Best Homeowners Insurance in Oklahoma for 2026
Allstate is the best in Oklahoma overall, but State Farm may be less expensive
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- Allstate is the best overall insurer available in Oklahoma due to its low average rates, flexible policies and solid discount selection.
- The average cost of home insurance in Oklahoma is $5,533 per year.
- Wind and hail damage are especially common in Oklahoma, which contributes to the state’s high premiums.
- Some homeowners have had difficulties getting such costs covered by their insurers, leading to an influx of lawsuits in recent months.
Best homeowners insurance in Oklahoma
Finding the best homeowners policy isn’t just about premiums. Factors like customer service, coverage options and discount opportunities, among others, should also play a key role in identifying the best option for you.
Best overall: Allstate
Average annual rate: $3,712
Why we chose it: Allstate offers homeowners low rates alongside great coverage options and discount opportunities.
Who it’s best for: Allstate is best for homeowners who want robust coverage without breaking the bank.
PROS
- Many discount options
- Flexible policies
CONS
- Not the cheapest option available
- Middling customer service ratings
Best cheap home insurance: State Farm
Average annual rate: $3,170
Why we chose it: State Farm offers the cheapest rates among top insurers in Oklahoma. Plus, homeowners can choose from many coverage options and access solid customer service.
Who it’s best for: Homeowners looking to save on premiums without sacrificing coverage options.
PROS
- Low rates
- Lots of coverage options to choose from
CONS
- No personal injury coverage
- Not as many discounts as some other top insurers
Best for coverage options: Shelter
Average annual rate: $6,864
Why we chose it: Shelter offers more coverage options than any other top-ranking insurer available in Oklahoma, including personal injury coverage. It also offers excellent customer service.
Who it’s best for: Shelter is best for homeowners with specific coverage needs that may not be covered by a typical policy.
PROS
- Many policy customization options
- Highly rated customer service
CONS
- Limited discount opportunities
- Higher rates than other top insurers
Best for military families: USAA
Average annual rate: $5,957
Why we chose it: USAA provides home insurance policies to qualifying members with features tailored to their military status. Plus, homeowners can enjoy access to highly rated customer service.
Who it’s best for: USAA is best for those who want an insurer that is tailored to the needs of military members and their families.
PROS
- Excellent customer service
- Access to specialized features for military members
CONS
- Limited coverage options
- Fewer discount opportunities than other top-rated insurers
Compare home insurance rates and ratings in Oklahoma
| Company | Average annual rate* | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| State Farm | $3,170 | 4/5 | 1.35 |
| Allstate | $3,712 | 4/5 | 1.18 |
| Shelter | $6,864 | 4.5/5 | 0.43 |
 | Farm Bureau | $7,568 |  3.5/5 | 0.55 |
 | Farmers | $8,435 | 3.5/5 | 0.71 |
| USAA** | $5,957 | 4/5 | 0.52 |
In Oklahoma, rates can vary significantly between insurers. Comparing multiple options can help you find better pricing and coverage.
LendingTree analyzed home insurance quotes from every Oklahoma ZIP code to identify the best options for you.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in your state.
See our full methodology.
How much is homeowners insurance in Oklahoma?
The average cost of home insurance in Oklahoma is $5,533 per year. That translates to about $461 per month — more than double the national average.
Homeowners in the state also face high claim occurrences for things like wind and hail damage, further increasing the cost of homeownership in Oklahoma.
Average home insurance rates by dwelling coverage amount
In general, the more coverage you need, the more you’ll pay for a homeowners policy:
| Company | $300,000 coverage | $400,000 coverage | $550,000 coverage | $750,000 coverage |
|---|---|---|---|---|
| Allstate | $3,477 | $3,712 | $4,195 | $4,903 |
| State Farm | $2,674 | $3,170 | $3,789 | $4,485 |
| Shelter | $5,130 | $6,864 | $9,510 | $12,903 |
| USAA | $4,496 | $5,957 | $7,832 | $10,581 |
| State average | $4,670 | $5,951 | $8,761 | $11,548 |
Home insurance rates in Oklahoma by city
When it comes to home policy premiums in the Sooner State, location is key. For example, the three most affordable cities in Oklahoma for home insurance — Roland ($5,385), Grove ($5,401) and Picher ($5,403) — are all located along the eastern edge of the state.
Meanwhile, the most expensive cities in the state are even more densely clustered and are located within the Oklahoma City metro area, with Forest Park ($7,934), Spencer ($7,956) and Midwest City ($8,104) being within a half-hour drive of one another.
| City | Average rate |
|---|---|
| Achille | $6,063 |
| Ada | $6,179 |
| Adair | $5,598 |
| Adams | $6,553 |
| Addington | $6,290 |
| Afton | $5,410 |
| Agra | $6,394 |
| Akins | $5,451 |
| Albany | $6,055 |
| Albert | $6,581 |
| Albion | $6,029 |
| Alderson | $6,049 |
| Alex | $6,991 |
| Aline | $6,553 |
| Allen | $6,169 |
| Altus | $6,441 |
| Altus Afb | $6,458 |
| Alva | $6,603 |
| Amber | $7,221 |
| Ames | $6,509 |
| Amorita | $6,435 |
| Anadarko | $6,709 |
| Antlers | $5,969 |
| Apache | $6,695 |
| Arapaho | $6,771 |
| Arcadia | $7,591 |
| Ardmore | $6,018 |
| Arkoma | $5,444 |
| Arnett | $6,921 |
| Asher | $6,477 |
| Atoka | $5,961 |
| Atwood | $6,073 |
| Avant | $6,383 |
| Balko | $7,026 |
| Barnsdall | $6,059 |
| Bartlesville | $5,614 |
| Battiest | $5,866 |
| Beaver | $7,065 |
| Beggs | $6,051 |
| Bell | $5,833 |
| Bennington | $5,910 |
| Bessie | $6,812 |
| Bethany | $7,788 |
| Bethel | $5,769 |
| Bethel Acres | $6,654 |
| Big Cabin | $5,655 |
| Billings | $6,164 |
| Binger | $6,705 |
| Bison | $6,139 |
| Bixby | $5,601 |
| Blackwell | $6,032 |
| Blair | $6,642 |
| Blanchard | $7,407 |
| Blanco | $6,000 |
| Blocker | $6,131 |
| Bluejacket | $5,534 |
| Boise City | $6,363 |
| Bokchito | $5,910 |
| Bokoshe | $5,479 |
| Boley | $6,173 |
| Boswell | $5,748 |
| Bowlegs | $6,254 |
| Boynton | $5,793 |
| Bradley | $6,621 |
| Braggs | $5,750 |
| Braman | $6,001 |
| Bristow | $6,079 |
| Broken Arrow | $5,690 |
| Broken Bow | $5,604 |
| Bromide | $6,229 |
| Brushy | $5,446 |
| Buffalo | $6,800 |
| Bunch | $6,147 |
| Burbank | $5,924 |
| Burlington | $6,450 |
| Burneyville | $6,397 |
| Burns Flat | $6,536 |
| Bushyhead | $5,554 |
| Butler | $6,940 |
| Byars | $6,813 |
| Byng | $6,181 |
| Cache | $6,640 |
| Caddo | $5,864 |
| Calera | $5,902 |
| Calumet | $7,148 |
| Calvin | $6,101 |
| Camargo | $6,927 |
| Cameron | $5,411 |
| Canadian | $5,950 |
| Caney | $6,041 |
| Canton | $6,753 |
| Canute | $6,875 |
| Cardin | $5,676 |
| Carlisle | $5,615 |
| Carmen | $6,464 |
| Carnegie | $6,814 |
| Carney | $6,570 |
| Carrier | $6,165 |
| Carter | $6,751 |
| Cartwright | $6,038 |
| Cashion | $7,220 |
| Castle | $6,109 |
| Catoosa | $5,628 |
| Cedar Crest | $5,632 |
| Cement | $6,658 |
| Centrahoma | $6,101 |
| Central High | $6,573 |
| Chandler | $6,492 |
| Chattanooga | $6,634 |
| Checotah | $5,653 |
| Chelsea | $5,524 |
| Cherokee | $6,567 |
| Chester | $6,825 |
| Chewey | $5,949 |
| Cheyenne | $6,903 |
| Chickasha | $6,736 |
| Choctaw | $7,806 |
| Chouteau | $5,588 |
| Claremore | $5,555 |
| Clarita | $6,211 |
| Clayton | $5,873 |
| Cleo Springs | $6,657 |
| Cleora | $5,429 |
| Cleveland | $5,916 |
| Clinton | $6,642 |
| Coalgate | $6,076 |
| Colbert | $5,962 |
| Colcord | $5,571 |
| Coleman | $5,946 |
| Collinsville | $5,660 |
| Colony | $6,755 |
| Comanche | $6,631 |
| Commerce | $5,406 |
| Concho | $7,180 |
| Connerville | $6,191 |
| Cookson | $5,630 |
| Copan | $5,595 |
| Copeland | $5,408 |
| Cordell | $6,757 |
| Corn | $6,749 |
| Council Hill | $5,734 |
| Countyline | $6,581 |
| Covington | $6,211 |
| Coweta | $5,924 |
| Coyle | $6,602 |
| Crawford | $6,832 |
| Crescent | $6,775 |
| Cromwell | $6,256 |
| Crowder | $5,866 |
| Cushing | $6,055 |
| Custer City | $6,713 |
| Cyril | $6,821 |
| Dacoma | $6,594 |
| Daisy | $6,266 |
| Davenport | $6,287 |
| Davidson | $6,610 |
| Davis | $6,261 |
| Deer Creek | $6,391 |
| Del City | $7,776 |
| Delaware | $5,623 |
| Depew | $6,007 |
| Devol | $7,009 |
| Dewar | $5,950 |
| Dewey | $5,595 |
| Dibble | $7,444 |
| Dickson | $6,022 |
| Dill City | $6,859 |
| Disney | $5,728 |
| Dougherty | $6,269 |
| Douglas | $6,136 |
| Dover | $6,600 |
| Drummond | $6,213 |
| Drumright | $6,128 |
| Dry Creek | $5,630 |
| Duke | $6,578 |
| Duncan | $6,471 |
| Durant | $5,927 |
| Durham | $6,849 |
| Dustin | $6,246 |
| Eagletown | $5,543 |
| Eakly | $6,402 |
| Earlsboro | $6,458 |
| Edmond | $7,573 |
| El Reno | $7,421 |
| Eldorado | $6,539 |
| Elgin | $6,538 |
| Elk City | $6,672 |
| Elmer | $6,476 |
| Elmore City | $6,161 |
| Enid | $6,188 |
| Erick | $6,901 |
| Eucha | $5,599 |
| Eufaula | $5,684 |
| Fair Oaks | $5,637 |
| Fairfax | $5,964 |
| Fairland | $5,451 |
| Fairmont | $6,145 |
| Fairview | $6,647 |
| Fanshawe | $5,662 |
| Fargo | $6,896 |
| Faxon | $6,621 |
| Fay | $6,756 |
| Felt | $5,863 |
| Finley | $5,976 |
| Fittstown | $6,406 |
| Fitzhugh | $6,162 |
| Fletcher | $6,636 |
| Forest Park | $7,934 |
| Forgan | $7,087 |
| Fort Cobb | $6,686 |
| Fort Gibson | $5,621 |
| Fort Supply | $6,611 |
| Fort Towson | $5,733 |
| Foss | $6,709 |
| Foster | $6,595 |
| Fox | $6,386 |
| Foyil | $6,037 |
| Francis | $6,176 |
| Frederick | $6,531 |
| Freedom | $6,805 |
| Gage | $6,877 |
| Gans | $5,427 |
| Garber | $6,214 |
| Garvin | $5,578 |
| Gate | $6,931 |
| Geary | $6,943 |
| Gene Autry | $6,311 |
| Geronimo | $6,566 |
| Glencoe | $6,059 |
| Glenpool | $5,832 |
| Golden | $5,792 |
| Goldsby | $7,142 |
| Goltry | $6,374 |
| Goodwell | $6,623 |
| Gore | $5,691 |
| Gotebo | $6,575 |
| Gould | $6,594 |
| Gowen | $6,461 |
| Gracemont | $6,783 |
| Graham | $6,347 |
| Grandfield | $6,798 |
| Grandview | $5,650 |
| Granite | $6,667 |
| Grant | $5,710 |
| Greenfield | $6,643 |
| Grove | $5,401 |
| Guthrie | $7,166 |
| Guymon | $6,656 |
| Haileyville | $6,442 |
| Hallett | $6,002 |
| Hammon | $6,858 |
| Hanna | $5,952 |
| Hardesty | $6,722 |
| Harrah | $7,614 |
| Hartshorne | $5,969 |
| Haskell | $5,875 |
| Hastings | $6,570 |
| Haworth | $5,532 |
| Headrick | $6,479 |
| Healdton | $6,252 |
| Heavener | $5,530 |
| Helena | $6,495 |
| Hendrix | $5,903 |
| Hennepin | $6,284 |
| Hennessey | $6,686 |
| Henryetta | $5,804 |
| Hillsdale | $6,098 |
| Hinton | $6,945 |
| Hitchcock | $6,604 |
| Hitchita | $5,797 |
| Hobart | $6,613 |
| Hodgen | $5,545 |
| Holdenville | $6,088 |
| Hollis | $6,713 |
| Hollister | $6,568 |
| Hominy | $6,166 |
| Honobia | $5,967 |
| Hooker | $6,833 |
| Hopeton | $6,254 |
| Howe | $5,518 |
| Hoyt | $5,833 |
| Hugo | $5,699 |
| Hulbert | $5,622 |
| Hunter | $6,233 |
| Hydro | $6,681 |
| Idabel | $5,514 |
| Indiahoma | $6,865 |
| Indianola | $5,822 |
| Inola | $5,559 |
| Isabella | $6,557 |
| Jay | $5,540 |
| Jenks | $5,664 |
| Jennings | $6,022 |
| Jet | $6,476 |
| Jones | $7,787 |
| Justice | $5,552 |
| Kansas | $5,669 |
| Katie | $6,153 |
| Kaw City | $6,069 |
| Kellyville | $6,142 |
| Kemp | $6,034 |
| Kenefic | $5,989 |
| Kenton | $5,851 |
| Kenwood | $5,659 |
| Keota | $5,517 |
| Ketchum | $5,894 |
| Keyes | $6,509 |
| Kiefer | $6,350 |
| Kingfisher | $6,544 |
| Kingston | $6,154 |
| Kinta | $5,844 |
| Kiowa | $5,986 |
| Konawa | $6,322 |
| Krebs | $6,126 |
| Kremlin | $6,273 |
| Lahoma | $6,203 |
| Lamar | $6,256 |
| Lamont | $6,403 |
| Lane | $6,041 |
| Langley | $5,942 |
| Langston | $6,549 |
| Laverne | $6,916 |
| Lawton | $6,502 |
| Lebanon | $6,125 |
| Leedey | $6,988 |
| Leflore | $5,781 |
| Lehigh | $6,293 |
| Lenapah | $5,659 |
| Leon | $6,291 |
| Leonard | $5,992 |
| Lequire | $5,856 |
| Lexington | $7,067 |
| Limestone | $5,550 |
| Lindsay | $6,493 |
| Loco | $6,600 |
| Locust Grove | $5,631 |
| Lone Grove | $6,130 |
| Lone Wolf | $6,712 |
| Long | $5,439 |
| Longdale | $6,617 |
| Longtown | $5,677 |
| Lookeba | $6,755 |
| Loveland | $6,478 |
| Loyal | $6,787 |
| Lucien | $6,165 |
| Luther | $7,641 |
| Macomb | $6,807 |
| Madill | $6,080 |
| Manchester | $6,485 |
| Mangum | $6,548 |
| Manitou | $6,355 |
| Mannford | $6,039 |
| Mannsville | $6,040 |
| Maramec | $6,081 |
| Marble City | $5,851 |
| Marietta | $6,415 |
| Marland | $6,067 |
| Marlow | $6,585 |
| Marshall | $6,550 |
| Martha | $6,280 |
| Maud | $6,340 |
| May | $6,791 |
| Maysville | $6,408 |
| McAlester | $5,817 |
| McCord | $6,056 |
| McCurtain | $5,808 |
| McLoud | $6,834 |
| Mead | $5,995 |
| Medford | $6,480 |
| Medicine Park | $6,614 |
| Meeker | $6,523 |
| Meers | $6,642 |
| Meno | $6,521 |
| Meridian | $6,834 |
| Miami | $5,422 |
| Midwest City | $8,104 |
| Milburn | $6,017 |
| Milfay | $6,301 |
| Mill Creek | $6,183 |
| Millerton | $5,846 |
| Minco | $6,863 |
| Moffett | $5,828 |
| Monroe | $5,822 |
| Moodys | $5,823 |
| Moore | $7,812 |
| Mooreland | $6,759 |
| Morris | $5,654 |
| Morrison | $6,289 |
| Mounds | $6,201 |
| Mountain Park | $6,562 |
| Mountain View | $6,728 |
| Moyers | $6,225 |
| Muldrow | $5,435 |
| Mulhall | $6,675 |
| Muse | $5,815 |
| Muskogee | $5,664 |
| Mustang | $7,852 |
| Mutual | $6,768 |
| Nardin | $6,011 |
| Nash | $6,416 |
| Nashoba | $5,872 |
| New Cordell | $6,759 |
| Newalla | $7,361 |
| Newcastle | $7,375 |
| Newkirk | $5,993 |
| Nichols Hills | $7,900 |
| Nicoma Park | $7,804 |
| Ninnekah | $6,864 |
| Noble | $7,505 |
| Norman | $7,537 |
| North Enid | $6,197 |
| North Miami | $5,492 |
| Nowata | $5,731 |
| Oakhurst | $5,648 |
| Oakland | $6,085 |
| Oaks | $5,854 |
| Oakwood | $6,745 |
| Ochelata | $5,662 |
| Oilton | $6,303 |
| Okarche | $7,077 |
| Okay | $5,982 |
| Okeene | $6,540 |
| Okemah | $6,195 |
| Oklahoma City | $7,894 |
| Okmulgee | $5,925 |
| Oktaha | $5,613 |
| Olustee | $6,582 |
| Omega | $6,750 |
| Oologah | $5,654 |
| Orlando | $6,563 |
| Osage | $5,768 |
| Oscar | $6,280 |
| Overbrook | $6,346 |
| Owasso | $5,592 |
| Paden | $6,262 |
| Panama | $5,939 |
| Panola | $5,979 |
| Paoli | $6,203 |
| Park Hill | $5,632 |
| Pauls Valley | $6,163 |
| Pawhuska | $5,734 |
| Pawnee | $5,855 |
| Peggs | $6,101 |
| Perkins | $6,063 |
| Perry | $6,191 |
| Pettit | $5,603 |
| Picher | $5,403 |
| Pickens | $5,862 |
| Piedmont | $7,664 |
| Pink | $6,603 |
| Pittsburg | $5,923 |
| Platter | $6,069 |
| Pocasset | $6,866 |
| Pocola | $5,492 |
| Ponca City | $5,980 |
| Pond Creek | $6,486 |
| Porter | $5,635 |
| Porum | $5,616 |
| Poteau | $5,518 |
| Prague | $6,493 |
| Preston | $6,099 |
| Proctor | $6,008 |
| Prue | $5,953 |
| Pryor | $5,634 |
| Pryor Creek | $5,618 |
| Purcell | $6,907 |
| Putnam | $6,742 |
| Quapaw | $5,524 |
| Quinton | $5,923 |
| Ralston | $6,094 |
| Ramona | $5,602 |
| Randlett | $6,912 |
| Ratliff City | $6,472 |
| Rattan | $5,847 |
| Ravia | $6,171 |
| Red Oak | $5,699 |
| Red Rock | $6,151 |
| Redbird | $5,938 |
| Rentiesville | $5,861 |
| Reydon | $6,925 |
| Ringling | $6,526 |
| Ringold | $5,729 |
| Ringwood | $6,611 |
| Ripley | $6,108 |
| Rocky | $6,792 |
| Rocky Mountain | $5,830 |
| Roff | $6,172 |
| Roland | $5,385 |
| Roosevelt | $6,678 |
| Rose | $5,754 |
| Rosston | $6,809 |
| Rufe | $5,745 |
| Rush Springs | $6,597 |
| Ryan | $6,577 |
| Salina | $5,657 |
| Sallisaw | $5,448 |
| Sams Corner | $5,640 |
| Sand Hill | $5,714 |
| Sand Springs | $5,745 |
| Sapulpa | $6,122 |
| Sasakwa | $6,354 |
| Savanna | $5,922 |
| Sawyer | $5,743 |
| Sayre | $6,819 |
| Schulter | $6,011 |
| Seiling | $6,844 |
| Seminole | $6,253 |
| Sentinel | $6,883 |
| Sequoyah | $5,562 |
| Shady Grove | $5,636 |
| Shady Point | $5,507 |
| Shamrock | $6,304 |
| Sharon | $6,705 |
| Shattuck | $6,969 |
| Shawnee | $6,418 |
| Shidler | $5,990 |
| Simms | $5,609 |
| Skiatook | $5,864 |
| Slaughterville | $7,286 |
| Slick | $6,175 |
| Smithville | $5,740 |
| Snake Creek | $5,629 |
| Snow | $5,961 |
| Snyder | $6,685 |
| Soper | $5,746 |
| South Coffeyville | $5,665 |
| Southard | $6,631 |
| Sparks | $6,495 |
| Spavinaw | $5,668 |
| Spencer | $7,956 |
| Spencerville | $5,760 |
| Sperry | $5,761 |
| Spiro | $5,451 |
| Springer | $6,196 |
| St. Louis | $6,417 |
| Sterling | $6,563 |
| Stidham | $5,920 |
| Stigler | $5,636 |
| Stillwater | $6,047 |
| Stilwell | $5,832 |
| Stonewall | $6,247 |
| Strang | $5,690 |
| Stratford | $6,245 |
| Stringtown | $6,198 |
| Stroud | $6,276 |
| Stuart | $6,022 |
| Sulphur | $6,132 |
| Sweetwater | $6,791 |
| Swink | $6,007 |
| Taft | $5,753 |
| Tahlequah | $5,643 |
| Talala | $5,597 |
| Talihina | $5,821 |
| Taloga | $6,853 |
| Tatums | $6,325 |
| Tecumseh | $6,594 |
| Temple | $6,812 |
| Tenkiller | $5,636 |
| Terlton | $5,796 |
| Terral | $6,444 |
| Texanna | $5,688 |
| Texhoma | $6,606 |
| Texola | $6,764 |
| Thackerville | $6,275 |
| The Village | $7,894 |
| Thomas | $6,835 |
| Tipton | $6,586 |
| Tishomingo | $6,023 |
| Titanic | $5,829 |
| Tonkawa | $6,035 |
| Tryon | $6,447 |
| Tulsa | $5,640 |
| Tupelo | $6,141 |
| Turley | $5,502 |
| Turpin | $7,080 |
| Tuskahoma | $5,805 |
| Tussy | $6,529 |
| Tuttle | $7,211 |
| Twin Oaks | $5,839 |
| Tyrone | $6,956 |
| Union City | $7,255 |
| Valley Brook | $7,734 |
| Valliant | $5,633 |
| Velma | $6,705 |
| Vera | $6,016 |
| Verden | $6,773 |
| Verdigris | $5,543 |
| Vian | $5,532 |
| Vici | $7,028 |
| Vinita | $5,612 |
| Vinson | $6,613 |
| Wagoner | $5,853 |
| Wainwright | $5,802 |
| Wakita | $6,547 |
| Walters | $6,586 |
| Wanette | $6,624 |
| Wann | $5,756 |
| Wapanucka | $5,972 |
| Wardville | $6,281 |
| Warner | $5,605 |
| Warr Acres | $7,925 |
| Washington | $7,178 |
| Watonga | $6,620 |
| Watson | $5,614 |
| Watts | $5,950 |
| Waukomis | $6,184 |
| Waurika | $6,580 |
| Wayne | $6,734 |
| Waynoka | $6,670 |
| Weatherford | $6,743 |
| Webbers Falls | $5,614 |
| Welch | $5,591 |
| Weleetka | $6,055 |
| Welling | $5,682 |
| Wellston | $6,741 |
| Westville | $5,908 |
| Wetumka | $6,188 |
| Wewoka | $6,331 |
| Wheatland | $7,560 |
| Whitefield | $5,708 |
| Whitesboro | $5,901 |
| Wilburton | $5,909 |
| Willow | $6,655 |
| Wilson | $6,204 |
| Wister | $5,660 |
| Woodall | $5,649 |
| Woodward | $6,626 |
| Wright City | $5,668 |
| Wyandotte | $5,447 |
| Wynnewood | $6,069 |
| Wynona | $6,705 |
| Yale | $6,099 |
| Yukon | $7,802 |
| Zeb | $5,649 |
Current state of homeowners insurance in Oklahoma
It’s no secret that home insurance rates have ballooned in the last five years, and Oklahoma is no exception. In fact, while the national average home policy premium rose by 47.90% during that time, homeowners in this southern state saw their rates rise a whopping 50.04%.
Unfortunately, the average cost of a policy in Oklahoma is also more than double the national average. So while the state generally followed those premium trends, a higher starting point has led to significantly higher costs for homeowners.
Some of the high costs here could be attributed to the prevalence of wind and hail losses, which are generally covered by home insurance policies.
After two hailstorms, one Oklahoma family found themselves in a legal battle with their insurer over a roof replacement claim. This led to a lawsuit over the “Hail Focus Initiative,” which is allegedly an internal policy that sought to narrow the scope of hail coverage. That lawsuit is ongoing and is one of hundreds of similar lawsuits currently pending in the state, according to reporting from NBC News.
How to compare homeowners insurance in Oklahoma
When comparing options, rates matter, but it’s also important to consider:
- Coverage limits: Make sure your home is fully covered. Insurers typically require your home to be insured at its full replacement value.
- Deductibles: Higher deductibles can lower premiums. However, you should still be able to afford your deductible in the event you need to file a claim.
- Exclusions: Check what isn’t covered, such as floods or maintenance-related damages.
- Add-ons: Consider extra coverage for high-value items, such as jewelry.
If you own one or more vehicles, consider bundling your home and auto insurance. Many insurance companies offer big discounts for this.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Oklahoma has high homeowners insurance premiums partly because of the state’s large number of claims for wind- and hail-related damage, which makes sense given it is located in Tornado Alley. Construction and replacement costs are also elevated here and in the surrounding area.
It depends on factors like which insurance company you choose, what discounts you qualify for and what add-ons you may need. However, the average $400,000 policy in Oklahoma costs $5,951 per year.
There are several options for lowering home insurance costs in Oklahoma. For instance, you might increase your home’s resistance to certain damages, like wind or hail. Or you could consider bundling your home and auto policies to access discounts.
Another factor here is that Oklahoma home insurance companies can consider your credit when setting premiums, so raising your credit score may help you find lower rates.
Methodology
The rates shown in this article are based on an analysis of nonbinding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Oklahoma ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from AM Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
See our home insurance ratings methodology and full editorial guidelines for further details.
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