Home Insurance Rate Comparison

Rate Comparison Chart:
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. 1496 3175 5880 8365 1397 2966 5493 7783
ALLSTATE PROPERTY & CASUALTY INSURANCE CO. 2207 3305 5004 7075 2166 3243 4909 6941
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 1610 2178 3513 4513 1601 2170 3499 4480
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. 1030 1737 2940 4190 929 1565 2648 3773
AMERICAN NATIONAL PROPERTY & CASUALTY CO. 1893 2403 3259 4142 1781 2259 3061 3888
COUNTRY MUTUAL INSURANCE CO. 1543 2174 3132 3962 1423 1999 2881 3646
CSAA FIRE & CASUALTY INSURANCE CO. 1440 1549 2163 2910 1343 1439 1998 2677
FARMERS INSURANCE CO. 3388 4056 4787 6397 3535 4240 5007 6691
LIBERTY INSURANCE CORP. 2538 2543 3034 3810 2445 2459 2928 3664
METROPOLITAN PROPERTY & CASUALTY INS. CO. 1702 2865 4300 5959 1549 2607 3908 5404
NORTH STAR MUTUAL INSURANCE CO. 2029 2244 3163 4230 1825 2020 2845 3806
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 1562 2716 3842 5085 1407 2447 3462 4581
PROPERTY & CASUALTY INS. CO. OF HARTFORD 1659 3159 5094 6808 1579 3004 4842 6471
SAFECO INSURANCE CO. OF AMERICA 2480 2556 3115 3616 2366 2404 3142 3320
SHELTER MUTUAL INSURANCE CO. 1194 1946 3441 4823 1171 1908 3374 4729
STATE FARM FIRE AND CASUALTY CO. 2798 3969 5785 7284 2518 3572 5206 6556
TRAVELERS HOME AND MARINE INSURANCE CO. 1158 1761 3249 4301 1087 1651 3034 4018
UNITED SERVICES AUTOMOBILE ASSOCIATION 887 1308 2037 2800 816 1207 1888 2599
USAA CASUALTY INSURANCE CO. 911 1338 2080 2862 837 1231 1921 2649
USAA GENERAL INDEMNITY CO. 1176 1678 2565 3502 1074 1539 2367 3239
TULSA F 1 F 2 F 3 F 4 M 1 M 2 M 3 M 4
ALLSTATE INSURANCE CO. 1185 2515 4659 6571 1108 2351 4354 6162
ALLSTATE PROPERTY & CASUALTY INSURANCE CO. 1754 2616 3951 5576 1722 2567 3875 5470
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 1598 2123 3395 4442 1580 2103 3357 4376
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. 834 1403 2372 3378 753 1265 2137 3043
AMERICAN NATIONAL PROPERTY & CASUALTY CO. 1274 1608 2171 2751 1050 1506 2030 2570
COUNTRY MUTUAL INSURANCE CO. 1158 1628 2341 2958 1070 1498 1684 2723
CSAA FIRE & CASUALTY INSURANCE CO. 1170 1252 1742 2332 1088 1164 1607 2148
FARMERS INSURANCE CO. 1866 2208 2612 3501 1953 2315 2741 3676
LIBERTY INSURANCE CORP. 2013 2031 2413 3008 1952 1980 2349 2917
METROPOLITAN PROPERTY & CASUALTY INS. CO. 1278 2152 3225 4421 1163 1957 2934 4011
NORTH STAR MUTUAL INSURANCE CO. 1396 1544 2174 2908 1256 1388 1955 2615
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 1180 2051 2901 3839 1063 1848 2614 3459
PROPERTY & CASUALTY INS. CO. OF HARTFORD 1398 2655 4275 5711 1331 2524 4064 5428
SAFECO INSURANCE CO. OF AMERICA 2125 2191 2056 3107 2025 1931 2497 2841
SHELTER MUTUAL INSURANCE CO. 884 1443 2550 3574 868 1414 2501 3505
STATE FARM FIRE AND CASUALTY CO. 1235 1751 2553 3214 1111 1576 2297 2893
TRAVELERS HOME AND MARINE INSURANCE CO. 949 1444 2701 3579 891 1355 2523 3346
UNITED SERVICES AUTOMOBILE ASSOCIATION 949 1343 2058 2821 888 1255 1928 2647
USAA CASUALTY INSURANCE CO. 992 1395 2131 2926 929 1302 1994 2741
USAA GENERAL INDEMNITY CO. 1267 1739 2618 3567 1179 1619 2446 3339
LAWTON F 1 F 2 F 3 F 4 M 1 M 2 M 3 M 4
ALLSTATE INSURANCE CO. 1140 2419 4480 6324 1066 2263 4191 5931
ALLSTATE PROPERTY & CASUALTY INSURANCE CO. 1839 2746 4148 5858 1805 2693 4068 5745
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 1751 2355 3816 4938 1731 2336 3781 4875
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. 882 1486 2512 3579 796 1339 2263 3224
AMERICAN NATIONAL PROPERTY & CASUALTY CO. 1403 1774 2397 3040 1315 1661 2242 2842
COUNTRY MUTUAL INSURANCE CO. 1301 1830 2634 3331 1201 1684 2424 3066
CSAA FIRE & CASUALTY INSURANCE CO. 1339 1437 2008 2694 1248 1338 1852 2479
FARMERS INSURANCE CO. 2351 2745 3214 4300 2431 2841 3328 4453
LIBERTY INSURANCE CORP. 2644 2662 3194 4005 2549 2577 3089 3861
METROPOLITAN PROPERTY & CASUALTY INS. CO. 1409 2370 3552 4893 1281 2157 3234 4434
NORTH STAR MUTUAL INSURANCE CO. 1517 1677 2363 3159 1364 1509 2125 2842
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 1226 2131 3014 3989 1109 1928 2727 3608
PROPERTY & CASUALTY INS. CO. OF HARTFORD 1227 2324 3738 4991 1168 2210 3554 4744
SAFECO INSURANCE CO. OF AMERICA 2133 2202 2709 3120 2031 2063 2504 2851
SHELTER MUTUAL INSURANCE CO. 985 1606 2840 3981 966 1575 2785 3903
STATE FARM FIRE AND CASUALTY CO. 2812 3989 5815 7321 2531 3590 5233 6589
TRAVELERS HOME AND MARINE INSURANCE CO. 1023 1561 2938 3902 960 1464 2746 3651
UNITED SERVICES AUTOMOBILE ASSOCIATION 880 1250 1903 2601 807 1148 1754 2402
USAA CASUALTY INSURANCE CO. 926 1313 1996 2734 850 1204 1838 2520
USAA GENERAL INDEMNITY CO. 1177 1615 2407 3266 1070 1473 2208 3002
McALESTER F 1 F 2 F 3 F 4 M 1 M 2 M 3 M 4
ALLSTATE INSURANCE CO. 1224 2595 4808 6788 1143 2427 4496 6340
ALLSTATE PROPERTY & CASUALTY INSURANCE CO. 1642 2446 3690 5206 1612 2400 3619 5107
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 1823 2393 4057 5541 1793 2360 3996 5437
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. 752 1265 2136 3042 679 1140 1925 2740
AMERICAN NATIONAL PROPERTY & CASUALTY CO. 1281 1618 2183 2767 1194 1507 2031 2572
COUNTRY MUTUAL INSURANCE CO. 1253 1762 2535 3205 1157 1621 2333 2950
CSAA FIRE & CASUALTY INSURANCE CO. 1244 1332 1860 2285 1158 1241 1718 2293
FARMERS INSURANCE CO. 1656 1933 2291 3101 1719 2009 2382 3227
LIBERTY INSURANCE CORP. 2104 2162 2514 3069 2055 2121 2463 2998
METROPOLITAN PROPERTY & CASUALTY INS. CO. 1760 2961 4453 6169 1601 2696 4039 5594
NORTH STAR MUTUAL INSURANCE CO. 1501 1661 2339 3128 1351 1494 2104 2813
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 1112 1933 2734 3618 1002 1742 2463 3259
PROPERTY & CASUALTY INS. CO. OF HARTFORD 1418 2693 4337 5793 1350 2561 4123 5506
SAFECO INSURANCE CO. OF AMERICA 1899 1963 2418 2787 1808 1835 2227 2534
SHELTER MUTUAL INSURANCE CO. 926 1510 2671 3742 909 1481 2618 3669
STATE FARM FIRE AND CASUALTY CO. 1362 1932 2816 3546 1226 1739 2534 3191
TRAVELERS HOME AND MARINE INSURANCE CO. 915 1368 2438 3252 866 1294 2298 3070
UNITED SERVICES AUTOMOBILE ASSOCIATION 985 1359 2026 2747 883 1225 1840 2502
USAA CASUALTY INSURANCE CO. 1030 1415 2104 2855 923 1273 1908 2597
USAA GENERAL INDEMNITY CO. 1346 1800 2628 3535 1194 1607 2367 3196