Updated: December 17, 2024
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In Oklahoma City, Oklahoma, State Farm is the best and cheapest home insurance company overall. If customer service is your priority, Chubb is the top option.
These companies cater to different needs, so choose based on what matters to you, like coverage, cost or service.
Best HomeInsuranceOklahoma CityTable of Contents
Why Trust MoneyGeek? We used data from the Oklahoma Department of Insurance and Quadrant Information Services to find the best homeowners insurance in Oklahoma City.
Home insurance premiums in Oklahoma City reflect the most competitive quotations as of September 2024.
State Farm is the best home insurance option for $100K dwelling coverage in Oklahoma City, OK, with a MoneyGeek score of 91 out of 100.
Home insurance companies in Oklahoma City have scores ranging from 45 to 91, according to MoneyGeek's scoring system. Scores vary based on factors like credit history and home age.
| State Farm | 91 | $2,011 |
| Chubb | 89 | $3,698 |
| Allstate | 77 | $2,654 |
| Shelter | 71 | $2,463 |
| Oklahoma Farm Bureau | 71 | $2,074 |
| Farmers | 58 | $7,305 |
| The Hanover | 45 | $9,215 |
State Farm is the best home insurance company in Oklahoma City, OK, for $100K dwelling coverage due to its high affordability and customer satisfaction scores. The overall top providers are:
Although cost is crucial, consider customer satisfaction and coverage options because they significantly impact experiences, especially when making claims.
State Farm scores high in affordability and customer satisfaction, making it a top choice for home insurance. Discounts on bundling policies or installing protective devices like alarms can help you save.
It provides comprehensive coverage options, including scheduled personal property to protect valuables like cameras and musical instruments. Backup of sewer or drain protects against water damage from backed-up drains.
Chubb offers the best customer service in home insurance for $100K dwelling coverage in Oklahoma City, OK. The top providers in this category are:
Chubb stands out for its exceptional customer satisfaction and comprehensive coverage, contributing significantly to its high MoneyGeek score.
Excellent service in home insurance means helpful support and quick claims.
Chubb leads in service quality with high customer satisfaction and coverage scores. It offers comprehensive home insurance, including guaranteed replacement cost coverage, ensuring your home is rebuilt even if expenses exceed policy limits. Building ordinance or law coverage pays for upgrades to meet current codes after a loss. Cash settlement coverage lets you opt for a payout instead of rebuilding.
You can save with discounts for installing protective devices and having a new home.
State Farm is the best cheap home insurance company for $100K dwelling coverage in Oklahoma City, OK, due to its strong affordability and coverage scores. The top budget-friendly providers for this coverage amount are:
If saving on premiums is a priority, exploring the cheapest homeowner insurance companies can help. However, choosing low-priced home insurance often means lower coverage, which might not be enough if an accident happens.
The best cheap home insurance balances affordability with service quality, offering solid coverage and value, unlike the most affordable option, which prioritizes cost alone.
State Farm is the best cheap company, with high affordability and customer satisfaction scores. Discounts like bundling policies and installing alarms can help you save.
State Farm's coverages ensure protection against common issues. Building ordinance or law coverage helps with the costs of meeting updated building codes, and mold coverage protects against mold damage. Backup of sewer or drain coverage can help if water backs up into your home.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 24, 2024
Many factors, including location, affect homeowners insurance in Oklahoma City. Comparing rates is the best way to save money, but it may take up to 15 minutes per company. If you compare three or more, it could take over an hour. MoneyGeek's home insurance calculator helps you save time by focusing on key factors. Enter details like age, coverage and credit score for a quick estimate.
State Farm offers the lowest home insurance rates in Oklahoma City, OK. A critical factor influencing home insurance costs is the dwelling coverage you choose. Here are the cheapest rates for various coverage levels:
Securing the cheapest homeowners insurance in Oklahoma can help you manage your finances effectively.
| State Farm | $2,011 |
| Oklahoma Farm Bureau | $2,074 |
| Shelter | $2,463 |
| Allstate | $2,654 |
| Chubb | $3,698 |
| Farmers | $7,305 |
| The Hanover | $9,215 |
State Farm is the cheapest option for insuring high-value homes in Oklahoma City, OK. Homes that are costly to replace need higher dwelling coverage, leading to increased home insurance costs.
While State Farm is the cheapest option for expensive homes, consider all factors beyond just cost to ensure adequate coverage.
| State Farm | $8,295 |
| Allstate | $8,407 |
| Oklahoma Farm Bureau | $12,437 |
| Shelter | $18,763 |
| Farmers | $25,517 |
| Chubb | $27,236 |
| The Hanover | $63,614 |
State Farm has the cheapest insurance for new homes in Oklahoma City, OK.
Its low premiums make it the most affordable choice, though it may not always meet every homeowner's needs. Ensure your policy provides adequate coverage.
| State Farm | $1,206 |
| Shelter | $1,539 |
| Allstate | $1,840 |
| Oklahoma Farm Bureau | $2,074 |
| Chubb | $2,649 |
| Farmers | $5,342 |
| The Hanover | $6,083 |
The best cheap homeowners insurance providers balance quality and cost, offering excellent customer service and coverage at affordable premiums. The best option for you depends on your needs. Consider factors like coverage, customer service and deductibles.
Follow these steps to find the best cheap home insurance:
To determine how much home insurance coverage you need, consider your home's rebuilding costs and your personal property value.
Research insurance companies in Oklahoma City, OK, focusing on their financial stability, customer reviews and service quality.
After identifying your coverage needs, compare home insurance quotes. In Oklahoma City, OK, average annual premiums for $100K dwelling coverage range from $2,011 to $9,215.
Inquire about discounts, such as for bundling policies, installing safety devices or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium, but ensure it's manageable in case of a claim.
Enhancing home security with systems and strong locks can lower your insurance costs by reducing your home's risk profile.
Keeping a good credit score affects your insurance rates. Pay bills promptly and reduce debt.
Consider combining your homeowners insurance with other policies like auto insurance to gain discounts and save money.
The best cheap home insurance provider depends on your coverage needs and budget. Get answers to common questions about the best affordable insurance rates in Oklahoma City, OK.
On average, home insurance in Oklahoma City costs $3,599 per year.
State Farm offers the cheapest home insurance in Oklahoma City, with an average annual premium of $2,011.
State Farm provides the best home insurance in Oklahoma for Oklahoma City residents, with a MoneyGeek score of 91 out of 100.
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.
