Home Home insurance Average home insurance cost Cheapest homeowners insurance in Oklahoma Cheapest homeowners insurance in Oklahoma Written by: Les Masterson Les Masterson Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics. | Reviewed by: Ashlee Tilford Ashlee Tilford Ashlee, a former managing editor, insurance, at QuinStreet, is a journalist and business professional. She earned an MBA in 2014 with a concentration in finance. She has more than 15 years of hands-on experience in the finance industry. | Updated on June 6, 2022 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. You can save hundreds — if not thousands — of dollars each year if you shop around for homeowners insurance. Saving money on homeowners insurance in Oklahoma can be challenging if you don’t know the facts.Safeco has the lowest average homeowners insurance rates in Oklahoma, with an average premium of $3,538 a year or $295 a month.The good news is that Insure.com has simplified matters by carefully researching carriers and prices to find cheap homeowners insurance in Oklahoma. We’ve ranked the most affordable homeowners insurance providers in Oklahoma to help you in this process. Read further for our recommendations and for additional strategies designed to help you pay less for premiums.Key TakeawaysFor homeowners insurance with $300,000 dwelling coverage, $300,000 liability protection and $1,000 deductible, Safeco offers the cheapest homeowners insurance in Oklahoma at $3,538 per year.In Oklahoma the homeowners insurance cost is $2,140 more than the national average.Amongst all the zip codes in Oklahoma, the cheapest homeowners insurance is available at the 74804 zip code, with average annual premium of $3,874 per year.Cheap homeowners insurance companies in OklahomaSafeco, USAA and Garrison have the cheapest homeowners insurance in Oklahoma, on average.There’s a large rate difference between home insurance companies. Oklahoma homeowners could save more by shopping around and comparing insurance quotes.Here are average annual and monthly Oklahoma home insurance rates for a policy with $300,000 dwelling coverage and $300,000 liability protection with a $1,000 deductible.CompanyAverage annual premiumAverage monthly premiumSafeco$3,538$295USAA$3,893$324Garrison$4,168$347Farmers$4,341$362Travelers$4,568$381Allstate$4,844$404Foremost$6,997$583State Farm$7,468$622CSAA$12,981$1,082Compare cheap homeowners insurance in Oklahoma by ratingsWondering how to choose the best insurance company among the options available? We have analyzed the cheapest homeowners insurance companies in Oklahoma based on J.D. Power score and AM best rating. According to Insure.com’s survey, USAA received the highest J.D. power score of 882 and A++ rating from AM best.CompanyJ.D. Power scoreAM Best ratingUSAA882A++State Farm835A++Allstate829A+Farmers813ASafeco810ALiberty Mutual806ATravelers800A++How much is home insurance in OklahomaThe average cost of homeowners insurance in Oklahoma is $4,445 annually for $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible.One primary driver of home insurance cost is claims history. Here are the top average home insurance percentage premium increases based on claims:Filing a second fire claim — 60%Filing a second theft claim — 55%Filing a second liability claim — 52%Filing a second water damage claim — 50%Filing a second medical claim — 34%Average annual premiumAverage monthly premium$4,445$370Cheapest homeowners insurance in Oklahoma by ZIP codeLocation is a crucial part of your home insurance rate. Areas with more claims pay higher rates than ones that don’t have many. Here are the average home insurance rates by ZIP codes in Oklahoma:ZIP codeAverage annual premiumAverage monthly premium74804$3,874$32373069$3,877$32373160$3,938$32874533$3,960$33073139$3,963$33073159$3,964$33073012$3,976$33174457$3,981$33273116$4,005$33474964$4,011$33473013$4,019$33573162$4,029$33674931$4,039$33773120$4,040$33774006$4,042$337 How much is home insurance in other statesAlaska$1,799/YearAlabama$2,981/YearArkansas$3,439/YearArizona$1,976/YearCalifornia$1,166/YearColorado$3,082/YearConnecticut$1,961/YearWashington D.C.$1,488/YearDelaware$1,521/YearFlorida$3,439/YearGeorgia$2,555/YearHawaii$499/YearIowa$2,540/YearIdaho$1,842/YearIllinois$2,201/YearIndiana$2,423/YearKansas$3,931/YearKentucky$2,862/YearLouisiana$3,270/YearMassachusetts$1,920/YearMaryland$1,518/YearMaine$1,833/YearMichigan$2,153/YearMinnesota$3,010/YearMissouri$3,111/YearMississippi$3,340/YearMontana$2,809/YearNorth Carolina$2,009/YearNorth Dakota$2,601/YearNebraska$3,133/YearNew Hampshire$1,455/YearNew Jersey$1,744/YearNew Mexico$2,299/YearNevada$1,486/YearNew York$1,840/YearOhio$2,107/YearOregon$1,608/YearPennsylvania$1,720/YearRhode Island$2,125/YearSouth Carolina$2,678/YearSouth Dakota$3,172/YearTennessee$2,692/YearTexas$3,429/YearUtah$1,378/YearVirginia$1,956/YearVermont$1,212/YearWashington$1,514/YearWisconsin$1,732/YearWest Virginia$2,486/YearWyoming$2,083/YearShow moreLes MastersonContributor   . .Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. 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Most Americans don’t 1/1 Related Articles How to create a home inventory list By Cynthia Bowman Does homeowners insurance cover fireworks damage? By Nupur Gambhir Guide to the insurance claims history report (CLUE) By Shivani Gite How to shop for homeowners insurance in five steps By Geoff Williams Do I need homeowners insurance? By Lena Borrelli How much do claims increase home insurance rates? By Les Masterson Table of contents Cheap homeowners insurance companies in Oklahoma Compare cheap homeowners insurance in Oklahoma by ratings How much is home insurance in Oklahoma Cheapest homeowners insurance in Oklahoma by ZIP code Get instant quotes now ! Please enter valid zip Get quote