Best homeowners insurance in Oklahoma (August 23)
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Are you planning to buy the cheapest home insurance in Oklahoma? How much does home insurance in Oklahoma cost? Which are the best insurance companies in Oklahoma? We have reviewed all the insurers to bring you the best home insurance quotes in Oklahoma.
Why compare home insurance rates in Oklahoma:
- Considering Oklahoma's location in Tornado Alley, it makes sense that it has the highest average yearly homeowners premium in the United States.
- Oklahoma home insurance costs $3,531 yearly.
- The rate of homeowners insurance in Oklahoma starts at $1,961 for a year.
Oklahoma homeowners insurance: what you need to know
On average, homeowners insurance in Oklahoma costs around $3,531 annually. So, the cost of home insurance in Oklahoma is higher than the national average. Considering Oklahoma's location in Tornado Alley, it makes sense that it has one of the country's highest average yearly homeowners premiums.
Unfortunately, Oklahoma has the distinction of being one of the states in the nation that is most vulnerable to natural disasters. Despite having a very active tornado season, Oklahoma also has wildfires, floods, and storms. In addition, factors like the crime rate in your area may also impact the cost of Oklahoma home insurance. So, finding an affordable home insurance policy in the state will be a pain.
But, as a resident, you must find a cheap home insurance policy. Shopping around and comparing coverages from different insurers is the first step in locating affordable home insurance in Oklahoma City. Don't worry; our review will help you find the best home insurance quotes in Oklahoma and the best insurance companies in the state. Keep reading to know more!
What does a homeowners insurance policy cover?
The typical coverages include Liability, Dwelling, Personal Property, Medical payments to others, Other structures, and Additional living expenses. However, while buying a homeowners insurance policy, you must always check whether the insurers offer these coverages. The following are some coverages that you can buy additionally with Oklahoma home insurance.
- Flood insurance: Standard homeowners insurance policies do not cover damage from flooding. For protection, you must purchase a flood insurance policy from National Flood Insurance Program (NFIP) or private insurance companies.
- Coverage for earthquakes: As Oklahoma experiences more earthquakes, you must consider adding earthquake coverage to your policy. Most insurers provide this coverage, which you may add to your homeowners policy for extra security.
- Water backup: Although sewer backup coverage on house insurance is optional, agents recommend it strongly. It covers when you encounter a backup of water or sewage in a drain line that results in water damage.
What isn't covered by a typical homeowners insurance policy?
Floods, power outages, earthquakes, nuclear threats, insect and vermin infestations, sinkholes, wear, and tear, or purposeful loss don't get coverage. To ensure what coverages you get, it is better to check your Oklahoma homeowners insurance policy before buying.
The cheapest home insurance companies in Oklahoma
As the home insurance rates are high, a resident will be looking to buy the cheapest home insurance in Oklahoma. The best way is to get quotes from many insurers, compare them, and buy the cheapest one.
Don't worry, many insurers in the state offer lower insurance rates than the state average rate. The following are the cheapest home insurers in Oklahoma. With an average annual rate of $1,961, Safeco offers the most affordable home insurance in Oklahoma.
| Insurer | Average annual rate |
|---|---|
| Safeco | $1,961 |
| American National | $3,431 |
| Liberty Mutual | $3,488 |
| Farmers | $3,695 |
| USAA | $4,057 |
The best homeowners insurance in Oklahoma for poor credit
Insurers use your credit score to determine the type of risk you pose for coverage. They typically charge higher rates for persons with bad credit since they are more likely to file home insurance claims.
Oklahoma Farm Bureau is the most affordable Oklahoma home insurance company for people with bad credit, with an average annual premium of $5,123.
| Insurer | Average annual rate |
|---|---|
| Oklahoma Farm Bureau Insurance | $5,123 |
| USAA | $5,145 |
| Allstate | $5,493 |
| Farmers | $6,773 |
| State Farm | $8,723 |
The best homeowners insurance in Oklahoma for pool owners
Due to the increased risk of liability claims and increased likelihood of injuries from swimming pools, pool owners may see higher home insurance rates. Allstate offers the most reasonable homeowners insurance in Oklahoma for homes with swimming pools, with an average yearly premium of $3,367.
| Insurer | Average annual rate |
|---|---|
| Allstate | $3,367 |
| Farmers | $3,412 |
| Oklahoma Farm Bureau Insurance | $3,860 |
| USAA | $3,983 |
| State Farm | $5,081 |
Homeowners Insurance deductibles in Oklahoma
One of the options available when looking for a homeowners policy is where to put your deductible. The deductible is the entire amount the insured must pay to cover the damage. Your Oklahoma homeowners insurance premium may be affected by the deductible amount you select.
Consequently, higher insurance premiums are the outcome of a lower deductible. As a result, anyone wishing to decrease their insurance costs should consider raising their homeowners deductible.
| Deductible Level | Average annual rate |
|---|---|
| $500 | $4,287 |
| $1,000 | $3,935 |
| $1,500 | $3,684 |
| $2,000 | $3,464 |
| $5,000 | $3,049 |
Oklahoma home insurance prices by coverage levels
The coverage level you choose impacts your homeowner insurance in Oklahoma rates. The cost of homeowner insurance in Oklahoma City is $1,965 per year for coverage up to $100,000. After that, it increases to $5,881 per year for coverage up to $400,000.
| Dwelling coverage cost | Average annual rate |
|---|---|
| $100,000 | $1,965 |
| $200,000 | $3,238 |
| $250,000 | $3,935 |
| $400,000 | $5,881 |
Oklahoma Homeowners insurance costs by city
The cost of home insurance may change depending on where Oklahoma City you live. It is because the number of claims submitted in your neighborhood is one of the factors that insurers consider when calculating the cost of your insurance policy. As a result, your area might greatly impact how much your home insurance in Oklahoma will cost.
Insurers may view certain neighborhoods as higher risk due to fire dangers, crime rates, and even how near you are to emergency services. The following are the insurance rates of some areas in the state.
| City | Average annual rate |
|---|---|
| Achille | $2,104 |
| Ada | $2,171 |
| Adair | $1,905 |
| Adams | $2,302 |
| Addington | $2,173 |
| Afton | $1,979 |
| Agra | $2,150 |
| Akins | $2,006 |
| Albany | $2,362 |
| Albert | $2,489 |
| Albion | $2,055 |
| Alderson | $2,100 |
| Alex | $2,370 |
| Aline | $2,367 |
| Allen | $2,155 |
| Altus | $2,328 |
| AltusAirForceBase | $2,255 |
| Alva | $2,373 |
| Amber | $2,463 |
| Ames | $2,355 |
| Amorita | $2,231 |
| Anadarko | $2,362 |
| Antlers | $1,987 |
| Apache | $2,318 |
| Arapaho | $2,509 |
| Arcadia | $2,628 |
| Ardmore | $2,122 |
| Arkoma | $1,930 |
| Arnett | $2,495 |
| Asher | $2,209 |
| Atoka | $2,127 |
| Atwood | $2,172 |
| Avant | $2,437 |
| Balko | $2,487 |
| Barnsdall | $1,963 |
| Bartlesville | $1,915 |
| Battiest | $2,346 |
| Beaver | $2,497 |
| Beggs | $2,087 |
| Bell | $2,008 |
| Bennington | $2,047 |
| Bessie | $2,518 |
| Bethany | $2,593 |
| Bethel | $1,990 |
| BethelAcres | $2,341 |
| BigCabin | $2,072 |
| Billings | $2,377 |
| Binger | $2,458 |
| Bison | $2,192 |
| Bixby | $1,935 |
| Blackwell | $2,236 |
| Blair | $2,398 |
| Blanchard | $2,560 |
| Blanco | $2,067 |
| Blocker | $2,365 |
| Bluejacket | $2,008 |
| BoiseCity | $2,360 |
| Bokchito | $2,075 |
| Bokoshe | $1,972 |
| Boley | $2,266 |
| Boswell | $1,960 |
| Bowlegs | $2,221 |
| Boynton | $2,033 |
| Bradley | $2,230 |
| Braggs | $1,991 |
| Braman | $2,269 |
| Bristow | $2,191 |
| BrokenArrow | $1,943 |
| BrokenBow | $1,979 |
| Bromide | $2,402 |
| Brushy | $2,001 |
| Buffalo | $2,442 |
| Bunch | $2,019 |
| Burbank | $2,008 |
| Burlington | $2,231 |
| Burneyville | $2,287 |
| BurnsFlat | $2,630 |
| Bushyhead | $1,909 |
| Butler | $2,456 |
| Byars | $2,262 |
| Byng | $2,174 |
| Cache | $2,295 |
| Caddo | $2,098 |
| Calera | $2,093 |
| Calumet | $2,559 |
| Calvin | $2,129 |
| Camargo | $2,302 |
| Cameron | $1,967 |
| Canadian | $2,009 |
| Caney | $2,125 |
| Canton | $2,573 |
| Canute | $2,421 |
| Cardin | $2,297 |
| Carlisle | $2,033 |
| Carmen | $2,262 |
| Carnegie | $2,372 |
| Carney | $2,263 |
| Carrier | $2,205 |
| Carter | $2,306 |
| Cartwright | $2,053 |
| Cashion | $2,646 |
| Castle | $2,225 |
| Catoosa | $1,938 |
| CedarCrest | $1,919 |
| Cement | $2,407 |
| Centrahoma | $2,091 |
| CentralHigh | $2,343 |
| Chandler | $2,222 |
| Chattanooga | $2,205 |
| Checotah | $2,120 |
| Chelsea | $1,971 |
| Cherokee | $2,391 |
| Chester | $2,304 |
| Chewey | $1,989 |
| Cheyenne | $2,459 |
| Chickasha | $2,389 |
| Choctaw | $2,660 |
| Chouteau | $1,920 |
| Claremore | $1,906 |
| Clarita | $2,370 |
| Clayton | $1,969 |
| CleoSprings | $2,373 |
| Cleora | $1,982 |
| Cleveland | $2,135 |
| Clinton | $2,485 |
| Coalgate | $2,125 |
| Colbert | $2,037 |
| Colcord | $1,892 |
| Coleman | $2,094 |
| Collinsville | $2,020 |
| Colony | $2,485 |
| Comanche | $2,403 |
| Commerce | $1,958 |
| Concho | $2,672 |
| Connerville | $2,439 |
| Cookson | $2,014 |
| Copan | $1,920 |
| Copeland | $1,965 |
| Cordell | $2,492 |
| Corn | $2,496 |
| CouncilHill | $2,147 |
| Countyline | $2,424 |
| Covington | $2,391 |
| Coweta | $2,031 |
| Coyle | $2,392 |
| Crawford | $2,361 |
| Crescent | $2,506 |
| Cromwell | $2,276 |
| Crowder | $2,059 |
| Cushing | $2,204 |
| CusterCity | $2,306 |
| Cyril | $2,429 |
| Dacoma | $2,285 |
| Daisy | $2,035 |
| Davenport | $2,184 |
| Davidson | $2,396 |
| Davis | $2,157 |
| DeerCreek | $2,226 |
| DelCity | $2,628 |
| Delaware | $1,917 |
| Depew | $2,159 |
| Devol | $2,264 |
| Dewar | $2,229 |
| Dewey | $1,919 |
| Dibble | $2,546 |
| Dickson | $2,127 |
| DillCity | $2,422 |
| Disney | $2,227 |
| Dougherty | $2,406 |
| Douglas | $2,192 |
| Dover | $2,509 |
| Drummond | $2,295 |
| Drumright | $2,182 |
| DryCreek | $2,013 |
| Duke | $2,374 |
| Duncan | $2,335 |
| Durant | $2,099 |
| Durham | $2,367 |
| Dustin | $2,195 |
| Eagletown | $1,924 |
| Eakly | $2,317 |
| Earlsboro | $2,281 |
| Edmond | $2,527 |
| ElReno | $2,604 |
| Eldorado | $2,270 |
| Elgin | $2,250 |
| ElkCity | $2,432 |
| Elmer | $2,233 |
| ElmoreCity | $2,160 |
| Enid | $2,249 |
| Erick | $2,489 |
| Eucha | $1,990 |
| Eufaula | $2,090 |
| FairOaks | $1,956 |
| Fairfax | $2,026 |
| Fairland | $1,968 |
| Fairmont | $2,188 |
| Fairview | $2,385 |
| Fanshawe | $2,062 |
| Fargo | $2,454 |
| Faxon | $2,311 |
| Fay | $2,449 |
| Felt | $2,139 |
| Finley | $1,959 |
| Fittstown | $2,163 |
| Fitzhugh | $2,136 |
| Fletcher | $2,268 |
| ForestPark | $2,707 |
| Forgan | $2,473 |
| FortCobb | $2,352 |
| FortGibson | $1,937 |
| FortSupply | $2,309 |
| FortTowson | $1,963 |
| Foss | $2,409 |
| Foster | $2,196 |
| Fox | $2,221 |
| Foyil | $2,262 |
| Francis | $2,422 |
| Frederick | $2,344 |
| Freedom | $2,363 |
| Gage | $2,370 |
| Gans | $1,906 |
| Garber | $2,395 |
| Garvin | $1,940 |
| Gate | $2,407 |
| Geary | $2,614 |
| GeneAutry | $2,409 |
| Geronimo | $2,300 |
| Glencoe | $2,166 |
| Glenpool | $2,026 |
| Golden | $2,305 |
| Goldsby | $2,446 |
| Goltry | $2,248 |
| Goodwell | $2,384 |
| Gore | $2,027 |
| Gotebo | $2,242 |
| Gould | $2,242 |
| Gowen | $2,335 |
| Gracemont | $2,441 |
| Graham | $2,155 |
| Grandfield | $2,378 |
| Grandview | $1,934 |
| Granite | $2,408 |
| Grant | $2,020 |
| Greenfield | $2,397 |
| Grove | $1,960 |
| Guthrie | $2,516 |
| Guymon | $2,386 |
| Haileyville | $2,045 |
| Hallett | $2,303 |
| Hammon | $2,464 |
| Hanna | $2,125 |
| Hardesty | $2,338 |
| Harrah | $2,635 |
| Hartshorne | $2,034 |
| Haskell | $1,999 |
| Hastings | $2,253 |
| Haworth | $1,990 |
| Headrick | $2,269 |
| Healdton | $2,149 |
| Heavener | $1,992 |
| Helena | $2,369 |
| Hendrix | $2,018 |
| Hennepin | $2,178 |
| Hennessey | $2,534 |
| Henryetta | $2,120 |
| Hillsdale | $2,455 |
| Hinton | $2,602 |
| Hitchcock | $2,382 |
| Hitchita | $2,339 |
| Hobart | $2,391 |
| Hodgen | $1,940 |
| Holdenville | $2,153 |
| Hollis | $2,371 |
| Hollister | $2,242 |
| Hominy | $2,164 |
| Honobia | $2,034 |
| Hooker | $2,467 |
| Hopeton | $2,442 |
| Howe | $1,992 |
| Hoyt | $2,306 |
| Hugo | $1,982 |
| Hulbert | $1,973 |
| Hunter | $2,309 |
| Hydro | $2,494 |
| Idabel | $1,933 |
| Indiahoma | $2,301 |
| Indianola | $2,007 |
| Inola | $1,932 |
| Isabella | $2,325 |
| Jay | $1,993 |
| Jenks | $1,930 |
| Jennings | $2,130 |
| Jet | $2,223 |
| Jones | $2,687 |
| Justice | $1,903 |
| Kansas | $1,877 |
| Katie | $2,155 |
| KawCity | $2,248 |
| Kellyville | $2,160 |
| Kemp | $2,122 |
| Kenefic | $2,125 |
| Kenton | $2,119 |
| Kenwood | $1,966 |
| Keota | $1,990 |
| Ketchum | $2,316 |
| Keyes | $2,378 |
| Kiefer | $2,245 |
| Kingfisher | $2,556 |
| Kingston | $2,143 |
| Kinta | $2,014 |
| Kiowa | $2,034 |
| Konawa | $2,157 |
| Krebs | $2,010 |
| Kremlin | $2,311 |
| Lahoma | $2,201 |
| Lamar | $2,126 |
| Lamont | $2,334 |
| Lane | $2,112 |
| Langley | $2,296 |
| Langston | $2,361 |
| Laverne | $2,514 |
| Lawton | $2,278 |
| Lebanon | $2,148 |
| Leedey | $2,431 |
| Leflore | $2,106 |
| Lehigh | $2,381 |
| Lenapah | $1,927 |
| Leon | $2,188 |
| Leonard | $2,347 |
| Lequire | $2,305 |
| Lexington | $2,491 |
| Limestone | $1,902 |
| Lindsay | $2,201 |
| Loco | $2,200 |
| LocustGrove | $1,920 |
| LoneGrove | $2,141 |
| LoneWolf | $2,420 |
| Long | $1,938 |
| Longdale | $2,246 |
| Longtown | $2,103 |
| Lookeba | $2,578 |
| Loveland | $2,236 |
| Loyal | $2,572 |
| Lucien | $2,242 |
| Luther | $2,671 |
| Macomb | $2,311 |
| Madill | $2,150 |
| Manchester | $2,240 |
| Mangum | $2,379 |
| Manitou | $2,488 |
| Mannford | $2,174 |
| Mannsville | $2,138 |
| Maramec | $2,181 |
| MarbleCity | $2,090 |
| Marietta | $2,304 |
| Marland | $2,268 |
| Marlow | $2,352 |
| Marshall | $2,280 |
| Martha | $2,461 |
| Maud | $2,196 |
| May | $2,365 |
| Maysville | $2,262 |
| McAlester | $2,017 |
| McCord | $2,266 |
| McCurtain | $2,055 |
| McLoud | $2,352 |
| Mead | $2,105 |
| Medford | $2,327 |
| MedicinePark | $2,184 |
| Meeker | $2,235 |
| Meers | $2,389 |
| Meno | $2,253 |
| Meridian | $2,459 |
| Miami | $1,954 |
| MidwestCity | $2,712 |
| Milburn | $2,115 |
| Milfay | $2,412 |
| MillCreek | $2,146 |
| Millerton | $2,010 |
| Minco | $2,493 |
| Moffett | $2,275 |
| Monroe | $2,310 |
| Moodys | $2,314 |
| Moore | $2,623 |
| Mooreland | $2,452 |
| Morris | $2,024 |
| Morrison | $2,367 |
| Mounds | $2,205 |
| MountainPark | $2,217 |
| MountainView | $2,389 |
| Moyers | $2,059 |
| Muldrow | $1,935 |
| Mulhall | $2,450 |
| Muse | $2,011 |
| Muskogee | $1,939 |
| Mustang | $2,645 |
| Mutual | $2,416 |
| Nardin | $2,145 |
| Nash | $2,218 |
| Nashoba | $2,032 |
| NewCordell | $2,493 |
| Newalla | $2,675 |
| Newcastle | $2,559 |
| Newkirk | $2,225 |
| NicholsHills | $2,677 |
| NicomaPark | $2,657 |
| Ninnekah | $2,433 |
| Noble | $2,529 |
| Norman | $2,506 |
| NorthEnid | $2,267 |
| NorthMiami | $2,027 |
| Nowata | $2,075 |
| Oakhurst | $2,003 |
| Oakland | $2,153 |
| Oaks | $1,863 |
| Oakwood | $2,418 |
| Ochelata | $1,900 |
| Oilton | $2,346 |
| Okarche | $2,665 |
| Okay | $2,226 |
| Okeene | $2,427 |
| Okemah | $2,277 |
| OklahomaCity | $2,662 |
| Okmulgee | $2,195 |
| Oktaha | $2,053 |
| Olustee | $2,370 |
| Omega | $2,463 |
| Oologah | $1,932 |
| Orlando | $2,282 |
| Osage | $2,090 |
| Oscar | $2,454 |
| Overbrook | $2,191 |
| Owasso | $1,925 |
| Paden | $2,268 |
| Panama | $2,268 |
| Panola | $2,063 |
| Paoli | $2,182 |
| ParkHill | $1,928 |
| PaulsValley | $2,169 |
| Pawhuska | $1,946 |
| Pawnee | $2,129 |
| Peggs | $1,920 |
| Perkins | $2,136 |
| Perry | $2,370 |
| Pettit | $1,919 |
| Picher | $1,961 |
| Pickens | $2,312 |
| Piedmont | $2,606 |
| Pink | $2,315 |
| Pittsburg | $2,026 |
| Platter | $2,377 |
| Pocasset | $2,335 |
| Pocola | $1,985 |
| PoncaCity | $2,251 |
| PondCreek | $2,352 |
| Porter | $1,923 |
| Porum | $2,021 |
| Poteau | $2,041 |
| Prague | $2,234 |
| Preston | $2,441 |
| Proctor | $2,023 |
| Prue | $2,080 |
| Pryor | $1,959 |
| PryorCreek | $1,950 |
| Purcell | $2,445 |
| Putnam | $2,262 |
| Quapaw | $2,001 |
| Quinton | $2,002 |
| Ralston | $2,219 |
| Ramona | $2,020 |
| Randlett | $2,358 |
| RatliffCity | $2,168 |
| Rattan | $1,952 |
| Ravia | $2,408 |
| RedOak | $2,026 |
| RedRock | $2,382 |
| Redbird | $2,066 |
| Rentiesville | $2,361 |
| Reydon | $2,323 |
| Ringling | $2,353 |
| Ringold | $1,971 |
| Ringwood | $2,386 |
| Ripley | $2,176 |
| Rocky | $2,390 |
| RockyMountain | $2,006 |
| Roff | $2,130 |
| Roland | $1,835 |
| Roosevelt | $2,362 |
| Rose | $2,044 |
| Rosston | $2,314 |
| Rufe | $1,989 |
| RushSprings | $2,339 |
| Ryan | $2,379 |
| Salina | $2,028 |
| Sallisaw | $2,003 |
| SamsCorner | $1,923 |
| SandHill | $1,921 |
| SandSprings | $2,044 |
| Sapulpa | $2,194 |
| Sasakwa | $2,196 |
| Savanna | $2,027 |
| Sawyer | $1,946 |
| Sayre | $2,450 |
| Schulter | $2,194 |
| Seiling | $2,413 |
| Seminole | $2,219 |
| Sentinel | $2,434 |
| Sequoyah | $1,914 |
| ShadyGrove | $2,046 |
| ShadyPoint | $1,985 |
| Shamrock | $2,397 |
| Sharon | $2,333 |
| Shattuck | $2,502 |
| Shawnee | $2,306 |
| Shidler | $2,095 |
| Simms | $2,009 |
| Skiatook | $2,060 |
| Slaughterville | $2,511 |
| Slick | $2,351 |
| Smithville | $1,977 |
| SnakeCreek | $1,918 |
| Snow | $2,018 |
| Snyder | $2,378 |
| Soper | $1,945 |
| SouthCoffeyville | $2,057 |
| Southard | $2,433 |
| Sparks | $2,228 |
| Spavinaw | $2,005 |
| Spencer | $2,696 |
| Spencerville | $2,021 |
| Sperry | $1,964 |
| Spiro | $1,952 |
| Springer | $2,135 |
| St.Louis | $2,461 |
| Sterling | $2,563 |
| Stidham | $2,364 |
| Stigler | $2,045 |
| Stillwater | $2,194 |
| Stilwell | $2,007 |
| Stonewall | $2,143 |
| Strang | $2,012 |
| Stratford | $2,179 |
| Stringtown | $2,108 |
| Stroud | $2,225 |
| Stuart | $2,079 |
| Sulphur | $2,127 |
| Sweetwater | $2,295 |
| Swink | $2,059 |
| Taft | $1,930 |
| Tahlequah | $1,931 |
| Talala | $2,006 |
| Talihina | $1,973 |
| Taloga | $2,403 |
| Tatums | $2,376 |
| Tecumseh | $2,315 |
| Temple | $2,388 |
| Tenkiller | $1,928 |
| Terlton | $2,083 |
| Terral | $2,245 |
| Texanna | $2,093 |
| Texhoma | $2,399 |
| Texola | $2,284 |
| Thackerville | $2,157 |
| TheVillage | $2,663 |
| Thomas | $2,602 |
| Tipton | $2,380 |
| Tishomingo | $2,141 |
| Titanic | $2,006 |
| Tonkawa | $2,248 |
| Tryon | $2,222 |
| Tulsa | $1,950 |
| Tupelo | $2,136 |
| Turley | $1,870 |
| Turpin | $2,496 |
| Tuskahoma | $2,016 |
| Tussy | $2,181 |
| Tuttle | $2,508 |
| TwinOaks | $1,947 |
| Tyrone | $2,476 |
| UnionCity | $2,571 |
| ValleyBrook | $2,613 |
| Valliant | $1,928 |
| Velma | $2,570 |
| Vera | $2,135 |
| Verden | $2,397 |
| Verdigris | $1,897 |
| Vian | $2,038 |
| Vici | $2,443 |
| Vinita | $2,069 |
| Vinson | $2,259 |
| Wagoner | $2,033 |
| Wainwright | $2,350 |
| Wakita | $2,375 |
| Walters | $2,323 |
| Wanette | $2,244 |
| Wann | $2,036 |
| Wapanucka | $2,078 |
| Wardville | $2,088 |
| Warner | $1,914 |
| WarrAcres | $2,645 |
| Washington | $2,434 |
| Watonga | $2,518 |
| Watson | $1,920 |
| Watts | $1,989 |
| Waukomis | $2,288 |
| Waurika | $2,379 |
| Wayne | $2,393 |
| Waynoka | $2,404 |
| Weatherford | $2,528 |
| WebbersFalls | $1,901 |
| Welch | $2,027 |
| Weleetka | $2,217 |
| Welling | $2,003 |
| Wellston | $2,332 |
| Westville | $2,012 |
| Wetumka | $2,221 |
| Wewoka | $2,264 |
| Wheatland | $2,757 |
| Whitefield | $2,019 |
| Whitesboro | $1,954 |
| Wilburton | $2,006 |
| Willow | $2,316 |
| Wilson | $2,161 |
| Wister | $2,061 |
| Woodall | $1,934 |
| Woodward | $2,400 |
| WrightCity | $1,933 |
| Wyandotte | $1,960 |
| Wynnewood | $2,131 |
| Wynona | $2,172 |
| Yale | $2,199 |
| Yukon | $2,681 |
| Zeb | $1,934 |
Home and auto insurance bundling in Oklahoma
What's one way by which you can reduce the rate of homeowner insurance in Oklahoma? It's by combining the home and auto insurance policies. Buying both policies from the same insurer will save considerably on your home insurance in Oklahoma.
Home Insurance Discounts in Oklahoma
Every resident will be trying to buy cheap Oklahoma homeowners insurance. However, the average Oklahoma home insurance rate is very high. But, you can lower that by using your insurer's discounts.
There are numerous discounts that every insurer offers. However, be mindful that not all insurers offer every discount available on the market. So, always check the available discounts and use the ones you qualify for.
| Insurer | Bundling Discounts | Loyalty Discounts | Military Discounts | New Home Credit Discounts | Claim-Free Discounts | Protective Devices Discounts |
|---|---|---|---|---|---|---|
| Farmers | ✓ | ✓ | - | ✓ | ✓ | ✓ |
| Allstate | ✓ | ✓ | - | ✓ | ✓ | - |
| State Farm | ✓ | - | - | - | ✓ | ✓ |
| USAA | ✓ | ✓ | ✓ | - | ✓ | ✓ |
| Nationwide | ✓ | - | - | ✓ | ✓ | ✓ |
| Liberty Mutual | ✓ | - | - | - | - | - |
| Progressive | ✓ | - | - | ✓ | - | ✓ |
| Amica | ✓ | - | - | ✓ | ✓ | ✓ |
| Chubb | ✓ | - | - | ✓ | ✓ | ✓ |
| Lemonade | ✓ | ✓ | - | - | - | ✓ |
Comparing Common Features Across Top Companies
Are you looking for the best insurance companies in Oklahoma? Then always ensure to check the features offered by every insurer. The following are the features offered by some major insurers in the state.
| Insurer | Identity Theft Protection | Valuable Possessions | Water Backup | Other Structures Coverage | Dwelling /Personal Property Replacement |
|---|---|---|---|---|---|
| Farmers | Optional | ✓ | No | Optional | Optional |
| Allstate | Optional | Optional | Optional | ✓ | Optional |
| State Farm | Optional | Optional | Optional | ✓ | Optional |
| USAA | ✓ | Optional | No | ✓ | ✓ |
| Nationwide | Optional | Optional | Optional | ✓ | Optional |
| Liberty Mutual | Optional | Optional | Optional | ✓ | Optional |
| Progressive | No | Optional | Optional | ✓ | ✓ |
| Amica | Optional | Optional | Optional | ✓ | Optional |
| Chubb | Optional | Optional | ✓ | ✓ | ✓ |
| Lemonade | ✓ | Optional | Optional | ✓ | ✓ |
Common Causes of Home Insurance Claims in Oklahoma
The state has a home insurance rate that is very higher than the national average. Since Oklahoma is prone to many disasters, try adding extra coverage to your homeowners insurance policy. The following are a few factors that lead to frequent home insurance claims in the state.
- Tornadoes: Due to Oklahoma's location in Tornado Alley, homeowners insurance is high. Every year, many tornadoes make landfall around the state. For instance, 39 twisters happened in the state in 2021.
- Hail: Oklahoma experienced 159 hail incidents in 2021, ranking it the fifth-most active state in the nation. Strong summer storms frequently produce hail, which frequently coincides with tornadic activity.
- Earthquakes: In Oklahoma, earthquakes started to occur more frequently in 2009, largely due to the techniques used in oil and gas production. Even while Oklahoma earthquakes may be less powerful than those in other regions of the nation, they nevertheless have the potential to harm your home and property.
Natural disaster coverage in Oklahoma
Does homeowners insurance cover wind damage in Oklahoma?
In Oklahoma, tornadoes and severe winds are possible during thunderstorms. Even though your Oklahoma homeowners insurance covers wind damage, your coverage might not be sufficient to repair your home during a total loss. Consider upgrading your insurance policy to replacement cost coverage, which doesn't consider the depreciation of your property following a claim.
Does homeowners insurance cover hail damage in Oklahoma?
Thunderstorms in Oklahoma can also produce large hail. Homeowners insurance in Oklahoma ideally covers hail. But given how frequently hailstorms occur in the state, it could be wise to take extra measures like strengthening your roof and windows. Additionally, most home insurance providers provide discounts for installing impact windows.
You could experience winter storms that drop freezing rain during Oklahoma's winter. Most likely, freezing is subject to your homeowners insurance restrictions. For instance, home insurance does not typically cover plumbing system freezing. Therefore, verifying with your insurer determines what your coverage offers is best.
Does homeowners insurance cover flooding in Oklahoma?
Normally, no homeowners insurance policy covers damages related to flooding. Therefore, you must purchase additional coverage to protect your house against flooding. To safeguard your home from flood damage, purchase coverage via the National Flood Insurance Program (NFIP) of FEMA or a commercial insurer. However, NFIP flood insurance offers the following coverage, although private flood insurance policies may give alternative coverage.
- Your home's structure - $250,000
- Personal property - $100,000
Factors that Affect Home Insurance Rates in Oklahoma
Are you planning to buy the cheapest home insurance in Oklahoma? Then consider these factors before buying one.
- Your location: If you reside in a region with a high crime rate, your homeowners insurance rates in Oklahoma will be expensive.
- Replacement cost: Depending on your area's labor and building materials, your insurance costs will change.
- Age/condition: In Oklahoma, it is always less expensive to insure newer homes than older ones.
- Claims history: If you frequently file claims, insurers will view you as a risk. If you file claims regularly, be prepared to pay higher premiums for homeowners insurance in Oklahoma.
- Credit history: Most insurers will verify your credit score before providing a house insurance policy. You must pay higher premiums if your credit score is low.
- Dog breed: Some dog breeds are considered 'dangerous' by insurance companies. You have to pay higher premiums if you own a dog that your insurance deems so.
Tips for Buying Homeowners Insurance
Follow these tips to buy the best homeowners insurance in Oklahoma.
- Assess your rebuilding costs: Consult your insurance agent or a builder to determine the cost of rebuilding your house with inexpensive materials and local labor.
- Review the advantage of replacement cost over actual cash value: Consider purchasing replacement cost insurance for your house and personal property.
- Consider add-on coverage for your expensive items: If you own expensive items like high-end gadgets, sporting equipment, musical instruments, or even antiques, personal property coverage can be required.
- Evaluate your liability coverage needs: Determine how much liability insurance you require.
- Assess coverage gaps: Some insurance carriers offer greater coverage limits for landscaping items like trees and bushes.
- Check financial ratings: Ratings for insurance from companies like AM Best and Standard & Poor's may be available for all home insurers. For instance, some organizations won't allow you to apply for a mortgage if your insurer doesn't have a minimum 'A' financial strength rating.
- Check for discounts: Confirm that you are utilizing all of your insurer's discounts.
- Compare quotes from various insurance companies: In Oklahoma, different insurance companies may charge varying rates for the same house insurance policy. Therefore, you want to compare quotes from various insurers and purchase Oklahoma homeowners insurance at the lowest possible rate.
Most Common Disasters in Oklahoma
Fires are the most frequently reported disaster in Oklahoma, which are frequently spread by the wind.
Disasters by month
According to FEMA, March and April are often the busiest months for declared disasters in Oklahoma.
| Month | Number of disasters |
|---|---|
| January | 27 |
| February | 18 |
| March | 28 |
| April | 28 |
| May | 20 |
| June | 17 |
| July | 16 |
| August | 19 |
| September | 11 |
| October | 6 |
| November | 10 |
| December | 10 |
Disasters by year
According to FEMA, Oklahomans have seen an average of nearly eight declared disasters yearly since 2001. 2011 was the busiest year for declared disasters, with 25 fires damaging the state.
| Year | Number of disasters |
|---|---|
| 2001 | 3 |
| 2002 | 1 |
| 2003 | 3 |
| 2004 | 0 |
| 2005 | 8 |
| 2006 | 24 |
| 2007 | 9 |
| 2008 | 8 |
| 2009 | 10 |
| 2010 | 5 |
| 2011 | 30 |
| 2012 | 9 |
| 2013 | 2 |
| 2014 | 2 |
| 2015 | 3 |
| 2016 | 5 |
| 2017 | 6 |
| 2018 | 4 |
| 2019 | 6 |
| 2020 | 15 |
How to Get Oklahoma Home Insurance with Way.com
Since Oklahoma is one of the states with the most expensive home insurance rates, every resident will be looking to buy the cheapest insurance policy. But, it can be challenging to find one. So, how can you buy low-cost homeowners insurance in Oklahoma?
That's where Way.com becomes your best friend. Visit our website or app, compare the quotes from various insurance companies, and buy the one with the cheapest quote. Similarly, our home insurance agents in Oklahoma can help you. They will help you understand the state's most complex home insurance rules, terms, discounts, and coverages. So, speak to our agents if you want to buy the cheapest Oklahoma home insurance.
Home Insurance Data Methodology
The home insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
FAQs
How much is home insurance in Oklahoma?
On average, an Oklahoma home insurance costs you $3,531 yearly.
How do I get homeowners insurance in Oklahoma?
The first thing you'll do is compare homeowners insurance quotes. You can get it online, by phone, or by visiting a nearby insurance office. But, first, you must provide information about your home, like its address, the year it was built, the roof's age, and any custom or distinctive features.
Also, you'll need to provide some information about yourself, such as your name, birth date, and even your Social Security number. The company's representative will explain the next steps to you after you've decided on the quote you want to buy.
Do I need flood insurance in Oklahoma?
Yes. Oklahoma is prone to natural disasters. Since flood coverage doesn't include in a standard home insurance policy, you may need to buy it as extra coverage.
Am I required to have homeowners insurance in Oklahoma?
No, Oklahoma doesn't have a law requiring homeowners insurance. Still, your mortgage company will probably demand it before approving a loan.
What is the best cheap home insurance company in Oklahoma?
With a yearly average rate of $1,961, Safeco offers the most affordable Oklahoma home insurance.
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