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: June 23, 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 provider rankings in cities across Oklahoma vary widely based on affordability, local customer service, and available add-on coverage options. For example, Chubb ranks best in Broken Arrow and Norman, while State Farm tops the list in Oklahoma City. To help you choose the best provider for your area, we've outlined the top options for each city.
| 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 leading home insurance providers in Oklahoma, showing those excelling in affordability, customer service, and comprehensive 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:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
Select
Credit Tier:Good
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Claims History: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:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
Claims History: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've created a simple guide to help you find the perfect coverage for your needs.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Consider your dwelling's value, the personal belongings it contains and local risk factors, such as flooding or wildfire potential.
- 2
Research costs and discounts
Understand how much home insurance costs in Oklahoma to make informed decisions. Seek out potential discounts, like bundling or home safety devices, which can significantly reduce premiums and enhance affordability.
- 3
Find the best providers for you
After exploring your coverage and cost options, find the best, most affordable cheapest home insurance in Oklahoma. Evaluate potential insurers based on customer service excellence, personalized pricing, and available coverage endorsements.
- 4
Compare multiple providers through all means
Compare insurance providers and obtain quotes online, through agents, and via phone to capture the most competitive offers.
- 5
Understand policy details and purchase
Understand coverage limits, deductibles, and specific policy features. Confirm all terms align with your needs before finalizing your purchase.
Best Homeowners Insurance in Oklahoma: Bottom Line
Chubb, State Farm and Allstate are the best-rated homeowners insurance providers in Oklahoma. While these are strong choices, comparing coverage options can help you find the best fit for your needs.
Best Home Insurance in Oklahoma: FAQ
We’ve gathered answers to common questions to help you choose the right 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.