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.
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 |