The Best Homeowners Insurance in Oklahoma for 2025

Country Financial and Chubb are among the best home insurance companies in Oklahoma, according to our analysis.

We analyzed data from more than 30 insurance companies to help you find the best home insurance in Oklahoma. Below are the insurers that earned 5 stars in our analysis.

Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

The best homeowners insurance companies in Oklahoma

Here's more information about the best home insurance companies in Oklahoma.

Amica stands out for its broad range of coverage options. You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.

The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.

» READ MORE: Amica homeowners insurance review

Chubb generally serves affluent policyholders with high-value homes, offering lofty coverage limits and plenty of perks. For example, the company covers water damage from backed-up sewers and drains, and pays to bring your home up to the latest building codes during reconstruction after a claim. (Many insurers charge more for these types of coverage.)

Oklahoma homeowners can also sign up for free Wildfire Defense Services. These services include personalized recommendations for protecting your home and deployment of firefighters to your house if a wildfire is approaching.

» READ MORE: Chubb homeowners insurance review

Country Financial has multiple levels of homeowners coverage to help you find a package that works for your needs. You also have the option to add extra coverage for the structure of your home, in case the cost of rebuilding exceeds your policy’s dwelling coverage limit.

Country Financial sells homeowners insurance through local representatives. The company has drawn far fewer complaints than expected to state regulators.

» READ MORE: Country Financial homeowners insurance review

USAA sells homeowners insurance to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.

For example, USAA automatically covers your personal belongings on a replacement cost basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.

» READ MORE: USAA homeowners insurance review

Other home insurance companies to consider

Looking for more of the best homeowners insurance companies in Oklahoma? These insurers received a NerdWallet star rating of 4.5:

» MORE: The best home insurance companies

How much does homeowners insurance cost in Oklahoma?

The average annual cost of home insurance in Oklahoma is $5,495. That’s 187% more than the national average of $1,915, making it the most expensive state in the U.S. for homeowners insurance, according to NerdWallet’s rate analysis.

In most U.S. states, including Oklahoma, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Oklahoma, those with poor credit pay an average of $12,180 per year for homeowners insurance, according to NerdWallet’s rate analysis. That's more than twice as much as what homeowners with good credit pay.

» MORE: How your credit score affects home insurance rates

Average cost of homeowners insurance in Oklahoma by city

How much you pay for home insurance in Oklahoma will depend on your ZIP code. For example, the average cost of homeowners insurance in Oklahoma City is $6,220 a year, while homeowners in Tulsa pay an average of $5,105 per year.

» MORE: What’s the average cost of homeowners insurance?

The cheapest home insurance in Oklahoma

Here are the insurers we found with average annual rates below the Oklahoma average of $5,495.

» MORE: The cheapest homeowners insurance

Common risks for Oklahoma homeowners

As an Oklahoma homeowner, you’ll likely face several risks. Here’s what you need to know about insuring your home against them.

Tornadoes

A standard homeowners policy covers damage from wind, including tornadoes. However, review your coverage details carefully. Some policies may have a separate deductible for wind damage. (A deductible is the part of an insurance claim you’re responsible for paying.)

For example, your policy may have a $1,000 deductible for most claims and a 1% deductible for wind claims. So if your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $2,500 of wind damage yourself. Choosing a higher deductible for wind damage can reduce your overall premium, but you’ll want to be sure you can afford it if disaster strikes.

Learn more about home insurance and tornadoes.

Flooding

Even if you don’t live in a flood plain, heavy rains can cause flash flooding. Since most standard homeowners insurance policies don’t cover flood damage, you may want to buy separate flood insurance. Keep in mind that while you can purchase flood coverage anytime, there is typically a 30-day waiting period before the policy takes effect.

» MORE: Why you might want flood insurance — even if it’s not required

Hail

While your homeowners insurance will likely cover hail damage, there may be restrictions. For example, the policy may pay only for damage that affects how your home functions, not for cosmetic damage. You may also have a higher deductible for hail claims. Check your policy or contact your agent for exact coverage details.

Earthquakes

Earthquakes can significantly damage homes and property, including foundations, walls, roofs and HVAC systems. A standard homeowners policy typically won’t cover earthquake damage. As a result, at-risk Oklahoma homeowners may want to consider earthquake insurance.

» MORE: Home insurance calculator: Estimate your rate

Oklahoma insurance department

The Oklahoma Insurance Department oversees the state’s insurance industry and provides consumer resources such as homeowners insurance rate comparisons and shopping tips. The Oklahoma Insurance Department is also where you can file a complaint against your insurance company online, by mail or by fax. If you have insurance questions, you can call the agency’s Consumer Assistance Division at 800-522-0071 or 405-521-2828.