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Homeowners insurance in Oklahoma City costs an average of $4,148 per year for $250K in dwelling coverage. Average rates for home insurance in Oklahoma City are some of the most expensive in the nation, likely due to the prevalence of tornadoes and earthquakes. The average cost of home insurance in the United States is $1,428 per year for $250K in dwelling coverage, according to Bankrate’s 2023 study of quoted annual premiums.

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While the city has high average rates, it may still be possible to find cheap home insurance in Oklahoma City. Bankrate’s team of insurance editors analyzed the largest home insurance companies by market share in the state. We reviewed average premiums, coverage types, discounts, policy features and third-party customer satisfaction and financial strength scores to help you find the best options for your home and your budget.

Best cheap home insurance companies Oklahoma City

USAA, Allstate and AAA may offer some of the best cheap home insurance in Oklahoma City, according to Bankrate’s analysis of average rate data from Quadrant Information Services. To find the best cheap home insurance in Oklahoma City, we looked at the latest J.D. Power customer satisfaction scores, AM Best financial strength scores, coverage options and average premiums.

To help you better compare the options, Bankrate used these factors to assign a Bankrate Score to each company based on a 5.0 scale. The higher the Bankrate Score, the better the company performed across these categories during our analysis. Based on our research, some of the best cheap homeowners insurance companies in Oklahoma City include:

*Not officially ranked by J.D. Power due to eligibility restrictions

**J.D. Power scores for AAA vary based on the policy underwriter

USAA offers some of the cheapest average home insurance premiums in Oklahoma City, but coverage is restricted to active military members, veterans and qualifying family members. USAA is one of our 2023 Bankrate Award winners for best home insurance company overall. The company’s high customer satisfaction scores, diverse discounts and digital tools helped it earn this award. If you qualify for USAA coverage, you might be able to get robust home insurance coverage for far less than the city’s average price.

Learn more: USAA Insurance review

Allstate is our second 2023 Bankrate Award winner for best home insurance company overall. In addition to offering the second-cheapest average rates on our list for Oklahoma City residents, Allstate stands out when it comes to add-on coverage options. The company offers endorsements for water backup coverage, sports equipment coverage, electronic data recovery and more. However, endorsements may not be available in all states. In addition to low rates, policyholders may save even more with potential discounts for installing protective devices, remaining claims-free and purchasing a new home.

Learn more: Allstate Insurance review

AAA may be more well-known for roadside assistance than homeowners insurance, but the company is a strong contender for the best cheap homeowners insurance in Oklahoma City. AAA’s average premium is well below the city’s average, but the company does not advertise coverage types or discounts on its website, likely because these options vary by region. For more information, you could contact your local AAA club directly. Customer satisfaction scores from J.D. Power also vary for AAA based on which company is underwriting the policies in your region.

Learn more: AAA Insurance review

Farmers may be a good option for Oklahoma City homeowners looking to build a robust home insurance policy through endorsements. Policy customization is available through the Farmers Flex Personal Home program, which allows for extended replacement cost coverage and emergency mortgage assistance, among other options. Farmers’ pre-packaged coverage options may appeal to homeowners looking for simplified insurance options, but the carrier’s J.D. Power scores are far below average.

Learn more: Farmers Insurance review

Travelers may not offer the cheapest average rates on our list, but it is still quite cheap when compared to the city’s average premium. Homeowners may be interested in Travelers if they’re looking for robust endorsement options like jewelry coverage, water backup and identity fraud coverage. Additionally, Travelers may appeal to environmentally-conscious homeowners, as the carrier offers coverage for green homes and a discount for LEED-certified homes.

Learn more: Travelers Insurance review

Home insurance coverage options in Oklahoma City

While standard home insurance policies cover several named perils, you may be surprised to find out that standard HO-3 policies do not cover flooding or earthquakes. If you’re looking to build a more robust home insurance policy, you may want to consider additional policies or endorsements. Some common additional coverage options include:

Home insurance discounts in Oklahoma City

With Oklahoma City’s average home insurance rates being so high compared to the national average, local homeowners may want to utilize discounts to bring down their rate. Finding eligible discounts may save you money on your premiums. Some common discounts in Oklahoma City include:

While most insurance companies offer discounts, not all companies offer the same discounts. Talking with an agent is often the best way to identify ways to save.

Frequently asked questions

Three people are dead in Oklahoma after a tornado struck Wednesday night, authorities said.

The McClain County Sheriff's Office confirmed two deaths and said in a Facebook post that crews were responding to reports of injuries and people trapped in their shelters. A third death was confirmed by the office and the governor on Thursday morning.

"Last night, severe weather devastated parts of Shawnee & Cole and three of our fellow Oklahomans lost their lives. As we come together in prayer for all those affected, we’re working diligently to assess the damage and restore our communities," Gov. Kevin Stitt tweeted.

Residents of Cole, a town in McClain County about 25 miles south of Oklahoma City, were told to take shelter immediately Wednesday evening. The county's emergency management agency said at 7:39 p.m. that a dangerous tornado was over the town.

The tornado that hit Cole was rated an EF3 with peak winds between 150 and 155 mph, the National Weather Service in Norman said Thursday after conducting storm damage surveys.

Tornadoes that hit in the area of the city of Shawnee, and at Etowah have been rated as EF2, the weather service said.

Helicopter video from NBC affiliate KFOR of Oklahoma City showed destroyed homes in and around Cole, a town of around 620.

Oklahoma Highway Patrol Trooper Eric Foster told reporters that Cole had significant damage and that trees and power lines were down.

He said the rural nature of the community and the state, as well as the damage, means searchers needed time to check on damaged properties and storm shelters.

“We’re having to park and walk miles to get into a lot of these places,” Foster said Wednesday night.

The McClain County Sheriff's Office said Thursday evening that everyone ie believed accounted for following the storm.

Over 50 homes were affected, the sheriff's office said.

In Norman, which is east of Cole, the University of Oklahoma told everyone on its campus to seek immediate shelter and to stay away from windows as the dangerous storms approached. The threat of tornadoes later passed.

In Pottawatomie County, the weather service warned of a storm with a tornado approaching Shawnee, a city of around 30,000. It wasn't immediately clear whether there were any injuries.

Stitt, the governor, declared a state of emergency for five counties after touring the damage in Cole and Shawnee. The declaration suspends some regulations to help get aid to affected areas, his office said.

Pottawatomie County Emergency Management said in Facebook posts that roads and streets were blocked by debris or power lines, "too many to list." It urged people to stay home so first responders could do their jobs.

Oklahoma Baptist University in Shawnee said classes were canceled Thursday and Friday, and students were told to stay in their housing units Wednesday night, citing debris and downed power lines.

"No injuries have been reported but damage to campus is significant," the university said in a Facebook post.

The weather service on Wednesday had forecast a chance of severe thunderstorms, as well as tornadoes, in parts of the Great Plains because of a cold front.

OKLAHOMA CITY – A $1 million economic development incentive to help Canoo Manufacturing open an electric vehicle plant and train employees will benefit not just the company but Oklahoma City too, Chris Moore, a vice president at Canoo, told the City Council this week.

“The electric vehicle sector is quite dynamic and growing very quickly and this, we think, is an excellent opportunity for Oklahoma City to get involved in this sector and at an early stage when the city can realize much of the growth that will occur here,” Moore said.

“Bringing in an equipment manufacturer, a final assembler of vehicles, also gives the opportunity to attract some of our suppliers to the city as well and further contribute to the increasing diversity of the region’s economy,” he said.

Canoo is seeking the $1 million in job creation incentives in exchange for its commitment to create approximately 550 net new jobs over the next three years.

Moore said the average annual wage is estimated to be $71,000. While the company will hire engineers and managers, the bulk of the new hires will be factory floor workers who will earn at least $25 per hour. Hiring would begin the first half of 2023, he said.

The City Council will vote Dec. 20 on a joint resolution between the city and the Oklahoma City Economic Development Trust on allocation of $1 million in general obligation limited tax proceeds and/or investment proceeds. The trust already approved the resolution.

Canoo also plans to make a capital investment of $347 million in its Oklahoma City plant, an existing manufacturing site at Interstate 40 and Morgan Road, which is well-located near rail, interstates and the airport. The site is being vacated by Terex, which moved its production of hydraulic lifting machines to Mexico.

The 120-plus acres include 630,000 square feet of space that will be adapted for Canoo and outfitted to accommodate a full vehicle assembly line with state-of-the-art robotics, a paint shop and upfitting center, Moore said.

The facility has an existing dedicated training center that can be used for onboarding initial employees. Canoo also will work with CareerTech and community colleges to help train the workforce it needs and other industries as well, he said.

“We think this is an ideal site for us to move forward,” Moore said.

The joint resolution states the total estimated economic impact of this project is more than $3.9 billion over the first 10 years of operation (based on total project impact, including capital investment, wages, state and local taxes). The estimated total impact on local sales tax and property tax revenue is expected to be $5.3 million over the first 10 years of operation and $790,592 annually from the 10th year forward.

Moore said Canoo is in the first phase of manufacturing, working with a contract manufacturer to build the initial run of vehicles. Phase three will be MegaMicro Factory, a 400-acre campus at MidAmerica Industrial Park, a 9,000-acre industrial complex.

“What was missing for us was the middle of this, which is how we bring our manufacturing inhouse and begin to scale that manufacturing,” Moore said. The Oklahoma City vehicle manufacturing site “would give us an ability to produce as many as 40,000 vehicles a year at that facility and meet some of the strong demand that we’re seeing in the marketplace.”

In early 2022, Gov. Kevin Stitt awarded Canoo $15 million from the governor’s “Quick Action Closing Fund” as part of an incentive package valued at $300 million in order to bring manufacturing jobs to Oklahoma.

Earth Day has come around again, a time for people to recognize and appreciate the planet we inhabit. From Earth-friendly educational workshops to pint night, there will be something for everyone on Earth Day in the Oklahoma City metro area.

When is Earth Day?

Earth Day is on April 22.

What is Earth Day?

Earth Day was first celebrated in 1970 to highlight environmental issues on the national stage. U.S. Sen. Gaylord Nelson, who later served as governor of Wisconsin for two terms, spearheaded the idea. Nelson wanted to use the political energy from the anti-war movement to initiate justice for the environment. In September 1969, Nelson announced his plans for a "national teach-in on the environment," and hired former intern Denis Hayes to coordinate the event. Hayes massed 85 staff members across the country to plan educational activities with grassroots organizations. On April 22 the following year, an estimated 20 million people from all political backgrounds celebrated the day with rallies and educational events.

Ways to celebrate, mark the day

Earth Fest at Love's Travel Stops Great Lawn

Celebrate Earth Day in the heart of Oklahoma City. This family friendly event will be held from 9 a.m. to 1 p.m. Saturday at Love's Travel Stops Stage and Great Lawn in Scissortail Park.

Local artisans and vendors will be set up, and educational activities will be available on the stage. The Farmers Market will be in full swing near the "Taking Flight: Light as a Feather" sculpture.

Where: 415 S Robinson Ave., Oklahoma City, OK 73109

Earth Day Celebration Drop-in at Myriad Botanical Gardens

The Myriad Botanical Gardens will host a family friendly event from 2 to 3 p.m. Saturday in the children's garden. Perfect for ages 4-16 but suitable for anyone, activities will include making wildflower seed-balls and learning about responsible recycling.

Where: 301 W Reno Ave., Oklahoma City, OK 73102

Earth Kind Earth Day at Will Rogers Gardens

Beginning at 9 a.m. Saturday, Will Rogers Gardens will celebrate the day through teaching:

Cost: $12 per person, and registration is required.

Where: 3400 NW 36 St., Oklahoma City

Midwest City Earth Day Festival

Enjoy family friendly games and food trucks from 10 a.m. to 2 p.m. Saturday at Joe B. Barnes Regional Park.

Where: 8700 E Reno Ave., Midwest City

Tinker Air Force Base Earth Day celebration

From 10:30 a.m. to 1 p.m. Friday in the Tinker Exchange, community partners will be set up and free giveaways will be available for tree seedlings, LED light bulbs and more.

Where: 3360 N Avenue, Bldg. 685, Tinker Air Force Base

Earth Day celebration at Skydance Brewing Company

A celebration of Earth Day and the installation of new solar panels will start at 1 p.m. Saturday. Skydance Brewing Company will host with barbecue, burgers, a pint night and live music from the Chebon Tiger Band.

Where: 1 NE Seventh St., Oklahoma City

Earth Day celebration at Lake Thunderbird

Garbage bags and a token of appreciation will be provided for an Earth Day cleanup at Lake Thunderbird. Guests are encouraged to dress comfortably, and bring work gloves and garbage collection tools.

Registration will begin at 9:30 a.m. Saturday. The event will last until 1 p.m.

Where: 13101 Alameda Drive, Norman

Paper Shredding & Recycling Day at SSM Health St. Anthony Hospital Midwest

If you have old papers you want to get rid of, dispose of them consciously to the environmental services team members who will recycle them from 6:30 to 9:30 a.m. Friday at SSM Health St. Anthony Hospital. The team will be located at the northwest corner closest to Parklawn Drive and National Avenue. Anyone is welcome, and coffee, juice and donuts will be available.

Where: 2825 Parklawn Drive, Midwest City

Annual Earth Day Milkweed Sale

Enjoy milkweed, native and non-native plants and grasses all locally grown and ready to take home from 8 a.m. to 5 p.m. Saturday in the Paseo Arts District. These sustainable plants help Monarch butterflies.

Tennis, Drugs, and Jesus Christ: The Eric Miller True Story, a new book by Eric Miller, has been released by Dorrance Publishing Co., Inc.

This book is about a hard-partying Oklahoma, USA tennis family that went from Atheism to Christianity. This book is about how much I love Rock 'n' Roll music and comedy. I did my best trying to get all the dates and facts correct, but they're not perfect. Here is a sociological fact: if one parent is chemically dependent, their children have a fifty percent chance of being chemically dependent. If both parents are chemically dependent, their children have a 75 percent chance of being chemically dependent. The Miller family nailed it. Both parents were chemically dependent. Three out of four of their children were chemically dependent. The Miller family's life is part tragedy and part comedy. Please laugh as hard as you want. Drug abuse is a nightmare. I am not glamorizing drug use in my book. Warning! I have severe ADHD. I've been in special Ed classes my whole life. I've never passed an English class in my life. I'm not a writer, I did my best. I hope you enjoy the Miller family true story.

About the Author Hello warriors. My name is Eric Miller. I'm a white liberal, tennis loving, recovering drug addict, trying to let God run my life, good dude. I was born in Iowa City, Iowa in 1966. I grew up in Norman Oklahoma the land of OU sooner football. I was an average NAIA college tennis player for East Central University in Ada Oklahoma. I taught tennis professionally in Oklahoma City, Oklahoma for a long time. I now live in Estes Park Colorado, at close to 8,000 feet. I live with my best friend, my 75-pound, female, deaf dog named Prudence. I've never had children or been married. I'm 100 percent for civil rights for all. Not just for white American males.

Tennis, Drugs, and Jesus Christ: The Eric Miller True Story is a 140-page paperback with a retail price of $15.00 (eBook $10.00). The ISBN is 979-8-8852-7114-1. It was published by Dorrance Publishing Co., Inc of Pittsburgh, Pennsylvania. For members of the press, to request a review copy, visit our virtual pressroom at https://dorrancepressroom.com/tennis-drugs-and-jesus-christ-the-eric-miller-true-story/ or to buy the book visit our online bookstore at https://bookstore.dorrancepublishing.com/tennis-drugs-and-jesus-christ-the-eric-miller-true-story/