Hartford is one of the best homeowners insurance companies in Oklahoma, based on an analysis by Insurance.com. Its overall rating is 5, and it has earned 798 scores out of 1000 from J.D. Power and A.M Best rated it A+.
Whereas Chubb earned 801 scores out of 1000 from J.D. Power. Besides, A.M Best rated it A++, which is the highest ratings they offer.
With a lot of options out there, it is not easy to choose a homeowners insurance company in Oklahoma. You need a reliable insurer that can provide you with quality service at an affordable price. If this is what you're looking for, then keep on reading this guide.
- Best home insurance companies in Oklahoma
- Compare best homeowners insurance companies in Oklahoma
- Average cost of homeowners insurance in Oklahoma
- 10 Most expensive zip codes in Oklahoma for homeowners insurance
- 10 Least expensive zip codes in Oklahoma for homeowners insurance
- Cheap homeowners insurance in Oklahoma
- Home and auto bundle discounts in Oklahoma
Best home insurance companies in Oklahoma
If you're looking for the best homeowners insurance company in Oklahoma, we've got you covered. We've compiled a list of some of the top-rated insurers in the state and compared their rates, their customer satisfaction rating, J.D. Power score, claims handling and AM Best rating to help make your decision easier. Here is the list of best home insurance companies in Oklahoma:
- Hartford
- State Farm
- Allstate
- Farmers
- Safeco
Compare best homeowners insurance companies in Oklahoma
The best way to find the right homeowners insurance policy in Oklahoma is by getting quotes from multiple carriers. You should compare the rates and coverage options and see if they offer affordable homeowners insurance rates before deciding on the insurance company.
We have compared the home insurance carriers for Oklahoma homeowners using J.D. Power scores and ratings from A.M Best. Below are the best homeowners insurance companies along with their overall ratings.
| Company | Overall rating | J.D. Power score | AM Best rating |
|---|---|---|---|
| Hartford | 5 | 798 | A+ |
| State Farm | 4 | 835 | A++ |
| Allstate | 4 | 829 | A+ |
| Farmers | 4 | 813 | A |
| Safeco | 4 | 810 | A |
| Chubb | 4 | 801 | A++ |
| Progressive | 3 | 821 | A+ |
| Liberty Mutual | 3 | 806 | A |
| Travelers | 2 | 800 | A++ |
Average cost of homeowners insurance in Oklahoma
The average cost of Oklahoma homeowners insurance is $4,445 a year or $370 a month. Insurance prices vary because people have different insurance needs depending on where they live and what type of insurance coverage is required. Basic types include personal property, dwelling coverage, and additional living expenses. There are many different companies with various coverage options, so it's smart to compare home insurance quotes to get the best deal.
| Average annual premium | Average monthly premium |
|---|---|
| $4,445 | $370 |
10 Most expensive zip codes in Oklahoma for homeowners insurance
In Oklahoma, insurance companies consider your ZIP code to be an important metric while deciding on insurance premiums.
We have compared quotes from major insurance providers in Oklahoma for nearly all the ZIP codes. The most expensive ZIP code for home insurance in Oklahoma is 74857. Its average rate is $3,963 a year-- $1,658 more than the national average ($2,305).
Find below the average home insurance rates for other ZIP codes-
| ZIP code | Average annual rate |
|---|---|
| 74857 | $3,963 |
| 73016 | $3,949 |
| 73054 | $3,939 |
| 74947 | $3,933 |
| 73059 | $3,907 |
| 73009 | $3,902 |
| 73084 | $3,884 |
| 73141 | $3,877 |
| 73093 | $3,873 |
| 73121 | $3,872 |
10 Least expensive zip codes in Oklahoma for homeowners insurance
Homeowners insurance rates are determined by many factors, and one of the most important ones is your ZIP code. Some ZIP codes in Oklahoma have relatively lower home insurance costs than others. The least expensive ZIP code for home insurance is 74006; its average rate is $3,171 a year--- $1,274 less than the state average ($4,445).
Below is a list of the least expensive ZIP codes for homeowners insurance in Oklahoma-
| ZIP code | Average annual rate |
|---|---|
| 74006 | $3,171 |
| 74003 | $3,205 |
| 74104 | $3,227 |
| 74075 | $3,249 |
| 74114 | $3,250 |
| 74135 | $3,260 |
| 74333 | $3,264 |
| 74029 | $3,265 |
| 74112 | $3,271 |
| 74077 | $3,275 |
Cheap homeowners insurance in Oklahoma
Your home is likely one of the most valuable assets you own. Make sure you insure your home with one of the reliable Oklahoma homeowners insurance companies.
Based on Insurance.com's rate analysis, the cheapest homeowners insurance company in Oklahoma is Safeco. It offers home insurance at an average of $3,538 a year. Apart from Safeco, USAA, Garrison, and Farm Bureau offer cheap insurance rates to Oklahoma homeowners.
Find below the list of cheapest home insurance companies in Oklahoma and their average annual premium-
| Company name | Average annual premium |
|---|---|
| Safeco | $3,538 |
| USAA | $3,893 |
| Garrison | $4,168 |
| USAA | $4,237 |
| Farmers | $4,341 |
| Liberty | $4,523 |
| Travelers | $4,568 |
| Allstate | $4,844 |
| Foremost | $6,997 |
| State Farm | $7,468 |
| CSAA | $12,981 |
Home and auto bundle discounts in Oklahoma
Auto insurance companies often offer discounts to those who bundle their car and homeowners insurance policies. A home and auto bundle can save you an average of $940 a year or 19%, based on Insurance.com's rate analysis.
You can save an average of $2,082 a year or 30% if you bundle your home and auto insurance policies from CSAA Fire and Cas Insurance, the highest among the carriers surveyed.
Below we provide a list of top insurance companies in Oklahoma that offer discounts on home and auto bundles.
| Company | $ Bundle average saving | % Bundle average saving |
|---|---|---|
| CSAA Fire & Cas Insurance | $2,082 | 30% |
| State Farm | $2,000 | 35% |
| American Natl | $1,423 | 31% |
| Shelter Insurance | $1,267 | 27% |
| Oklahoma Farm Bureau | $947 | 25% |
| Travelers | $923 | 19% |
| Farmers | $785 | 20% |
| Great Northern Insurance | $656 | 10% |
| USAA | $460 | 9% |
| American Farmers & Ranchers | $353 | 10% |
| Allstate | $322 | 11% |
| Foremost Insurance | $67 | 1% |