Home Insurance Rate Comparison

Rate Comparison Chart (Updated 03/2023)
Keep These Basics in Mind. This guide lists annual rates for four 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.
Be sure to read your policy carefully! Make certain you understand your coverage.

Scenario 1 Scenario 2 Scenario 3 Scenario 4
Dwelling Amount $50,000 $100,000 $175,000 $250,000
Deductible $1,000 $1,000 $1,000 $1,000
Contents $25,000 $50,000 $82,500 $125,000
Personal Liability $100,000 $100,000 $100,000 $100,000
Medical Expenses $1,000 $1,000 $1,000 $1,000

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

PLEASE NOTE:

1) Policy Form HO-3 without any other optional coverages, debits, credits, etc.
(i.e. passive restraint or anti-lock braking systems, 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 including replacement for composition roof surfacing.

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

Oklahoma City F1 F2 F3 F4 M1 M2 M3 M4
ALLSTATE INSURANCE CO. 1182 2507 4643 6579 1104 2342 4338 6119
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 1127 1579 2303 3016 1063 1468 2125 2777
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. 1180 1917 3172 4476 1074 1738 2867 4041
AMERICAN MERCURY INSURANCE CO. 1844 2313 3551 4818 1720 2156 3310 4495
AMERICAN NATIONAL PROPERTY & CASUALTY CO. 2740 3210 4102 5021 2557 2993 3823 4680
AMERICAN STRATEGIC INSURANCE CORP. N/A 1890 2449 3232 N/A 1758 2276 3002
COUNTRY MUTUAL INSURANCE CO. 2370 3388 5040 6099 2182 3120 4645 5615
CSAA GENERAL INSURANCE CO. 1054 1316 1675 1965 1054 1316 1675 1965
FARMERS INSURANCE CO. 4383 5358 6453 8849 4610 5648 6803 9317
HOMESITE INDEMNITY CO. 1440 1535 2136 2493 1410 1503 2088 2434
LIBERTY MUTUAL PERSONAL INSURANCE CO. 2959 2599 2724 3064 2879 2539 2656 2979
NORTH STAR MUTUAL INSURANCE CO. 2102 2309 3221 4288 1892 2078 2897 3856
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 1624 2830 4016 5319 1520 2649 3760 4980
SAFECO INSURANCE CO. OF AMERICA 1479 1845 2431 2786 1451 1808 2384 2729
SHELTER MUTUAL INSURANCE CO. 1337 2214 3940 5618 1312 2172 3864 5509
STATE FARM FIRE AND CASUALTY CO. 2677 3797 5440 6969 2409 3418 4896 6273
TRAVELERS HOME AND MARINE INSURANCE CO. 1149 1736 3194 4212 1059 1602 2949 3889
UNITED SERVICES AUTOMOBILE ASSOCIATION 1047 1830 2914 3899 995 1713 2697 3582
USAA CASUALTY INSURANCE CO. 1050 1823 2897 3880 998 1704 2678 3560
USAA GENERAL INDEMNITY CO. 1196 2078 3300 4416 1137 1943 3052 4053
Tulsa F1 F2 F3 F4 M1 M2 M3 M4
ALLSTATE INSURANCE CO. 936 1987 3680 5190 877 1856 3438 4866
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 837 1069 1479 1927 798 1007 1378 1788
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. 1004 1618 2663 3749 916 1469 2409 3386
AMERICAN MERCURY INSURANCE CO. 1136 1417 2157 2917 1061 1323 2013 2723
AMERICAN NATIONAL PROPERTY & CASUALTY CO. 1580 1844 2345 2861 1457 1702 2163 2640
AMERICAN STRATEGIC INSURANCE CORP. N/A 1353 1720 2256 N/A 1259 1598 2095
COUNTRY MUTUAL INSURANCE CO. 1908 2728 4061 4910 1757 2511 3739 4520
CSAA GENERAL INSURANCE CO. 961 1286 1657 1960 1021 1286 1657 1960
FARMERS INSURANCE CO. 2439 2937 3553 4914 2579 3110 3765 5205
HOMESITE INDEMNITY CO. 1188 1260 1715 1984 1170 1241 1685 1949
LIBERTY MUTUAL PERSONAL INSURANCE CO. 2623 2340 2445 2726 2565 2295 2402 2671
NORTH STAR MUTUAL INSURANCE CO. 1441 1581 2204 2933 1296 1422 1982 2638
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 1275 2223 3157 4181 1194 2081 2956 3916
SAFECO INSURANCE CO. OF AMERICA 1468 1831 2413 2764 1439 1793 2365 2709
SHELTER MUTUAL INSURANCE CO. 1012 1676 2984 4255 993 1645 2926 4173
STATE FARM FIRE AND CASUALTY CO. 1724 2446 3504 4489 1552 2201 3153 4040
TRAVELERS HOME AND MARINE INSURANCE CO. 935 1419 2647 3494 875 1325 2464 3253
UNITED SERVICES AUTOMOBILE ASSOCIATION 970 1658 2616 3498 925 1555 2425 3219
USAA CASUALTY INSURANCE CO. 996 1687 2652 3545 950 1582 2549 3264
USAA GENERAL INDEMNITY CO. 1106 1880 2960 3958 1054 1762 2742 3640
Lawton F1 F2 F3 F4 M1 M2 M3 M4
ALLSTATE INSURANCE CO. 900 1911 3539 4994 842 1788 3310 4684
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 926 1227 1721 2231 875 1144 1590 2055
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. 1058 1710 2820 3974 965 1552 2551 3589
AMERICAN MERCURY INSURANCE CO. 1236 1540 2357 3195 1155 1438 2200 2985
AMERICAN NATIONAL PROPERTY & CASUALTY CO. 1771 2069 2634 3220 1628 1902 2422 2956
AMERICAN STRATEGIC INSURANCE CORP. N/A 1758 2254 2970 N/A 1634 2093 2756
COUNTRY MUTUAL INSURANCE CO. 2090 2989 4449 5380 1925 2752 4097 4953
CSAA GENERAL INSURANCE CO. 1075 1333 1700 2015 1075 1333 1700 2015
FARMERS INSURANCE CO. 2799 3316 3985 5554 2903 3451 4147 5777
HOMESITE INDEMNITY CO. 1591 1699 2385 2792 1557 1662 2329 2725
LIBERTY MUTUAL PERSONAL INSURANCE CO. 3303 2922 3064 3433 3218 2856 2989 3343
NORTH STAR MUTUAL INSURANCE CO. 1531 1680 2342 3118 1378 1511 2106 2804
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 1476 2574 3653 4838 1387 2419 3434 4548
SAFECO INSURANCE CO. OF AMERICA 1538 1917 2527 2895 1507 1879 2476 2836
SHELTER MUTUAL INSURANCE CO. 1125 1863 3316 4729 1105 1828 3253 4637
STATE FARM FIRE AND CASUALTY CO. 2688 3813 5462 6998 2419 3431 4915 6298
TRAVELERS HOME AND MARINE INSURANCE CO. 1278 1911 3508 4629 1219 1818 3315 4370
UNITED SERVICES AUTOMOBILE ASSOCIATION 1006 1750 2789 3748 955 1634 2574 3434
USAA CASUALTY INSURANCE CO. 1023 1765 2806 3772 971 1648 2589 3454
USAA GENERAL INDEMNITY CO. 1150 1987 3159 4244 1091 1854 2913 3885
McAlester F1 F2 F3 F4 M1 M2 M3 M4
ALLSTATE INSURANCE CO. 967 2051 3797 5359 903 1917 3550 5007
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 892 1148 1651 2216 847 1077 1535 2052
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. 917 1470 2411 3390 838 1336 2183 3063
AMERICAN MERCURY INSURANCE CO. 1182 1471 2252 2066 1109 1380 2113 2881
AMERICAN NATIONAL PROPERTY & CASUALTY CO. 1747 2040 2599 3174 1585 1852 2357 2875
AMERICAN STRATEGIC INSURANCE CORP. N/A 1413 1803 2368 N/A 1315 1676 2199
COUNTRY MUTUAL INSURANCE CO. 1829 2616 3894 4709 1685 2408 3586 4335
CSAA GENERAL INSURANCE CO. 1212 1501 1937 2354 1212 1501 1937 2354
FARMERS INSURANCE CO. 2019 2380 2886 4053 2106 2486 3015 4233
HOMESITE INDEMNITY CO. 1272 1356 1892 2212 1245 1326 1847 2158
LIBERTY MUTUAL PERSONAL INSURANCE CO. 2561 2340 2421 2645 2519 2310 2390 2606
NORTH STAR MUTUAL INSURANCE CO. 1531 1680 2342 3118 1378 1511 2106 2804
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 1329 2317 3289 4357 1244 2169 3080 4080
SAFECO INSURANCE CO. OF AMERICA 1471 1836 2419 2877 1441 1797 2370 2820
SHELTER MUTUAL INSURANCE CO. 1064 1762 3136 4472 1045 1729 3076 4385
STATE FARM FIRE AND CASUALTY CO. 1816 2576 3689 4727 1634 2318 3320 4254
TRAVELERS HOME AND MARINE INSURANCE CO. 966 1416 2474 3266 843 1247 2213 2926
UNITED SERVICES AUTOMOBILE ASSOCIATION 1131 1930 3047 4077 1085 1826 2854 3796
USAA CASUALTY INSURANCE CO. 1165 1967 3091 4134 1118 1861 2896 3850
USAA GENERAL INDEMNITY CO. 1305 2200 3453 4613 1252 2081 3234 4292