Home Insurance Rate Comparison

Rate Comparison Chart (Updated 01/2024)
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.

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. 2674 2961 3191 3468 2664 2941 3152 3410
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 STRATEGIC INSURANCE CORP. N/A 1550 1978 2601 N/A 1441 1837 2414
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. 4696 5739 6921 9484 4940 6051 7296 9986
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. 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
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 ECONOMY INSURANCE CO. 2674 2961 3191 3468 2664 2941 3152 3410
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 STRATEGIC INSURANCE CORP. N/A 1138 1458 1909 N/A 1062 1359 1776
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. 2630 3165 3834 5298 2782 3354 4064 5614
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. 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
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 ECONOMY INSURANCE CO. 2690 2961 3191 3468 2681 2941 3152 3410
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 STRATEGIC INSURANCE CORP. N/A 1460 1877 2468 N/A 1359 1746 2293
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. 3004 3557 4279 5958 3123 3704 4455 6198
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. 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
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 ECONOMY INSURANCE CO. 2690 2961 3191 3468 2681 2941 3152 3410
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 STRATEGIC INSURANCE CORP. N/A 1176 1505 1971 N/A 1097 1401 1833
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. 2185 2573 3126 4390 2280 2688 3266 4584
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. 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
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