Home Insurance Rate Comparison

Rate Comparison Chart (Updated 11/2022)
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. 1182 2507 4643 6579 1104 2342 4338 6119
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 1127 1579 2303 3016 1063 1468 2125 2777
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 1890 2449 3232 N/A 1758 2276 3002
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. 4372 5344 6437 8827 4599 5634 6787 9294
HOMESITE INDEMNITY CO. 1440 1535 2136 2493 1410 1503 2088 2434
LIBERTY MUTUAL PERSONAL INSURANCE CO. 2959 2599 2724 3064 2879 2539 2656 2979
NORTH STAR MUTUAL INSURANCE CO. 2102 2309 3221 4288 1892 2078 2897 3856
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 1485 2587 3671 4861 1389 2421 3436 4550
SAFECO INSURANCE CO. OF AMERICA 1479 1845 2431 2786 1451 1808 2384 2729
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 837 1445 2284 3049 798 1357 2121 2810
USAA CASUALTY INSURANCE CO. 793 1371 2172 2905 754 1283 2009 2668
USAA GENERAL INDEMNITY CO. 946 1634 2589 3468 899 1527 2393 3181

 

TULSA F 1 F 2 F 3 F 4 M 1 M 2 M 3 M 4
ALLSTATE INSURANCE CO. 936 1987 3680 5190 877 1856 3438 4866
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 837 1069 1479 1927 798 1007 1378 1788
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 1353 1720 2256 N/A 1259 1598 2095
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. 2433 2930 3545 4904 2573 3104 3757 5194
HOMESITE INDEMNITY CO. 1188 1260 1715 1984 1170 1241 1685 1949
LIBERTY MUTUAL PERSONAL INSURANCE CO. 2623 2340 2445 2726 2565 2295 2402 2671
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 1468 1831 2413 2764 1439 1793 2365 2709
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 958 1578 2436 3226 923 1498 2288 3009
USAA CASUALTY INSURANCE CO. 904 1492 2308 3062 868 1413 2161 2848
USAA GENERAL INDEMNITY CO. 1106 1820 2811 3729 1064 1724 2633 3470

 

LAWTON F 1 F 2 F 3 F 4 M 1 M 2 M 3 M 4
ALLSTATE INSURANCE CO. 900 1911 3539 4994 842 1788 3310 4684
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 926 1227 1721 2231 875 1144 1590 2055
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 1758 2254 2970 N/A 1634 2093 2756
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. 2793 3308 3976 5542 2903 3443 4138 5764
HOMESITE INDEMNITY CO. 1591 1699 2385 2792 1557 1662 2329 2725
LIBERTY MUTUAL PERSONAL INSURANCE CO. 3303 2922 3064 3433 3218 2856 2989 3343
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 1538 1917 2527 2895 1507 1879 2476 2836
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 830 1410 2221 2977 790 1322 2058 2739
USAA CASUALTY INSURANCE CO. 791 1347 2126 2854 752 1259 1964 2618
USAA GENERAL INDEMNITY CO. 954 1620 2557 3434 907 1514 2361 3147

 

McALESTER F 1 F 2 F 3 F 4 M 1 M 2 M 3 M 4
ALLSTATE INSURANCE CO. 967 2051 3797 5359 903 1917 3550 5007
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 892 1148 1651 2216 847 1077 1535 2052
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 1413 1803 2368 N/A 1315 1676 2199
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. 2015 2375 2880 4045 2102 2481 3009 4225
HOMESITE INDEMNITY CO. 1272 1356 1892 2212 1245 1326 1847 2158
LIBERTY MUTUAL PERSONAL INSURANCE CO. 2561 2340 2421 2645 2519 2310 2390 2606
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 1471 1836 2419 2877 1441 1797 2370 2820
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 984 1646 2570 3428 948 1565 2422 3212
USAA CASUALTY INSURANCE CO. 942 1573 2458 3281 906 1493 2311 3067
USAA GENERAL INDEMNITY CO. 1121 1868 2917 3894 1078 1773 2740 3636