The Top Insurance Providers Serving Oklahoma City, OK

As the capital and largest city in Oklahoma, Oklahoma City is home to over 650000 residents. With a strong economy anchored by energy aviation, biotech and telecommunications industries, there is a robust need for insurance coverage among Oklahoma City individuals, families and businesses.

In this comprehensive guide, I’ll highlight the major insurance companies providing policies to customers in the OKC metro area Whether you need auto, home, business or health insurance, these top insurers should be on your radar.

Overview of Major Insurers in Oklahoma City

The Oklahoma City insurance market is served by a mix of national, regional and local insurance carriers. Top insurers include:

• State Farm: The #1 auto and home insurer nationwide, State Farm has a major presence in OKC.

• Farmers Insurance Regional leader Farmers has many agents in the OKC area underwriting policies

• Allstate: This national carrier writes auto, home, life and business insurance locally.

• Shelter Insurance: Regional insurer Shelter is popular for auto and home insurance.

• GEICO: With local agents and direct sales, GEICO grabs share writing OKC auto policies.

• American Fidelity: This OKC-based insurer provides business, life and health plans locally.

• CSAA Insurance: AAA’s property/casualty arm sells auto, home and business insurance under the CSAA brand.

I’ll provide more details on these top Oklahoma City insurers below. But first, let’s look at how insurance rates in OKC compare to other metros.

Average Insurance Costs in Oklahoma City

According to 2021 data from The Zebra, average annual rates for common insurance policies in OKC are:

• Auto Insurance: $1,450 per year ($121 monthly)
• Home Insurance: $2,389 per year ($199 monthly)
• Renters Insurance: $216 per year ($18 monthly)

How does this compare to other cities? Here are averages for two other metro areas in the region:

Tulsa, OK:

• Auto Insurance: $1,467 annually
• Home Insurance: $2,295 annually
• Renters Insurance: $237 annually

Wichita, KS:

• Auto Insurance: $1,379 annually
• Home Insurance: $1,529 annually
• Renters Insurance: $177 annually

So OKC’s average insurance rates are very similar to Tulsa but slightly higher than Wichita. Rates can vary greatly though based on your specific risk profile.

Top Oklahoma City Insurance Companies

Now let’s take a closer look at key details on leading insurers serving Oklahoma City customers:

State Farm

• HQ: Bloomington, IL
• Top OKC offerings: Auto, home, life, business insurance
• AM Best rating: A++

State Farm is the #1 insurer in OKC for auto and home insurance. Local agents provide quotes and policies for all insurance needs.

Farmers Insurance

• HQ: Los Angeles, CA
• Top OKC offerings: Auto, home, business insurance
• AM Best rating: A

Regional leader Farmers Insurance sells policies through local OKC agents. Great for auto insurance and homeowners insurance.

Allstate

• HQ: Northbrook, IL
• Top OKC offerings: Auto, homeowners, renters, life
• AM Best rating: A+

This national carrier offers a wide range of policies. Allstate has many local agents while also selling direct online.

Shelter Insurance

• HQ: Columbia, MO
• Top OKC offerings: Auto, home, life, business
• AM Best rating: A+

Shelter Insurance is one of the most popular regional insurers in OKC for car insurance and homeowners insurance.

GEICO

• HQ: Chevy Chase, MD
• Top OKC offerings: Auto, homeowners, renters
• AM Best rating: A++

Known for clever advertising and low rates, GEICO sells OKC auto insurance directly to consumers as well as via local agents.

American Fidelity

• HQ: Oklahoma City, OK
• Top OKC offerings: Business, life, health, disability
• AM Best rating: A+

Founded in OKC in 1960, American Fidelity provides business, life, and health solutions locally.

CSAA Insurance

• HQ: Walnut Creek, CA
• Top OKC offerings: Auto, home, life
• AM Best rating: A

The property/casualty subsidiary of AAA sells policies under CSAA brand locally. Great for auto insurance.

The Oklahoma Farm Bureau

• HQ: Oklahoma City, OK
• Top OKC offerings: Auto, home, life, business
• AM Best rating: Not rated

This insurer focuses on policies for OK residents. Popular for affordable auto and home insurance locally.

Tips for Finding the Best Insurance in OKC

When shopping for coverage in Oklahoma City, I recommend:

• Comparing quotes from several insurers to find the best rate. Rates can vary widely between insurers.
• Considering highly-rated insurers like State Farm and Allstate for reliability.
• Checking with local agents and national direct insurers to compare pricing.
• Asking about all available discounts to maximize savings.
• Considering bundling auto and home insurance with one company to save.
• Reviewing policy exclusions carefully to ensure you have the coverage you need.
• Selecting appropriate liability limits and deductibles to balance premium costs.

The major insurers serving Oklahoma City provide a wide range of policy options at very competitive rates. By shopping around and using available discounts, you can find great value insurance protection for your OKC home or auto.

With its dynamic economy and growing population, Oklahoma City is an attractive market for insurers. Top insurance companies like State Farm, Allstate, Shelter, and GEICO compete vigorously to provide cost-effective coverage options.

Make sure to compare quotes from several of the highly-rated insurers operating in the OKC region. Look for an insurer that offers the mix of policy features, customer service and prices that best fits your needs. With a little legwork, you can secure great insurance for your home, car or business at very competitive Oklahoma City rates.