Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Oklahoma Average homeowners insurance cost in Oklahoma Homeowners insurance in Oklahoma costs $5,749 per year or $479 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: April 14, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re a new homeowner or looking to buy insurance for your current home, securing the right homeowners’ insurance is crucial. Rates may vary depending on your insurance company and the coverage limits you choose.According to Insure.com’s data analysis, the average cost of homeowners insurance in Oklahoma is $5,749 a year. Continue reading to learn more about homeowners insurance rates in Oklahoma by ZIP code and insurer. Key Takeaways Homeowners insurance costs an average of $5,749 a year, based on Insure.com analysis.Of all the ZIP codes in Oklahoma, 74960 has the most affordable home insurance rates at around $4,952 annually.In Oklahoma, State Farm provides the most affordable home insurance at an average annual premium of $4,121. Average home insurance cost in Oklahoma by coverage levelHomeowners insurance costs $5,749 a year in Oklahoma for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.If you raise the dwelling coverage limit from $300,000 to $400,000, the cost of homeowners insurance in Oklahoma will increase to $7,164 per year for $100,000 in liability protection and a $1,000 deductible. Below, you’ll find the average cost of homeowners insurance in Oklahoma for dwelling coverage limits of $300,000, $400,000, and $500,000.Coverage Average annual rate Average monthly rate$200,000 with $1,000 Deductible and $100,000 Liability and None Deductible$4,356 $363 $200,000 with $1,000 Deductible and $300,000 Liability and None Deductible$4,442 $370 $300,000 with $1,000 Deductible and $100,000 Liability and None Deductible$5,749 $479 $300,000 with $1,000 Deductible and $300,000 Liability and None Deductible$5,858 $488 $400,000 with $1,000 Deductible and $100,000 Liability and None Deductible$7,164 $597 $400,000 with $1,000 Deductible and $300,000 Liability and None Deductible$7,294 $608 $600,000 with $1,000 Deductible and $100,000 Liability and None Deductible$10,252 $854 $600,000 with $1,000 Deductible and $300,000 Liability and None Deductible$10,415 $868 $1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible$15,849 $1,321 $1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible$16,061 $1,338 Homeowners insurance companies in Oklahoma determine rates based on risk factors. When calculating premiums, they consider your location, claims history, credit history and coverage limits.If your neighborhood has experienced many claims in the last few years, you can expect to pay higher home insurance rates than areas with few to no claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in OklahomaIt’s always wise to shop around and compare prices before you buy homeowners insurance. There are many factors that go into deciding the best homeowners insurance company.We have compared the insurers in Oklahoma using their NAIC score and AM Best rating and compiled a list of the best homeowners insurance in Oklahoma. Based on the analysis, Shelter Insurance received the lowest NAIC score and A rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best rating NAIC Complaint IndexOverall scoreShelter Insurance$5,463A0.425Oklahoma Farm Bureau$4,222A-0.44.93State Farm$4,121A++0.953.93Allstate$4,415A+0.93.85Farmers$7,286A0.543.45Average homeowners insurance cost by company in OklahomaState Farm has the cheapest homeowners insurance rates in Oklahoma. Its average annual cost for Oklahoma homeowners is $4,121. Oklahoma Farm Bureau and Allstate also offer affordable insurance.By comparing homeowners insurance rates, you could save hundreds, if not thousands, of dollars annually.The table below shows the average annual and monthly insurance rates for homeowners in Oklahoma with $300,000 in dwelling coverage, $100,000 in liability coverage, and a $1,000 deductible.Company Average annual rate Average monthly rateState Farm$4,121$343Oklahoma Farm Bureau$4,222$352Allstate$4,453$371Shelter Insurance$5,463$455Farmers$7,855$655USAA$6,267$522Oklahoma homeowners insurance rates by ZIP codeInsurance providers in Oklahoma factor in the risk of a given location when determining rates. ZIP codes with higher crime rates or frequent natural disasters are typically classified as high-risk, leading to increased premiums. Additionally, the cost of rebuilding or repairing homes in that area can affect your homeowners insurance costs.To get the best deal on homeowners insurance rates in Oklahoma, take the time to shop around and compare quotes from multiple insurers. Additionally, don’t forget to ask about potential discounts, like bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in OklahomaNot every area in Oklahoma has the same home insurance cost. How much you pay for homeowners insurance in Oklahoma depends on many factors, including your ZIP code. Our data shows that 74960 ZIP has low-cost home insurance rates in Oklahoma, at about $4,952 a year or $413 monthly.Below you can find homeowners insurance rates for some of the most affordable ZIP codes in Oklahoma.ZIP codeAverage annual rateAverage monthly rate74960$4,952$41374344$4,961$41374331$4,962$41374941$4,994$41674965$5,008$41774901$5,020$41874959$5,037$42074339$5,038$42074333$5,049$42174954$5,051$421Most expensive ZIP codes for home insurance rates in OklahomaYour ZIP code is a key factor in determining the cost of your homeowners insurance coverage. In Oklahoma, certain areas have higher insurance premiums due to elevated crime rates, increased risk of natural disasters, and higher living costs.73128 has the most expensive homeowners insurance rates in Oklahoma at an average annual cost of $6,904.Below, we’ve highlighted some of the most expensive ZIP codes in Oklahoma for home insurance:ZIP codeAverage annual rateAverage monthly rate73128$6,904$57573162$6,877$57373645$6,866$57273142$6,850$57173173$6,836$57073134$6,824$56973179$6,811$56873858$6,804$56773132$6,787$56673127$6,777$565Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Oklahoma by cityBroken ArrowEdmondNormanTulsaHome insurance rate trend in OklahomaWe analyzed home insurance rate trends in Oklahoma and found that homeowners insurance rates experienced an overall increase of 17% or $815, from 2022 to 2023.The below data shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$4,312$4,934$5,749To find the right homeowners insurance, research thoroughly and compare costs from multiple insurers, as they assess risk differently. Getting quotes from at least three companies helps ensure you get the most affordable coverage in Oklahoma.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed April 2025.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Oklahoma Average renters insurance cost in Oklahoma Average car insurance cost in Oklahoma Non-owner auto insurance in Oklahoma How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is condo (HO-6) insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? 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