Cheapest Homeowners Insurance in Oklahoma for 2022

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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 Takeaways

For 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 Oklahoma

Safeco, 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.

Company	Average annual premium	Average monthly premium
Safeco	$3,538	$295
USAA	$3,893	$324
Garrison	$4,168	$347
Farmers	$4,341	$362
Travelers	$4,568	$381
Allstate	$4,844	$404
Foremost	$6,997	$583
State Farm	$7,468	$622
CSAA	$12,981	$1,082

Compare cheap homeowners insurance in Oklahoma by ratings

Wondering 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.

Company	J.D. Power score	AM Best rating
USAA	882	A++
State Farm	835	A++
Allstate	829	A+
Farmers	813	A
Safeco	810	A
Liberty Mutual	806	A
Travelers	800	A++

How much is home insurance in Oklahoma

The 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 premium	Average monthly premium
$4,445	$370

Cheapest homeowners insurance in Oklahoma by ZIP code

Location 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 code	Average annual premium	Average monthly premium
74804	$3,874	$323
73069	$3,877	$323
73160	$3,938	$328
74533	$3,960	$330
73139	$3,963	$330
73159	$3,964	$330
73012	$3,976	$331
74457	$3,981	$332
73116	$4,005	$334
74964	$4,011	$334
73013	$4,019	$335
73162	$4,029	$336
74931	$4,039	$337
73120	$4,040	$337
74006	$4,042	$337

How much is home insurance in other states

Alaska$1,799/Year

Alabama$2,981/Year

Arkansas$3,439/Year

Arizona$1,976/Year

California$1,166/Year

Colorado$3,082/Year

Connecticut$1,961/Year

Washington D.C.$1,488/Year

Delaware$1,521/Year

Florida$3,439/Year

Georgia$2,555/Year

Hawaii$499/Year

Iowa$2,540/Year

Idaho$1,842/Year

Illinois$2,201/Year

Indiana$2,423/Year

Kansas$3,931/Year

Kentucky$2,862/Year

Louisiana$3,270/Year

Massachusetts$1,920/Year

Maryland$1,518/Year

Maine$1,833/Year

Michigan$2,153/Year

Minnesota$3,010/Year

Missouri$3,111/Year

Mississippi$3,340/Year

Montana$2,809/Year

North Carolina$2,009/Year

North Dakota$2,601/Year

Nebraska$3,133/Year

New Hampshire$1,455/Year

New Jersey$1,744/Year

New Mexico$2,299/Year

Nevada$1,486/Year

New York$1,840/Year

Ohio$2,107/Year

Oregon$1,608/Year

Pennsylvania$1,720/Year

Rhode Island$2,125/Year

South Carolina$2,678/Year

South Dakota$3,172/Year

Tennessee$2,692/Year

Texas$3,429/Year

Utah$1,378/Year

Virginia$1,956/Year

Vermont$1,212/Year

Washington$1,514/Year

Wisconsin$1,732/Year

West Virginia$2,486/Year

Wyoming$2,083/Year

Les Masterson

Contributor

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.