Home Insurance Rate Comparison

Rate Comparison Chart (Updated 03/2020)
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. 821 1090 1409 1736 814 1081 1400 1721
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. 1519 1630 2283 3067 1410 1512 2105 2819
FARMERS INSURANCE CO. 3426 4077 4809 6436 3561 4245 5008 6702
LIBERTY INSURANCE CORP. 2246 2195 2417 2798 2177 2141 2357 2724
METROPOLITAN PROPERTY & CASUALTY INS. CO. 1588 2674 4007 5548 1446 2432 3647 5028
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. 2743 3890 5573 7140 2468 3501 5015 6426
TRAVELERS HOME AND MARINE INSURANCE CO. 967 1456 2672 3521 894 1347 2471 3257
UNITED SERVICES AUTOMOBILE ASSOCIATION 2623 3404 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. 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. 739 920 1149 1472 728 907 1132 1447
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. 1186 1268 1766 2365 1101 1181 1631 2178
FARMERS INSURANCE CO. 2126 2519 2991 4025 2232 2649 3147 4240
LIBERTY INSURANCE CORP. 1566 1624 1823 2120 1524 1593 1789 2077
METROPOLITAN PROPERTY & CASUALTY INS. CO. 1295 2179 3266 4480 1178 1983 2972 4063
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. 1595 2262 3241 4152 1435 2036 2917 3737
TRAVELERS HOME AND MARINE INSURANCE CO. 783 1182 2196 2896 734 1106 2047 2701
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. 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. 798 1063 1376 1689 792 1056 1368 1677
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. 1411 1513 2110 2840 1312 1404 1952 2612
FARMERS INSURANCE CO. 2602 3043 3568 4781 2691 3150 3695 4952
LIBERTY INSURANCE CORP. 2205 2171 2419 2817 2138 2119 2361 2745
METROPOLITAN PROPERTY & CASUALTY INS. CO. 1380 2323 3482 4791 1257 2115 3169 4341
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. 2753 3905 5593 7166 2477 3514 5034 6449
TRAVELERS HOME AND MARINE INSURANCE CO. 1120 1676 3093 4081 1069 1596 2926 3857
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. 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. 878 1188 1574 2015 870 1180 1564 1999
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. 1310 1403 1955 2406 1216 1304 1805 2414
FARMERS INSURANCE CO. 1828 2137 2538 3444 1898 2222 2640 3585
LIBERTY INSURANCE CORP. 1866 1743 1920 2188 1832 1719 1895 2156
METROPOLITAN PROPERTY & CASUALTY INS. CO. 1718 2892 4344 6018 1564 2631 3945 5458
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. 1678 2381 3410 4369 1511 2143 3069 3932
TRAVELERS HOME AND MARINE INSURANCE CO. 825 1207 2108 2783 725 1070 1894 2505
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