Oklahoma City has 697,125 residents in 280,065 households. We list 61 agencies for home insurance in Oklahoma City. Here is what the local numbers say about the cover people here need.

Oklahoma City at a glance

61home insurance agencies listed
41.4%of households rentRenters insurance
$231,300median home valueHome insurance
1982median year homes were builtRebuild cost calculator
6.5%of households have no carAuto insurance
3%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Oklahoma County

FEMA rates the overall natural hazard risk in Oklahoma County, where most Oklahoma City agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

Ice stormVery High
HailVery High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Oklahoma City
TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Oklahoma City
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance
Winter weatherRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Oklahoma

Oklahoma requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Oklahoma City How much liability cover do you need?

Source: oid.ok.gov. Checked 2026-10-24.

Insurance companies Oklahoma City agencies work with

Of the 61 Oklahoma City agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Liberty Mutual32 agencies
Progressive28 agencies
Safeco28 agencies
Travelers28 agencies
The Hartford27 agencies
Liberty Mutual (Safeco)23 agencies
Markel22 agencies
Travelers (Standard Fire)22 agencies
Foremost19 agencies
National General18 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Oklahoma City agencies are

Oklahoma City agencies we list sit in 29 ZIP codes, mostly in Oklahoma County.

731189 agencies
731125 agencies
731144 agencies
731594 agencies
731624 agencies
731203 agencies
731343 agencies
731062 agencies
731162 agencies
731322 agencies
731422 agencies
731572 agencies
731602 agencies
731702 agencies
731011 agency
731031 agency
731051 agency
731071 agency
731091 agency
731101 agency
731221 agency
731301 agency
731311 agency
731391 agency

Questions

Home insurance in Oklahoma City

All insurance agencies in Oklahoma City · Home insurance across Oklahoma

Where can I find home insurance in Oklahoma City?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Which insurance companies do Oklahoma City agencies work with?

Among the 61 Oklahoma City agencies whose appointments we hold, the companies they are most often appointed with are Liberty Mutual (32), Progressive (28), Safeco (28), Travelers (28), The Hartford (27). An appointed agency can quote that company's policies.

Do I need flood insurance in Oklahoma City?

FEMA's National Risk Index rates inland flooding risk in Oklahoma County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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