Home Insurance Rate Comparison

Rate Comparison Chart (Updated 03/2025)

Keep These Basics in Mind. This guide lists annual rates for five 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 and company variations.

Be sure to read your policy carefully! Make certain you understand your coverage.

Scenario 1 Scenario 2 Scenario 3 Scenario 4 Scenario 5
Dwelling Amount $100,000 $200,000 $300,000 $400,000 $500,000
Deductible 1% 1% 1% 1% 1%
Contents $50,000 $100,000 $150,000 $200,000 $250,000
Personal Liability $100,000 $100,000 $100,000 $100,000 $100,000
Medical Expenses $1,000 $1,000 $1,000 $1,000 $1,000

PLEASE NOTE:

Companies were asked to provide rates for their standard Homeowners program for each of the five scenarios shown using the following assumptions:

  1. The rates shown below correspond to a Policy Form HO-3 with the above characteristics for each scenario 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 is represented, including replacement for composition roof surfacing.

* F denotes Frame structure and M denotes Masonry. The numbers following the Frame or Masonry represent the Scenario.

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Oklahoma City F1 F2 F3 F4 F5 M1 M2 M3 M4 M5
ALLSTATE INSURANCE CO. 2507 5025 7698 10370 13042 2342 4660 7144 9627 12112
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 2051 4017 6200 8382 10565 1917 3722 5753 7787 9819
AMERICAN ECONOMY INSURANCE CO. 3832 3832 4405 4405 4789 3920 3920 4236 4461 4831
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. 2293 3479 4658 6512 8224 2077 3151 4222 5900 7451
AMERICAN MERCURY INSURANCE CO. 3023 4000 5159 6509 8091 2899 3835 4943 6229 7725
AMERICAN STRATEGIC INSURANCE CORP. 1908 2437 3256 3915 4574 1746 2260 3016 3626 4306
CSAA GENERAL INSURANCE CO. 1438 2281 2954 3695 4462 1438 2281 2954 3695 4462
ENCOMPASS INSURANCE CO. OF AMERICA 2752 3818 4583 5233 5738 2678 3705 4439 5062 5543
FARMERS INSURANCE CO. 2372 3321 4281 5307 5843 2200 3088 3983 4952 5480
HOMESITE INDEMNITY CO. 1866 2434 3152 3799 4481 1824 2377 3080 3710 4374
LIBERTY MUTUAL PERSONAL INSURANCE CO. 1079 1719 2360 3001 3638 1129 1819 2509 3200 3886
MID-CENTURY INSURANCE CO. 1424 1999 2637 3232 3461 1690 2363 3122 3794 3987
NORTH STAR MUTUAL INSURANCE CO. 2260 3185 4339 6049 7784 2033 2865 3902 5441 7001
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 3014 4617 6421 8225 9812 2820 4321 6010 7698 9183
SAFECO INSURANCE CO. OF AMERICA 4120 5890 6922 8269 9370 4037 5771 6783 8005 9181
SHELTER MUTUAL INSURANCE CO. 2511 4333 6107 8024 9479 2465 4251 5990 7870 9295
STATE FARM FIRE AND CASUALTY CO. 3716 5620 6971 8132 9126 3299 4917 6069 7058 7904
UNITED SERVICES AUTOMOBILE ASSOCIATION 2620 3817 4941 5976 6812 2746 4049 5276 6413 7351
USAA CASUALTY INSURANCE CO. 2633 3866 5026 6097 6968 2757 4093 5355 6526 7497
USAA GENERAL INDEMNITY CO. 2963 4377 5714 6949 7948 3109 4647 6106 7463 8583
Tulsa F1 F2 F3 F4 F5 M1 M2 M3 M4 M5
ALLSTATE INSURANCE CO. 1987 3875 5983 8091 10198 1856 3593 5587 7584 9578
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 1013 1163 1287 1362 1500 1004 1150 1272 1345 1481
AMERICAN ECONOMY INSURANCE CO. 3890 3804 4147 4387 4761 3804 3890 4218 4442 4801
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. 1934 2935 3935 5497 6942 1753 2662 3571 4987 6297
AMERICAN MERCURY INSURANCE CO. 2285 3024 3902 4923 6119 2195 2902 3742 4714 5846
AMERICAN STRATEGIC INSURANCE CORP. 1370 1790 2298 2819 3397 1276 1690 2134 2662 3075
CSAA GENERAL INSURANCE CO. 1467 2317 3010 3781 4586 1467 2317 3010 3781 4586
ENCOMPASS INSURANCE CO. OF AMERICA 2416 3301 3904 4402 4771 2351 3201 3776 4250 4599
FARMERS INSURANCE CO. 1332 1934 2570 3247 3606 1248 1822 2425 3078 3437
HOMESITE INDEMNITY CO. 1498 1930 2467 2941 3485 1473 1897 2423 2887 3421
LIBERTY MUTUAL PERSONAL INSURANCE CO. 973 1507 2039 2575 3107 1015 1590 2164 2740 3313
MID-CENTURY INSURANCE CO. 953 1382 1840 2324 2596 1075 1542 2051 2561 2793
NORTH STAR MUTUAL INSURANCE CO. 1874 2640 3597 5015 6454 1686 2375 3235 4511 5804
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 2365 3626 5043 6459 7705 2214 3395 4721 6047 7214
SAFECO INSURANCE CO. OF AMERICA 3823 5466 6423 7581 8695 3746 5358 6296 7429 8521
SHELTER MUTUAL INSURANCE CO. 1898 3277 4620 6071 7172 1862 3214 4531 5954 7034
STATE FARM FIRE AND CASUALTY CO. 2606 3906 4830 5626 6308 2323 3428 4218 4895 5480
UNITED SERVICES AUTOMOBILE ASSOCIATION 2489 3570 4576 5498 6244 2564 3690 4738 5702 6489
USAA CASUALTY INSURANCE CO. 2518 3643 4693 5659 6446 2592 3761 4853 5860 6687
USAA GENERAL INDEMNITY CO. 2963 4377 5714 6949 7948 3109 4647 6106 7463 8583
Lawton F1 F2 F3 F4 F5 M1 M2 M3 M4 M5
ALLSTATE INSURANCE CO. 1911 3709 5740 7773 9805 1788 3440 5359 7279 9199
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 1086 1276 1438 1564 1742 1075 1259 1418 1541 1717
AMERICAN ECONOMY INSURANCE CO. 3780 3780 4114 4354 4793 3959 3865 4182 4406 4776
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. 1878 2850 3821 5338 6741 1703 2585 3469 4843 6116
AMERICAN MERCURY INSURANCE CO. 2539 3370 4351 5490 6819 2438 3234 4174 5259 6517
AMERICAN STRATEGIC INSURANCE CORP. 1765 2318 3025 3670 4314 1641 2118 2774 3462 4036
CSAA GENERAL INSURANCE CO. 1554 2372 3074 3868 4713 1554 2372 3074 3868 4713
ENCOMPASS INSURANCE CO. OF AMERICA 2514 3560 4330 4983 5503 2427 3426 4158 4781 5273
FARMERS INSURANCE CO. 1586 2299 3100 3883 4280 1467 2137 2887 3632 4028
HOMESITE INDEMNITY CO. 2040 2690 3507 4247 5042 1992 2626 3425 4146 4920
LIBERTY MUTUAL PERSONAL INSURANCE CO. 1027 1613 2198 2784 3370 1072 1704 2335 2966 3596
MID-CENTURY INSURANCE CO. 1054 1539 2078 2618 2897 1218 1745 2345 2906 3124
NORTH STAR MUTUAL INSURANCE CO. 2350 3313 4513 6292 8096 2115 2980 4060 5660 7283
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 2740 4198 5838 7479 8922 2574 3945 5487 7028 8384
SAFECO INSURANCE CO. OF AMERICA 2147 3704 5220 6860 8102 2106 3633 5119 6726 7945
SHELTER MUTUAL INSURANCE CO. 2147 3704 5220 6860 8102 2106 3633 5119 6726 7945
STATE FARM FIRE AND CASUALTY CO. 3736 5654 7013 8183 9183 3315 4944 6102 7099 7951
UNITED SERVICES AUTOMOBILE ASSOCIATION 2663 3906 5073 6151 7037 2780 4114 5369 6535 7509
USAA CASUALTY INSURANCE CO. 3695 3985 5198 6322 7251 2810 4189 5489 6700 7714
USAA GENERAL INDEMNITY CO. 3003 4464 5846 7127 8179 3137 4706 6194 7579 8735
McAlester F1 F2 F3 F4 F5 M1 M2 M3 M4 M5
ALLSTATE INSURANCE CO. 2051 4017 6200 8382 10565 1917 3722 5753 7787 9819
ALLSTATE VEHICLE & PROPERTY INSURANCE CO. 1405 1752 2185 2752 3733 1392 1732 2161 2724 3702
AMERICAN ECONOMY INSURANCE CO. 4116 3780 4124 4366 4750 3959 3866 4193 4419 4788
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. 1982 3008 4032 5633 7114 1797 2728 3659 5109 6452
AMERICAN MERCURY INSURANCE CO. 2127 2870 3736 4727 5872 2047 2762 3595 4542 5629
AMERICAN STRATEGIC INSURANCE CORP. 1442 1825 2385 2921 3453 1320 1721 2239 2710 3181
CSAA GENERAL INSURANCE CO. 2048 2887 3767 4808 5974 2048 2887 3767 4808 5974
ENCOMPASS INSURANCE CO. OF AMERICA 2263 3208 3903 4490 4959 2175 3074 3732 4288 4729
FARMERS INSURANCE CO. 1138 1692 2318 2949 3301 1062 1591 2184 2792 3145
HOMESITE INDEMNITY CO. 1603 2115 2749 3331 3992 1565 2064 2683 3249 3894
LIBERTY MUTUAL PERSONAL INSURANCE CO. 962 1482 2003 2523 3042 995 1549 2102 2656 3209
MID-CENTURY INSURANCE CO. 887 1346 1876 2419 2767 991 1469 2021 2559 2838
NORTH STAR MUTUAL INSURANCE CO. 2305 3249 4426 6171 7940 2074 2922 3981 5550 7142
OKLAHOMA FARM BUREAU MUTUAL INSURANCE CO. 2465 3779 5256 6732 8031 2308 3538 4920 6302 7518
SAFECO INSURANCE CO. OF AMERICA 3732 5337 6272 7402 8491 3659 5231 6147 7255 8322
SHELTER MUTUAL INSURANCE CO. 1993 3440 4850 6373 7529 1956 3375 4757 6250 7383
STATE FARM FIRE AND CASUALTY CO. 2717 4081 5052 5890 6603 2416 3575 4403 5117 5729
UNITED SERVICES AUTOMOBILE ASSOCIATION 2779 4135 5409 6597 7612 2839 4223 5523 6736 7776
USAA CASUALTY INSURANCE CO. 2808 4206 5521 6750 7803 2868 4294 5636 6889 7967
USAA GENERAL INDEMNITY CO. 3072 4612 6066 7423 8575 3140 4716 6205 7595 8780