Fact CheckedNerdy takeaways
Chubb is the top-rated insurer in Oklahoma, offering the best coverage for high-value homes.
Amica offers the best consumer experience.
State Farm is our best value pick, with premiums that are lower than the state average.
Country Financial receives the fewest consumer complaints.
USAA is our top choice for military families.
Oklahoma homeowners face skyrocketing home insurance premiums and high tornado and hail risks. To help you find the best home insurance in Oklahoma, we analyzed data and compared insurance companies across the state.
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. Even if an insurer serves your state, it may not write policies for all homes in all areas.
The best homeowners insurance companies in Oklahoma
best for high-value homes
Chubb
- Far fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Perks to help you protect your home.
- Most consumers can't get a quote online and will instead need to contact a local agent.
Why it’s worth a look: Chubb’s policies are designed for high-value homes, with generous coverage and perks. For example, Chubb insurance comes with extended replacement cost coverage for your house. This feature gives you a cushion in case it costs more to rebuild than expected.
Standout feature: Oklahoma homeowners can take advantage of Chubb’s free Wildfire Defense Services. A representative will come to your home and offer personalized tips for hardening it against fires. If a wildfire does approach, the service can send firefighters to your home.
Average rates: Not available.
» READ MORE: Chubb homeowners insurance review
best consumer experience
Amica
- High customer satisfaction ratings and low consumer complaints.
- Platinum Choice package offers extra coverage.
- Dividend policies can return a portion of your premiums.
- You can start a quote online but may have to finish the buying process by phone.
Why it’s worth a look: Amica regularly appears near the top of J.D. Power’s surveys on customer satisfaction and home insurance. Its website makes it easy to manage your policy, with services like online bill payment and claims filing.
Standout feature: Customers who want extra coverage may want to consider the Platinum Choice Home package. It includes higher limits and additional coverage for your home and valuables.
Average rates: Not available.
» READ MORE: Amica homeowners insurance review
best value
State Farm
- User-friendly website.
- Agents offer personalized service.
- Policies generally include extra coverage for your home’s structure.
- Below average for claim satisfaction in a recent J.D. Power study.
Why it’s worth a look: State Farm has some of the most affordable rates in Oklahoma among our top picks. It’s also the largest home insurer in the U.S., with plenty of coverage options to choose from.
Standout feature: State Farm offers Oklahoma policyholders a free Ting smart device. It monitors your home’s electrical system to help prevent fires.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$200,000 | $3,015 |
$300,000 | $3,870 |
$400,000 | $4,610 |
$500,000 | $5,225 |
$600,000 | $5,795 |
» READ MORE: State Farm homeowners insurance review
fewest complaints
Country Financial
- Far fewer complaints than expected for a company of its size.
- Many coverage options available.
- Can get an online quote but must finish the purchase over the phone.
Why it’s worth a look: Country Financial draws one of the lowest rates of consumer complaints of all the insurers we review. This suggests that policyholders are generally satisfied with their coverage.
Standout feature: You may be able to add guaranteed replacement cost coverage to your policy. This add-on will pay whatever it takes to rebuild your home after a claim, even if your coverage limit is too low. Not all insurers offer this option.
Average rates: Not available.
» READ MORE: Country Financial homeowners insurance review
BEST FOR MILITARY FAMILIES
USAA
- Policies include standard coverage that often costs extra elsewhere.
- Fewer customer complaints to state regulators than expected for a company of its size.
- Perks for military homeowners.
- Available only to active military members, veterans, some federal employees and their families.
Why it’s worth a look: USAA’s policies are designed for the military community. For instance, there’s no deductible for claims involving military uniforms or equipment. USAA sells home insurance to active military, veterans, some federal workers and their families.
Standout feature: USAA’s standard home insurance policy includes coverage to help you recover from identity theft. Many other companies charge extra for this coverage.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$200,000 | $2,290 |
$300,000 | $3,320 |
$400,000 | $4,365 |
$500,000 | $5,300 |
$600,000 | $6,125 |
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families. | |
» READ MORE: USAA homeowners insurance review
Other top home insurance companies in Oklahoma
These home insurance providers are also worth a look.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$7,560 | ||
Not available | ||
$5,715 |
How much does homeowners insurance cost in Oklahoma?
The average cost of homeowners insurance in Oklahoma is $7,255 per year, or about $605 per month. That's nearly three times the national average of $2,490 per year for the same amount of coverage.
These rates are based on a sample home insurance policy with $400,000 in dwelling coverage, $300,000 in liability coverage, a $1,000 deductible and no recent claims.
Did you know...
The dwelling coverage limit on your policy should be the amount it would take to rebuild your home, based on the cost of labor and construction in your area. It won't necessarily be the price you paid for the house or how much you could sell it for now. Use our calculator to estimate your home's rebuilding cost.
The median rebuilding cost for Oklahoma homes is $386,174, according to data from First Street, a climate risk modeling firm.
Below are the average rates for policies with various dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$200,000 | $3,935 |
$300,000 | $5,850 |
$400,000 | $7,255 |
$500,000 | $9,800 |
$600,000 | $11,795 |
The rates above are for homeowners with good credit. In Oklahoma, policyholders with poor credit pay an average of $14,465 per year — an increase of 99%.
Average cost of homeowners insurance in Oklahoma by city
The amount you pay will depend on where you live in the state. For example, the average cost of homeowners insurance in Oklahoma City is $9,770 per year, while Tulsa homeowners pay $6,285 per year, on average.
City | Average annual rate | Average monthly rate |
|---|---|---|
Ardmore | $6,830 | $569 |
Bartlesville | $6,305 | $525 |
Bethany | $9,000 | $750 |
Bixby | $6,255 | $521 |
Broken Arrow | $5,890 | $491 |
Claremore | $6,335 | $528 |
Duncan | $7,695 | $641 |
Durant | $6,170 | $514 |
Edmond | $9,745 | $812 |
El Reno | $9,335 | $778 |
Enid | $7,375 | $615 |
Jenks | $6,255 | $521 |
Lawton | $7,695 | $641 |
Muskogee | $6,545 | $545 |
Mustang | $9,335 | $778 |
Norman | $9,400 | $783 |
Oklahoma City | $9,770 | $814 |
Owasso | $6,175 | $515 |
Ponca City | $7,015 | $585 |
Sand Springs | $5,995 | $500 |
Sapulpa | $6,080 | $507 |
Shawnee | $7,935 | $661 |
Stillwater | $6,995 | $583 |
Tulsa | $6,285 | $524 |
Yukon | $9,335 | $778 |
The cheapest home insurance in Oklahoma
Here are the insurers we found with the cheapest rates for a variety of dwelling coverage limits.
Company
NerdWallet star rating
Average annual rate
American Farmers & Ranchers
Not rated
$2,885
$3,015
$3,360
$3,860
$2,290
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
$3,870
American Farmers & Ranchers
Not rated
$4,330
$4,655
$5,335
$3,320
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
$4,610
$5,715
American Farmers & Ranchers
Not rated
$5,880
$6,335
$4,365
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
$5,225
$7,040
American Farmers & Ranchers
Not rated
$7,425
$7,705
$5,300
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
$5,795
$8,205
American Farmers & Ranchers
Not rated
$8,975
$10,945
$6,125
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Cheap homeowners insurance in Oklahoma by claims history
Here are the cheapest home insurance companies in Oklahoma for homeowners who've filed a recent claim.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$4,610 | ||
$6,335 | ||
$6,835 | ||
American Farmers & Ranchers | Not rated | $6,890 |
$7,800 |
These rates are based on a sample homeowner with good credit, $400,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
Cheap homeowners insurance in Oklahoma by credit score
Here are the cheapest home insurance companies in Oklahoma for homeowners with poor credit. Read more about how your credit scores impact home insurance rates.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
American Farmers & Ranchers | Not rated | $10,540 |
$11,255 | ||
$11,890 | ||
$14,335 | ||
$11,485 | ||
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families. | ||
These rates are based on a sample home insurance policy with $400,000 in dwelling coverage, $300,000 in liability coverage, a $1,000 deductible and no recent claims.
Common discounts
Make sure to ask your home insurance company about any discounts you may be eligible for. Here are some of the most common:
Many insurers offer savings if you buy more than one policy, such as home and car insurance. See our picks for the best home and auto insurance bundles.
Got a burglar alarm, smoke detectors or a smart device that alerts you if you have a leak? Safety and security features like these could earn you a discount.
Sign up for paperless billing or set your premiums to autopay, and you could get a discount.
Many insurance companies give discounts to customers who’ve gone a certain number of years without filing a home insurance claim.
Some insurers offer discounts to new policyholders or reward those who’ve stuck around for a while.
Teachers, doctors, members of the military and others may be eligible for discounts from certain insurers.
Learn more about common home insurance discounts.
Common Oklahoma home insurance problems
High rates. Oklahomans pay the highest home insurance rates in the U.S., according to NerdWallet’s analysis. This is partly due to the state’s high risk of severe weather such as tornadoes and hailstorms. The state’s low level of rate regulation may also play a role, a New York Times investigation found.
Oklahoma lawmakers are looking into solutions to the state’s high insurance premiums but haven’t passed any bills as of this writing.
Tornadoes. Oklahoma sees an average of more than 50 tornadoes per year, according to the Oklahoma Department of Emergency Management, which calls the state the “tornado capital of the world.”
Home insurance usually covers damage from wind, including tornadoes. However, 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 2% deductible for wind and hail claims. If your house has $300,000 worth of dwelling coverage, you’d have to pay for the first $6,000 of wind damage yourself.
Learn more about home insurance and tornadoes.
Hail. Oklahoma sees frequent hailstorms, which can cause severe damage to your roof. While homeowners insurance usually covers hail damage, your policy may have restrictions. For example, your home may be covered only for damage that affects how it functions, not how it looks. You may also have a higher deductible for hail claims.
Flooding. Heavy rain can cause flash flooding in Oklahoma, and homeowners insurance generally won’t cover the damage. If your home is at risk, consider getting flood insurance. While you can buy it anytime, there’s often a 30-day waiting period before the policy takes effect.
To check your flood risk, start with the federal government’s flood maps. However, these maps don’t always capture all types of flood risk. You may want to check another source such as First Street, a company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating.
Common optional coverage
A standard homeowners policy can sometimes fall short, so it's worth looking for ways to make it more comprehensive. For example, we recommend asking if your insurer offers extended or guaranteed replacement cost coverage for your home. These add-ons give you extra dwelling coverage in case it costs more than you expect to rebuild your home after a disaster. Having this coverage can be a useful hedge against inflation.
Here are a few additional types of coverage you may want to buy.
Floods are the most common weather disaster in the U.S. and can happen anywhere, not just coastal areas. You can buy flood insurance through the federal government or from private companies. Learn whether you need flood insurance.
Consider buying earthquake insurance if you live in an at-risk area.
Homeowners policies generally won’t cover damage if a drain backs up into your home or your sump pump fails. Adding water backup coverage can help with these issues.
Homeowners policies may cover your stuff on an actual cash value or replacement cost basis. With actual cash value, the policy will pay less for older items that have lost value over time. To get enough of a claim payout to buy brand-new items, opt for replacement cost coverage.
If you have expensive jewelry, fine art or other valuables, you may need extra insurance for them. Learn more about scheduled personal property coverage.
Service line coverage pays to fix damaged water, gas, sewer or other underground lines on your property.
If your HVAC system or another major appliance fails, equipment breakdown coverage can help pay for repairs.
Oklahoma Market Assistance Program
The Market Assistance Program (OK-MAP) was designed in the 1980s to help Oklahomans struggling to find home insurance. OK-MAP isn’t an insurer. Instead, it will help you apply for coverage from various insurance companies.
To get a policy, you’ll fill out a questionnaire and send it to OK-MAP, who will forward it to a participating insurer. Each carrier has 10 days to respond with an offer of coverage. Only homeowners who have been rejected by at least three insurers are eligible to apply.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.Oklahoma Insurance Department
The Oklahoma Insurance Department oversees the state’s insurance industry. You can use its website to file a complaint about your insurer or learn about insurance basics. If you have insurance questions, you can call the agency’s Consumer Assistance Division at 800-522-0071.
How we review home insurance
Our editorial team considers these factors when rating homeowners insurance companies:
This part of our star rating is based largely on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. When available, we also include each company’s performance in the most recent J.D. Power Home Insurance Study. Other factors in our consumer experience score include customer-friendly features such as online claims filing and quotes.
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
Companies score higher if they offer many common endorsements and include more comprehensive coverage in their standard plans. In particular, we look at features such as extended coverage for the structure of your home and replacement cost coverage for personal belongings.
We evaluate how many of the most common home insurance discounts each company offers.
See our complete homeowners insurance rating methodology.
Frequently asked questions
Home insurance isn't legally required in Oklahoma, but if you have a mortgage, your lender may require you to have it. For more information, read Is Homeowners Insurance Required?
Most Oklahoma home insurance policies will cover hail damage, though they may not pay to fix issues that are solely cosmetic. You may have a higher deductible specific to hail claims.
Oklahoma has some of the country’s highest home insurance rates primarily due to its location and susceptibility to natural disasters. States prone to severe weather like tornadoes and hail often have higher insurance costs.
To save on your premium, ask your insurer if you qualify for any home insurance discounts.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.New York Times. Home Insurance Rates in America are Wildly Distorted. Here's Why.. Accessed .
- 2.Oklahoma Department of Emergency Management. Oklahoma: Tornado Capital of the World. Accessed .
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, coverage, discounts, claims process and website functionality. 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 or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in ZIP codes across all 50 states and Washington, D.C. 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:
$400,000 in dwelling coverage.
$40,000 in other structures coverage.
$200,000 in personal property coverage.
$80,000 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.
In states where credit is a rating factor, we changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
In select states, we added a single wind damage claim to see rates for homeowners with a claim on their record.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. 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.
Rebuilding cost methodology
The median home rebuilding cost referenced above is based on 2025 replacement cost data from First Street, a climate risk modeling firm. Actual replacement costs may vary based on factors like location, square footage, construction materials, the age of your home and local labor costs.
