Home Insurance Rate Comparison

Rate Comparison Chart (Updated 10/2023)
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 FARMERS & RANCHERS MUTUAL INS. CO. 1180 1917 3172 4476 1074 1738 2867 4041
AMERICAN MERCURY INSURANCE CO. 1905 2113 2700 3400 1635 1814 2313 2918
AMERICAN NATIONAL PROPERTY & CASUALTY CO. 2905 3189 3786 4377 2701 2963 3517 4067
AMERICAN STRATEGIC INSURANCE CORP. N/A 1550 1978 2601 N/A 1441 1837 2414
COUNTRY MUTUAL INSURANCE CO. 2370 3388 5040 6099 2182 3120 4645 5615
CSAA GENERAL INSURANCE CO. 1054 1316 1675 1965 1054 1316 1675 1965
FARMERS INSURANCE CO. 4696 5739 6921 9484 4940 6051 7296 9986
HOMESITE INDEMNITY CO. 1340 1778 2290 2925 1322 1746 2248 2869
LIBERTY MUTUAL PERSONAL INSURANCE CO. 3344 2937 3078 3462 3253 2869 3001 3366
NORTH STAR MUTUAL INSURANCE CO. 2102 2309 3221 4288 1892 2078 2897 3856
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 1624 2830 4016 5319 1520 2649 3760 4980
SAFECO INSURANCE CO. OF AMERICA 1745 2177 2869 3287 1712 2133 2813 3220
SHELTER MUTUAL INSURANCE CO. 1236 2034 3604 5131 1214 1996 3536 5032
STATE FARM FIRE AND CASUALTY CO. 2031 3422 5210 6554 1835 3049 4588 5752
TRAVELERS HOME AND MARINE INSURANCE CO. 1149 1736 3194 4212 1059 1602 2949 3889
UNITED SERVICES AUTOMOBILE ASSOCIATION 1047 1830 2914 3899 995 1713 2697 3582
USAA CASUALTY INSURANCE CO. 1050 1823 2897 3880 998 1704 2678 3560
USAA GENERAL INDEMNITY CO. 1196 2078 3300 4416 1137 1943 3052 4053
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 FARMERS & RANCHERS MUTUAL INS. CO. 1004 1618 2663 3749 916 1469 2409 3386
AMERICAN MERCURY INSURANCE CO. 1516 1676 2123 2655 1301 1438 1822 2279
AMERICAN NATIONAL PROPERTY & CASUALTY CO. 1685 1845 2181 2516 1556 1703 2013 2322
AMERICAN STRATEGIC INSURANCE CORP. N/A 1138 1458 1909 N/A 1062 1359 1776
COUNTRY MUTUAL INSURANCE CO. 1908 2728 4061 4910 1757 2511 3739 4520
CSAA GENERAL INSURANCE CO. 961 1286 1657 1960 1021 1286 1657 1960
FARMERS INSURANCE CO. 2630 3165 3834 5298 2782 3354 4064 5614
HOMESITE INDEMNITY CO. 1128 1400 1773 2241 1119 1383 1750 2210
LIBERTY MUTUAL PERSONAL INSURANCE CO. 2964 2644 2763 3080 2898 2593 2714 3018
NORTH STAR MUTUAL INSURANCE CO. 1441 1581 2204 2933 1296 1422 1982 2638
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 1275 2223 3157 4181 1194 2081 2956 3916
SAFECO INSURANCE CO. OF AMERICA 1732 2161 2847 3262 1698 2116 2791 3197
SHELTER MUTUAL INSURANCE CO. 933 1538 2725 3881 916 1508 2673 3806
STATE FARM FIRE AND CASUALTY CO. 1452 2401 3624 4541 1318 2150 3203 3999
TRAVELERS HOME AND MARINE INSURANCE CO. 935 1419 2647 3494 875 1325 2464 3253
UNITED SERVICES AUTOMOBILE ASSOCIATION 970 1658 2616 3498 925 1555 2425 3219
USAA CASUALTY INSURANCE CO. 996 1687 2652 3545 950 1582 2549 3264
USAA GENERAL INDEMNITY CO. 1106 1880 2960 3958 1054 1762 2742 3640
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 FARMERS & RANCHERS MUTUAL INS. CO. 1058 1710 2820 3974 965 1552 2551 3589
AMERICAN MERCURY INSURANCE CO. 1608 1786 2290 2888 1380 1533 1965 2479
AMERICAN NATIONAL PROPERTY & CASUALTY CO. 2018 2213 2619 3021 1852 2029 2402 2770
AMERICAN STRATEGIC INSURANCE CORP. N/A 1460 1877 2468 N/A 1359 1746 2293
COUNTRY MUTUAL INSURANCE CO. 2090 2989 4449 5380 1925 2752 4097 4953
CSAA GENERAL INSURANCE CO. 1075 1333 1700 2015 1075 1333 1700 2015
FARMERS INSURANCE CO. 3004 3557 4279 5958 3123 3704 4455 6198
HOMESITE INDEMNITY CO. 1428 1874 2415 3089 1408 1839 2368 3026
LIBERTY MUTUAL PERSONAL INSURANCE CO. 3732 3302 3462 3879 3636 3227 3378 3778
NORTH STAR MUTUAL INSURANCE CO. 1531 1680 2342 3118 1378 1511 2106 2804
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 1476 2574 3653 4838 1387 2419 3434 4548
SAFECO INSURANCE CO. OF AMERICA 1815 2262 2982 3416 1778 2217 2922 3346
SHELTER MUTUAL INSURANCE CO. 1055 1737 3078 4382 1036 1704 3018 4297
STATE FARM FIRE AND CASUALTY CO. 2042 3439 5233 6588 1846 3062 4609 5779
TRAVELERS HOME AND MARINE INSURANCE CO. 1278 1911 3508 4629 1219 1818 3315 4370
UNITED SERVICES AUTOMOBILE ASSOCIATION 1006 1750 2789 3748 955 1634 2574 3434
USAA CASUALTY INSURANCE CO. 1023 1765 2806 3772 971 1648 2589 3454
USAA GENERAL INDEMNITY CO. 1150 1987 3159 4244 1091 1854 2913 3885
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 FARMERS & RANCHERS MUTUAL INS. CO. 917 1470 2411 3390 838 1336 2183 3063
AMERICAN MERCURY INSURANCE CO. 1635 1819 2339 2955 1403 1561 2007 2536
AMERICAN NATIONAL PROPERTY & CASUALTY CO. 2015 2207 2612 3012 1823 1997 2364 2724
AMERICAN STRATEGIC INSURANCE CORP. N/A 1176 1505 1971 N/A 1097 1401 1833
COUNTRY MUTUAL INSURANCE CO. 1829 2616 3894 4709 1685 2408 3586 4335
CSAA GENERAL INSURANCE CO. 1212 1501 1937 2354 1212 1501 1937 2354
FARMERS INSURANCE CO. 2185 2573 3126 4390 2280 2688 3266 4584
HOMESITE INDEMNITY CO. 1059 1342 1703 2155 1045 1317 1669 2109
LIBERTY MUTUAL PERSONAL INSURANCE CO. 2894 2644 2736 2989 2846 2610 2701 2945
NORTH STAR MUTUAL INSURANCE CO. 1531 1680 2342 3118 1378 1511 2106 2804
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 1329 2317 3289 4357 1244 2169 3080 4080
SAFECO INSURANCE CO. OF AMERICA 1736 2166 2854 3395 1700 2120 2797 3328
SHELTER MUTUAL INSURANCE CO. 981 1614 2862 4075 963 1585 2807 3997
STATE FARM FIRE AND CASUALTY CO. 1511 2496 3771 4735 1369 2231 3329 4160
TRAVELERS HOME AND MARINE INSURANCE CO. 966 1416 2474 3266 843 1247 2213 2926
UNITED SERVICES AUTOMOBILE ASSOCIATION 1131 1930 3047 4077 1085 1826 2854 3796
USAA CASUALTY INSURANCE CO. 1165 1967 3091 4134 1118 1861 2896 3850
USAA GENERAL INDEMNITY CO. 1305 2200 3453 4613 1252 2081 3234 4292