Home Insurance Rate Comparison

Rate Comparison Chart (Updated 10/2025)

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.

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Oklahoma City F1 F2 F3 F4 F5 M1 M2 M3 M4 M5
ALLSTATE INSURANCE CO. 2507 5025 7698 10370 13042 2342 4660 7144 9627 12112
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 1183 1408 1586 1736 1889 1173 1392 1567 1715 1865
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. 1438 2281 2954 3695 4462 1438 2281 2954 3695 4462
ENCOMPASS INSURANCE CO. OF AMERICA 2752 3818 4583 5233 5738 2678 3705 4439 5062 5543
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 2684 3912 5065 6126 6984 2811 4145 5400 6564 7523
USAA CASUALTY INSURANCE CO. 2633 3866 5026 6097 6968 2757 4093 5355 6526 7497
USAA GENERAL INDEMNITY CO. 2963 4377 5714 6949 7948 3109 4647 6106 7463 8583
Tulsa F1 F2 F3 F4 F5 M1 M2 M3 M4 M5
ALLSTATE INSURANCE CO. 1987 3875 5983 8091 10198 1856 3593 5587 7584 9578
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 1013 1163 1287 1362 1500 1004 1150 1272 1345 1481
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. 1467 2317 3010 3781 4586 1467 2317 3010 3781 4586
ENCOMPASS INSURANCE CO. OF AMERICA 2416 3301 3904 4402 4771 2351 3201 3776 4250 4599
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 2551 3661 4694 5641 6406 2627 3782 4857 5846 6652
USAA CASUALTY INSURANCE CO. 2518 3643 4693 5659 6446 2592 3761 4853 5860 6687
USAA GENERAL INDEMNITY CO. 2792 4066 5262 6362 7253 2874 4200 5446 6596 7535
Lawton F1 F2 F3 F4 F5 M1 M2 M3 M4 M5
ALLSTATE INSURANCE CO. 1911 3709 5740 7773 9805 1788 3440 5359 7279 9199
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 1086 1276 1438 1564 1742 1075 1259 1418 1541 1717
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. 1554 2372 3074 3868 4713 1554 2372 3074 3868 4713
ENCOMPASS INSURANCE CO. OF AMERICA 2514 3560 4330 4983 5503 2427 3426 4158 4781 5273
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 2728 4004 5201 6308 7217 2846 4212 5498 6693 7688
USAA CASUALTY INSURANCE CO. 2695 3985 5198 6322 7251 2810 4189 5489 6700 7714
USAA GENERAL INDEMNITY CO. 3003 4464 5846 7127 8179 3137 4706 6194 7579 8735
McAlester F1 F2 F3 F4 F5 M1 M2 M3 M4 M5
ALLSTATE INSURANCE CO. 2051 4017 6200 8382 10565 1917 3722 5753 7787 9819
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 1405 1752 2185 2752 3733 1392 1732 2161 2724 3702
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. 2048 2887 3767 4808 5974 2048 2887 3767 4808 5974
ENCOMPASS INSURANCE CO. OF AMERICA 2263 3208 3903 4490 4959 2175 3074 3732 4288 4729
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 2849 4241 5549 6769 7812 2909 4329 5663 6908 7975
USAA CASUALTY INSURANCE CO. 2808 4206 5521 6750 7803 2868 4294 5636 6889 7967
USAA GENERAL INDEMNITY CO. 3072 4612 6066 7423 8575 3140 4716 6205 7595 8780