Best and Cheapest Home and Auto Bundle Companies in Oklahoma (2024)

State Farm earned a MoneyGeek score of 86 out of 100, making it our overall top pick in Oklahoma. Meanwhile, Allstate offers the cheapest home and auto insurance bundle in Oklahoma, costing around $3,358 per year.

By Mark Fitzpatrick

Edited by Kathryn Schroeder

Updated: December 2, 2024

Advertising & Editorial Disclosure

Key Takeaways

In Oklahoma, the top home and auto bundle provider is State Farm, with a MoneyGeek score of 86 out of 100 and offering the largest discount at 28%, while Allstate is the runner-up with a score of 81, providing the cheapest bundle option at approximately $3,358 per year and a 16% discount, although military families may find USAA to be the best option if eligible.

In Oklahoma, the top two cheapest home and auto bundle providers are Allstate, offering an annual premium of approximately $3,358, and Farmers, with a premium of around $3,647, making Allstate the most cost-effective option despite having a slightly lower discount rate compared to competitors.

The cheapest non-bundled insurance combination in Oklahoma consists of State Farm auto insurance at approximately $1,135 per year and Allstate home insurance at around $2,791 per year, totaling about $3,926 per year, which is $568 more expensive than Allstate's auto-home bundle priced at $3,358 per year.

Why trust MoneyGeek? Oklahoma bundle rates are supported by our analysis of quotes and ratings. The best bundles are determined using our proprietary scoring system that balances cost and discount with service experience.

80Quotes Analyzed

5Companies Compared

2Zip Codes

The Best Home and Auto Bundles in Oklahoma

The best bundle insurance provider is affordable and provides great service quality and a substantial discount. MoneyGeek’s top picks for the best auto and home insurance in Oklahoma for bundling are:

State Farm: MoneyGeek score of 86 out of 100
Allstate: MoneyGeek score of 81 out of 100

State Farm got a perfect score for its discount and above-average auto and home satisfaction scores. However, it’s worth noting that Allstate, our runner-up, has a cheaper policy. Allstate earned above-average rankings in home and auto insurance satisfaction as well as a high discount score.

pros

Earned a score of 4 out of 5 for home and auto insurance

Received a perfect score of 5 out of 5 for discounts

Offers roadside assistance

cons

Doesn't offer gap insurance

Doesn't offer paperless discount for its car insurance policy

COMPANY HIGHLIGHTS

Because of its overall high score, State Farm has the best auto and home insurance bundle in Oklahoma. State Farm’s bundle costs roughly $4,211 per year, decreasing the rate by roughly $1,660 annually because of the large bundling discount in Oklahoma of about 28%.

Drivers with State Farm auto insurance can add multiple coverages, such as roadside assistance and rental car/travel reimbursement. In case you’re involved in an accident and your vehicle needs repairs, the latter add-on covers car rental and travel expenses up to your chosen limit. Roadside assistance provides flat tire changes, battery jumpstarts and more.

State Farm stands out for home insurance optional coverages. It offers unique add-ons, such as energy efficiency upgrade. If your heating, air conditioning or water heating unit is damaged in a covered loss, State Farm pays up to 150% to help you upgrade and purchase a more energy-efficient appliance.

Read MoneyGeek's State Farm Auto Insurance Review

pros

Received a score of 4 out of 5 for home and auto insurance satisfaction

Received above-average discount rating

Provides custom parts coverage, a rare auto insurance add-on

cons

Lacks better car replacement coverage

Doesn't offer a discount for insuring multiple cars

COMPANY HIGHLIGHTS

Allstate is the second-best option for auto and home insurance bundling in Oklahoma. The insurer also provides the most affordable bundle, costing approximately $3,358 per year after a discount of around 16%, cutting the premium by roughly $642 annually.

Allstate offers rare coverages for auto insurance, namely custom parts coverage and portable electronics and media coverage. With Allstate’s custom parts coverage, full coverage policyholders may protect items, such as custom murals, special carpeting, bars and much more.

Additionally, Allstate provides several add-on coverages that homeowners can purchase like yard and garden. That coverage increases existing policy limits to protect riding lawn mowers, trees and landscaping. Homeowners can also get protection against mold and fungus.

Read MoneyGeek's Allstate Auto Insurance Review

The Best Home and Auto Bundles in Oklahoma for Military Backgrounds

In Oklahoma, USAA ranks as the best insurance company for eligible military personnel and their families that want to bundle home and auto insurance. USAA isn’t an available option to nonmilitary personnel; it exclusively serves them.

MoneyGeek Top Pick

USAA

USAA has the best auto and home insurance bundle in Oklahoma for veterans, active military members and their families. MoneyGeek gave USAA a perfect rating for home and auto insurance. Although this insurer fell short in terms of its discount, policyholders do benefit from an around 10% bundle discount. That reduces costs by around $483 annually, resulting in an average policy premium of $4,571 per year.

USAA auto insurance offers add-on coverages like accident forgiveness. Policyholders who are accident-free for five years with USAA won’t have a premium increase after their first at-fault accident.

Regarding USAA home insurance, it has home rental coverage to supplement a policy. USAA homeowners may also get a discount if they have a protective device at home.

The Best Home and Auto Bundle Discounts in Oklahoma

In Oklahoma, the average discount rate among insurance companies is 14%, providing savings of roughly $822 per year. MoneyGeek found that State Farm offers the biggest discount at around 28%, whereas Metropolitan offers the smallest discount at around 9%.

Although the company with the biggest discount may seem like the best choice, it isn’t always the cheapest option. For example, Allstate offers the most inexpensive home and auto insurance bundle in Oklahoma at around $3,358 per year. Its 16% discount rate is relatively significant; however, it is noticeably less than State Farm’s discount of 28%. Be sure to look at multiple companies to find the best bundling rate in Oklahoma.

Home and Auto Bundle Discount in Oklahoma

The Cheapest Home and Auto Bundles in Oklahoma

When you don’t consider the discount, the following insurers, on average, provide the cheapest home and auto insurance bundle in Oklahoma:

Allstate: $3,358 per year
Farmers: $3,647 per year

Although our picks offer the most affordable rate for our sample driver, it doesn’t necessarily mean that they cater to your needs. To save money in the long term, it’s beneficial to evaluate each company’s perks, downsides and unique offerings.

MoneyGeek Top Pick

Allstate

Allstate has the cheapest home and auto insurance in Oklahoma when bundling, with a policy that costs around $3,358 per year. Policyholders can save around 16% when bundling as opposed to purchasing separate home and car insurance policies.

Allstate also provides additional discounts that may lower the premium, such as safe driving, responsible payment, airbag and anti-lock brakes. It is also a great option for young drivers, according to MoneyGeek’s Allstate car insurance review, for its good student and distant student discounts.

Additionally, Allstate home insurance also has cost-saving options like new home, protective device and claims-free discounts.


Allstate	$3,358
Farmers	$3,647
State Farm	$4,211
MetLife	$7,484
Metropolitan	$7,484

The Cheapest Non-Bundle Insurance Combinations in Oklahoma

Although potentially convenient, bundling auto and home insurance in Oklahoma might not be the best way to cut costs. In some cases, getting insurance policies from two different companies can lead to increased savings.

However, in Oklahoma, according to MoneyGeek’s research, it’s much cheaper to bundle auto and home insurance if you choose Allstate, which costs roughly $3,358 per year.

The cheapest unbundled choice is with State Farm auto insurance (around $1,135/year) and Allstate home insurance (around $2,791/year), totaling approximately $3,926 per year. That costs around $568 more than Allstate’s auto and home insurance bundle.


State Farm	Allstate	$3,926
Farmers	Allstate	$3,938
State Farm	Farmers	$4,254
Allstate	Farmers	$4,327
MetLife	Allstate	$5,010
Metropolitan	Allstate	$5,010
Metropolitan	Farmers	$5,337
MetLife	Farmers	$5,337
Farmers	State Farm	$5,883
Allstate	State Farm	$5,944
Metropolitan	State Farm	$6,954
MetLife	State Farm	$6,954
State Farm	MetLife	$7,166
State Farm	Metropolitan	$7,166
Farmers	MetLife	$7,178
Farmers	Metropolitan	$7,178
Allstate	Metropolitan	$7,239
Allstate	MetLife	$7,239
Metropolitan	MetLife	$8,249
MetLife	Metropolitan	$8,249

Should You Bundle Home and Auto Insurance in Oklahoma?

Generally, bundling your home and auto insurance in Oklahoma is a good move. It’s much more convenient to have policies with one insurance provider, and you might secure a cheaper rate. But bundling may not always fit your unique situation.

Bundle discounts in Oklahoma can save you between 9% and 28% per year.

MoneyGeek’s research discovered that State Farm offers the largest discount rate, saving policyholders around 28% when they bundle. With State Farm, it’s possible to save roughly $1,660 per year. On the other hand, Metropolitan’s bundle only offers around a 9% discount.

Bundles are a convenient way to combine your most important property insurance policies.

Bundling auto and home insurance policies in Oklahoma has its benefits. For instance, you only need to focus on one account and file claims with one insurer. It’s possible to secure a more affordable premium, too.

In rare cases, it might be better not to bundle in Oklahoma.

Although MoneyGeek found it is cheaper to bundle auto and home insurance in Oklahoma, you might find that not bundling saves you money. You should always compare quotes from multiple companies and see whether bundling is the cheaper option or having policies with multiple companies.

About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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