Below are our picks for the best home and auto insurance bundling companies in Oklahoma:
Best Home and Auto Insurance in Oklahoma
Updated: April 7, 2025
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Key Takeaways
USAA, State Farm and Allstate are the top home and auto insurance companies in Oklahoma.
State Farm offers the best home and car insurance discount, with savings of 15% on auto and 35% on home insurance.
Oklahoma's average annual insurance cost is $5,117 — 65% higher than the national average of $3,094.
Who Offers the Best Home and Auto Insurance Bundles in Oklahoma?
| USAA | 96 | $4,876 | $368 |
| State Farm | 83 | $4,126 | $1,846 |
| Allstate | 71 | $4,751 | $564 |
| Farmers | 64 | $6,714 | $1,529 |
State Farm: Best Cheap Home and Auto Insurance in Oklahoma
State Farm is the cheapest home and auto insurance provider in Oklahoma, saving customers $1,846 for bundling their policies. It offers additional discounts, like the Drive Safe and Save program, which can save policyholders up to 30% on car insurance. J.D. Power ranks State Farm fifth for auto and seventh for home insurance in customer satisfaction.
| Auto | $1,026 | $177 | 15% |
| Home | $3,101 | $1,670 | 35% |
USAA: Best Home and Auto Insurance in Oklahoma for Military
USAA is a top choice for home and auto insurance for military families. It offers the third-most affordable rates, plus additional discounts. Customers can use its SafePilot telematics program to save up to 30% on car insurance. J.D. Power ranks USAA highest in home and car insurance customer satisfaction.
| Auto | $802 | $27 | 3% |
| Home | $4,074 | $341 | 8% |
Allstate: Best Home and Auto Insurance Coverage Options in Oklahoma
Allstate offers affordable home and auto insurance in Oklahoma but stands out with unique coverage options. These include accident forgiveness, safe driving bonuses and new car replacement for auto insurance. Its home insurance features identity theft restoration, green improvement reimbursement and musical instrument coverage.
| Auto | $1,389 | $124 | 8% |
| Home | $3,362 | $440 | 12% |
Oklahoma Home and Auto Insurance Cost
Oklahoma's average monthly home and auto insurance cost is $426, much higher than the national average of $258. Depending on the provider, monthly rates range from $344 to $560.
| Oklahoma home and auto insurance bundle | $5,117 | $-2,023 | 65% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Oklahoma Home and Auto Insurance Quotes Without Bundling
While our research shows that not bundling home and auto insurance in Oklahoma is more expensive, your quotes may differ. Below are the average costs of all coverage combinations from our top providers, without bundling, from cheapest to most expensive.
| USAA | Allstate | $4,631 |
| State Farm | Allstate | $5,005 |
| Farmers | Allstate | $5,456 |
| USAA | State Farm | $5,599 |
| State Farm | USAA | $5,618 |
| Allstate | USAA | $5,928 |
| Farmers | USAA | $6,069 |
| Allstate | State Farm | $6,283 |
| Farmers | State Farm | $6,424 |
| USAA | Farmers | $7,418 |
| State Farm | Farmers | $7,792 |
| Allstate | Farmers | $8,102 |
Should I Bundle Home and Auto Insurance in Oklahoma?
For Oklahoma drivers, bundling home and auto insurance is usually more affordable than buying each separately. However, assess your coverage needs and financial situation to find your best fit.
Bundling discounts cost less than individual policies
Bundling home and auto insurance can save you money. In Oklahoma, the cheapest annual cost without bundling is $4,631, while bundling lowers it to $4,126.
Bundling makes policy management convenient
Having your insurance policies bundled means you manage everything through a single account, making it easier to track your coverage.
In rare cases, it might be better not to bundle in Oklahoma
Choosing not to bundle might not save you more money, but it can offer more flexibility in coverage options.
Best Auto and Home Insurance in Oklahoma: Bottom Line
State Farm, Allstate and USAA are the top home and auto insurance companies in Oklahoma. Bundling these policies can save you more money than buying each separately. Compare multiple companies and get quotes to find the best deal.
Home and Auto Insurance in Oklahoma: FAQ
Find expert answers to common questions about Oklahoma home and auto insurance here:
Who has the best home and auto insurance in Oklahoma?
State Farm is the top choice for most Oklahoma drivers seeking home and auto insurance. USAA is best for military members, while Allstate offers the best coverage options.
Who has the cheapest home and auto insurance in Oklahoma?
State Farm offers the cheapest home and auto insurance bundle in Oklahoma, with an annual premium of $4,126. Customers save an average of $1,846 annually compared to the state average.
How much does home and auto insurance in Oklahoma cost on average?
In Oklahoma, home and auto insurance bundles cost about $5,117 yearly, 65% higher than the national average. State Farm offers the cheapest option at $4,126 per year, while Farmers is the most expensive at $6,714.
Is bundling home and auto insurance cheaper in Oklahoma?
Bundling home and auto insurance is cheaper in Oklahoma. While the most affordable option is attractive, ensure you get sufficient financial protection.
Best Auto and Home Insurance Bundle in Oklahoma: Our Methodology
Bundle Scoring System
MoneyGeek used data from the Oklahoma Insurance Department and Quadrant Information Services to calculate home and vehicle insurance rates. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual scores for home and auto insurance. We also looked at each insurer's bundle discounts to measure savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Oklahoma
MoneyGeek's typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Oklahoma
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.