Oklahoma City, OK Homeowners Insurance

Learn more about how to find affordable homeowners insurance in Oklahoma City.

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Find affordable homeowners insurance in Oklahoma City

 

One of the most important aspects of homeownership is home insurance. Along with your personal property, homeowners insurance covers your dwelling against many perils, including wind damage, fire, and vandalism. With the relative frequency of such perils — and the high cost of rebuilding or repairing damages to a home — obtaining homeowners insurance is a smart investment.

The price of a home insurance policy factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. The location of your home also contributes to the price of your homeowners insurance policy. In areas prone to perils like windstorms, hail, fire, or even theft, home insurance rates may be higher to account for the extra risk. Find out more information about what your homeowners insurance policy covers.

Finding cheap home insurance in Oklahoma City starts with shopping around and comparing policies. Take a look at the summary below showing average home insurance rates in Oklahoma City to begin your homeowners insurance search with as much info as you can. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.

 
Oklahoma City, Oklahoma, homeowners insurance — table of contents:
  1. Rates by company
  2. Rates by coverage amount
  3. Rates by neighborhood
  4. Rates by deductible amount
  5. Policy bundling discounts

 

Home insurance in Oklahoma City by insurance company

Oklahoma City homeowners insurance rates will vary depending on which insurance company you choose. The most inexpensive home insurance in Oklahoma City comes from Safeco, which offers average annual rates of just $1,949 per year. This is more favorable than the city’s average homeowners premium of $4,584.

Start your search for a home insurance policy by reviewing the cheapest companies in Oklahoma City, Oklahoma, listed below.

 
AFFORDABLE HOME INSURANCE COMPANIES IN OKLAHOMA CITY
CompanyAverage Annual Rate
Safeco$1,949
American National$3,419
Liberty$3,476
Farmers$3,683
USAA$4,045

 

Average home insurance costs in Oklahoma City by coverage levels

The amount of home coverage you select has an impact on your insurance rates. Homeowners in Oklahoma City who carry $200K in dwelling coverage pay an average of $3,226 per year, while those with coverage up to $400K pay around $5,869 per year.

 
HOMEOWNERS INSURANCE RATES IN OKLAHOMA CITY — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$1,943
$200K Dwelling$3,226
$250K Dwelling$3,923
$400K Dwelling$5,869

 

Oklahoma City homeowners insurance rates by ZIP code

Home insurance premiums can vary depending on what part of Oklahoma City in which you live. One of the factors that insurers use when pricing your insurance policy is the number of claims filed in your surrounding area. As such, the neighborhood you live in can drastically influence your home insurance premium.

The cheapest home insurance rates in Oklahoma City are available in 73160. In 73160, the typical home insurance policy costs $4,493 per year — $91 less than the citywide average in Oklahoma City. If you’re looking for the areas with the most affordable homeowners insurance rates in Oklahoma City, have a look at the table below.

 
AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN OKLAHOMA CITY
ZIP CodeAverage Annual Home Insurance Rate
73160$4,493
73135$4,505
73167$4,506

On the other hand, some areas of Oklahoma City face higher homeowners insurance costs, on average. Fire risks, crime rates, and even your how close you are to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. With an annual average premium of $4,695, 73179 comes in as the most expensive ZIP code in Oklahoma City for home insurance.

 
EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN OKLAHOMA CITY
ZIP CodeAverage Annual Home Insurance Rate
73179$4,695
73131$4,693
73141$4,677

 

Homeowners insurance deductibles in Oklahoma City

One of the many decisions available when shopping for a homeowners policy is how high or low to set your deductible. A homeowners deductible is how much your insurance requires you to pay out of pocket toward a claim. The deductible chosen can change how much you pay in insurance premiums.

In general, choosing a low deductible means that your insurance premiums will be higher. Therefore, consider a higher deductible if you aim to pay lower premiums. Bear in mind that your homeowners deductible should not be set at an amount that you would have difficulty paying in the event of a loss.

The table below displays the typical premium costs associated with standard homeowners deductibles.

 
HOMEOWNERS INSURANCE COSTS BY DEDUCTIBLE IN OKLAHOMA CITY
Deductible LevelAverage Annual Home Insurance Rate
$500$4,275
$1,000$3,923
$1,500$3,672
$2,000$3,452
$5,000$3,037

 

Money-saving tip: bundle home and auto insurance in Oklahoma City

You might want to consider bundling your auto and homeowners policies through the same company if you are looking to save on overall insurance costs. Bundling homeowners and auto insurance can save you a substantial sum each month on your auto insurance bill. In fact, bundling policies in Oklahoma City leads to average annual savings of 10%.

 
CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN OKLAHOMA CITY
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
GEICO$728
Erie$749
State Farm$906
Progressive$992
Nationwide$1,260
 

A great way to save on insurance is to bundle your home and auto policies with the same insurance company.

 

Compare home insurance quotes today!

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including BestCompany.com.