The best home insurance companies in Oklahoma are Chubb, State Farm, Allstate, Farmers, and Shelter. Chubb ranks first for coverage options and customer service, while State Farm leads in affordability. Compare all our top picks below.
Best Homeowners Insurance in Oklahoma
Updated: November 13, 2025
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Key Takeaways
Our 2025 study found Oklahoma's top three home insurance companies: Chubb, State Farm, and Allstate.
Chubb offers the best overall home insurance for most Oklahoma homeowners. For those with newer homes, State Farm is the better option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Oklahoma?
| Chubb | 92 | 4 | 1 | 1 |
| State Farm | 91 | 1 | 2 | 2 |
| Allstate | 79 | 2 | 4 | 2 |
| Farmers | 77 | 5 | 3 | 5 |
| Shelter | 69 | 3 | 5 | 2 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Though our rankings reflect the best overall providers, what’s best for you may differ based on your home type or personal needs. Below, we highlight the top insurers across major categories.
| Chubb | 92 | Overall |
| Chubb | 93 | Older Homes |
| Chubb | 92 | Newer Homes |
| Chubb | 92 | High-Fire-Risk Areas |
| Chubb | 94 | Bad Credit |
| State Farm | 91 | With Claims History |
Best Oklahoma Home Insurance by City
Home insurance rankings in Oklahoma cities differ a lot depending on price, local service, and the add-on coverages each insurer offers.
Chubb takes the top spot in Broken Arrow and Norman, while State Farm ranks highest in Oklahoma City. We outlined the best options for every city to make your search easier.
| Broken Arrow | Chubb | 93 |
| Norman | Chubb | 93 |
| Oklahoma City | State Farm | 91 |
| Tulsa | Chubb | 92 |
Best Oklahoma Home Insurance Reviews
Take a closer look at the top home insurance providers in Oklahoma, including those known for affordable rates, good customer service and solid coverage options.
State Farm: Best for Affordability
State Farm is the most affordable home insurance provider for most in Oklahoma. It also ranks above the national average in customer service, placing seventh in customer satisfaction according to J.D. Power. Also, State Farm offers unique add-ons like underground utility coverage and extended replacement cost reimbursement to cover potential increases in repair costs.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
1000
Good
Claim free for 5+ years
| Newer Homes | $232 | $2,781 |
| Newer Homes in High-Fire-Risk Areas | $232 | $2,781 |
| Older Homes in High-Fire-Risk Areas | $386 | $4,631 |
| Older Homes | $386 | $4,631 |
Chubb: Best for Customer Service and Coverage
Chubb is one of the least affordable providers for home insurance in Oklahoma; however, it earned the top spot for both coverage and customer service in our study. In recent studies, J.D. Power scores are unmatched, ranking first for claims and customer satisfaction. Also, Chubb offers unique add-ons like employment practices liability coverage for household staff and valuable articles insurance with agreed value and breakage protection for collectibles.
Data filtered by:
$100K Dwelling / $50K Personal Property / $100K Liability
1000
Below Fair
1 claim in past 5 years
| Newer Homes | $260 | $3,123 |
| Newer Homes in High-Fire-Risk Areas | $260 | $3,123 |
| Older Homes | $363 | $4,350 |
| Older Homes in High-Fire-Risk Areas | $363 | $4,350 |
How to Find the Best Home Insurance in Oklahoma
We put together a simple guide to help you choose the right coverage.
- 1Set Your Coverage Needs
Before you choose a policy, think about how much coverage you’ll need. Look at your home’s value, what you want to protect and any risks in your area, like flooding or wildfire.
- 2Review Costs and Discounts
Learn how much home insurance costs in Oklahoma so you can make informed choices. Look for discounts, such as bundling or installing home safety devices, since these help lower premiums.
- 3Choose the Right Providers
Once you know your coverage needs and budget, look for the most affordable home insurance options in Oklahoma. Review insurers based on customer service, pricing and the coverage add-ons they offer.
- 4Compare Providers in Different Ways
Check quotes from different insurers online, through agents and over the phone to find the best deal.
- 5Check Policy Details Before You Buy
Review the policy’s limits, deductibles and features. Make sure everything matches what you need before you buy.
Best Homeowners Insurance in Oklahoma: Bottom Line
Chubb, State Farm and Allstate are the top-rated homeowners insurance providers in Oklahoma. These are solid choices, but comparing coverage options will help you see which one works best for you.
Best Home Insurance in Oklahoma: FAQ
We’ve answered some common questions to help you feel more confident choosing a home insurance provider in Oklahoma.
Which company is best for home insurance in Oklahoma?
Chubb is the best homeowners insurance provider in Oklahoma due to its affordability, customer service, and strong add-on coverage options. State Farm, Allstate, Farmers, and Shelter are also highly rated alternatives in the state.
Who has the most affordable homeowners insurance in Oklahoma?
The most affordable homeowners insurance in Oklahoma varies based on individual circumstances and coverage choices. However, the average annual cost in Oklahoma is $4,547.
How do you get the best homeowners insurance in Oklahoma?
To find the best home insurance in Oklahoma, determine your coverage needs, study costs and providers, and compare quotes from several insurers.
How We Decided the Best Home Insurance in Oklahoma: Our Methodology
We rated the best homeowners insurance providers in Oklahoma using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.