Enid Insurance Rates:

Enid, OK homeowners insurance is roughly $1,216 to $1,652, about $101-$137/month. Our extensive guide indicates shoppers can save as much as $574 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Enid, OK, Discounts on Homeowners Insurance

In Enid, Oklahoma, homeowners pay an average home insurance rate of $1,324, which is lower than the national average of $1,438. Considering several factors, Enid homeowners can use home insurance companies’ discounts to reduce their home insurance rates. Below is a list of the deals provided to Enid homeowners that they can take advantage of to save on home insurance.

Enid_OK_Discounts_on_Homeowners_Insurance

Home insurance companies provide discounts to Enid homeowners based on the construction materials used to build the house. Enid homes built using sturdy materials make them more resistant to damage, earning them considerable discounts from home insurance companies. For example, Enid homes constructed using fire-resistive materials and superior materials get discounts of $146 and $119, respectively, on their homeowner’s insurance. Houses built using masonry and brick earn a discount of $66, while homes that have a hail resistant roof get a $26 discount.

Newly constructed Enid homes can avail of discounts of up to $278 on homeowners insurance. New homes have a low propensity to damage. As a result, home insurance companies offer substantial discounts to newly built homes. On the other hand, older homes attract higher insurance rates. The average home insurance rates of Enid homes older than 40 years and 50 years are $1,388 and $1,358, respectively.

In the best interest of protecting their investments, home insurance companies offer discounts to homes installed with safety devices. For instance, Enid homes with deadbolts and fire extinguishers can avail discounts.

Although most of the factors to avail discounts are not under the purview of homeowners, they can benefit most by choosing deductibles to reduce home insurance rates. Homeowners can avail of attractive discounts by opting for higher deductibles. Enid homeowners paying a high deductible of $2,500 receive a discount $377 on homeowners insurance. Meanwhile, homeowners receive a discount of  $312 and $209, respectively, on deductibles of $2,000 and $1,500.

Home insurance companies provide discounts to homeowners who have a claims-free history. In contrast, homeowners with prior claims can attract an additional charge on their home insurance premiums. The cost of home insurance in Enid increases by up to 44% based on the nature and number of claims.

Home insurance companies provide special discounts to Enid homeowners based on their profession. Teachers, army personnel, and federal government employees can avail of special discounts on homeowners insurance. Also, senior homeowners in Enid can avail of discounts of up to $217 on homeowners insurance. Home insurance companies provide discounts to homeowners, depending on their claims history.

Enid, OK Homeowners Insurance By Home Value

Enid, OK Home Value Total Homes % of Total Average Enid, OK Homeowners Insurance
Less than $50,000 3,187 23.0% $387
$50,000 to $59,999 834 6.0% $832
$60,000 to $69,999 1,050 7.0% $1033
$70,000 to $79,999 897 6.0% $1191
$80,000 to $89,999 895 6.0% $1348
$90,000 to $99,999 773 5.0% $1521
$100,000 to $124,999 1,757 13.0% $1750
$125,000 to $149,999 1,093 8.0% $2195
$150,000 to $174,999 782 5.0% $2597
$175,000 to $199,999 487 3.0% $2999
$200,000 to $249,999 686 5.0% $3601
$250,000 to $299,999 500 3.0% $4405
$300,000 to $399,999 471 3.0% $5610

Top Home Insurance Agents Near Enid, OK

Home Insurance Company Near Enid, OK Homeowners Insurance Agency Near Enid, OK Address
NA Wilcox & Mcgrath Insurance 808 S Main St Ste 8100, Stillwater, OK, 74074
NA National Student Services, Inc. 1337 S Western Rd, Stillwater, OK, 74074
Travelers Albright Insurance Agency Inc 314 N 5Th St Ponca City, Ponca City, OK, 74601
Farmers Barry Patton 1120 N Duck St Ste B, Stillwater, OK, 74075
Travelers Messer-Bowers Company 300 W CHEROKEE AVE, ENID, OK, 73701

Enid, OK Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Enid, OK

Streets in Enid Area Homeowners Insurance Cost
N2850 Rd, Okarche, Purdue Rd, W Oklahoma Ave, Lilac Pl, S Polk St, Woodchuck Rd, W Pine Ave, Katie Ln, E0460 Rd$1,451
N2990 Rd, S Adams St, W York Ave, Raleigh St, Edwards St, Breckinridge Rd, E Cherokee Ave, Lorean Dr, E Cypress Ave, Kansas Ave$1,409
Carrier Rd, S Wheatridge Rd, E Randolph Ave, N Keystone Dr, Pike Trl, Chickasaw Dr, Field Dr, Field Dr, Wesley Ln, N Grant St$1,455
Huron St, N Washington St, Kennedy St, Purdue, Rockwood Rd, Larkspur Ln, 6th St, S Imo Rd, Reiter Cir, N 17th St$1,459
W Longview Dr, S Taylor St, Paris Pl, Quail Trl, N Johnson St, E0450 Rd, N Emerson St, Lincoln Dr, W Oklahoma Ave, N 4th St$1,438
Dustin Dr, E Broadway Ave, Robin Rdg, Lynn Ln, Redwood, Picketwire Rd, S Taylor St, Bland Dr, Quail Ln, Hamilton St$1,457
Valley Crest St, S 6th St, Rose Tree Ln, Ponca Ave, S Longview Dr, Scott Dr, Lakewood Dr, Valley Forge Dr, Paradise Ln, Lehr St$1,523
Valley Rd, Graham Ave, Clairemont, Osage Ave, Brooks Dr, 47th East West Rd, Burns St, Tanglewood St, Wyoming, Fairmont Rd$1,532
Colletta Dr, E Cambridge Ave, S 10th St, S 17th St, Weaver St, Sequoyah Dr, Pride Dr, Sonata Cir, County Rd, Evandale Dr$1,435
S Tyler St, Willa Jean St, Hancock Ave, Rolling Oaks Dr, Bear Run, Parker Dr, S Harrison St, Westwood Rd, Wheat Capitol, Vicksburg$1,521

Enid, OK Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Enid$214 to $217
North Enid$218
Garfield County$214
Waukomis$211

Enid, OK Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
North Enid town, Oklahoma $218 $291 $437
Garfield County, Oklahoma $215 $286 $429
Waukomis town, Oklahoma $212 $282 $423

Enid, OK Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Enid, OK12.7%33.9%
North Enid12.25%35.82%
Garfield County12.7%34.22%
Waukomis16.88%41.08%

Enid Renters Insurance as a Percentage of Rent

Enid Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 103 1.0% $386
$200 to $299 171 2.0% $836
$300 to $499 1,256 18.0% $1286
$500 to $749 2,953 43.0% $1961
$750 to $999 1,298 19.0% $2711
$1,000 to $1,499 796 11.0% $3836
$1,500 or more 218 3.0% $5486

Enid, OK Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$3,600
Yearly Enid Homeowner Insurance Premium Example $8,100$7,100
Out of Pocket Expense During Claim$600$3,600
Total Home Insurance Premium for 4 years + Out of Pocket Expense for Claim $33,000$32,000
Net Savings to Enid Home Owner from High Deductible Plan $1,000

Enid, OK Home Insurance Costs With Home Replacement Value Scenarios

Scenario Enid, OK Home Replacement Value MORE than Home Value Enid, OK Home Replacement Value LESS than Home Value
Replacement Value $101,500 $72,000
Insurance Premium based on Replacement Value $3,375 $2,400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $8,000 Risk Exposure from Under Insuring Coverage is $21,500
Premium Impact Insurance cheaper by $725/year Insurance costlier by $250/year

Example Enid Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateFarmers InsuranceGEICO Insurance
Monthly Premium 363377343
Year Built 198019611954
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $125000-$150000$150000-$175000$100000-$125000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible$500 Deductible

Sample Home Insurance Rates for Enid, OK from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1974 135,000 Tile Roof 2,100 3 $500- $1000 Deductible 4860 12 Wood siding yes
1966 230,000 Tile Roof 3,870 5 $500- $1000 Deductible 7530 10 Vinyl siding yes
1962 165,000 Asphalt Shingles Roof 2,600 4 $5000 to $10,000 Deductible 2140 8 Stucco siding No
1980 145,000 Shingles Roof 2,170 4 $2500-$5000 Deductible 1490 5 Wood siding No
1999 85,000 Shingles Roof 1,640 3 $500- $1000 Deductible 780 4 Fiber-Cement Siding yes
1965 150,000 Slate Shingles Roof 2,380 3 $1000-$2500 Deductible 1400 4 Stone Siding yes
1980 195,000 Membrane Roof 2,600 4 $500 Deductible 720 1 Fiber-Cement Siding yes
1962 115,000 Composition Roof 1,850 3 $1000-$2500 Deductible 390 1 Brick siding yes
1984 140,000 Composition Roof 2,580 4 $500 Deductible 1400 3 Fiber-Cement Siding yes
1970 85,000 Shingles Roof 1,220 3 $500 Deductible 860 3 Vinyl siding yes
1980 190,000 Shingles Roof 2,490 5 $500 Deductible 5210 10 Vinyl siding No
1985 105,000 Asphalt Shingles Roof 1,300 3 $1000-$2500 Deductible 1310 5 Stucco siding No
1959 150,000 Composition Roof 2,020 3 $5000 to $10,000 Deductible 1600 7 Brick siding No
1973 195,000 Metal Roof 3,210 5 $1000-$2500 Deductible 4020 8 Wood siding No
1978 245,000 Shingles Roof 4,420 5 $2500-$5000 Deductible 2220 4 Vinyl siding No
1944 105,000 Membrane Roof 1,710 3 $500 Deductible 2830 8 Stone Siding yes
1960 180,000 Shingles Roof 2,970 4 $500 Deductible 3380 10 Stone Siding yes
1950 140,000 Shingles Roof 2,290 4 $500- $1000 Deductible 600 2 Stone Siding No
1989 130,000 Asphalt Shingles Roof 2,120 3 $1000-$2500 Deductible 2460 7 Stone Siding No
1963 235,000 Composition Roof 4,310 5 $1000-$2500 Deductible 6960 12 Brick siding yes
1980 110,000 Slate Shingles Roof 1,830 3 $500 Deductible 1200 5 Brick siding yes
1986 140,000 Membrane Roof 2,100 3 $1000-$2500 Deductible 760 2 Vinyl siding yes
1985 160,000 Asphalt Shingles Roof 2,320 3 $500- $1000 Deductible 4180 8 Fiber-Cement Siding yes
1976 110,000 Asphalt Shingles Roof 1,900 4 $1000-$2500 Deductible 640 2 Brick siding No
1948 210,000 Asphalt Shingles Roof 2,930 5 $2500-$5000 Deductible 4970 10 Stucco siding yes
1997 290,000 Wood Shake Roof 4,290 5 $500- $1000 Deductible 4930 8 Vinyl siding No
1979 100,000 Shingles Roof 1,350 3 $500- $1000 Deductible 230 1 Fiber-Cement Siding No
1984 110,000 Shingles Roof 2,040 3 $500- $1000 Deductible 590 2 Vinyl siding yes
1987 170,000 Slate Shingles Roof 2,970 5 $5000 to $10,000 Deductible 3350 12 Wood siding No
1950 95,000 Composition Roof 1,290 3 $500 Deductible 1360 5 Stucco siding No
1959 110,000 Metal Roof 1,800 3 $500 Deductible 3320 10 Wood siding yes
1981 150,000 Tile Roof 2,360 4 $500 Deductible 3940 7 Vinyl siding No
1950 120,000 Slate Shingles Roof 1,800 4 $1000-$2500 Deductible 1040 3 Brick siding yes
1946 80,000 Shingles Roof 1,530 5 $2500-$5000 Deductible 1160 8 Stucco siding yes

Latest Home Insurance Reviews

Allstate
My premium and deductible compared to other insurance service providers is very good, the price is very reasonable and the deductible is low.
Farm Bureau
They are always easy to get in touch with. we can email them or call them and they are usually available to talk immediately. if i do have to leave a message then it is returned very quickly.
Farm Bureau
I do not like that you have to pay a fee for paying with your debit card. i pay everything by our debit card.
State Farm
I have a relatively low deductible. They worked with me to find the best coverage for my area. The price point with what is included in the insurance was the best bang for my buck.
State Farm
They are priced closer to the low end but for what you get you cant complain. They make sure your covered.
Farm Bureau
They could have a lower premium. Especially when claim rate is low. The claim service is quick and efficient though.
Metlife
I like Met Life’s rates.Their website sucks and always has problems and never seems to update with your next payment due amount. Customer service is quick and answered emails personally and quickly.
Farmer's Insurance
So far so good. They answered my questions fast. So I would give them a 5.
Farmer's Insurance
When things are calm, we tend not to hear from farmers. is no news good news?
Farm Bureau
I have compared pricing over the years for different premiums and I have never saved any money by switching. It is a complete waste of time because you end up paying the same no matter where you go.
Geico
Overall I like everything about the company. I have never had any real complaints. The staff, the coverage, and the cost has all be perfect for my family.
Farm Bureau
I have to be honest I truly don't dislike anything about this company. I could make something up but that wouldn't be fair to your study.
Amica Mutual Insurance
I think my premium is competitive, and I've wrapped it into my escrow.
Geico
I love the communication of my company. They send me e-mails for any changes or updates.

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