Updated: January 26, 2026
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Our 2026 research found the top three home insurance companies in Oklahoma are Chubb, USAA and State Farm.
State Farm offers the highest-quality homeowners insurance in Oklahoma with the lowest average annual premium at $3,220.
Tornado risks drive up insurance costs for residents since Oklahoma experiences frequent tornadoes due to its Tornado Alley location. Find quality coverage from an affordable insurer.
Chubb is the best home insurance company for most Oklahoma homeowners with affordable rates and strong customer experience. USAA earned the highest MoneyGeek score from our team but ranks No. 2 because coverage is available only to military members, veterans and their families. The top five companies earned high ratings in our affordability, customer experience and coverage categories:
| Chubb | 4.64 | 6 | 2 | 2 |
| USAA | 4.95 | 3 | 1 | 1 |
| State Farm | 4.59 | 1 | 3 | 3 |
| Allstate | 4.34 | 2 | 6 | 5 |
| Farmers | 4.26 | 7 | 4 | 6 |
*Our ratings consider different combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your profile. The tables below follow the same methodology.
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J.D. Power Customer Satisfaction Score
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J.D. Power Customer Satisfaction Score
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J.D. Power Customer Satisfaction Score
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J.D. Power Customer Satisfaction Score
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Oklahoma's diverse landscape creates varying insurance challenges, from Tulsa's urban density to rural communities facing severe weather exposure. We identified the top-scoring insurer for major cities across the state based on affordability, customer satisfaction and coverage options.
| Broken Arrow | USAA | $4,190 |
| Choctaw | USAA | $4,980 |
| Newalla | USAA | $5,012 |
| Noble | USAA | $4,862 |
| Oklahoma City | USAA | $4,904 |
| Ratliff City | USAA | $5,063 |
| Stillwater | USAA | $4,533 |
| Tulsa | USAA | $4,160 |
| Turpin | USAA | $5,409 |
Coverage levels create differences for Oklahoma home insurance costs, with $500,000 in dwelling protection costing $14,077 versus $3,689 for $100,000 coverage. Poor credit drives premiums even higher to $14,217 annually, while excellent credit brings costs down to around $3,048, making credit score the biggest differentiator. The state averages $7,683 per year, though rates vary based on your home and personal profile.
Overall average | $7,683 | $340 |
$100,000 dwelling coverage | $3,689 | $195 |
$500,000 dwelling coverage | $14,077 | $585 |
Older homes (1980) | $3,789 | $316 |
Newer homes (2020) | $2,829 | $236 |
Homeowner age 20–40 | $4,022 | $335 |
Seniors 61+ | $4,053 | $338 |
Recent Claim | $4,723 | $394 |
Excellent Credit | $3,048 | $258 |
Poor Credit | $14,217 | $673 |
Shopping for home insurance in Oklahoma means finding affordable coverage that protects against the state's severe weather threats. Compare quotes from multiple insurers to secure protection against tornadoes, hail damage and other local hazards.
Assess your home's replacement cost and Oklahoma's natural disaster risks. Wildfire exposure threatens foothills communities, hail damage strikes along the Front Range and flash floods occur near mountain drainage areas. Your coverage should reflect your home's value, personal property and liability needs while accounting for Oklahoma's high rebuilding costs.
Oklahoma home insurance averages $7,683 annually. Bundling home and auto policies saves 15% to 25% on premiums. Get discounts for monitored security systems, fire-resistant roofing and hail-resistant shingles. Impact-resistant windows and roof updates qualify you for more savings while reducing hail damage.
Review customer satisfaction scores and claims handling reputation before choosing an insurer. Look for Oklahoma-specific coverage like wildfire coverage, water back-up from snowmelt and service line coverage for freeze-thaw damage. Extended replacement cost coverage pays full rebuilding costs even when they exceed policy limits due to material shortages or labor increases.
Inland flood coverage covers flash flood damage without a separate National Flood Insurance Program policy. Equipment breakdown coverage covers HVAC system failures in Oklahoma's temperature extremes. Mountain vacation homes and short-term rental properties need specialized policies for their unique risks.
Compare quotes from at least three insurers; rates vary between providers. Shop through direct insurers, independent agents and online platforms. Request quotes with identical coverage limits and deductibles for accurate comparisons. Ask about discounts for fire-resistant materials and protective devices common in Oklahoma homes.
Update your dwelling coverage each year to match rising construction costs and your home's current replacement value. Oklahoma's tornado and hail risks mean you should review your policy annually and shop for new quotes. This becomes even more important after home improvements that increase your property's worth.
Chubb, USAA and State Farm lead Oklahoma's home insurance market with strong financial ratings and comprehensive coverage options. Get quotes from these insurers and prioritize protection against hail damage and wildfires to cover rebuilding costs and liability expenses.
Common questions Oklahoma homeowners ask when shopping for home insurance:
Standard home insurance policies exclude tornado damage, particularly in high-risk regions like Oklahoma where severe windstorms are common. Homeowners need separate windstorm insurance or specific tornado coverage endorsements to protect against this type of weather-related damage. Review your policy carefully and consider additional coverage if you live in tornado-prone areas.
Your dwelling coverage needs to match the full cost to rebuild your home, not its market value. Inventory your belongings to determine adequate personal property coverage amounts. Get a professional appraisal or use a construction cost calculator to estimate accurate rebuild costs for proper protection.
Oklahoma's frequent tornadoes increase home insurance premiums due to the elevated risk of catastrophic property damage and higher claim frequencies. Central and eastern regions face the greatest exposure to severe tornado activity, resulting in steeper rates for homeowners. Installing impact-resistant roofing materials, reinforced windows, and safe rooms can qualify you for valuable discounts while providing crucial protection during severe weather events.
Replacement cost coverage pays to replace your damaged belongings with new items at current market prices, while actual cash value coverage only reimburses you for what your items were worth after depreciation. For instance, if your five-year-old television gets damaged, replacement cost would buy you a brand new TV, but actual cash value would only pay what your old television was worth at the time of loss.
Our analysis identifies which insurers balance affordability with coverage for Oklahoma-specific risks. We evaluated home insurance providers across three weighted factors that determine value for Oklahoma homeowners.
Affordability (55%): We analyzed rates for different home types, credit tiers and risk levels. Providers earned higher scores for competitive pricing and extensive discounts. Cost carries the heaviest weight because premiums determine whether you can maintain coverage long-term. Oklahoma's high rebuilding costs and frequent hail claims make affordable coverage important.
Customer satisfaction (30%): We reviewed ratings from Trustpilot, app stores and J.D. Power surveys covering the buying process, policy management and claims handling. These ratings show which companies deliver consistent service throughout your relationship, not just competitive quotes. Claims experience matters most when wildfire or hail damage strikes and you need prompt payment and clear communication.
Coverage options (15%): We assessed add-on availability, unique features and state access. More flexibility lets you tailor policies to Oklahoma needs like wildfire coverage, water backup from snowmelt and equipment breakdown coverage for HVAC systems in temperature extremes. Standard policies don't always address Oklahoma's specific hazards without customization.
Our Sample Profile
Costs reflect a homeowner aged 41 to 60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible. This profile represents typical Oklahoma homeowners balancing comprehensive coverage with manageable premiums.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
