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Condo insurance isn’t required by law in Oklahoma, but your mortgage company likely requires it. Condo insurance is a home insurance policy that covers everything inside your condo, while the homeowners association’s insurance covers the outside of your building and common areas.

Depending on your HOA’s rules, your condo insurance may cover not only personal property, but also provides dwelling coverage known as building property coverage, for the interior of the structure. Make sure you know how much condo insurance you need before you buy condo insurance.

To find the best condo insurance in Oklahoma, we’ve gathered data on the top companies. Below you’ll find a list of the best condo insurance companies in Oklahoma with average annual rates.

Key takeaways

  • The residents of Oklahoma pay an average of $980 per year for condo insurance for a coverage level of $60,000 for personal property, $300,000 for liability protection with a $1,000 deductible.
  • Based on the analysis by Insurance.com, State Farm is the top pick for the best condo insurance company in Oklahoma.
  • Oklahoma Farm Bureau offers the cheapest condo insurance in Oklahoma at an average of $356 per year.

Best condo insurance companies in Oklahoma

In Oklahoma, you have a lot of options when it comes to finding the best condo insurance company. To make your task easier, our insurance experts have analyzed premiums, coverage offerings, J.D Power score and customer satisfaction ratings of major insurers in Oklahoma. Below are the best condo insurance companies in Oklahoma based on Insurance.com’s analysis.

CompanyJ.D. Power ScoreAM Best RatingAverage rating (out of 5)
State Farm829A++
3.9
USAA884A++
3.8
Allstate815A+
3.1
Farmers792A
2.8

Average cost of condo insurance in Oklahoma

The average cost of condo insurance in Oklahoma is $980 a year or $82 a month with $1,000 as deductible, $60,000 in personal property coverage, and liability coverage of $300,000. Your average annual premium will vary depending on your location, the coverage limits you select, and the deductible amount among other factors.

To find the most affordable policy for your situation, compare quotes from multiple providers based on the coverage you need.

Average Annual PremiumAverage Monthly Premium
$980$82

CONDO INSURANCE CALCULATOR

Average condo insurance rates in OKLAHOMA

$60,000
$1,000
$100,000
74110 - Tulsa
Personal Property Coverage $60,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $1,225

HIGHEST RATE: $2,858 LOWEST RATE: $356

Most & least expensive zip codes for condo insurance in Oklahoma

Most Expensive

Zip CodeCityHighest Rate
74441Hulbert$1,270
74434Fort Gibson$1,268
74131Sapulpa$1,265
74136Tulsa$1,259

Least Expensive

Zip CodeCityLowest Rate
73019Norman$984
73097Wheatland$986
73703Enid$987
73012Edmond$991

Condo insurance rates by company in Oklahoma

Rates for condo insurance by company in Oklahoma vary. It’s important to shop around and compare quotes to find the best price. 

In the table given below, you’ll see condo insurance rates for major companies in Oklahoma. The cheapest company for condo insurance in Oklahoma is Oklahoma Farm Bureau. Shelter Insurance, and State Farm, are the second and third cheapest options.

CompanyAverage Annual Rate
Oklahoma Farm Bureau$356
Shelter Insurance$456
State Farm$660
Farmers$700
Allstate$954
USAA$1,493

Insurance.com compared condo insurance rates provided by Quadrant Data Solutions in 2022 for $60,000 of personal property coverage with a $1,000 deductible and $300,000 of liability coverage for all available ZIP codes and with a good credit score. The content was updated in 2023.

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