Best home insurance companies in Oklahoma: State Farm

The best home insurance company in Oklahoma for 2024 is State Farm. Allstate and Farmers are among other top home insurance companies in Oklahoma based on price, NAIC complaints, and AM Best financial ratings.

The total Insurance.com score is calculated out of five using these factors.

Best home insurance in Oklahoma
CompanyAM BestNAIC complaint ratioInsurance.com scoreAverage annual rate
State FarmA++0.834.61$5,108
AllstateA+1.463.39$4,445
FarmersA0.672.83$7,313
Data updated in 2024

Cheapest home insurance companies in Oklahoma: Oklahoma Farm Bureau

Below are Oklahoma home insurance rates by company for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible.

Based on our analysis, Oklahoma Farm Bureau offers the cheapest home insurance at $2,853 per year for $200,000 dwelling coverage and $4,225 per year for $300,000 dwelling coverage. Meanwhile, Allstate is the most affordable option we found for $400,000 and $600,000 dwelling coverage, priced at $5,111 and $7,245 per year respectively. For the highest dwelling coverage of $1,000,000, State Farm is the best choice for most homeowners at $10,006 annually.

Cheapest home insurance in Oklahoma
Company$200,000$300,000$400,000$600,000$1,000,000
Oklahoma Farm Bureau$2,853$4,225$5,682$8,376$13,716
Allstate$3,793$4,445$5,133$7,245$11,385
State Farm$3,977$5,108$6,062$7,619$10,006
Shelter Insurance$3,718$5,473$7,288$10,919$17,918
USAA*$4,740$6,267$7,533$9,930$14,542
Farmers$5,587$7,313$9,635$15,144$24,697

*USAA only provides coverage to military members, veterans and their families.

Data updated in 2024

Average home insurance cost in Oklahoma

The average cost of homeowners insurance in Oklahoma is $5,858 a year or $488 a month. This is based on coverage of:

  • $300,000 dwelling
  • $300,000 liability
  • $1,000 deductible.

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different Oklahoma homeowners insurance companies to get the best deal.

Oklahoma home insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Oklahoma to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

Home insurance calculator

Average home insurance rates in Texas
$200,000
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP codeCityHighest rate
77550Galveston$10,164
77586El Lago$9,906
77551Galveston$9,536
77554Galveston$9,358

Least expensive

ZIP codeCityLowest rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data updated in 2024

The most expensive ZIP codes in Oklahoma for home insurance

Oklahoma homeowners insurance rates are the most expensive for ZIP code 73644, with an average annual cost of $6,836.

The most expensive ZIP codes in Oklahoma are:

ZIP codeAverage annual rate
73644$6,836
73096$6,648
73669$6,629
73620$6,590
73645$6,554
73729$6,550
Data updated in 2024

The least expensive ZIP codes in Oklahoma for home insurance

The cheapest ZIP codes for home insurance in Oklahoma are:

ZIP codeAverage annual rate
74960$5,043
74344$5,052
74331$5,053
74941$5,092
74965$5,101
74901$5,114
Data updated in 2024

Compare homeowners insurance rates by city in Oklahoma

Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Oklahoma.

CityAnnual insurance premium
Oklahoma City
$4,520
Woodward
$4,766
Data updated in 2024

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