Home Insurance Rate Comparison

Rate Comparison Chart (Updated 12/2021)
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. 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. 1987 2523 3423 4351 1857 2356 3195 4059
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. 1178 1558 2120 2586 1123 1468 1986 2425
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. 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 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. 1355 1712 2313 2933 1260 1591 2146 2719
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 1259 1701 2065 918 1189 1595 1939
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. 2208 1970 2059 2295 2160 1933 2022 2249
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 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. 1488 1884 2549 3234 1385 1751 2367 3000
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. 1145 1511 2055 2505 1091 1425 1926 2348
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. 2781 2460 2579 2891 2709 2405 2517 2815
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 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. 1380 1745 2357 2989 1274 1610 2174 2754
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. 1034 1358 1840 2236 986 1281 1727 2099
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. 2156 1970 2038 2227 2121 1945 2012 2194
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 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