Oklahoma City Home Insurance Costs (2026)

How much is homeowners insurance in Oklahoma City?

Homeowners insurance in Oklahoma City averages $595 a month for the house we priced, with rates as of Sept. 30, 2026. The 4 major insurers we compared are Allstate, USAA (military families only), State Farm and Farmers, and each one priced our sample home in all 34 Oklahoma City ZIP codes in our data, in Oklahoma County and Cleveland County. For this house, Oklahoma City is the most expensive of the 3 Oklahoma cities in our data with at least 5 ZIP codes, and above the Oklahoma average of $474 a month.

Our figures are for a $300,000 dwelling, which works out to about $23.82 a year for each $1,000 of dwelling coverage in Oklahoma City; insuring a larger or costlier house for more usually costs more, though not always in step with the limit.

For the same insurers and ZIP codes, the Oklahoma City average barely moved since Nov. 2025: it fell 0.4%, from $7,175 a year ($598 a month) on Nov. 30, 2025, to $7,145 ($595) on Sept. 30, 2026, as USAA’s (military families only) rose 15.8%, Allstate’s rose 10.6% and Farmers’ fell 6.8%.

Homeowners insurance averages by insurer in Oklahoma City for our sample home (rates as of Sept. 30, 2026)

Allstate averaged $278 a month ($3,335 a year), USAA (military families only) $388 ($4,654), State Farm $496 ($5,948) and Farmers $1,220 ($14,644) for our sample home.

Same sample home: each insurer’s average yearly price in the same Oklahoma City ZIP codes, Nov. 30, 2025 and Sept. 30, 2026

All 4 insurers in the table priced the same 34 Oklahoma City ZIP codes on both dates.

By ZIP code: each insurer’s yearly price for the same house changed with the Oklahoma City address:

• Allstate ran from $3,146 a year in 2 ZIP codes, including 73107 to $3,903 in 73134.
• USAA (military families only) ran from $4,554 a year in 73160 to $4,807 in 73132.
• State Farm ran from $5,839 a year in 73160 to $6,108 in 73142.
• Farmers ran from $13,038 a year in 73165 to $16,211 in 73110.

Why one insurer stands out: Farmers’ average for our sample home, $1,220 a month, is about 3.2 times the other 3 insurers’ average. It stays in our figures. Without it, the Oklahoma City average would be $387 a month ($4,646 a year), 18.4% below the Oklahoma average.

Same sample home in Oklahoma City with all 4 insurers and without Farmers (rates as of Sept. 30, 2026)

The Oklahoma figure includes every insurer we priced in the state.

Who has the cheapest homeowners insurance in Oklahoma City?

Prices for the same home vary so much by insurer and ZIP code that the lowest one for our sample home may not be lowest for you, so compare a few quotes. The home table above lists every insurer’s average for the same home.

What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Oklahoma City, ZIP code averages for this house ran from $559 to $635 a month, while insurers’ Oklahoma City averages ran from $278 to $1,220.

Same house, different city: how does Oklahoma City compare?

The same sample home costs $595 a month in Oklahoma City, $395 in Tulsa and $568 in Edmond, the 3 Oklahoma cities in our data with at least 5 ZIP codes.

Same sample home: average home insurance prices in Oklahoma City, other Oklahoma cities and the state (rates as of Sept. 30, 2026)

Each city covers the ZIP codes in our rate data with that city as their main mailing address; every row prices the same house.

Oklahoma City has the highest average of these Oklahoma cities; Tulsa, the lowest, averages $395 a month, 33.7% less for the same house.

Compared with Tulsa, the Oklahoma city with the most ZIP codes in our data after Oklahoma City (22), the same house costs 50.8% more to insure in Oklahoma City.

Across the U.S., 240 of the other 291 cities in our data with at least 5 ZIP codes priced have a lower average for this house than Oklahoma City, and 51 a higher one.

For the statewide picture, see home insurance costs in Oklahoma.

Compare all states: home insurance costs for the same house in all 50 states and D.C.

How much is homeowners insurance on a $300,000 house in Oklahoma City?

For a house with $300,000 of rebuilding coverage and a $1,000 deductible, homeowners insurance in Oklahoma City averages $595 a month ($7,145 a year) across the 4 insurers we compared in 34 ZIP codes (rates as of Sept. 30, 2026). That’s 25.5% above the $474-a-month Oklahoma average for the same house. Insurers’ averages for that same house ran from $278 to $1,220 a month. Without Farmers, which priced far above the rest, the average would be $387 a month.

Why your Oklahoma City quote may differ from these prices

Use our one-house figures as a starting point when you compare homeowners insurance quotes for yours.

Your roof: Our sample house has a composition roof, and we priced it without a roof age. Insurers often charge more for older roofs, so ask how your roof’s age and material change your quote.

Your claims and credit: a recent claim, or weaker credit where an insurer uses it, can push an Oklahoma City quote above the $595 a month our claim-free, good-credit owner averages.

Your deductibles: our house has one $1,000 deductible for covered losses other than a hurricane. If your policy has a separate percentage deductible for wind and hail, your premium and your out-of-pocket cost after a storm will both differ from ours.

Why is homeowners insurance so expensive in Oklahoma City?

For our sample house, Oklahoma City is the most expensive of the 3 Oklahoma cities in our data with at least 5 ZIP codes, and 130.4% above the average of the 50 states and D.C. Our figures don’t separate causes; these official records show what Oklahoma City homes face.

One reason in our data: Farmers’ average for our sample home, $1,220 a month, is about 3.2 times the other insurers’ average; without it, Oklahoma City would average $387 a month.

An EF5 tornado on May 20, 2013 stayed on the ground about 40 minutes along a 14-mile path through Newcastle, south Oklahoma City and Moore, was up to about 1.1 miles wide, and killed 24 people, according to the National Weather Service.

Thirteen people died in flash flooding in Oklahoma County on the evening of May 31, 2013, and at least 23 high-water rescues were carried out in the Oklahoma City area, according to the National Weather Service.

How to find cheaper home insurance in Oklahoma City

For our sample home, insurers’ Oklahoma City averages ran from $3,335 to $14,644 a year. These are the levers you control; how much each one moves a quote depends on the insurer and the house, and none of them comes with a promised price.

Compare at least three insurers: even one insurer’s price moves a lot by address: Farmers’ for our sample home ran from $13,038 to $16,211 a year depending on the Oklahoma City ZIP code.

Price two deductibles: ask each insurer for the premium at your current deductible and one step higher, and keep any percentage wind and hail deductible in dollars in mind (2% of $300,000 is $6,000, about 10 months of Oklahoma City’s $595-a-month average premium).

Ask about a tougher roof and safety devices: impact-resistant roofing, smoke detectors, burglar alarms and dead-bolt locks are common discounts to ask about.

Bundle with care: some insurers take roughly 5% to 15% off when you buy home and car insurance together, the Insurance Information Institute says; compare both ways before you decide.

Keep the coverage you need: insuring at least 80% of the rebuilding cost protects you on partial losses, so a lower price that comes from a lower limit can cost you after a large claim.

Guard a clean record: our sample owner has no claims in 10 years, and the $595-a-month Oklahoma City average assumes that clean record; a recent claim can raise a quote.

How much is renters insurance in Oklahoma City?

Renters insurance for our sample renter averages $27 a month ($323 a year) in Oklahoma City. For our sample renter, prices among the 4 insurers we compared ranged from $19 to $42 a month, a $23-a-month gap for the same coverage.

Renters insurance averages by insurer in Oklahoma City for our sample renter (rates as of Sept. 30, 2026)

State Farm averaged $19 a month ($226 a year), USAA (military families only) $20 ($234), Safeco $28 ($333) and Farmers $42 ($500) for our sample renter.

We don’t name a lowest renters insurer in Oklahoma City (the methodology explains when we do); the renters table above lists every insurer’s average for the same renter, from $19 to $42 a month.

For renters insurance, Oklahoma City is the most expensive of the 3 Oklahoma cities in our data with at least 5 ZIP codes: its average is 5.6% above the Oklahoma renters average of $306 a year ($26 a month) and 26.2% above the average of the 50 states and D.C., $256 a year ($21 a month). Among the 292 U.S. cities in our data with at least 5 ZIP codes priced, 246 have a lower renters average for our sample renter than Oklahoma City, 45 a higher one. Our sample renter’s policy costs about 5% of what our sample home costs to insure in Oklahoma City.

For the same insurers and ZIP codes, the Oklahoma City renters average didn’t change between Nov. 30, 2025 and Sept. 30, 2026: it was $27 a month on both dates.

By ZIP code, the Oklahoma City renters average for our sample renter ran from $26 a month in 73110 to $29 in 73127. Of the 34 ZIP codes, 8 averaged more than the city’s $27 a month for our sample renter, 13 less and 13 the same.

Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 136 sample prices by 4 insurers across 34 Oklahoma City ZIP codes.

• $40K belongings
• $300K liability
• $1,000 deductible

What does renters insurance cover in an Oklahoma City apartment?

Your landlord’s insurance is for the building; a renters policy is for your belongings and your liability. The policy we priced pays up to $40,000 for belongings after a covered fire, storm or burglary and $300,000 if you’re responsible for someone’s injury or property damage. In Oklahoma City, that package averages $27 a month; flood and earthquake damage need separate coverage.

How we got these renters prices: each insurer’s average across the 34 Oklahoma City ZIP codes in our data. Sample prices, not quotes or offers.

You may also want to compare: car + home insurance in Oklahoma City

Many Oklahoma City homeowners insure a car too. Some insurers take roughly 5% to 15% off when you buy home and car insurance from them together (Insurance Information Institute), but the same insurer has to write both policies, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.

See car insurance rates in Oklahoma City · Oklahoma car insurance rates · How bundling home and auto insurance works