The Best Homeowners Insurance in Oklahoma for 2025

Chubb, USAA and Amica are among the best home insurance companies in Oklahoma, according to our analysis.

To help you find the best home insurance in Oklahoma, we gathered and analyzed data from insurance companies across the state. These are the insurers that earned 4.5 stars or more.

Rates are based on a sample homeowner with no recent claims, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

» MORE: The best home insurance companies

Here are more details about the best homeowners insurance companies in Oklahoma.

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.

Chubb caters to affluent homeowners, offering coverage other insurers often charge extra for. For example, the company’s policies include extended replacement cost coverage for the structure of your home. This is useful in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Policyholders in Oklahoma are eligible for free Wildfire Defense Services. These services include personalized recommendations for protecting your home and firefighters sent to your home if a wildfire is near.

» READ MORE: Chubb homeowners insurance review

Amica shines when it comes to customer service. It receives far fewer complaints than expected for an insurer of its size, according to the National Association of Insurance Commissioners. Amica also scored well in two recent J.D. Power surveys about home insurance and customer satisfaction.

The company also stands out for its range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. You may also be able to add coverage for identity theft or damage from backed-up drains.

» READ MORE: Amica homeowners insurance review

As America’s largest home insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage, and you may be able to add coverage for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

State Farm offers a free Ting smart plug to home insurance policyholders as a perk. This device monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Country Financial has multiple levels of homeowners coverage to help you choose the package that’s best for you. You can add extra coverage for the structure of your home, in case your policy limit isn’t enough, as well as broader coverage for your belongings.

Country Financial sells homeowners insurance through local representatives. The company receives far fewer complaints than expected for an insurer of its size.

» READ MORE: Country Financial homeowners insurance review

Allstate offers lots of ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You may have the option to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible when you sign up, plus an additional $100 off for each year you go without filing a claim. If you do file a claim, your rates won’t go up.

» READ MORE: Allstate homeowners insurance review

Openly’s standard home insurance policy goes well beyond those of many other insurers. Most notably, it offers guaranteed replacement cost coverage for the structure of your home. That means if your house is destroyed by a covered disaster, Openly will pay whatever it takes to rebuild it the way it was before.

Unlike many other insurers, Openly doesn’t have dog breed restrictions that could affect your ability to get liability coverage. It may also be a good bet for homeowners with collections of jewelry or other valuables, with up to $100,000 of blanket coverage available for these items.

» READ MORE: Openly homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA. The company offers perks for members of the military, like deductible-free coverage for military uniforms and equipment.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay only what your items are worth at the time of the claim.

» READ MORE: USAA homeowners insurance review

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.

» MORE: How your credit score affects home insurance rates

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.

» MORE: What’s the average cost of homeowners insurance?

Here are the insurers we found with average annual rates below the Oklahoma average of $6,210.

» MORE: The cheapest homeowners insurance

Here are some risks you may face as a homeowner in Oklahoma.

Tornadoes

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 1% deductible for wind claims. 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 be sure you can afford it if disaster strikes.

Learn more about home insurance and tornadoes.

Flooding

Most homeowners insurance doesn’t cover flood damage, so if you’re concerned about flooding, you may want to buy flood insurance. You can buy flood insurance anytime, but there’s typically a 30-day waiting period before the policy takes effect.

» MORE: Do you need flood insurance?

Hail

While your homeowners insurance will likely cover hail damage, your policy may have restrictions. For example, your home may only be covered for damage that affects how it functions, not how it looks. You may also have a higher deductible for hail claims.

Earthquakes

Earthquakes can damage homes and property, including foundations, walls, roofs and HVAC systems. Homeowners insurance typically won’t cover earthquake damage, so if you’re concerned about this, consider earthquake insurance.

» MORE: Home insurance calculator: Estimate your rate

The Oklahoma Insurance Department oversees the state’s insurance industry and provides resources such as homeowners insurance rate comparisons and shopping tips. You can file a complaint against your insurance company using the department’s website, 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.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.