Home Insurance Rate Comparison

Rate Comparison Chart (Updated 06/2022)
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. 1019 2160 3999 5650 951 2018 3738 5270
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 902 1260 1848 2444 846 1168 1702 2248
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 1876 2489 3270 N/A 1662 2204 2890
COUNTRY MUTUAL INSURANCE CO. 2254 3223 4798 5801 2076 2967 4418 5341
CSAA GENERAL INSURANCE CO. 1054 1316 1675 1965 1054 1316 1675 1965
FARMERS INSURANCE CO. 4485 5117 5724 7428 4673 5342 5978 7755
HOMESITE INDEMNITY CO. 1365 1455 2025 2363 1337 1425 1979 2307
LIBERTY MUTUAL PERSONAL INSURANCE CO. 2492 2188 2293 2579 2424 2137 2236 2508
NORTH STAR MUTUAL INSURANCE CO. 2666 2341 2454 2760 2594 2287 2393 2684
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. 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. 1083 1636 3012 3971 999 1511 2782 3669
UNITED SERVICES AUTOMOBILE ASSOCIATION 2708 3514 4142 4550 2481 3191 3747 4108
USAA CASUALTY INSURANCE CO. 2681 3481 4108 4516 2456 3162 3717 4078
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. 806 1712 3169 4471 755 1598 2962 4193
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 681 870 1213 1602 645 815 1126 1482
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 1336 1752 2290 N/A 1177 1540 2008
COUNTRY MUTUAL INSURANCE CO. 1814 2594 3863 4670 1671 2389 3556 4300
CSAA GENERAL INSURANCE CO. 961 1286 1657 1960 1021 1286 1657 1960
FARMERS INSURANCE CO. 2753 3135 3543 4633 2898 3306 3741 4896
HOMESITE INDEMNITY CO. 1126 1195 1625 1881 1109 1176 1597 1847
LIBERTY MUTUAL PERSONAL INSURANCE CO. 2363 2108 2203 2456 2311 2068 2164 2406
NORTH STAR MUTUAL INSURANCE CO. 1441 1581 2204 2933 1296 1422 1982 2638
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. 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. 880 1335 2491 3287 824 1247 2320 3061
UNITED SERVICES AUTOMOBILE ASSOCIATION 2815 3683 4357 4790 2610 3392 4001 4391
USAA CASUALTY INSURANCE CO. 2797 3660 4333 4765 2595 3372 3980 4370
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. 776 1646 3049 4301 726 1541 2852 4034
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 745 987 1397 1834 699 916 1285 1683
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 1738 2295 3011 N/A 1531 2019 2645
COUNTRY MUTUAL INSURANCE CO. 2080 2975 4429 5355 1916 2739 4078 4930
CSAA GENERAL INSURANCE CO. 1075 1333 1700 2015 1075 1333 1700 2015
FARMERS INSURANCE CO. 3287 3684 4106 5353 3404 3819 4259 5554
HOMESITE INDEMNITY CO. 1508 1610 2260 2646 1476 1575 2208 2583
LIBERTY MUTUAL PERSONAL INSURANCE CO. 2976 2632 2760 3093 2899 2573 2693 3012
NORTH STAR MUTUAL INSURANCE CO. 1531 1680 2342 3118 1378 1511 2106 2804
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. 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. 1218 1824 3359 4432 1161 1735 3175 4185
UNITED SERVICES AUTOMOBILE ASSOCIATION 2638 3479 4132 4557 2412 3158 3739 4115
USAA CASUALTY INSURANCE CO. 2630 3468 4121 4545 2406 3150 3731 4108
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. 833 1766 3272 4618 778 1651 3058 4313
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 746 960 1399 1912 702 893 1292 1759
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 1397 1836 2401 N/A 1233 1617 2111
COUNTRY MUTUAL INSURANCE CO. 1830 2617 3896 4711 1685 2409 3587 4337
CSAA GENERAL INSURANCE CO. 1212 1501 1937 2354 1212 1501 1937 2354
FARMERS INSURANCE CO. 2328 2611 2949 3885 2423 2720 3076 4055
HOMESITE INDEMNITY CO. 1206 1285 1793 2097 1180 1257 1751 2045
LIBERTY MUTUAL PERSONAL INSURANCE CO. 2307 2108 2181 2383 2269 2081 2153 2348
NORTH STAR MUTUAL INSURANCE CO. 1531 1680 2342 3118 1378 1511 2106 2804
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. 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. 911 1336 2340 3089 797 1181 2097 2773
UNITED SERVICES AUTOMOBILE ASSOCIATION 3023 3965 4703 5183 2817 3673 4345 4782
USAA CASUALTY INSURANCE CO. 3015 3951 4689 5170 2812 3662 4336 4773
USAA GENERAL INDEMNITY CO. 3172 4197 4997 5518 2928 3849 4570 5039