Home Insurance Rate Comparison

Rate Comparison Chart (Updated 08/2024)
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.
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.

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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. 1307 1816 2606 3354 1238 1692 2404 3084
AMERICAN ECONOMY INSURANCE CO. 3556 3938 4244 4612 3543 3912 4192 4535
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. 1180 1917 3172 4476 1074 1738 2867 4041
AMERICAN MERCURY INSURANCE CO. 2188 2465 2858 3520 2121 2393 2772 3413
AMERICAN STRATEGIC INSURANCE CORP. N/A 2073 2618 3435 N/A 1921 2425 3195
CSAA GENERAL INSURANCE CO. 1161 1505 1988 2385 1161 1505 1988 2385
ENCOMPASS INSURANCE CO. OF AMERICA 1222 1924 2881 3654 1180 1857 2785 3533
FARMERS INSURANCE CO. 5332 5653 6878 9121 5599 5938 7226 9589
HOMESITE INDEMNITY CO. 1157 1660 2460 3111 1033 1474 2175 2746
LIBERTY MUTUAL PERSONAL INSURANCE CO. 3505 3078 3226 3628 3409 3007 3145 3528
MID-CENTURY INSURANCE CO. 2079 2302 3210 4230 2387 2636 3659 4848
NORTH STAR MUTUAL INSURANCE CO. 2102 2309 3221 4288 1892 2078 2897 3856
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 1887 3014 4211 5538 1766 2820 3941 5183
SAFECO INSURANCE CO. OF AMERICA 2460 3069 4044 4635 2414 3008 3966 4540
SHELTER MUTUAL INSURANCE CO. 1527 2511 4450 6334 1498 2465 4364 6212
STATE FARM FIRE AND CASUALTY CO. 2251 3787 5781 7288 2026 3362 5075 6375
UNITED SERVICES AUTOMOBILE ASSOCIATION 756 1583 2692 3888 764 1596 2710 3912
USAA CASUALTY INSURANCE CO. 745 1563 2666 3860 753 1576 2685 3883
USAA GENERAL INDEMNITY CO. 835 1776 3042 4421 843 1788 3060 4443
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. 1058 1364 1879 2406 1015 1289 1754 2234
AMERICAN ECONOMY INSURANCE CO. 3556 3938 4244 4612 3543 3912 4192 4535
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. 1004 1618 2663 3749 916 1469 2409 3386
AMERICAN MERCURY INSURANCE CO. 1661 1864 2166 2667 1613 1813 2104 2589
AMERICAN STRATEGIC INSURANCE CORP. N/A 1454 1839 2415 N/A 1351 1708 2240
CSAA GENERAL INSURANCE CO. 1166 1519 2014 2431 1166 1519 2014 2431
ENCOMPASS INSURANCE CO. OF AMERICA 1132 1761 2609 3301 1094 1702 2524 3194
FARMERS INSURANCE CO. 2911 3078 3831 5121 3066 3242 4045 5416
HOMESITE INDEMNITY CO. 1013 1447 2131 2682 905 1284 1883 2366
LIBERTY MUTUAL PERSONAL INSURANCE CO. 3106 2771 2896 3228 3037 2717 2844 3163
MID-CENTURY INSURANCE CO. 1455 1627 2309 3057 1585 1765 2493 3310
NORTH STAR MUTUAL INSURANCE CO. 1441 1581 2204 2933 1296 1422 1982 2638
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 1481 2365 3306 4349 1386 2214 3096 4072
SAFECO INSURANCE CO. OF AMERICA 1732 2161 2847 3262 1698 2116 2791 3197
SHELTER MUTUAL INSURANCE CO. 1152 1898 3365 4792 1131 1862 3301 4699
STATE FARM FIRE AND CASUALTY CO. 1603 2655 4019 5051 1448 2366 3537 4429
UNITED SERVICES AUTOMOBILE ASSOCIATION 731 1479 2491 3570 744 1501 2522 3611
USAA CASUALTY INSURANCE CO. 721 1464 2473 3553 734 1485 2504 3592
USAA GENERAL INDEMNITY CO. 794 1636 2781 4016 807 1657 2811 4054
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. 1156 1541 2151 2749 1100 1444 1992 2535
AMERICAN ECONOMY INSURANCE CO. 3578 3938 4244 4612 3566 3912 4192 4535
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. 1058 1710 2820 3974 965 1552 2551 3589
AMERICAN MERCURY INSURANCE CO. 1843 2076 2418 2982 1789 2018 2348 2895
AMERICAN STRATEGIC INSURANCE CORP. N/A 1889 2396 3158 N/A 1752 2222 2925
CSAA GENERAL INSURANCE CO. 1210 1560 2061 2496 1210 1560 2061 2496
ENCOMPASS INSURANCE CO. OF AMERICA 1135 1796 2690 3417 1085 1718 2577 3275
FARMERS INSURANCE CO. 3541 3734 4581 6097 3673 3874 4758 6338
HOMESITE INDEMNITY CO. 1101 1576 2331 2947 984 1400 2062 2604
LIBERTY MUTUAL PERSONAL INSURANCE CO. 3911 3460 3628 4065 3811 3382 3540 3959
MID-CENTURY INSURANCE CO. 1494 1660 2370 3199 1678 1859 2630 3541
NORTH STAR MUTUAL INSURANCE CO. 1531 1680 2342 3118 1378 1511 2106 2804
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 1715 2740 3828 5035 1612 2574 3598 4732
SAFECO INSURANCE CO. OF AMERICA 2559 3189 4204 4816 2507 3126 4119 4718
SHELTER MUTUAL INSURANCE CO. 1304 2147 3804 5414 1280 2106 3731 5310
STATE FARM FIRE AND CASUALTY CO. 2263 3809 5812 7329 2035 3378 5099 6409
UNITED SERVICES AUTOMOBILE ASSOCIATION 762 1573 2672 3854 771 1585 2689 3875
USAA CASUALTY INSURANCE CO. 752 1556 2652 3834 760 1569 2669 3855
USAA GENERAL INDEMNITY CO. 834 1750 2998 4354 842 1762 3014 4373
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. 1415 1802 2562 3428 1370 1725 2431 3245
AMERICAN ECONOMY INSURANCE CO. 3578 3938 4244 4612 3566 3912 4192 4535
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. 917 1470 2411 3390 838 1336 2183 3063
AMERICAN MERCURY INSURANCE CO. 1554 1748 2082 2589 1511 1702 2026 2519
AMERICAN STRATEGIC INSURANCE CORP. N/A 1517 1918 2520 N/A 1409 1780 2336
CSAA GENERAL INSURANCE CO. 1470 1871 2486 3090 1470 1871 2486 3090
ENCOMPASS INSURANCE CO. OF AMERICA 1054 1658 2469 3131 1004 1580 2356 2989
FARMERS INSURANCE CO. 2474 2608 3253 4364 2577 2716 3397 4563
HOMESITE INDEMNITY CO. 1028 1471 2167 2724 917 1304 1912 2399
LIBERTY MUTUAL PERSONAL INSURANCE CO. 3033 2771 2867 3132 2983 2735 2831 3086
MID-CENTURY INSURANCE CO. 1246 1402 2071 2846 1363 1525 2215 3027
NORTH STAR MUTUAL INSURANCE CO. 1531 1680 2342 3118 1378 1511 2106 2804
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 1543 2465 3446 4533 1445 2308 3226 4244
SAFECO INSURANCE CO. OF AMERICA 2447 3054 4024 4786 2397 2989 3943 4691
SHELTER MUTUAL INSURANCE CO. 1210 1993 3533 5030 1189 1956 3465 4933
STATE FARM FIRE AND CASUALTY CO. 1671 2767 4193 5272 1509 2462 3687 4616
UNITED SERVICES AUTOMOBILE ASSOCIATION 860 1733 2923 4176 866 1741 2930 4180
USAA CASUALTY INSURANCE CO. 850 1718 2904 4156 857 1726 2912 4161
USAA GENERAL INDEMNITY CO. 923 1890 3210 4614 930 1897 3216 4617