Best Homeowners Insurance Companies in Oklahoma (2025)
State Farm, USAA, and Farmers offer some of the best homeowners insurance in Oklahoma to protect against severe storms and wildfires.
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Written byCarley Clark
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Carley Clark is a freelance financial writer based in Michigan. She has written for several well-known brands, including Benzinga, CNN Underscored, GOBankingRates, and FinanceBuzz. Carley earned her bachelor’s degree in business from Spring Arbor University in 2018 and later worked as a revenue auditor for a casino before transitioning to writing. Outside of work, she enjoys reading, playing video games, and going for walks with her dog.
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Edited byAshley Cox
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Data reviewed byChase Gardner
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Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Table of contents
Smack dab in Tornado Alley, Oklahomans endure frequent severe weather, wildfires, and earthquakes — all of which can drive up home insurance costs. As a result, the state sees some of the highest premiums in the country.
The average cost of homeowners insurance in Oklahoma is $4,560 per year for a $300,000 dwelling coverage policy with a $1,000 deductible — well above the national average of $2,532 per year.
Here’s a look at some of the best insurers in Oklahoma, how much coverage you need, and what to consider when comparing policies.
Quick Facts
Oklahoma homeowners pay an average of $4,912 per year for a policy with $300,000 in dwelling coverage and a $500 deductible.
USAA is the cheapest home insurance company in Oklahoma, with an average monthly rate of $185.
Oklahoma ranked No. 4 in the U.S. for major hail events in 2024.[1]
Best home insurance companies in Oklahoma
Because Oklahoma is home to many quality insurers, your insurance needs and budget can help you decide which one is right for you. That said, the five insurers below are some of the best home insurance companies in Oklahoma to consider:
State Farm: Best for tornadoes and storm damage
State FarmCompare 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 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $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. | $343/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. | $463/mo |
When you live in Tornado Alley, you need an insurer that responds quickly after a disaster. State Farm is known for its reliable customer service and holds an A++ (Superior) financial strength rating from AM Best, showing it can handle large-scale losses after a major storm.
The State Farm Catastrophe Team assists homeowners after natural disasters like tornadoes, hail, and windstorms. It can deploy a fleet of vehicles to affected areas within 48 hours, allowing residents to file claims on the spot and receive payouts more quickly.
Pros
Discounts for wind mitigation and impact-resistant roofing
May offer flood insurance through National Flood Insurance Program (NFIP)
Above-average J.D. Power customer satisfaction rating
Cons
Higher premiums than some competitors
Rates may increase after a claim
Several consumer complaints about claims process
USAA: Best for military members and their families
USAACompare 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 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $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. | $185/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. | $260/mo |
About 8% of Oklahoma’s population is made up of veterans, according to the Housing Assistance Council.[2] USAA helps active-duty service members, veterans, and their families access affordable insurance and financial products.
Along with competitive premiums, USAA includes replacement cost coverage in its standard home insurance policies and provides no-deductible coverage for military gear. You can also enroll in its Wildfire Response Program at no cost, which can dispatch certified firefighters to help protect your home.
Pros
Affordable premiums
Highest J.D. Power customer satisfaction rating
Excellent mobile app reviews
Cons
Membership requirements
No customer service on Sundays
Limited brick-and-mortar locations
Allstate: Best for earthquake or seismic coverage
AllstateCompare 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 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A- |
| $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. | $207/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. | $237/mo |
Oklahoma has experienced a sharp rise in earthquake activity in recent years. Allstate’s optional earthquake endorsement protects against property damage caused by earth movement, such as cracked walls or foundations. It also covers your personal belongings and additional living expenses if you’re unable to stay in your home after a covered event.
Allstate holds an A+ (Superior) financial strength rating from AM Best, so it can reliably pay claims during widespread losses. The company also offers other useful add-ons for Oklahomans, including water backup, musical instruments, and landscaping protection.
Pros
Customizable coverage and add-on insurance options
Lower premiums than some competitors
24/7 customer service
Cons
Below-average J.D. Power customer satisfaction rating
Below-average J.D. Power claims satisfaction rating
Consumer complaints about customer service and claims process
Farmers: Best for affordable home insurance
affordable home insurance
Farmers
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. | 8.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $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. | $203/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. | $323/mo |
Oklahomans face some of the highest home insurance premiums in the country. If you’re on a strict budget, Farmers offers some of the cheapest homeowners insurance in Oklahoma. Along with lower premiums, you can also save with discounts for bundling policies, enrolling in paperless statements, and paying your bill on time.
With Farmers, you can add guaranteed replacement cost coverage, which pays to repair your home even if the cost exceeds your limits. The company also offers optional endorsements for medical bills and personal umbrella insurance for extended liability protection.
Pros
Affordable premiums
Highly rated mobile apps
AM Best financial strength rating of A (Excellent)
Cons
Below-average J.D. Power customer satisfaction rating
Low Trustpilot rating
No 24/7 customer service
Chubb: Best for customer service and claims process
ChubbCompare 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. | 7.8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $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. | $530/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. | $838/mo |
While Chubb specializes in insuring high-value homes, it consistently ranks as one of the top insurers for customer service — which is essential after a loss, when you need reliable support. Homeowners report a fast and smooth claims process, praising Chubb’s helpful service representatives.
Chubb includes extended replacement cost coverage in most policies and will pay to rebuild fine details, such as custom cabinets or flooring. The company also offers perks like risk consulting and HomeScan, which can detect issues before they cause damage, like faulty wiring.
Pros
Includes extended cost coverage in most policies
Cash settlement option after covered total loss
High J.D. Power customer satisfaction rating
Cons
Higher premiums than competitors
No 24/7 customer service
Not the cheapest insurer
Our editorial team analyzed dozens of regional and national home insurance companies that sell policies in Oklahoma 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 in Oklahoma
While premiums vary by location and coverage, we found that USAA has the cheapest homeowners insurance in Oklahoma, with average monthly premiums of $185.
You may find the most affordable home insurance quotes from the following companies:
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Chase Gardner
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Insurance Company  | Average Annual Premium: With $300,000 in Dwelling Coverage |
|---|---|
| USAA | $2,220 |
| Farmers | $2,436 |
| Allstate | $2,484 |
| Travelers | $3,876 |
| State Farm | $4,116 |
| Chubb | $6,360 |
How much does homeowners insurance cost in Oklahoma?
Oklahoma home insurance costs an average of $380 per month, or $4,560 per year. Your home insurance rate depends on several factors, including your ZIP code, local weather risks, the age of your home, the materials your home is constructed of, and more.
Insurance companies may consider your claims history and credit-based insurance score when calculating premiums. Local property values can also play a role — homes in higher-value areas may cost more to insure.[3]
Cheapest home insurance companies in Oklahoma by dwelling coverage
Dwelling coverage insures your home’s structure against perils like fire, natural disasters, and vandalism.[4] The table below shows some of the cheapest home insurance companies for dwelling coverage in Oklahoma.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Chase Gardner
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Insurance Company | Average Annual Premium |
|---|---|
| Farmers | $1,704 |
| USAA | $1,704 |
| Allstate | $2,148 |
| Travelers | $2,796 |
| State Farm | $3,204 |
| Chubb | $4,452 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Chase Gardner
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Insurance Company | Average Annual Premium |
|---|---|
| USAA | $2,220 |
| Farmers | $2,436 |
| Allstate | $2,484 |
| Travelers | $3,876 |
| State Farm | $4,116 |
| Chubb | $6,360 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Chase Gardner
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $2,844 |
| USAA | $3,120 |
| Farmers | $3,876 |
| State Farm | $5,556 |
| Travelers | $5,976 |
| Chubb | $10,056 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Chase Gardner
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $3,528 |
| USAA | $4,104 |
| Farmers | $5,220 |
| State Farm | $6,984 |
| Travelers | $8,448 |
| Chubb | $14,640 |
Oklahoma homeowners insurance cost by city
Your location can influence your premium. For example, Tulsa has lower average homeowners insurance rates than Oklahoma City.
Insurers consider several factors when setting prices, including an area’s exposure to wildfires, tornadoes, and hail, as well as local crime rates and proximity to fire stations. Below is a comparison of the average annual home insurance premiums in some major Oklahoma cities.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Chase Gardner
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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City | Average Annual Premium: With $300,000 in Dwelling Coverage |
|---|---|
| Tulsa | $4,080 |
| Oklahoma City | $5,004 |
What homeowners should know about insurance in Oklahoma
Oklahoma is generally an affordable place to live, but its environmental and weather risks can affect your home insurance cost and the coverage you need. When choosing your policy, consider the following common hazards in the Sooner State:
Severe storms
Located in Tornado Alley, Oklahoma frequently experiences severe storms when cold, dry air from Canada meets warm, moist air from the Gulf. These conditions can bring high winds, hail, and an average of 50 tornadoes each year.[5]
While standard home insurance policies typically cover hail and wind damage, make sure your dwelling coverage reflects current rebuilding costs rather than just your home’s purchase price. Storms can also bring heavy rain, so a separate flood insurance policy through the NFIP or a private insurer may be a good investment in flood zones.
Earthquakes
Seismic activity has increased substantially in Oklahoma due to industrial wastewater injection, according to the U.S. Geological Survey. Earthquakes can compromise the structural integrity of your home.
Homeowners insurance in Oklahoma typically doesn’t cover earthquake damage, such as cracked foundations or ground shifting. If you live near disposal wells or drilling zones, consider adding an earthquake endorsement to your policy.
Wildfires
Oklahoma frequently faces droughts, which can lead to wildfires. The state averages more than 1,200 fires per year, with wildfires damaging more than 400 homes statewide in early 2025.[6]
Most types of home insurance policies cover fire and smoke damage, including from wildfires, but you may face higher premiums and deductibles in high-risk areas.[7] You should also check if your insurer has mitigation requirements, such as clearing brush or installing a fire-resistant roof.
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How much homeowners insurance do you need in Oklahoma?
Even though Oklahoma state law doesn’t require homeowners insurance, most mortgage companies do. When choosing a policy, review the paperwork to make sure you understand exactly what home insurance covers.
You’ll want to make sure your policy includes the following coverages:
Dwelling coverage
Check that your policy limits equal the cost to entirely replace your home after a total loss — not just its market value.[8]
Personal property coverage
Most policies cover your personal belongings up to 50%–70% of your dwelling limit. Insurers may restrict coverage for high-value items, such as artwork or jewelry.
Liability coverage
Standard home insurance policies usually include a minimum of $100,000 in liability coverage. But experts often recommend a liability insurance limit of at least $300,000 to cover potential legal costs from bodily injury or property damage. Some insurers also offer personal injury liability protection for non-physical injuries, such as invasion of privacy or libel.
Additional living expenses coverage
If you need to stay in a hotel because your home is uninhabitable after a covered peril, loss of use coverage can reimburse you for your stay and associated costs.
How to contact the Oklahoma Department of Insurance
The Oklahoma Insurance Department (OID) oversees the state’s insurance markets, enforces insurance regulations, and assists residents with consumer complaints. Homeowners can contact the department to report claim disputes, verify agent licenses, and find educational resources.
For more information, visit the organization’s website or call 1 (405) 521-2828. You can also submit questions through the OID’s online contact form.
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Oklahoma homeowners insurance FAQs
Although Oklahoma faces high premiums, home insurance is a necessity for protecting your home from the many risks in the state. Below is some additional information to help you find the right policy for you.
Homeowners insurance in Oklahoma costs an average of $4,560 per year, or $380 per month, Insurify data shows. Adding flood insurance or extended replacement cost coverage could increase your premium.
USAA is among the cheapest home insurance companies in Oklahoma, with average monthly premiums of $185. Your premium will likely vary, so it’s important to request insurance quotes from multiple companies to find the best deal.
Oklahoma has no law requiring home insurance. But if you have a mortgage, your lender will likely require homeowners insurance to protect its investment.
You may be able to lower your home insurance premium by comparing quotes, looking for discounts, increasing your deductible, and maintaining a good credit history.
The 80% rule says you should insure your home for at least 80% of its replacement cost. Otherwise, your insurer may only pay part of your claim.
Home insurance costs more in Oklahoma due to frequent severe storms intensified by climate change, as well as the risk of earthquakes and wildfires.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- Insurance Information Institute. "Facts + Statistics: Hail."
- Housing Assistance Council. "Supporting Veterans in Oklahoma."
- National Association of Insurance Commissioners. "Why Are My Insurance Premiums Increasing?."
- Insurance Information Institute. "Which disasters are covered by homeowners insurance?."
- Oklahoma Department of Emergency Management. "Tornado Awareness."
- Oklahoma Department of Agriculture, Food and Forestry. "Oklahoma Forestry Services Reports 2023 Wildfire Numbers."
- Insurance Information Institute. "Insurance for wildfires."
- Insurance Information Institute. "Am I Covered?."
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Carley Clark
Carley Clark is a freelance financial writer based in Michigan. She has written for several well-known brands, including Benzinga, CNN Underscored, GOBankingRates, and FinanceBuzz. Carley earned her bachelor’s degree in business from Spring Arbor University in 2018 and later worked as a revenue auditor for a casino before transitioning to writing. Outside of work, she enjoys reading, playing video games, and going for walks with her dog.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
Featured in