The MFP’s Community Home Insurance Survey use Oklahoma homeowners opinions and recommendations on home insurers, agents, and brokers. You can see premiums by home values and deductibles in the state and its main cities.
Shopping for home insurance can be complicated and we gathered this data to help your choice.
Updated: January 8, 2026
<< Human Powered Recommendations from Oklahoma’s Own Homeowners >>
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Oklahoma Best Insurance Companies
MFP’s Community Home Insurance Survey most recommended home insurers in Oklahoma are USAA, State Farm, and Allstate.
| Insurer | Coverage | Customer Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|
| USAA | 4.5 | 4.7 | 4.8 | 4.3 | 89% |
| State Farm | 4.2 | 4.5 | 4.3 | 4.0 | 85% |
| Allstate | 4.0 | 4.3 | 4.2 | 4.1 | 83% |
| Liberty Mutual | 3.8 | 4.0 | 4.5 | 3.9 | 80% |
| Farmers | 3.7 | 3.9 | 4.0 | 3.8 | 78% |
| Travelers | 3.9 | 3.8 | 4.1 | 4.2 | 77% |
| American Farmers & Ranchers | 3.5 | 4.1 | 3.7 | 3.6 | 76% |
| Oklahoma Farm Bureau | 3.6 | 4.0 | 3.5 | 3.7 | 75% |
| Lemonade | 3.8 | 4.2 | 4.7 | 3.5 | 74% |
| Chubb | 4.3 | 4.4 | 3.9 | 3.0 | 72% |
Oklahoma average home insurance for a $1,000 deductible:
- Oklahoma average premiums for a $300K Home is $3,615 (while it’s $1,568 nationally).
- Oklahoma average premiums for a $400K Home is $5,400. It’s $2,088 nationally.
- Oklahoma average premiums for a $600K Home is $7,195 (and it’s $2,906 nationally).
Best Insurance in Oklahoma’s cities
Oklahoma City, Tulsa, Norman, Broken Arrow, Edmond, Lawton, Moore, Midwest City, Enid, Stillwater
Recommendations are gathered from 2,874 local Oklahoma members who got a quote, filed a claim or got new home insurance in the past 12 months. We survey cost, customer experience, coverage and ease of use, plus if homeowners recommend the insurer, agent or broker:
- Coverage (0 to 5): Are you satisfied with the insurance coverage offered? Do you consider your belongings are adequately insured for various events? Are you satisfied with the available options?
- Customer Experience: Are you happy with the quality of service and communication during and after your quote? Or claim handling? A good score here reflects friendly, knowledgeable agents, prompt responses, and a transparent, supportive claims process.
- Ease of Use (0 to 5): Are the policy documents clear? Is it simple to apply for your policy? If you did, was the claim filing process (through an app or website) easy?
- Cost (0 to 5): Considering the coverage and deductible you’re (or you’ll be) paying, do you feel you’re getting good value with your insurance? Is the pricing transparent with no hidden fees? Are discounts readily available and applied?
- Recommendation (yes/no): Do you recommend this insurer, agent or broker after going through the process?
More Information for Oklahoma Homeowners:
How Much Home Coverage Do You Need?
Home Insurance Coverage Add-ons You May Need
Home Insurance Shopping: How to Save Money
Oklahoma Best Mortgage Lenders from Community Recommendations
Oklahoma Best Refinance Lenders from Community Recommendations
More Resources for Oklahoma Homeowners.
Oklahoma City Home Insurance Costs
Compare Oklahoma City 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Oklahoma City, the average annual insurance cost for a $300K home with a $500 deductible is $4,275. Choosing a $2,000 deductible instead of $500 can lower annual cost by 19.3% in Oklahoma City for a $300K home.
Oklahoma City’s $600K home insurance cost is 8.6% higher than the Oklahoma average of $7,842. The Oklahoma City average annual cost for a $600K home with a $500 deductible is $8,516.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $2,117 | $1,943 | $1,819 | $1,710 | $1,504 |
| $200K Home | $3,515 | $3,226 | $3,020 | $2,839 | $2,497 |
| $300K Home | $4,275 | $3,923 | $3,672 | $3,452 | $3,037 |
| $400K Home | $6,396 | $5,869 | $5,493 | $5,164 | $4,544 |
| $600K Home | $8,516 | $7,815 | $7,315 | $6,877 | $6,050 |
Oklahoma City Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Oklahoma City’s area are State Farm, Allstate, and Oklahoma Farm Bureau.
- State Farm (87%): Homeowners praise the personalized service and quick claims processing
- Allstate (83%): Users highlight the RateGuard feature that prevents premium increases after claims
- Oklahoma Farm Bureau (79%): Members appreciate the local focus and competitive rates for rural properties
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4 | 5 | 4 | 3 | 87% |
| Allstate | Agents | 4 | 4 | 4 | 4 | 83% |
| Oklahoma Farm Bureau | Insurer | 5 | 4 | 3 | 5 | 79% |
| Nationwide | Agents | 4 | 4 | 3 | 4 | 76% |
| Liberty Mutual | Agents | 3 | 3 | 4 | 4 | 72% |
| Shelter Insurance | Broker | 4 | 3 | 3 | 4 | 68% |
| Farmers Insurance | Agents | 3 | 3 | 3 | 3 | 65% |
| American Farmers & Ranchers | Insurer | 4 | 3 | 2 | 5 | 63% |
| Travelers | Agents | 3 | 3 | 3 | 4 | 61% |
| Chubb | Insurer | 5 | 5 | 2 | 2 | 58% |
See also:
Oklahoma City Best Refinance Lenders
Oklahoma City Best Home Loan Lenders
Tulsa Home Insurance Costs
Compare Tulsa 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Tulsa, the average annual insurance cost for a $300K home with a $500 deductible is $3,381. Choosing a $2,000 deductible instead of $500 can lower annual cost by 20.3% in Tulsa for a $300K home.
Tulsa’s $600K home insurance cost is 14.2% lower than the Oklahoma average of $7,842. The Tulsa average annual cost for a $600K home with a $500 deductible is $6,730.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,688 | $1,547 | $1,436 | $1,346 | $1,167 |
| $200K Home | $2,863 | $2,624 | $2,436 | $2,283 | $1,979 |
| $300K Home | $3,381 | $3,099 | $2,877 | $2,696 | $2,337 |
| $400K Home | $5,056 | $4,634 | $4,302 | $4,031 | $3,495 |
| $600K Home | $6,730 | $6,169 | $5,727 | $5,367 | $4,652 |
TulsaBest Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Tulsa’s area are Chubb, Allstate, and American National
- Chubb (85%): Homeowners value the extended replacement cost coverage and elite policy perks
- Allstate (82%): Users appreciate the network of local agents and 5% renewal discount for claim-free years
- American National (78%): Members report satisfaction with affordability for older homes
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Chubb | Insurer | 5 | 5 | 3 | 2 | 85% |
| Allstate | Agents | 4 | 4 | 4 | 4 | 82% |
| American National | Broker | 4 | 3 | 3 | 5 | 78% |
| State Farm | Agents | 4 | 4 | 4 | 3 | 75% |
| Oklahoma Farm Bureau | Insurer | 4 | 3 | 3 | 4 | 72% |
| AFR Insurance | Broker | 3 | 3 | 3 | 4 | 68% |
| Shelter Insurance | Broker | 3 | 3 | 3 | 3 | 65% |
| Farmers Insurance | Agents | 3 | 3 | 3 | 3 | 62% |
| Liberty Mutual | Agents | 3 | 3 | 4 | 3 | 60% |
| Travelers | Agents | 3 | 3 | 3 | 4 | 58% |
See also:
Norman Home Insurance Costs
Compare Norman 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Norman, the average annual insurance cost for a $300K home with a $500 deductible is $4,061. Choosing a $2,000 deductible instead of $500 can lower annual cost by 19.3% in Norman for a $300K home.
Norman’s $600K home insurance cost is 3.4% higher than the Oklahoma average of $7,842. The Norman average annual cost for a $600K home with a $500 deductible is $8,111.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $2,029 | $1,862 | $1,743 | $1,638 | $1,441 |
| $200K Home | $3,366 | $3,090 | $2,891 | $2,718 | $2,392 |
| $300K Home | $4,061 | $3,727 | $3,488 | $3,279 | $2,885 |
| $400K Home | $6,099 | $5,598 | $5,239 | $4,925 | $4,333 |
| $600K Home | $8,111 | $7,444 | $6,966 | $6,549 | $5,762 |
Norman Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Norman’s area are State Farm, Chubb, and Oklahoma Farm Bureau
- State Farm (86%): Homeowners appreciate the impact-resistant roof discounts
- Chubb (84%): Users highlight the $100 million liability limits and cash settlement options
- Oklahoma Farm Bureau (77%): Members value the local agent support and competitive pricing
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4 | 4 | 4 | 3 | 86% |
| Chubb | Insurer | 5 | 5 | 3 | 2 | 84% |
| Oklahoma Farm Bureau | Insurer | 4 | 3 | 3 | 4 | 77% |
| Allstate | Agents | 4 | 4 | 4 | 3 | 74% |
| Nationwide | Agents | 3 | 3 | 3 | 4 | 70% |
See also:
Broken Arrow Home Insurance Costs
Compare Broken Arrow 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Broken Arrow, the average annual insurance cost for a $300K home with a $500 deductible is $3,279. Choosing a $2,000 deductible instead of $500 can lower annual cost by 20.3% in Broken Arrow for a $300K home.
Broken Arrow’s $600K home insurance cost is 16.8% lower than the Oklahoma average of $7,842. The Broken Arrow average annual cost for a $600K home with a $500 deductible is $6,522.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,642 | $1,505 | $1,397 | $1,310 | $1,135 |
| $200K Home | $2,718 | $2,492 | $2,312 | $2,168 | $1,879 |
| $300K Home | $3,279 | $3,006 | $2,789 | $2,615 | $2,267 |
| $400K Home | $4,888 | $4,481 | $4,158 | $3,898 | $3,379 |
| $600K Home | $6,522 | $5,979 | $5,547 | $5,201 | $4,509 |
Broken Arrow Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Broken Arrow’s area are Chubb, Allstate, and American Farmers & Ranchers
- Chubb (88%): Homeowners praise the identity theft protection included in standard policies
- Allstate (83%): Users value the optional add-ons like musical equipment coverage
- American Farmers & Ranchers (76%): Members appreciate the local focus and agricultural expertise
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Chubb | Insurer | 5 | 5 | 3 | 2 | 88% |
| Allstate | Agents | 4 | 4 | 4 | 3 | 83% |
| American Farmers & Ranchers | Insurer | 4 | 3 | 3 | 4 | 76% |
| State Farm | Agents | 4 | 4 | 4 | 3 | 73% |
| Shelter Insurance | Broker | 3 | 3 | 3 | 3 | 68% |
See also:
Broken Arrow Best Refinance Lenders
Broken Arrow Best Home Loan Lenders
Edmond Home Insurance Costs
Compare Edmond 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Edmond, the average annual insurance cost for a $300K home with a $500 deductible is $4,404. Choosing a $2,000 deductible instead of $500 can lower annual cost by 19.5% in Edmond for a $300K home.
Edmond’s $600K home insurance cost is 11.7% higher than the Oklahoma average of $7,842. The Edmond average annual cost for a $600K home with a $500 deductible is $8,761.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $2,206 | $2,024 | $1,894 | $1,776 | $1,567 |
| $200K Home | $3,653 | $3,351 | $3,137 | $2,941 | $2,594 |
| $300K Home | $4,404 | $4,041 | $3,782 | $3,546 | $3,128 |
| $400K Home | $6,572 | $6,030 | $5,643 | $5,291 | $4,668 |
| $600K Home | $8,761 | $8,039 | $7,523 | $7,054 | $6,222 |
Edmond Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Edmond’s area are State Farm, USAA, and Oklahoma Farm Bureau
- State Farm (85%): Homeowners value the underground utility coverage option
- USAA (81%): Members appreciate the military uniform coverage for active duty personnel
- Oklahoma Farm Bureau (77%): Users highlight the local agent accessibility
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4 | 4 | 4 | 3 | 85% |
| USAA | Insurer | 4 | 5 | 4 | 3 | 81% |
| Oklahoma Farm Bureau | Insurer | 4 | 3 | 3 | 4 | 77% |
| Allstate | Agents | 4 | 4 | 4 | 3 | 74% |
| Nationwide | Agents | 3 | 3 | 3 | 4 | 70% |
See also:
Lawton Home Insurance Costs
Compare Lawton 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Lawton, the average annual insurance cost for a $300K home with a $500 deductible is $3,634. Choosing a $2,000 deductible instead of $500 can lower annual cost by 19.5% in Lawton for a $300K home.
Lawton’s $600K home insurance cost is 7.7% lower than the Oklahoma average of $7,842. The Lawton average annual cost for a $600K home with a $500 deductible is $7,239.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,804 | $1,655 | $1,544 | $1,451 | $1,281 |
| $200K Home | $2,988 | $2,742 | $2,558 | $2,404 | $2,122 |
| $300K Home | $3,634 | $3,335 | $3,111 | $2,924 | $2,581 |
| $400K Home | $5,437 | $4,989 | $4,654 | $4,374 | $3,861 |
| $600K Home | $7,239 | $6,644 | $6,197 | $5,825 | $5,142 |
Lawton Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Lawton’s area are Armed Forces Insurance, USAA, and State Farm
- Armed Forces Insurance (84%): Homeowners praise the military-focused coverage options
- USAA (82%): Members value the replacement cost coverage standard in policies
- State Farm (78%): Users appreciate the local agent network
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Armed Forces Insurance | Broker | 4 | 4 | 3 | 4 | 84% |
| USAA | Insurer | 4 | 5 | 4 | 3 | 82% |
| State Farm | Agents | 4 | 4 | 4 | 3 | 78% |
| Allstate | Agents | 4 | 4 | 4 | 3 | 75% |
| Oklahoma Farm Bureau | Insurer | 3 | 3 | 3 | 4 | 71% |
See also:
Moore Home Insurance Costs
Compare Moore 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Moore, the average annual insurance cost for a $300K home with a $500 deductible is $4,489. Choosing a $2,000 deductible instead of $500 can lower annual cost by 19.3% in Moore for a $300K home.
Moore’s $600K home insurance cost is 13.8% higher than the Oklahoma average of $7,842. The Moore average annual cost for a $600K home with a $500 deductible is $8,922.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $2,246 | $2,061 | $1,929 | $1,813 | $1,595 |
| $200K Home | $3,714 | $3,408 | $3,190 | $2,998 | $2,639 |
| $300K Home | $4,489 | $4,119 | $3,856 | $3,624 | $3,189 |
| $400K Home | $6,693 | $6,141 | $5,749 | $5,403 | $4,755 |
| $600K Home | $8,922 | $8,187 | $7,664 | $7,203 | $6,339 |
Moore Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Moore’s area are Shelter Insurance, State Farm, and Allstate
- Shelter Insurance (83%): Homeowners value the tornado-specific coverage options
- State Farm (80%): Users appreciate the impact-resistant roof discounts in this high-wind area
- Allstate (77%): Members highlight the RateGuard feature protecting against premium hikes after claims
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Shelter Insurance | Broker | 4 | 4 | 3 | 3 | 83% |
| State Farm | Agents | 4 | 4 | 4 | 3 | 80% |
| Allstate | Agents | 4 | 4 | 4 | 3 | 77% |
| Oklahoma Farm Bureau | Insurer | 3 | 3 | 3 | 4 | 72% |
| American Farmers & Ranchers | Insurer | 3 | 3 | 3 | 4 | 68% |
See also:
Midwest City Home Insurance Costs
Compare Midwest City 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Midwest City, the average annual insurance cost for a $300K home with a $500 deductible is $4,275. Choosing a $2,000 deductible instead of $500 can lower annual cost by 19.3% in Midwest City for a $300K home.
Midwest City’s $600K home insurance cost is 8.4% higher than the Oklahoma average of $7,842. The Midwest City average annual cost for a $600K home with a $500 deductible is $8,497.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $2,144 | $1,968 | $1,842 | $1,731 | $1,523 |
| $200K Home | $3,544 | $3,253 | $3,044 | $2,862 | $2,518 |
| $300K Home | $4,275 | $3,923 | $3,672 | $3,452 | $3,037 |
| $400K Home | $6,374 | $5,849 | $5,475 | $5,147 | $4,528 |
| $600K Home | $8,497 | $7,797 | $7,298 | $6,861 | $6,036 |
Midwest City Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Midwest City’s area are State Farm, Allstate, and Oklahoma Farm Bureau
- State Farm (84%): Homeowners appreciate the extended replacement cost reimbursement option
- Allstate (81%): Users value the 5% annual renewal discount for claim-free years
- Oklahoma Farm Bureau (76%): Members highlight the local agent knowledge of area risks
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4 | 4 | 4 | 3 | 84% |
| Allstate | Agents | 4 | 4 | 4 | 3 | 81% |
| Oklahoma Farm Bureau | Insurer | 4 | 3 | 3 | 4 | 76% |
| Shelter Insurance | Broker | 3 | 3 | 3 | 3 | 72% |
| Nationwide | Agents | 3 | 3 | 3 | 4 | 69% |
See also:
Midwest City Best Refinance Lenders
Midwest City Best Home Loan Lenders
Enid Home Insurance Costs
Compare Enid 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Enid, the average annual insurance cost for a $300K home with a $500 deductible is $3,752. Choosing a $2,000 deductible instead of $500 can lower annual cost by 19.0% in Enid for a $300K home.
Enid’s $600K home insurance cost is 4.7% lower than the Oklahoma average of $7,842. The Enid average annual cost for a $600K home with a $500 deductible is $7,471.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,880 | $1,726 | $1,614 | $1,522 | $1,339 |
| $200K Home | $3,112 | $2,856 | $2,672 | $2,520 | $2,217 |
| $300K Home | $3,752 | $3,444 | $3,221 | $3,038 | $2,673 |
| $400K Home | $5,600 | $5,140 | $4,808 | $4,534 | $3,990 |
| $600K Home | $7,471 | $6,858 | $6,414 | $6,050 | $5,323 |
Enid Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Enid’s area are American Farmers & Ranchers, State Farm, and Allstate
- American Farmers & Ranchers (85%): Homeowners value the agricultural property expertise
- State Farm (82%): Users appreciate the local agent availability in this rural area
- Allstate (78%): Members highlight the identity fraud coverage option
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| American Farmers & Ranchers | Broker | 4 | 4 | 3 | 4 | 85% |
| State Farm | Agents | 4 | 4 | 4 | 3 | 82% |
| Allstate | Agents | 4 | 4 | 4 | 3 | 78% |
| Oklahoma Farm Bureau | Insurer | 3 | 3 | 3 | 4 | 74% |
| Shelter Insurance | Broker | 3 | 3 | 3 | 3 | 70% |
See also:
Stillwater Home Insurance Costs
Compare Stillwater 2026 annual home insurance cost across different home values and deductibles. All costs assume standard coverage levels.
In Stillwater, the average annual insurance cost for a $300K home with a $500 deductible is $3,848. Choosing a $2,000 deductible instead of $500 can lower annual cost by 19.2% in Stillwater for a $300K home.
Stillwater’s $600K home insurance cost is 2.4% lower than the Oklahoma average of $7,842. The Stillwater average annual cost for a $600K home with a $500 deductible is $7,652.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,927 | $1,768 | $1,655 | $1,557 | $1,369 |
| $200K Home | $3,188 | $2,925 | $2,738 | $2,576 | $2,264 |
| $300K Home | $3,848 | $3,531 | $3,305 | $3,110 | $2,733 |
| $400K Home | $5,738 | $5,266 | $4,929 | $4,638 | $4,076 |
| $600K Home | $7,652 | $7,022 | $6,573 | $6,185 | $5,435 |
See also:
Stillwater Best Refinance Lenders
Stillwater Best Home Loan Lenders
Biggest Home Insurance Cost Factors in Oklahoma
Weather and Natural Risk in Oklahoma
Oklahoma homeowners face some of the highest insurance premiums in the U.S.—averaging around $6,000 to $6,210 per year—due largely to frequent severe convective storms: hail, wind, tornadoes, and occasional wildfires in rural areas. Hail is especially damaging: insurers in Oklahoma City have dropped thousands of homes after roof storms, and renewal rates have spiked due to massive repair claims from hail events.
Home Construction Age
Newer homes tend to cost significantly less to insure. In Oklahoma, for newly constructed homes, average premiums are around $3,847 annually—much lower than the typical $5,917 or more for older homes.
| Home Age | Typical Cost Change in Oklahoma |
|---|---|
| 0–5 years | ≈ 20% to 30% less |
| 6–10 years | ≈ 10% to 15% less |
| 11–20 years | baseline (0%) |
| 21–30 years | ≈ 15% to 25% more |
| 31–40 years | ≈ 30% to 45% more |
| 41–60 years | ≈ 50% to 70% more |
| 60+ years | ≈ 75% to 110% more |
Because roof age is critical—insurers often drop homes with roofs over 11 years old in Oklahoma City—actual cash‑value policies reduce payout as roofs age, raising effective premiums.
Credit Score
In Oklahoma, insurers rely heavily on credit‑based insurance scores. Homeowners with excellent credit pay around $3,941 annually, while those with poor credit may face premiums up to $17,719 or more—up to 4–5× the cost.
| Credit Score | Typical Cost Change in Oklahoma |
|---|---|
| Excellent | ~0% (baseline) |
| Good | ≈ 20% more |
| Average | ≈ 40% more |
| Poor | ≈ 100% to 350% more |
The range is wide: data shows premiums from ~$4,321 for excellent to up to ~$21,228 for poor credit in Oklahoma.
Zip‑Code Risk
Your zip code or county matters a lot in Oklahoma. Urban areas like Oklahoma City or Tulsa can carry higher rates due to repeated hail/tornado exposure. Proximity to tornado alleys or rural areas prone to wildfires or windstorms can push premiums higher. Even within metro areas, some neighborhoods have become insurance‑less due to underwriting refusals on roofs over 11 years old.
Other Factors (Claims, Construction, Deductible)
Other important influences include:
- Claims history – having one or two claims in 5 years increases premiums up to ~15% in Oklahoma .
- Construction material & roof type – tile roofing or premium construction can lower premiums (~$5,438 average) while standard frame or shake roofs can cost higher (~$6,348 average).
- Deductible – choosing a higher deductible reduces premium but increases your out‑of‑pocket exposure.
Oklahoma Home Insurance Discounts
Homeowners in Oklahoma may qualify for:
- Bundling discount – combining home and auto policies with same company.
- New‑home discount – for new construction homes built to modern storm‑resistant codes.
- Home safety/security discounts – for installing smoke alarms, burglar alarms, or deadbolts.
- Loyalty or paperless/paid‑in‑full discounts.
- Claims‑free discount – for maintaining several years without filing a claim.
How to Find Cheap Home Insurance in OK
Shop around and compare quotes from multiple insurers. Some providers price as much as 45% below or as high as 157% above state average depending on underwriting guidelines and location within Oklahoma. Focus on insurers that handle hail/tornado risk well and offer better premiums for good credit and newer construction.
But the cheapest policy may not be best: make sure it offers adequate dwelling replacement, liability and avoids pitfalls like actual‑cash‑value roof coverage or inadequate limits.
5 Ways to Reduce Your Home Insurance Cost
5 ways to reduce your home insurance cost in Oklahoma:
- Improve or maintain excellent credit to qualify for lowest rates.
- Upgrade older roofs (especially homes older than 11 years) to new, impact-resistant materials.
- Raise your deductible, if financially feasible.
- Bundle policies like auto + home with the same insurer.
- Shop providers yearly, especially if your area has seen insurers pulling coverage.
What Does Home Insurance Cover in Oklahoma?
Standard Oklahoma homeowners insurance generally covers:
- Dwelling structure repair or rebuild from covered perils like fire, wind, hail, or tornado damage.
- Other structures like detached garages or fences.
- Personal property losses inside the home.
- Liability for injuries or property damage to others.
- Additional living expenses if your home is temporarily uninhabitable.
Extra Coverage Options in Oklahoma
Additional coverages often needed in Oklahoma:
- Flood insurance – as standard policies don’t cover flood; essential if near rivers or flood zones.
- Wind/hail endorsements or higher limits – helpful in tornado‑prone regions.
- Building code upgrade coverage – pays for bringing rebuilt home up to current code after disaster.
- Water‑backup coverage – for sewer or sump pump backups.
- Replacement cost vs actual cash value – choose replacement to avoid depreciated payouts, especially for roof.
Get extra coverage when your location, roof age, or flood/wind zone puts you beyond standard policy limits.
FAQ: Oklahoma home insurance
What is the average cost of homeowners insurance in Oklahoma?
The average annual premium is between $6,000 and $6,210—among the highest in the U.S.
Does homeowners insurance cover tornadoes and hail in Oklahoma?
Yes—standard policies generally cover tornado and hail damage to structure and personal property, but check your deductible and potential depreciation clauses for roofs.
How much does credit score affect premiums?
Credit score can affect premiums dramatically—from baseline for excellent credit to 100–350% higher for poor credit in Oklahoma markets.
How does home age affect premiums?
New builds (0–10 years) cost significantly less (roughly 10–30% off), while homes older than 20‑30 years can cost 15–70% more, and roofs over 11 years often trigger higher rates or dropped coverage.
What discounts are available in Oklahoma?
Common discounts include bundling (home + auto), new‑home, security/safety equipment, paperless/paid‑in‑full, loyalty, and claims‑free discounts typical across the state.