Home Insurance Rate Comparison

Rate Comparison Chart (Updated 06/2021)
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 F 1 F 2 F 3 F 4 M 1 M 2 M 3 M 4
ALLSTATE INSURANCE CO. 1004 1876 3545 5071 937 1752 3312 4735
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 878 1244 1738 2096 874 1240 1732 2084
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. 1137 1843 3046 4295 1036 1671 2754 3879
AMERICAN MERCURY INSURANCE CO. 1844 2313 3551 4818 1720 2156 3310 4495
AMERICAN NATIONAL PROPERTY & CASUALTY CO. 1987 2523 3423 4351 1857 2356 3195 4059
AMERICAN STRATEGIC INSURANCE CORP. N/A 1500 1981 2595 N/A 1331 1756 2295
COUNTRY MUTUAL INSURANCE CO. 2226 3179 4736 5723 2044 2924 4350 5263
CSAA GENERAL INSURANCE CO. 1178 1558 2120 2586 1123 1468 1986 2425
FARMERS INSURANCE CO. 3426 4077 4809 6436 3561 4245 5008 6702
HOMESITE INDEMNITY CO. 891 947 1098 1344 868 922 1075 1315
LIBERTY MUTUAL PERSONAL INSURANCE CO. 2443 2145 2248 2528 2376 2095 2192 2459
NORTH STAR MUTUAL INSURANCE CO. 2040 2238 3128 4170 1835 2013 2814 3751
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 1485 2587 3671 4861 1389 2421 3436 4550
SAFECO INSURANCE CO. OF AMERICA 2480 2556 3115 3616 2366 2404 3142 3320
SHELTER MUTUAL INSURANCE CO. 1302 2157 3857 5474 1278 2116 3783 5368
STATE FARM FIRE AND CASUALTY CO. 2743 3890 5573 7140 2468 3501 5015 6426
TRAVELERS HOME AND MARINE INSURANCE CO. 1015 1534 2827 3727 938 1418 2614 3447
UNITED SERVICES AUTOMOBILE ASSOCIATION 2623 3403 4012 4408 2404 3091 3629 3979
USAA CASUALTY INSURANCE CO. 2569 3336 3937 4328 2354 3030 3562 3908
USAA GENERAL INDEMNITY CO. 2876 3776 4474 4930 2603 3388 4000 4398

 

TULSA F 1 F 2 F 3 F 4 M 1 M 2 M 3 M 4
ALLSTATE INSURANCE CO. 795 1487 2809 4016 743 1389 2626 3758
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 647 832 1117 1381 638 821 1100 1355
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. 859 1372 2243 3149 786 1247 2031 2847
AMERICAN MERCURY INSURANCE CO. 1136 1417 2157 2917 1061 1323 2013 2723
AMERICAN NATIONAL PROPERTY & CASUALTY CO. 1355 1712 2313 2933 1260 1591 2146 2719
AMERICAN STRATEGIC INSURANCE CORP. N/A 1174 1532 1998 N/A 1033 1345 1749
COUNTRY MUTUAL INSURANCE CO. 1792 2559 3813 4607 1646 2354 3502 4237
CSAA GENERAL INSURANCE CO. 961 1259 1701 2065 918 1189 1595 1939
FARMERS INSURANCE CO. 2126 2519 2991 4025 2232 2649 3147 4240
HOMESITE INDEMNITY CO. 759 804 943 1148 747 790 931 1134
LIBERTY MUTUAL PERSONAL INSURANCE CO. 2165 1931 2019 2250 2118 1895 1982 2205
NORTH STAR MUTUAL INSURANCE CO. 1393 1528 2135 2845 1254 1374 1920 2559
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 1189 2072 2942 3896 1113 1940 2755 3649
SAFECO INSURANCE CO. OF AMERICA 2125 2191 2056 3107 2025 1931 2497 2841
SHELTER MUTUAL INSURANCE CO. 989 1638 2929 4156 971 1607 2872 4076
STATE FARM FIRE AND CASUALTY CO. 1595 2262 3241 4152 1435 2036 2917 3737
TRAVELERS HOME AND MARINE INSURANCE CO. 826 1251 2335 3081 774 1170 2176 2871
UNITED SERVICES AUTOMOBILE ASSOCIATION 2727 3567 4220 4640 2529 3286 3876 4253
USAA CASUALTY INSURANCE CO. 2681 3507 4152 4566 2486 3231 3814 4188
USAA GENERAL INDEMNITY CO. 2992 3950 4691 5169 2746 3600 4263 4689

 

LAWTON F 1 F 2 F 3 F 4 M 1 M 2 M 3 M 4
ALLSTATE INSURANCE CO. 765 1429 2702 3863 715 1337 2526 3617
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 715 959 1302 1579 707 950 1289 1558
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. 988 1591 2617 3683 902 1444 2368 3327
AMERICAN MERCURY INSURANCE CO. 1236 1540 2357 3195 1155 1438 2200 2985
AMERICAN NATIONAL PROPERTY & CASUALTY CO. 1488 1884 2549 3234 1385 1751 2367 3000
AMERICAN STRATEGIC INSURANCE CORP. N/A 1412 1856 2428 N/A 1245 1634 2133
COUNTRY MUTUAL INSURANCE CO. 2159 3084 4594 5551 1983 2836 4219 5105
CSAA GENERAL INSURANCE CO. 1145 1511 2055 2505 1091 1425 1926 2348
FARMERS INSURANCE CO. 2602 3043 3568 4781 2691 3150 3695 4952
HOMESITE INDEMNITY CO. 989 1053 1230 1513 964 1026 1204 1482
LIBERTY MUTUAL PERSONAL INSURANCE CO. 2726 2412 2528 2834 2656 2358 2468 2760
NORTH STAR MUTUAL INSURANCE CO. 1528 1677 2343 3123 1375 1508 2107 2808
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 1297 2261 3209 4250 1219 2125 3017 3995
SAFECO INSURANCE CO. OF AMERICA 2133 2202 2709 3120 2031 2063 2504 2851
SHELTER MUTUAL INSURANCE CO. 1096 1815 3245 4605 1076 1781 3183 4517
STATE FARM FIRE AND CASUALTY CO. 2753 3905 5593 7166 2477 3514 5034 6449
TRAVELERS HOME AND MARINE INSURANCE CO. 1153 1729 3200 4223 1099 1646 3025 3988
UNITED SERVICES AUTOMOBILE ASSOCIATION 2555 3370 4003 4414 2336 3059 3621 3986
USAA CASUALTY INSURANCE CO. 2520 3324 3949 4356 2306 3018 3576 3937
USAA GENERAL INDEMNITY CO. 2831 3771 4496 4969 2560 3385 4024 4439
McALESTER F 1 F 2 F 3 F 4 M 1 M 2 M 3 M 4
ALLSTATE INSURANCE CO. 820 1534 2899 4146 768 1434 2710 3875
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 703 913 1282 1633 694 902 1265 1605
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. 859 1372 2243 3149 786 1247 2031 2847
AMERICAN MERCURY INSURANCE CO. 1182 1471 2252 2066 1109 1380 2113 2881
AMERICAN NATIONAL PROPERTY & CASUALTY CO. 1380 1745 2357 2989 1274 1610 2174 2754
AMERICAN STRATEGIC INSURANCE CORP. N/A 1154 1509 1967 N/A 1020 1330 1730
COUNTRY MUTUAL INSURANCE CO. 1934 2763 4116 4973 1776 2541 3780 4573
CSAA GENERAL INSURANCE CO. 1034 1358 1840 2236 986 1281 1727 2099
FARMERS INSURANCE CO. 1828 2137 2538 3444 1898 2222 2640 3585
HOMESITE INDEMNITY CO. 889 944 1109 1359 870 924 1089 1336
LIBERTY MUTUAL PERSONAL INSURANCE CO. 2114 1931 1998 2183 2079 1907 1973 2151
NORTH STAR MUTUAL INSURANCE CO. 1528 1677 2343 3123 1375 1508 2107 2808
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 1179 2056 2918 3865 1104 1925 2733 3619
SAFECO INSURANCE CO. OF AMERICA 1899 1963 2418 2787 1808 1835 2227 2534
SHELTER MUTUAL INSURANCE CO. 1033 1711 3058 4339 1014 1678 2999 4256
STATE FARM FIRE AND CASUALTY CO. 1678 2381 3410 4369 1511 2143 3069 3932
TRAVELERS HOME AND MARINE INSURANCE CO. 854 1254 2202 2908 751 1113 1981 2620
UNITED SERVICES AUTOMOBILE ASSOCIATION 2928 3840 4556 5021 2729 3557 4209 4632
USAA CASUALTY INSURANCE CO. 2889 3786 4494 4954 2695 3510 4155 4574
USAA GENERAL INDEMNITY CO. 3172 4197 4997 5518 2928 3849 4570 5039