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 offers the biggest average discount of 31% on home and auto insurance bundles.
Different companies offer varying discounts for bundling, so it’s worth shopping around.
Where you live in the state can affect how much you save by bundling.
Bundling is generally a good idea, but in a few situations, it might not save you money.

How we picked the best companies for home and auto bundling

Insure.com analyzed home and auto insurance rates from Quadrant Data Services in 2024 for all 50 states and Washington, D.C. Home and auto bundling discount percentages, based on the average discount from each company were also analyzed. Before and after bundling rates were calculated using the average discount percentage. We included 48 companies and 4,686 ZIP codes in our analysis.

Our recommendation for the best home and auto bundles in Oklahoma

We ranked companies based on the average discounts they provide for home and auto bundles, factoring in both the dollar savings and percentage reduction. Below is our curated list of the top companies for home and auto bundles in Oklahoma.

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

Allstate offers an average bundle discount of $755, or 14%. Before the bundle discount, you’ll pay an average of $5,396, which will decrease to $4,641 after the discount is applied.

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

The amount you can save on home and auto insurance with a bundle in Oklahoma varies by company. Here is a breakdown of the rates and savings with top 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

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

State Farm provides the largest discount on premiums for bundled insurance, while Allstate offers the lowest overall rate when you bundle.

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

Your ZIP code can determine how much of a discount you’ll receive for bundling your insurance and the base rates before the discount is applied. Below, you’ll find the least and most expensive ZIP codes for home and auto insurance bundles in Oklahoma.

Most expensive ZIP codes

The most expensive ZIP code in Oklahoma for bundling home and auto insurance is 73132, with an average cost of $6,390. Here are the 10 most expensive ZIP codes:

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 least expensive ZIP code in Oklahoma for home and auto insurance bundling is 74955 at an average rate of $4,909. See the 10 least expensive ZIP codes below.

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 bundling home and auto insurance

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

Bundling your insurance policies can save you money and add convenience. With a single insurer, you’ll have one point of contact and easy access to all your coverage details on one website.

While bundling can be a good deal, it’s not always the right choice. Sometimes, a company may offer great auto insurance rates but have higher prices for homeowners insurance, so it might be worth looking elsewhere for your homeowners coverage.

Also, some insurers might provide the right coverage you need for one type of insurance but not for the other.

Instead of relying on a bundle, it’s worth checking out other options to ensure you get the best deal.

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?

Bundling your policies is a quick process. When one of your insurance policies is up for renewal, you can decide to bundle your car and homeowners insurance with the same company.

You don’t have to wait until renewal to bundle. If you cancel any of your policies early, you’ll likely get a refund for the months you won’t be covered.

Remember not to cancel your old policy until your new coverage is in place to avoid any gaps in coverage.

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.