Home Insurance Rate Comparison

Rate Comparison Chart (Updated 3/2026)

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:

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.
The dwelling amount would be considered to be 80% (some companies require minimum 90 to 100%) of the dwelling replacement value.
The rates are for the most favorable fire protection class in the city.
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	F1	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.	4423	5439	7087	8394	9607	5063	6200	8127	9556	10850
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	F1	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.	3158	3975	5181	6260	7321	3433	4286	5605	6712	7778
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.	2918	3718	4987	5989	6970	3353	4218	5653	6722	7731
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

McALESTER	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.	2451	3302	4561	5633	6726	2721	3574	4897	5959	7007
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

INSURANCE COMMISSIONER