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When shopping for home and auto insurance, some insurers offer better deals on bundled coverage than others. We’ve compared multi-policy discounts from insurance companies in Oklahoma to identify which ones provide significant savings when combining multiple coverage types.
State Farm provides the highest percentage discount on home and auto insurance premiums in Oklahoma when you bundle your policies. By choosing this insurer, you can save an average of 31% on your home and auto bundle.
On the other hand, Allstate provides the lowest overall rate for bundling in Oklahoma. When you bundle your policies, you can expect to pay an average of $4,641.
Key Takeaways
- In Oklahoma, State Farm is the best home and auto bundle insurance provider, offering an average discount of 31%.
- Some companies offer bigger savings for bundling than others, so it pays to shop around.
- Where you live within the state will impact how much you can save by bundling.
- Bundling usually makes sense, but there are situations where this might not be the case.
How we picked the best companies for home and auto bundling
Insure.com analyzed home and auto insurance rates from Quadrant Data Services in 2024 for all 50 states and Washington, D.C. Home and auto bundling discount percentages, based on the average discount from each company were also analyzed. Before and after bundling rates were calculated using the average discount percentage. We included 48 companies and 4,686 ZIP codes in our analysis.
Our recommendation for the best home and auto bundles in Oklahoma
Insure.com’s analysis ranked companies based on the average bundle discount they offer both in terms of dollar amount and percentage. Based on those criteria, these are the best companies for home and auto bundles in Oklahoma.
State Farm
The average bundle discount at State Farm is $2,204, or 31%. Before the bundle discount is added, the average cost of home and auto insurance is $7,183. After getting a bundle discount, the cost drops to $4,979. State Farm ranked at No. 6 in our Best Auto Insurance Companies ranking and No. 4 in the Best Home Insurance Companies ranking.
Allstate
Allstate offers an average bundle discount of $755, or 14%. Before the bundle discount, you’ll pay an average of $5,396, which will decrease to $4,641 after the discount is applied.
Farmers Insurance
Farmers Insurance offers an average discount of $1,630 when you bundle your auto and home insurance, which is about 17%. Without the discount, the average cost is $9,430, but with the discount, it drops to $7,800.
Compare home and auto bundles in Oklahoma
The amount you can save on home and auto insurance with a bundle in Oklahoma varies by company. Here is a breakdown of the rates and savings with top companies.
| Company | Premium after Bundle | Auto and home bundling (Survey) | Home survey | A.M. Best Score | % Difference | Overall Rating |
|---|---|---|---|---|---|---|
| State Farm | $4,979 | 47 | 87.4 | A++ | 31% | 80.91 |
| Allstate | $4,641 | 39 | 85 | A+ | 14% | 61.6 |
| Farmers Insurance | $7,800 | 43 | 82 | A | 17% | 52.94 |
What company offers the cheapest home and auto bundles in Oklahoma?
State Farm offers the biggest percentage discount if you bundle. Allstate offers the cheapest rate overall if you bundle.
| Company | Home insurance premium | Auto insurance premium | Premium before Bundle | Premium after Bundle |
|---|---|---|---|---|
| Allstate | $2,937 | $2,459 | $5,396 | $4,641 |
| State Farm | $5,617 | $1,566 | $7,183 | $4,979 |
| Oklahoma Farm Bureau | $3,929 | $3,039 | $6,968 | $5,408 |
| Farmers Insurance | $7,113 | $2,317 | $9,430 | $7,800 |
Most and least expensive ZIP codes for home and auto insurance bundles in Oklahoma
The ZIP code you live in can influence the discount you’ll get for bundling your coverage and the base rates before the discount is applied. Here’s a list of the most and least expensive ZIP codes in Oklahoma for bundling insurance.
Most expensive ZIP codes
The most expensive ZIP code in Oklahoma for bundling home and auto insurance is 73132, with an average cost of $6,390. Here are the 10 most expensive ZIP codes:
| ZIP code | Average auto and home after discount | Average difference |
|---|---|---|
| 73132 | $6,390 | 21% |
| 73162 | $6,376 | 21% |
| 73131 | $6,375 | 21% |
| 73114 | $6,311 | 21% |
| 73134 | $6,301 | 21% |
| 73142 | $6,299 | 21% |
| 73129 | $6,295 | 21% |
| 73120 | $6,272 | 21% |
| 73116 | $6,251 | 21% |
| 73102 | $6,251 | 21% |
Least expensive ZIP codes
The most affordable ZIP code in Oklahoma for bundling home and auto insurance is 74955, with an average rate of $4,909. Below are the 10 least expensive ZIP codes.
| ZIP code | Average auto and home after discount | Average difference |
|---|---|---|
| 74955 | $4,909 | 21% |
| 74027 | $4,925 | 20% |
| 74960 | $4,930 | 20% |
| 74116 | $4,951 | 21% |
| 74103 | $5,027 | 21% |
| 74119 | $5,048 | 21% |
| 74130 | $5,055 | 21% |
| 74727 | $5,060 | 21% |
| 74120 | $5,061 | 21% |
| 74108 | $5,064 | 21% |
Frequently asked questions about bundling home and auto insurance
Is bundling home and auto insurance right for everyone in Oklahoma?
Bundling your insurance policies can save you money and add convenience. With a single insurer, you’ll have one point of contact and easy access to all your coverage details on one website.
While bundling can be a good deal, it’s not always the right choice. Sometimes, a company may offer great auto insurance rates but have higher prices for homeowners insurance, so it might be worth looking elsewhere for your homeowners coverage.
Also, some insurers might provide the right coverage you need for one type of insurance but not for the other.
Instead of relying on a bundle, it’s worth checking out other options to ensure you get the best deal.
Remember when buying insurance that you’re doing so to protect your most valuable assets, says Christine O’Brien, president of the Insurance Council of New Jersey. Take the time to learn about policy limits and coverages and get several quotes.
How can you switch to a home and auto bundle in Oklahoma?
Bundling your policies is a quick process. When one of your insurance policies is up for renewal, you can decide to bundle your car and homeowners insurance with the same company.
You don’t have to wait until renewal to bundle. If you cancel any of your policies early, you’ll likely get a refund for the months you won’t be covered.
Remember not to cancel your old policy until your new coverage is in place to avoid any gaps in coverage.
Methodology
Insure.com analyzed rates and discount averages provided by Quadrant Data Services in 2024 fielded from all 50 states and Washington, D.C. Rates were compared based on average home and auto premiums before bundling and after bundling based on the average multi-policy discount offered by each insurance company. The average total rate after the discount was calculated by subtracting a dollar amount equal to the average discount percentage from the pre-discount total rate.
You might find interesting
How much is home and auto bundle insurance in other states
- How we picked the best companies for home and auto bundling
- Our recommendation for the best home and auto bundles in Oklahoma
- Compare home and auto bundles in Oklahoma
- What company offers the cheapest home and auto bundles in Oklahoma?
- Most and least expensive ZIP codes for home and auto insurance bundles in Oklahoma
- Frequently asked questions about bundling home and auto insurance
- Methodology