1. US Census Bureau. "Oklahoma City Housing."
  2. J.D. Power. "Rampant Home Insurance Increases Strain Customer Satisfaction—and Drive Policy Shopping, J.D. Power Finds."
  3. Oklahoma Insurance Department. "5 Ways to Lower Your Homeowners Insurance Costs."
  4. Insurance Information Institute. "Which disasters are covered by homeowners insurance?."
Nick Dauk
Nick Dauk

Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.

For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.

Nick has been a contributor at Insurify since October 2022.

Learn More
linkedin
Chris Schafer
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content

  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

Read Editorial Guidelines

View Full Bio

Featured in

media logomedia logomedia logomedia logo

Compare Home Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate