Best and cheapest companies for home and auto bundles in Oklahoma

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When you shop for home and auto insurance, some companies will have a better deal on bundled coverage than others. We compared multi-policy discounts from insurance companies in Oklahoma to determine which will give you the biggest price break when you purchase multiple types of coverage.

State Farm offers the biggest percentage break on your home and auto premiums in Oklahoma when you bundle. Bundle your policies with this insurance company, and it will cut your costs by an average of 31%.

Meanwhile, Allstate offers the cheapest overall rate when you bundle with the company in Oklahoma. On average, you will pay $4,641 when you bundle.

Key Takeaways

In Oklahoma, State Farm is the best home and auto bundle insurance provider, offering an average discount of 31%.
Some companies offer bigger savings for bundling than others, so it pays to shop around.
Where you live within the state will impact how much you can save by bundling.
Bundling usually makes sense, but there are situations where this might not be the case.

How we picked the best companies for home and auto bundling

In 2024, we conducted an analysis of home and auto insurance rates across all 50 states and Washington, D.C. using data from Quadrant Data Services. We examined the average bundling discounts offered by various insurance companies, calculating both pre and post bundling rates based on these discounts. Our analysis covered 48 insurance companies and data from 4,686 ZIP codes, providing a comprehensive view of bundling benefits nationwide.

Our recommendation for the best home and auto bundles in Oklahoma

We assessed companies based on the average savings they offer for home and auto insurance bundles, considering both dollar amounts and percentage discounts. Here are the top insurance companies in Oklahoma for home and auto bundling.

State Farm

State Farm offers a 31% bundle discount, which amounts to an average savings of $2,204. The combined cost of home and auto insurance before the discount is $7,183, and after the discount, it drops to $4,979.

Allstate

The average bundle discount at Allstate is $755, or 14%. Without a bundle discount, customers pay $5,396 for coverage. After the bundle discount, customers pay $4,641 on average. Allstate ranked at No. 11 in our Best Auto Insurance Companies ranking and No. 5 in the Best Home Insurance Companies ranking.

Farmers Insurance

Bundling auto and home insurance with Farmers Insurance can save an average of $1,630, or 17%. Without the discount, the coverage costs $9,430, but after the discount, it’s only $7,800.

Compare home and auto bundles in Oklahoma

Bundling your home and auto insurance in Oklahoma can result in significant savings, though the exact amount depends on the insurer. The table below highlights rates and potential savings with leading companies.

Company	Premium after Bundle	Auto and home bundling (Survey)	Home survey	A.M. Best Score	% Difference	Overall Rating
State Farm	$4,979	47	87.4	A++	31%	80.91
Allstate	$4,641	39	85	A+	14%	61.6
Farmers Insurance	$7,800	43	82	A	17%	52.94

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What company offers the cheapest home and auto bundles in Oklahoma?

If you bundle your policies, State Farm gives you the highest discount. Allstate has the lowest overall rate for bundling.

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
Allstate	$2,937	$2,459	$5,396	$4,641
State Farm	$5,617	$1,566	$7,183	$4,979
Oklahoma Farm Bureau	$3,929	$3,039	$6,968	$5,408
Farmers Insurance	$7,113	$2,317	$9,430	$7,800

Most and least expensive ZIP codes for home and auto insurance bundles in Oklahoma

The ZIP code you live in can influence the discount you’ll get for bundling your coverage and the base rates before the discount is applied. Here’s a list of the most and least expensive ZIP codes in Oklahoma for bundling insurance.

Most expensive ZIP codes

The ZIP code 73132 in Oklahoma has the highest average cost for bundling home and auto insurance, at $6,390. See the top 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	Average difference
73132	$6,390	21%
73162	$6,376	21%
73131	$6,375	21%
73114	$6,311	21%
73134	$6,301	21%
73142	$6,299	21%
73129	$6,295	21%
73120	$6,272	21%
73116	$6,251	21%
73102	$6,251	21%

Least expensive ZIP codes

The most affordable ZIP code in Oklahoma for bundling home and auto insurance is 74955, with an average rate of $4,909. Below are the 10 least expensive ZIP codes.

ZIP code	Average auto and home after discount	Average difference
74955	$4,909	21%
74027	$4,925	20%
74960	$4,930	20%
74116	$4,951	21%
74103	$5,027	21%
74119	$5,048	21%
74130	$5,055	21%
74727	$5,060	21%
74120	$5,061	21%
74108	$5,064	21%

Frequently asked questions about home and auto bundle insurance

Is bundling home and auto insurance right for everyone in Oklahoma?

Bundling your coverage can be one of the best ways to save on insurance. It also can be convenient to have all of your coverage with the same insurer. By bundling, you have one insurance company and can check all your coverages on a single website.

However, bundling might not always be the wisest option. For example, an insurer that offers a great deal on auto insurance might charge higher rates on homeowners insurance. In such a circumstance, you might be better off purchasing your auto insurance from one insurer and your homeowners coverage from another.

In addition, it is possible that an insurer might offer the coverage options you need for one type of insurance but not for the other.

Rather than simply assuming that a bundle is your best deal, it always pays to shop around.

“Remember when buying insurance that you’re doing so to protect your most valuable assets,” says Christine O’Brien, president of the Insurance Council of New Jersey. “Take the time to learn about policy limits and coverages and get several quotes.”

How can you switch to a home and auto bundle in Oklahoma?

Switching to a bundle is easy. Many people make this change when one of their policies is up for renewal. For example, if your auto insurance is with one company and your homeowners insurance is with another, you can decide to bundle your coverage with a single insurer the next time the coverage term for one of the two policies ends.

However, you do not have to wait until renewal to bundle your policies. If you decide to cancel one of your policies prior to the end of its coverage term, you should receive a refund for the months you will no longer be insured with the company.

If you decide to end coverage on one of your policies, be careful not to do so until you are sure your new coverage is in place and has been activated.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services in 2024 fielded from all 50 states and Washington, D.C. Rates were compared based on average home and auto premiums before bundling and after bundling based on the average multi-policy discount offered by each insurance company. The average total rate after the discount was calculated by subtracting a dollar amount equal to the average discount percentage from the pre-discount total rate.

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Chris Kissell

Contributing Researcher

Specializing in insurance and personal finance, Chris Kissell is a writer and editor whose work has been featured at Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate and Money Talks News. He is based in Denver.