Best and Cheapest Homeowners Insurance in Oklahoma for 2025 (10 Most Affordable Companies)

The best and cheapest homeowners insurance Oklahoma has to offer comes from USAA, Safeco, and State Farm, and costs as little as $22/month

Based on homeowners insurance reviews, USAA earns the title of best overall seeing as their coverage can be customized to each homeowner’s needs and priced reasonably.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$22	A++	Member Benefits	USAA
	#2	$29	B	Customer Satisfaction	State Farm
	#3	$34	A++	Comprehensive Coverage	Travelers
	#4	$35	A++	Affordable Rates	Geico
	#5	$36	A+	Extensive Discounts	Progressive
	#6	$38	A	Customizable Options	American Family
	#7	$40	A+	Usage-Based Savings	Nationwide
	#8	$44	A+	Driver Programs	Allstate
	#9	$45	A	Advanced Bundling	Farmers
	#10	$60	A	Flexible Policies	Liberty Mutual

Given the prevalence of natural disasters and high crime rates in a state like Oklahoma, you need to look for a provider that offers both cost and reliable coverage. To help you make the best choice for your home and budget, this article reviews these top-rated providers.

You don’t have to spend an arm and a leg to protect your home. Use our free tool to input your ZIP code to find inexpensive homeowners insurance now.

What You Should Know

• The cheapest and best homeowners insurance in Oklahoma is USAA at $22/month
• Flexible coverage provides the monthly home loan affordability
• Low-cost, reliable coverage is critical in Oklahoma’s disaster-prone areas

#1 – USAA: Top Pick Overall

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Pros

• Military-Focused Benefits: USAA, exclusively offering homeowners insurance services for military families.
• Low-Cost Rates: Homeowner premiums starting as low as $22/month. For more information, check out our USAA review.
• Superior Customer Service: USAA's claims service is superb, and homeowners can easily get help.

Cons

• Limited Eligibility: Homeowners insurance is available only to military members and their families.
• Fewer Discounts: USAA homeowners policies offer fewer discount options compared to competitors.

#2 – State Farm: Best for Customer Satisfaction

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Pros

• Wide Agent Network: State Farm's homeowners insurance offers access to local agents for personalized service.
• Budget-Friendly Options: Homeowners can secure coverage with rates starting at $29 per month.
• Customer Satisfaction: State Farm ranks high in surveys for homeowners claims experience. Read our State Farm review to learn more.

Cons

• Basic Coverage Limits: State Farm homeowners policies may lack the flexibility some customers need.
• Lower Financial Strength: With a B A.M. Best rating, State Farm lags behind some competitors for financial stability.

#3 – Travelers: Best for Comprehensive Coverage

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Pros

• Comprehensive Policies: Travelers homeowners insurance provides extensive options for disaster coverage. Check out our Travelers review for a thorough analysis.
• High Financial Ratings: Homeowners have confidence that Travelers' A++ rating means you can count on claims help.
• Customizable Packages: Flexible policies let homeowners choose the right add-ons for their needs.

Cons

• Higher Rates: Travelers homeowners premiums start at $34 per month, higher than other top options.
• Limited Discounts: Homeowners may find fewer savings opportunities with Travelers.

#4 – Geico: Best for Affordable Rates

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Pros

• Affordable Rates: Prices for Geico homeowners insurance start at $35 per month, making it a great deal without sacrificing coverage.
• Online Convenience: Homeowners can track policies via Geico’s big online portal.
• Discount Opportunities: Geico owners can bundle their home and auto policies to save on either, and there are several types of discounts available. To learn more, read “Things to know about home insurance.”

Cons

• Limited Coverage Options: Geico homeowners insurance may lack the depth of coverage some need.
• Third-Party Policies: Geico often works with partner companies, which may not appeal to all homeowners.

#5 – Progressive: Best for Extensive Discounts

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Pros

• Extensive Discounts: Progressive homeowners insurance offers a variety of savings, including bundling. Get the complete picture in our Progressive review.
• User-Friendly App: Progressive’s app to enable homeowners to report claims and make policy changes is also noteworthy here, thanks to its tech-forward approach
• Flexible Policy Options: Progressive offers a range of coverage options for homeowners.

Cons

• Higher Starting Rates: Rates begin at $36 per month for homeowners, higher than some other competitors.
• Mixed Claim Reviews: Progressive homeowners claims have received inconsistent customer feedback.

#6 – American Family: Best for Customizable Options

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Pros

• Customizable Coverage: Homeowners insurance from American Family offers customized coverage for specific needs.
• Strong Agent Network: Homeowners get assistance from local agents in Oklahoma. Read on for the full picture in our American Family review.
• Discount Options: Various discounts are available for homeowners, including loyalty savings.

Cons

• Higher Monthly Costs: American Family homeowners insurance rates begin at $38 per month.
• Limited Availability: Some homeowners may find American Family’s offerings unavailable in certain areas.

#7 – Nationwide: Best for Usage-Based Savings

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Pros

• Usage-Based Savings: Homeowners insurance from Nationwide offers savings for low-risk homeowners. Discover specific features in our Nationwide review.
• Comprehensive Coverage: Homeowners are protected with coverage that protects them from weather and liability.
• Strong Financial Rating: Nationwide has an A+ rating, so homeowners can count on claims support.

Cons

• Mid-Tier Pricing: Rates for Nationwide homeowners insurance start at $40 per month, not the cheapest.
• Discount Limitations: Nationwide offers fewer discounts compared to other providers.

#8 – Allstate: Best for Driver Programs

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Pros

• Driver Programs Add Value: Allstate homeowners insurance pairs well with auto policies for added savings. Find more information in our Allstate review.
• Customizable Policies: Homeowners can choose options that work best for their individual needs and preferences.
• Robust Online Tools: Allstate provides tools to help homeowners manage policies and estimate premiums.

Cons

• Higher Monthly Costs: Allstate homeowners insurance starts at $44 per month, higher than many others.
• Mixed Customer Reviews: Some homeowners report dissatisfaction with claims handling.

#9 – Farmers: Best for Driver Programs

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Pros

• Advanced Bundling Discounts: Farmers homeowners insurance rewards bundling with auto or life policies.
• Customizable Policies: Farmers allows homeowners to adjust coverage to fit their specific needs.
• Local Agents: Homeowners benefit from Farmers’ network of agents for in-person assistance. Discover all the specifics in our Farmers review.

Cons

• Higher Premiums: Farmers homeowners insurance starts at $45 per month, pricier than many competitors.
• Limited Specialty Coverage: Farmers lacks some niche options for homeowners with unique requirements.

#10 – Liberty Mutal: Best for Flexible Policies

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Pros

• Flexible Policies: Liberty Mutual home insurance offers flexible coverage that may meet a diverse set of needs. See our Liberty Mutual review for further details.
• Strong Financial Stability: Liberty Mutual has an A claim payment rating, which makes it a solid pick for homeowners.
• Disaster Protection: An all-in package covers homeowners for Oklahoma’s many natural disasters.

Cons

• Expensive Rates: Liberty Mutual homeowners insurance starts at $60 per month, among the highest.
• Fewer Discounts: Homeowners looking for significant savings may find Liberty Mutual less competitive.

Oklahoma Home Insurance on a Budget How to Save Money

Need cheap homeowners insurance in Oklahoma? Good news. There are plenty of good options with monthly rates that won't break the bank. To help you decide, we’ve rounded up the top companies along with their minimum and full coverage rates:

Insurance Company	Minimum Coverage	Full Coverage
	$44	$135
	$38	$118
	$45	$136
	$35	$109
	$60	$184
	$40	$122
	$36	$110
	$29	$91
	$34	$105
	$22	$68

Purchasing a home may be daunting, but there are ways to protect your castle on a budget and save money on homeowners insurance & prevent claims in USAA, for example, has a nice bottom line beginning at $22 a month for minimal coverage. These companies can cover you every month and make you feel good about it, whatever you need.

Smart Home Insurance Discounts in Oklahoma

It's never been easier for Oklahoma homeowners to save on insurance. Now, many insurance companies offer discounts for things such as safe driving, bundling policies together, and installing smart home devices that enhance safety and security. Here, we’ve rounded up the top providers, the discounts they offer, and the savings they provide.

Insurance Company	Available Discount
	Multi-Policy, Safe Driver, Good Payer, Anti-Lock Brakes, Early Signing
	Multi-Policy, Early Bird, Low Mileage, Defensive Driving, Steer Into Savings
	Multi-Policy, Signal Program, Good Student, Safe Driver, Bundling
	Multi-Policy, Defensive Driving, Good Student, Anti-Theft, New Vehicle
	Multi-Policy, Homeowner, Anti-Theft, Violation-Free, Early Shopper
	Multi-Policy, SmartRide, Good Student, Accident-Free, Anti-Theft
	Multi-Policy, Safe Driver, Continuous Insurance, Homeowner, Online Quote
	Multi-Policy, Accident-Free, Safe Vehicle, Good Student, Steer Clear, Drive Safe & Save
	Multi-Policy, Safe Driver, Good Payer, Continuous Insurance, Home Ownership
	Multi-Policy, Safe Driver, Good Student, Vehicle Storage, Loyalty

This, along with a variety of convenient discounts for staying claim-free, setting up a safer home with technology like home security systems, and bundling your insurance under one provider, gives Oklahoma residents give access to quality and affordable price.

Discount Name	Grade	Savings	Participating Providers
Multi-Policy	A	25%	State Farm, Allstate, Farmers
Home Safety Features	A-	20%	Liberty Mutual, Nationwide, Travelers
New Home Discount	B+	15%	Progressive, Geico, USAA
Claim-Free	B	10%	Allstate, Farmers, Nationwide
Pay-in-Full	B-	7%	State Farm, Liberty Mutual, Geico
Automatic Payments	C+	5%	Travelers, Progressive, USAA

After all, smart home devices focus on a new level of value and security for homeowners and it’s great to see insurers adopting new technologies. So why not take those moments and save yourself a little money on protecting your home? Get to know these providers better and start making good decisions for your coverage today.

Navigating Insurance Costs and Coverage in Oklahoma

Every insurance claim has its own claims process, and each home insurance claim involves a set amount of home insurance coverage, both of which are critical information for the Oklahoma homeowner aware of the need to protect their home while keeping costs under control.

We look at that data and it shows us trends that help inform both policies and rates, everything from claim activity, the types of claims filed to the statistics coming out of individual cities.” Whether you’re hunting for bargains, determining affordability, or musing about possible customization, we’ll help you navigate the decision-making process.

Claim Type	Portion of Claims	Cost per Claim
Wind Damage	35%	$12000
Hail Damage	25%	$10500
Water Damage	20%	$8000
Fire Damage	15%	$20000
Theft	5%	$4000

Tulsa and Oklahoma City are the cities that report the most accidents and claims per year, with Tulsa reporting 3,000 accidents and 2,400 claims. Stillwater, on the other hand, boasts the lowest number of accidents and claims, averaging 700 accidents and 560 claims a year. Norman and Broken Arrow both see a lot of action, with more than 1,000 accidents and 900 claims a year.

City	Accidents per Year	Claims per Year
Broken Arrow	1,200	950
Edmond	900	720
Lawton	1,100	870
Norman	1,500	1,200
Oklahoma City	2,800	2,200
Stillwater	700	560
Tulsa	3,000	2,400

From calculating how costly the highest dollar claims are, to what’s hot regionally, this snapshot architecture makes the case for associating costs with genuine coverage.

Category	Grade	Explanation
Customization	A-	Flexible policies with add-ons available
Availability	B+	Many providers offer coverage in rural and urban areas
Discounts	B	Good options for bundling and safety features
Claims Process	B-	Timely but varies by provider
Affordability	C	High rates due to frequent tornado and hail risks

Homeowners in Oklahoma can ensure they have the plans they need to keep safe without putting a dent on their wallet by focusing on improvements, discounts, and selecting quality providers. Is your insurance claim going to be covered by your insurance policy? Access your potential today, prepare for tomorrow.

Expert Guide to Finding the Best Home Insurance in Oklahoma

Considering that tornadoes and hailstorms frequently hit this area and raise the amount of premium, your home insurance Oklahoma should be decided with utmost care.

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Whether you want the lowest home insurance Oklahoma offers or customized choices like the best homeowners insurance in Oklahoma for seniors, it’s essential to compare Oklahoma home insurance quotes and learn what affects Oklahoma homeowners insurance rates.

But you can use an Oklahoma home insurance calculator or one of several calculators that exist to get a sense of an achievable price and to help uncover savings — you can often find cheap homeowners insurance Oklahoma without sacrificing quality by also bundling policies or installing safety features.

Overall, when shopping for the best homeowners insurance Oklahoma, residents should consider the claims processes, financial strength, and customer satisfaction scores to help them decide on policies that are both reliable and comprehensive. Call it "Homeowners Insurance Claim Check Questions" and make sure the policy satisfies your expectations during a claim.

The average cost of homeowners insurance in Oklahoma is more expensive than in many states, so it’s worth your time to shop around to see how best to affordably protect your home and your family.

Top Home Insurance Options in Oklahoma: USAA, State Farm & Travelers

When it comes to safeguarding your property, USAA, State Farm, and Travelers lead as some of the best insurance companies in Oklahoma. Given the average home insurance cost Oklahoma, exploring a home insurance quote Oklahoma from these top providers can help you find comprehensive and affordable coverage.

As Oklahoma house insurance rates vary, you need to decide the best policy to protect your house and family. Use a practical guide to understanding homeowners insurance and make wise housing decisions.

Enter your ZIP code in our home insurance comparison tool today to ensure you don’t find yourself without protection in your home.