Best and Cheapest Home and Auto Bundle Companies in Oklahoma (2023)
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.
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The Best Bundled Insurance in Oklahoma
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.
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
Doesn't offer gap insurance
Doesn't offer paperless discount for its car insurance policy
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.
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
Lacks better car replacement coverage
Doesn't offer a discount for insuring multiple cars
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.
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.
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.
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.
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.
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- Car InsuranceAnnual Premium
- State Farm$4,211
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.
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- Auto CompanyHome InsuranceAnnual Premium
- State FarmAllstate$3,926
- State FarmFarmers$4,254
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.
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