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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

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.

CompanyOverall ratingJ.D. Power scoreAM Best rating
Hartford5798A+
State Farm4835A++
Allstate4829A+
Farmers4813A
Safeco4810A
Chubb4801A++
Progressive3821A+
Liberty Mutual3806A
Travelers2800A++

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 premiumAverage 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 codeAverage 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 codeAverage 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 nameAverage 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$2,08230%
State Farm$2,00035%
American Natl$1,42331%
Shelter Insurance$1,26727%
Oklahoma Farm Bureau$94725%
Travelers$92319%
Farmers$78520%
Great Northern Insurance$65610%
USAA$4609%
American Farmers & Ranchers$35310%
Allstate$32211%
Foremost Insurance$671%

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