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Country Financial and Chubb are among the best home insurance companies in Oklahoma, according to our analysis.
We analyzed data from more than 30 insurance companies to help you find the best home insurance in Oklahoma. Below are the insurers that earned 5 stars in our analysis.
Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Not available | ||
Not available | ||
Not available | ||
USAA* | $3,535 | |
*USAA homeowners policies are available only to active military, veterans and their families. | ||
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Answer a few questions to see custom quotes and find the right policy for you.The best homeowners insurance companies in Oklahoma
Here's more information about the best home insurance companies in Oklahoma.
Amica
Well-established insurer known for great customer service.- High customer satisfaction ratings and low consumer complaints.
- Platinum Choice package offers extra coverage.
- Simple online claims filing and tracking.
- You can start a quote online but have to finish the buying process by phone.
Amica stands out for its broad range of coverage options. You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.
The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.
» READ MORE: Amica homeowners insurance review
Chubb
Perks and high coverage limits for affluent homeowners.- Significantly fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Large number of potential discounts.
- Most consumers aren't able to get a quote online and will instead need to contact a local agent.
Chubb generally serves affluent policyholders with high-value homes, offering lofty coverage limits and plenty of perks. For example, the company covers water damage from backed-up sewers and drains, and pays to bring your home up to the latest building codes during reconstruction after a claim. (Many insurers charge more for these types of coverage.)
Oklahoma homeowners can also sign up for free Wildfire Defense Services. These services include personalized recommendations for protecting your home and deployment of firefighters to your house if a wildfire is approaching.
» READ MORE: Chubb homeowners insurance review
Country Financial
Best for those who prefer to have a personal conversation with an agent when choosing coverage.- Far fewer complaints than expected for a company of its size.
- Many discounts and coverage options available.
- Can get an online quote but must finish the purchase over the phone.
Country Financial has multiple levels of homeowners coverage to help you find a package that works for your needs. You also have the option to add extra coverage for the structure of your home, in case the cost of rebuilding exceeds your policy’s dwelling coverage limit.
Country Financial sells homeowners insurance through local representatives. The company has drawn far fewer complaints than expected to state regulators.
» READ MORE: Country Financial homeowners insurance review
USAA
Offers perks and affordable rates for the military community.- Policies include standard coverage that often costs extra elsewhere.
- Far fewer customer complaints to state regulators than expected for a company of its size.
- Rates are below the national average, according to NerdWallet’s analysis.
- Available only to active military members, veterans and their families.
USAA sells homeowners insurance to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.
For example, USAA automatically covers your personal belongings on a replacement cost basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.
» READ MORE: USAA homeowners insurance review
Other home insurance companies to consider
Looking for more of the best homeowners insurance companies in Oklahoma? These insurers received a NerdWallet star rating of 4.5:
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$7,895 | ||
Not available | ||
$5,550 | ||
Not available | ||
$3,580 | ||
$5,340 |
How much does homeowners insurance cost in Oklahoma?
The average annual cost of home insurance in Oklahoma is $6,210. That’s 194% more than the national average of $2,110, making it the most expensive state in the U.S. for homeowners insurance, according to NerdWallet’s rate analysis.
In most U.S. states, including Oklahoma, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.
In Oklahoma, those with poor credit pay an average of $10,115 per year for homeowners insurance, according to NerdWallet’s rate analysis. That's 63% more than homeowners with good credit pay.
Average cost of homeowners insurance in Oklahoma by city
How much you pay for home insurance in Oklahoma will depend on your ZIP code. For example, the average cost of homeowners insurance in Oklahoma City is $7,085 a year, while homeowners in Tulsa pay an average of $5,250 per year.
City | Average annual rate | Average monthly rate |
|---|---|---|
Ada | $5,050 | $421 |
Ardmore | $4,915 | $410 |
Bartlesville | $5,275 | $440 |
Bixby | $5,170 | $431 |
Broken Arrow | $5,170 | $431 |
Claremore | $5,120 | $427 |
Duncan | $5,335 | $445 |
Durant | $4,760 | $397 |
Edmond | $6,715 | $560 |
Enid | $5,550 | $463 |
Lawton | $5,570 | $464 |
McAlester | $4,760 | $397 |
Muskogee | $4,840 | $403 |
Mustang | $6,870 | $573 |
Norman | $6,975 | $581 |
Oklahoma City | $7,085 | $590 |
Owasso | $5,265 | $439 |
Ponca City | $5,540 | $462 |
Sand Springs | $5,320 | $443 |
Sapulpa | $5,245 | $437 |
Shawnee | $5,560 | $463 |
Stillwater | $5,510 | $459 |
Tahlequah | $4,770 | $398 |
Tulsa | $5,250 | $438 |
Yukon | $6,870 | $573 |
The cheapest home insurance in Oklahoma
Here are the insurers we found with average annual rates below the Oklahoma average of $6,210.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$3,580 | ||
$5,340 | ||
$5,550 | ||
American Farmers & Ranchers | Not rated | $5,570 |
USAA* | $3,535 | |
*USAA homeowners policies are available only to active military, veterans and their families. | ||
Common risks for Oklahoma homeowners
As an Oklahoma homeowner, you’ll likely face several risks. Here’s what you need to know about insuring your home against them.
Tornadoes
A standard homeowners policy covers damage from wind, including tornadoes. However, review your coverage details carefully. Some policies may have a separate deductible for wind damage. (A deductible is the part of an insurance claim you’re responsible for paying.)
For example, your policy may have a $1,000 deductible for most claims and a 1% deductible for wind claims. So if your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $2,500 of wind damage yourself. Choosing a higher deductible for wind damage can reduce your overall premium, but you’ll want to be sure you can afford it if disaster strikes.
Learn more about home insurance and tornadoes.
Flooding
Even if you don’t live in a flood plain, heavy rains can cause flash flooding. Since most standard homeowners insurance policies don’t cover flood damage, you may want to buy separate flood insurance. Keep in mind that while you can purchase flood coverage anytime, there is typically a 30-day waiting period before the policy takes effect.
To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps can be outdated and don’t always capture all types of flood risk. Another source to check is First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.
» MORE: Do you need flood insurance?
Hail
While your homeowners insurance will likely cover hail damage, there may be restrictions. For example, the policy may pay only for damage that affects how your home functions, not for cosmetic damage. You may also have a higher deductible for hail claims. Check your policy or contact your agent for exact coverage details.
Earthquakes
Earthquakes can significantly damage homes and property, including foundations, walls, roofs and HVAC systems. A standard homeowners policy typically won’t cover earthquake damage. As a result, at-risk Oklahoma homeowners may want to consider earthquake insurance.
Oklahoma insurance department
The Oklahoma Insurance Department oversees the state’s insurance industry and provides consumer resources such as homeowners insurance rate comparisons and shopping tips. The Oklahoma Insurance Department is also where you can file a complaint against your insurance company online, by mail or by fax. If you have insurance questions, you can call the agency’s Consumer Assistance Division at 800-522-0071 or 405-521-2828.
- Looking for more insurance in Oklahoma?
- Find home insurance in other states
Amanda Shapland contributed to this story.
Frequently asked questions
Is homeowners insurance required in Oklahoma?
Is homeowners insurance required in Oklahoma?
Home insurance isn't legally required in Oklahoma, but your mortgage lender may require you to have it. For more information, read Is Homeowners Insurance Required?
Does Oklahoma home insurance cover hail damage?
Does Oklahoma home insurance cover hail damage?
Most Oklahoma home insurance policies will cover hail damage, though they may not pay to repair issues that are solely cosmetic. You may have a higher deductible specific to hail claims.
Why is Oklahoma home insurance so expensive?
Why is Oklahoma home insurance so expensive?
Oklahoma has some of the country’s highest rates for home insurance, primarily due to its location and susceptibility to natural disasters. States prone to severe weather like tornadoes or hurricanes typically have higher insurance costs.
To save on your premium, ask your insurer if you qualify for any home insurance discounts.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in the 25 largest cities in each U.S. state by population. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance rating methodology.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
