Home Insurance Rate Comparison

Rate Comparison Chart (Updated 2/2026)

Keep These Basics in Mind. This guide lists annual rates for five typical homeowners policies. The companies listed are those with the largest market share in Oklahoma that responded to a department survey. The sample policies may not match your home exactly, but they provide a way to compare prices among companies. The premiums in this guide are not the exact amounts you will be quoted. Your premium will vary according to your individual circumstances and company variations.

Be sure to read your policy carefully! Make certain you understand your coverage.

Scenario 1 Scenario 2 Scenario 3 Scenario 4 Scenario 5
Dwelling Amount $100,000 $200,000 $300,000 $400,000 $500,000
Deductible 1% 1% 1% 1% 1%
Contents $50,000 $100,000 $150,000 $200,000 $250,000
Personal Liability $100,000 $100,000 $100,000 $100,000 $100,000
Medical Expenses $1,000 $1,000 $1,000 $1,000 $1,000

PLEASE NOTE:

Companies were asked to provide rates for their standard Homeowners program for each of the five scenarios shown using the following assumptions:

  1. The rates shown below correspond to a Policy Form HO-3 with the above characteristics for each scenario without any other optional coverages, debits, credits, etc.
  2. The dwelling amount would be considered to be 80% (some companies require minimum 90 to 100%) of the dwelling replacement value.
  3. The rates are for the most favorable fire protection class in the city.
  4. A replacement cost policy is represented, including replacement for composition roof surfacing.

* F denotes Frame structure and M denotes Masonry. The numbers following the Frame or Masonry represent the Scenario.

Back to Choosing your Homeowners Insurance Policy

Download printable version (PDF)

OKLAHOMA CITY F 1 F 2 F 3 F 4 F 5 M 1 M 2 M 3 M 4 M 5
ALLSTATE INSURANCE CO. 2507 5025 7698 10370 13042 2342 4660 7144 9627 12112
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 1280 1543 1749 1935 2103 1269 1528 1730 1913 2079
AMERICAN ECONOMY INSURANCE CO. 4139 4139 4757 4757 5172 4234 4234 4575 4818 5217
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO.  2293 3479 4658 6512 8224 2077 3151 4222 5900 7451
AMERICAN MERCURY INSURANCE CO. 3129 4034 5146 6481 8105 2993 3855 4913 6179 7712
AMERICAN STRATEGIC INSURANCE CORP. 2167 2433 2685 2947 3072 2153 2409 2653 2905 3022
CSAA GENERAL INSURANCE CO. 1557 2471 3388 4268 5132 1557 2471 3388 4268 5129
ENCOMPASS INSURANCE CO. OF AMERICA 3029 4204 5047 5764 6320 2948 4079 4888 5575 6105
FARMERS INSURANCE CO. 5971 7174 9272 10905 12399 6265 7517 9687 11396 12967
HOMESITE INDEMNITY CO. 1866 2434 3152 3799 4481 1824 2377 3080 3710 4374
LIBERTY MUTUAL PERSONAL INSURANCE CO. 1079 1719 2360 3001 3638 1129 1819 2509 3200 3886
MID-CENTURY INSURANCE CO. 1424 1999 2637 3232 3461 1690 2363 3122 3794 3987
NORTH STAR MUTUAL INSURANCE CO. 2260 3185 4339 6049 7784 2033 2865 3902 5441 7001
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 3410 5222 7262 9304 11098 3190 4887 6796 8706 10385
SAFECO INSURANCE CO. OF AMERICA 4120 5890 6922 8269 9370 4037 5771 6783 8005 9181
SHELTER MUTUAL INSURANCE CO. 2511 4333 6107 8024 9479 2465 4251 5990 7870 9295
STATE FARM FIRE AND CASUALTY CO. 3687 5609 6972 8144 9143 3271 4903 6063 7064 7920
UNITED SERVICES AUTOMOBILE ASSOCIATION 3025 4456 5807 7054 8056 3136 4657 6097 7432 8522
USAA CASUALTY INSURANCE CO. 2913 4317 5647 6877 7871 3019 4511 5928 7242 8322
USAA GENERAL INDEMNITY CO. 3293 4909 6446 7867 9013 3424 5150 6796 8325 9579
TULSA F 1 F 2 F 3 F 4 F 5 M 1 M 2 M 3 M 4 M 5
ALLSTATE INSURANCE CO. 1987 3875 5983 8091 10198 1856 3593 5587 7584 9578
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 1068 1236 1374 1466 1613 1059 1223 1358 1448 1594
AMERICAN ECONOMY INSURANCE CO. 4201 4108 4479 4738 5142 4108 4201 4555 4797 5185
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO.  1934 2935 3935 5497 6942 1753 2662 3571 4987 6297
AMERICAN MERCURY INSURANCE CO. 2390 3088 3943 4967 6208 2291 2956 3771 4743 5916
AMERICAN STRATEGIC INSURANCE CORP. 1991 2216 2410 2625 2735 1981 2200 2387 2595 2699
CSAA GENERAL INSURANCE CO. 1413 2209 3017 3803 4580 1413 2205 3011 3795 4570
ENCOMPASS INSURANCE CO. OF AMERICA 2659 3634 4299 4847 5255 2587 3524 4157 4680 5055
FARMERS INSURANCE CO. 3827 4709 6242 7393 8544 4013 4937 6532 7743 8960
HOMESITE INDEMNITY CO. 1498 1930 2467 2941 3485 1473 1897 2423 2887 3421
LIBERTY MUTUAL PERSONAL INSURANCE CO. 973 1507 2039 2575 3107 1015 1590 2164 2740 3313
MID-CENTURY INSURANCE CO. 953 1382 1840 2324 2596 1075 1542 2051 2561 2793
NORTH STAR MUTUAL INSURANCE CO. 1874 2640 3597 5015 6454 1686 2375 3235 4511 5804
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 2674 4098 5700 7301 8709 2503 3836 5335 6834 8153
SAFECO INSURANCE CO. OF AMERICA 3823 5466 6423 7581 8695 3746 5358 6296 7429 8521
SHELTER MUTUAL INSURANCE CO. 1898 3277 4620 6071 7172 1862 3214 4531 5954 7034
STATE FARM FIRE AND CASUALTY CO. 3006 4544 5636 6577 7382 2675 3987 4920 5726 6415
UNITED SERVICES AUTOMOBILE ASSOCIATION 2997 4279 5460 6540 7412 3062 4369 5572 6672 7563
USAA CASUALTY INSURANCE CO. 2881 4144 5312 6382 7252 2943 4229 5418 6509 7397
USAA GENERAL INDEMNITY CO. 3187 4615 5945 7165 8151 3254 4711 6066 7310 8320
LAWTON F 1 F 2 F 3 F 4 F 5 M 1 M 2 M 3 M 4 M 5
ALLSTATE INSURANCE CO. 1911 3709 5740 7773 9805 1788 3440 5359 7279 9199
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 1162 1381 1564 1717 1907 1151 1381 1543 1693 1881
AMERICAN ECONOMY INSURANCE CO. 4082 4082 4443 4702 5176 4276 4174 4517 4758 5158
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO.  1878 2850 3821 5338 6741 1703 2585 3469 4843 6116
AMERICAN MERCURY INSURANCE CO. 2769 3639 4683 5918 7392 2658 3492 4492 5669 7069
AMERICAN STRATEGIC INSURANCE CORP. 2130 2338 2542 2754 2822 2124 2327 2526 2734 2798
CSAA GENERAL INSURANCE CO. 1774 2797 3848 4867 5883 1770 2789 3835 4850 5859
ENCOMPASS INSURANCE CO. OF AMERICA 2767 3920 4768 5488 6061 2671 3772 4579 5265 5808
FARMERS INSURANCE CO. 4609 5696 7673 9075 10424 4787 5917 7961 9424 10839
HOMESITE INDEMNITY CO. 2040 2690 3507 4247 5042 1992 2626 3425 4146 4920
LIBERTY MUTUAL PERSONAL INSURANCE CO. 1027 1613 2198 2784 3370 1072 1704 2335 2966 3596
MID-CENTURY INSURANCE CO. 1054 1539 2078 2618 2897 1218 1745 2345 2906 3124
NORTH STAR MUTUAL INSURANCE CO. 2350 3313 4513 6292 8096 2115 2980 4060 5660 7283
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 3099 4747 6602 8457 10088 2911 4460 6203 7946 9479
SAFECO INSURANCE CO. OF AMERICA 2147 3704 5220 6860 8102 2106 3633 5119 6726 7945
SHELTER MUTUAL INSURANCE CO. 2147 3704 5220 6860 8102 2106 3633 5119 6726 7945
STATE FARM FIRE AND CASUALTY CO. 3731 5683 7071 8264 9281 3306 4964 6146 7163 8032
UNITED SERVICES AUTOMOBILE ASSOCIATION 3407 4940 6376 7692 8747 3456 5007 6459 7790 8859
USAA CASUALTY INSURANCE CO. 3225 4748 6151 7440 8477 3301 4812 6230 7535 8587
USAA GENERAL INDEMNITY CO. 3660 5363 6971 8449 9632 3710 5437 7065 8562 9764
OKLAHOMA CITY F 1 F 2 F 3 F 4 F 5 M 1 M 2 M 3 M 4 M 5
ALLSTATE INSURANCE CO. 2051 4017 6200 8382 10565 1917 3722 5753 7787 9819
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 1465 1832 2281 2868 3863 1451 1811 2256 2839 3831
AMERICAN ECONOMY INSURANCE CO. 4445 4082 4454 4715 5130 4276 4175 4528 4773 5171
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO.  1982 3008 4032 5633 7114 1797 2728 3659 5109 6452
AMERICAN MERCURY INSURANCE CO. 2253 2968 3825 4834 6041 2165 2851 3672 4636 5782
AMERICAN STRATEGIC INSURANCE CORP. 1874 2112 2317 2535 2661 1861 2089 2284 2493 2611
CSAA GENERAL INSURANCE CO. 1769 2761 3849 4968 6129 1737 2693 3738 4814 5927
ENCOMPASS INSURANCE CO. OF AMERICA 2490 3532 4297 4944 5461 2394 3384 4109 4721 5208
FARMERS INSURANCE CO. 3278 4109 5580 6636 7689 3409 4277 5802 6907 8015
HOMESITE INDEMNITY CO. 1603 2115 2749 3331 3992 1565 2064 2683 3249 3894
LIBERTY MUTUAL PERSONAL INSURANCE CO. 962 1482 2003 2523 3042 995 1549 2102 2656 3209
MID-CENTURY INSURANCE CO. 887 1346 1876 2419 2767 991 1469 2021 2559 2838
NORTH STAR MUTUAL INSURANCE CO. 2305 3249 4426 6171 7940 2074 2922 3981 5550 7142
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 2788 4272 5941 7610 9078 2609 3999 5561 7123 8498
SAFECO INSURANCE CO. OF AMERICA 3732 5337 6272 7402 8491 3659 5231 6147 7255 8322
SHELTER MUTUAL INSURANCE CO. 1993 3440 4850 6373 7529 1956 3375 4757 6250 7383
STATE FARM FIRE AND CASUALTY CO. 3059 4626 5753 6720 7549 2716 4049 5010 5836 6542
UNITED SERVICES AUTOMOBILE ASSOCIATION 3065 4520 5873 7131 8209 3110 4571 5925 7185 8264
USAA CASUALTY INSURANCE CO. 2927 4336 5648 6871 7920 2970 4385 5702 6927 7978
USAA GENERAL INDEMNITY CO. 3198 4748 6198 7546 8694 3246 4808 6266 7622 8776