- Best home insurance companies in Oklahoma: Oklahoma Farm Bureau
- Cheapest home insurance companies in Oklahoma: Oklahoma Farm Bureau
- Average home insurance cost in Oklahoma
- Oklahoma home insurance rates by ZIP code
- Oklahoma homeowners insurance rates by county
- Compare homeowners insurance rates by city in Oklahoma
- What can I do to get cheaper home insurance in Oklahoma?
- Methodology
- Compare Oklahoma homeowners insurance rates with other states
Best home insurance companies in Oklahoma: Oklahoma Farm Bureau
The best home insurance company in Oklahoma for 2025 is Oklahoma Farm Bureau. Shelter Insurance and State Farm 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.
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.
| 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.
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 by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 78559 | Iglesia Antigua | $1,956 |
| 78593 | Santa Rosa | $1,999 |
| 79915 | El Paso | $2,008 |
| 79905 | El Paso | $2,009 |
The Oklahoma Insurance Department says...
Some agents may represent several companies, while some agents represent only a single company or company group. Some companies market their policies directly to consumers without using agents. To check as many companies' rates as possible, ask to see all the rates of all the companies the agent or company employee represents.
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 code | Average annual rate |
|---|---|
| 73644 | $6,836 |
| 73096 | $6,648 |
| 73669 | $6,629 |
| 73620 | $6,590 |
| 73645 | $6,554 |
| 73729 | $6,550 |
The least expensive ZIP codes in Oklahoma for home insurance
The cheapest ZIP codes for home insurance in Oklahoma are:
| ZIP code | Average annual rate |
|---|---|
| 74960 | $5,043 |
| 74344 | $5,052 |
| 74331 | $5,053 |
| 74941 | $5,092 |
| 74965 | $5,101 |
| 74901 | $5,114 |
Oklahoma homeowners insurance rates by county
Home insurance rates in Oklahoma vary by county. Take a look at the average rates by county in Oklahoma below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Adair | $5,206 | $434 |
| Alfalfa | $6,330 | $527 |
| Atoka | $5,975 | $498 |
| Beaver | $6,202 | $517 |
| Beckham | $6,396 | $533 |
| Blaine | $6,398 | $533 |
| Bryan | $5,772 | $481 |
| Caddo | $6,287 | $524 |
| Canadian | $6,073 | $506 |
| Carter | $5,955 | $496 |
| Cherokee | $5,446 | $454 |
| Choctaw | $5,587 | $466 |
| Cimarron | $6,178 | $515 |
| Cleveland | $5,919 | $493 |
| Coal | $5,956 | $496 |
| Comanche | $6,085 | $507 |
| Cotton | $5,996 | $500 |
| Craig | $5,278 | $440 |
| Creek | $6,006 | $501 |
| Custer | $6,536 | $545 |
| Delaware | $5,285 | $440 |
| Dewey | $6,280 | $523 |
| Ellis | $6,338 | $528 |
| Garfield | $6,093 | $508 |
| Garvin | $5,841 | $487 |
| Grady | $6,016 | $501 |
| Grant | $6,242 | $520 |
| Greer | $5,977 | $498 |
| Harmon | $5,940 | $495 |
| Harper | $6,167 | $514 |
| Haskell | $5,531 | $461 |
| Hughes | $5,933 | $494 |
| Jackson | $5,811 | $484 |
| Jefferson | $6,146 | $512 |
| Johnston | $5,832 | $486 |
| Kay | $5,942 | $495 |
| Kingfisher | $6,287 | $524 |
| Kiowa | $6,051 | $504 |
| Latimer | $5,840 | $487 |
| Le Flore | $5,392 | $449 |
| Lincoln | $5,905 | $492 |
| Logan | $6,026 | $502 |
| Love | $5,892 | $491 |
| Major | $6,361 | $530 |
| Marshall | $5,689 | $474 |
| Mayes | $5,353 | $446 |
| McClain | $6,009 | $501 |
| McCurtain | $5,496 | $458 |
| Mcintosh | $5,753 | $479 |
| Murray | $5,820 | $485 |
| Muskogee | $5,564 | $464 |
| Noble | $5,975 | $498 |
| Nowata | $5,328 | $444 |
| Okfuskee | $5,901 | $492 |
| Oklahoma | $5,973 | $498 |
| Okmulgee | $5,843 | $487 |
| Osage | $5,814 | $485 |
| Ottawa | $5,219 | $435 |
| Pawnee | $5,824 | $485 |
| Payne | $5,733 | $478 |
| Pittsburg | $5,886 | $490 |
| Pontotoc | $5,849 | $487 |
| Pottawatomie | $6,007 | $501 |
| Pushmataha | $5,706 | $476 |
| Roger Mills | $6,273 | $523 |
| Rogers | $5,448 | $454 |
| Seminole | $5,944 | $495 |
| Sequoyah | $5,405 | $450 |
| Stephens | $6,099 | $508 |
| Texas | $6,020 | $502 |
| Tillman | $6,078 | $507 |
| Tulsa | $5,470 | $456 |
| Wagoner | $5,559 | $463 |
| Washington | $5,466 | $455 |
| Washita | $6,140 | $512 |
| Woods | $6,001 | $500 |
| Woodward | $6,102 | $509 |
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.
City Annual insurance premium
What can I do to get cheaper home insurance in Oklahoma?
Oklahoma is among the most expensive states for home insurance, but there are ways to save. In addition to shopping around and asking about discounts, legislators are finding ways to reduce costs.
The Oklahoma Insurance Department (OID) has announced a pilot launch of its OKReady program to give out 100 grants of up to $10,000 per household to help Oklahoma residents strengthen their roofs. The grants can only be used for upgrading roofs to meet the Insurance Institute for Business & Home Safety (IBHS) FORTIFIED Home – Roof™ – High Wind designation with the Hail Supplement. The funds will be paid to the contractor only after the roof earns the IBHS FORTIFIED Certification. While this initial pilot is limited to 100 grants in eight ZIP codes OID hopes to expand its range and award up to 1,000 grants by the end of 2025.
Homes in the following ZIP codes will be eligible for the grants:
- 73049
- 73051
- 73065
- 73069
- 73111
- 73127
- 73129
- 73135
These upgrades can earn homeowners a discount on their home insurance.
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 20,739,560 insurance quotes from 81 insurance companies across 34,588 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
Compare Oklahoma homeowners insurance rates with other states
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