Guthrie Insurance Rates:

Guthrie, OK homeowners insurance is about $1,262 to $1,727, about $105-$143/month. Our thorough research reveals consumers can save as much as $597 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Different Ways to Reduce your Home Insurance Cost in Guthrie, OK

No one ever thinks their home will be the target of a disaster, but it can happen anytime. That's why it's important to have home insurance in Guthrie, OK. Home insurance can protect your home and belongings from disasters, including fire, theft, and vandalism. It can also help cover repairs or replacement costs if your home is damaged.

The average cost of home insurance in Guthrie, OK, is $1786. There's no question that home insurance can be expensive. But there are ways to reduce the cost of your policy. There are a few things to keep in mind when you're shopping for home insurance. First, make sure you understand the coverage that you need. Home insurance policies typically have different levels of coverage, so you'll want to make sure you have enough to protect your home and belongings. Second, be sure to get quotes from several different insurance companies. This will help you to compare rates and coverage options to find the best policy for your needs. In the article below, VHome has thoroughly studied various strategies for lowering Guthrie, OK, homeowners insurance rates.

By Choosing a Higher Deductible

A deductible is an amount you'll pay out of pocket before your insurance policy kicks in. So, if you have a $500 deductible and your home is damaged in a fire that costs $5,000 to repair, you'll only have to pay $500. Your insurance company will cover the remaining $4,500. Of course, choosing a higher deductible means paying more out of pocket if something happens to your home. But it can also lead to significant savings on your premium. For instance, in Guthrie, OK, homeowners who select deductibles of 500 and 1500 pay $1765 and $1503 for homeowners insurance. Owners of homes with 2000 and 2500-dollar deductibles pay $1364 and $1282, respectively. As a result, the higher the deductible, the lower the homeowner's insurance rates in Guthrie, OK.

By Installing Security Features

You can do many things to help reduce the cost of your home insurance in Guthrie, Oklahoma. One of the best things you can do is install security features on your home. This will help to deter burglars and other criminals from targeting your home. There are a number of different security features that you can install, and the type that you choose will depend on your budget and your needs. However, some popular security features include security alarms, cameras, and deadbolt locks. By installing these security features, you can help make your home a less attractive target for criminals, which can lead to a reduction in your home insurance rates. For instance, residences in Guthrie, Oklahoma, with deadbolts, spend $1572 for homeowner's insurance. Dreadlocks at home reduce the likelihood of theft or robbery.

By Maintaining a Zero Claims History

Your claims history is one of the factors that home insurance companies use to determine your premium. A zero-claims history shows insurers that you are a responsible homeowner and are less likely to file a claim. This can lead to even more savings on your premium. If you have a history of filing claims, your premium will be higher than someone with no claims. Therefore, by maintaining a zero-claims history, you will be able to get a lower premium. For instance, in Guthrie, Oklahoma residents who have never filed a claim must pay a premium of $1572. In contrast, in Guthrie, OK, homeowners with one or two claims must pay $1893 and $2036 for their homeowner's insurance.

Guthrie, OK Homeowners Insurance By Home Value

Guthrie, OK Home Value Total Homes % of Total Average Guthrie, OK Homeowners Insurance
Less than $50,000 1,140 12.0% $239
$50,000 to $59,999 163 1.0% $522
$60,000 to $69,999 481 5.0% $642
$70,000 to $79,999 490 5.0% $747
$80,000 to $89,999 408 4.0% $851
$90,000 to $99,999 361 4.0% $956
$100,000 to $124,999 848 9.0% $1105
$125,000 to $149,999 718 8.0% $1389
$150,000 to $174,999 1,060 11.0% $1628
$175,000 to $199,999 679 7.0% $1882
$200,000 to $249,999 1,076 12.0% $2270
$250,000 to $299,999 760 8.0% $2778
$300,000 to $399,999 665 7.0% $3525

Top Home Insurance Agents Near Guthrie, OK

Home Insurance Company Near Guthrie, OK Homeowners Insurance Agency Near Guthrie, OK Address
NA Delvin Jech Agency Inc. 117 W Admire, Kingfisher, OK, 73750
NA Chandler Financial Insurance 808 Sunset Dr Ste 200 Oklahoma City, Oklahoma City, OK, 73105
NA Timothy N Nye Insurance, Llc 36 Bella Vista Ln, Shawnee, OK, 74804
Farmers Chase Moore 1018 24th Ave NW Ste 130, Norman, OK, 73069
Farmers Minh Tran 816 NW 23rd St, Oklahoma City, OK, 73106

Guthrie, OK Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Guthrie, OK

Streets in Guthrie Area Homeowners Insurance Cost
W Prairie Grove Rd, E University Ave, S Oak St, Timberline Dr, Willow Creek Dr, Duffys Way, Derby Ln, N 8th St, N Deer Trl, N Douglas Blvd$1,507
E0760 Rd, Hanke Dr, Hollie St, Amanda Dr, First Capitol Cir, E University Ave, Mimosa Dr, Wentz St, Pat Pl, Sweetwater Dr$1,432
Forest Fox Rd, Tamora Rd, Fogarty St, Highland Hills Dr, Blackberry Ridge, N 12th St, Lakewood Dr, Jennifer Ln, Shepherd Ridge, Walking Tall Rd$1,499
Ward Rd, Loveland Cir, Daisey Ln, Castellina Ct, E Camp Dr, Buffalo Hill, E Springer Ave, Hamill Ln, Fox Hole, State Hwy 74F$1,515
Blanch Ln, E Jackson Ave, E Simpson Rd, Cade Ln, Coffey Ridge Rd, Northwestern Dr, N Cypress St, SW 19th St, Lake Shore Dr, S Phillips Rd$1,514
St Clair, Kevins Way, S 3rd St, Hilltop Rd, Laurie Ct, Adams Pl, N Eastridge Dr, Pawnee Creek Rd, Co Rd 74, Prairie Falcon Pointe$1,481
W Harrison Ave, Lakewood Rd, Glendale Ct, Red Cedar Rd, E Mansur Ave, Melanie Way, Meadows Ln, Sunset Ln, Stevens Rd, Ladera Ln$1,491
Meridian Ave, S Cypress St, Fox Trl, Sandy Ln, W Roller Coaster Rd, Patricia Dr, E0720 Rd, Pollock Rd, E Mansur Ave, Moose Cir$1,458
Tanglewood St, Palermo Dr, Bradford Farms Ln, Pine St, Springridge Rd, S Division St, Stone Brg, W Roller Coaster Rd, W Camp Dr, Hilltop Dr$1,482
N Lombardy Rd, Champion Cir, Wishon Dr, W Lakewood Dr, Pembroke Ln, Johnson Dr, State Hwy 74, Stone Crest Dr, Hollie Chappell Dr, E Roosevelt Ave$1,513

Guthrie, OK Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Guthrie$222 to $225
Cedar Valley$237
Logan County$221
Cimarron City$223

Guthrie, 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
Cedar Valley city, Oklahoma $238 $317 $476
Logan County, Oklahoma $221 $295 $443
Cimarron City town, Oklahoma $224 $298 $447

Guthrie, 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
Guthrie, OK9.2%33.2%
Cedar Valley7.48%24.02%
Logan County9.59%34.99%
Cimarron City7.45%34.51%

Guthrie Renters Insurance as a Percentage of Rent

Guthrie Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 95 4.0% $360
$200 to $299 83 3.0% $810
$300 to $499 405 18.0% $1260
$500 to $749 853 39.0% $1935
$750 to $999 323 15.0% $2685
$1,000 to $1,499 273 12.0% $3810
$1,500 or more 105 4.0% $5460

Average Cost Of Home Insurance By Company In Areas Nearby Guthrie For Different Scenarios

Home value ($) Construction type Company premium ($)
100,000 to 150000 Masonry Aca Ins. Co. Dba Csaa Fire & Casualty Insurance Co. 1,521
100,000 to 150000 Masonry American National Property & Casualty Co. 3,671
100,000 to 150000 Frame Allstate Prop & Cas Ins Co 4,380
70,000 to 100000 Masonry Farmers Insurance Co. 3,291
50,000 to 70000 Masonry Hanover Inusurance Co. 1,757
70,000 to 100000 Masonry Hanover Inusurance Co. 2,119
50,000 to 70000 Masonry Liberty Insurance Corp. 2,015
150,000 to 200000 Masonry North Star Mutual Insurance Co. 2,382
70,000 to 100000 Masonry Oklahoma Farm Bureau Mutual Insurance Co. 2,446
100,000 to 150000 Masonry Shelter Mutual Insurance Co. 3,368

Guthrie, OK Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$2,900
Yearly Guthrie Homeowner Insurance Premium Example $6,600$6,200
Out of Pocket Expense During Claim$900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $53,700$52,500
Net Savings to Guthrie Home Owner from High Deductible Plan $1,200

Guthrie, OK Home Insurance Costs With Home Replacement Value Scenarios

Scenario Guthrie, OK Home Replacement Value MORE than Home Value Guthrie, OK Home Replacement Value LESS than Home Value
Replacement Value $99,500 $69,000
Insurance Premium based on Replacement Value $2,875 $2,000
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $14,000 Risk Exposure from Under Insuring Coverage is $16,500
Premium Impact Insurance cheaper by $475/year Insurance costlier by $400/year

Example Guthrie Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyFarmers InsuranceState Farm
Monthly Premium 286620508
Year Built 201019852000
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $100000-$125000$200000-$250000$150000-$175000
Deductible $500- $1000 Deductible$500- $1000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1994 185,000 Tile Roof 2,080 3 $2500-$5000 Deductible 4030 9 Stone Siding yes
1941 425,000 Wood Shake Roof 4,590 5 > $10,000 Deductible 570 1 Brick siding No
2014 235,000 Composition Roof 3,150 5 > $10,000 Deductible 6350 12 Vinyl siding No
1989 235,000 Metal Roof 2,760 5 $5000 to $10,000 Deductible 3640 6 Fiber-Cement Siding yes
2006 485,000 Tile Roof 4,700 5 $500- $1000 Deductible 3680 3 Wood siding yes
1987 175,000 Tile Roof 1,910 3 $500 Deductible 2350 7 Stone Siding No
2013 465,000 Asphalt Shingles Roof 4,300 5 $5000 to $10,000 Deductible 3100 3 Vinyl siding No
1942 145,000 Shingles Roof 1,550 3 $2500-$5000 Deductible 1050 4 Wood siding No
1995 190,000 Shingles Roof 2,190 3 $500 Deductible 2100 4 Vinyl siding yes
1987 225,000 Composition Roof 2,450 5 $2500-$5000 Deductible 1620 4 Brick siding No
1942 180,000 Tile Roof 1,670 4 $2500-$5000 Deductible 1790 4 Brick siding No
1983 160,000 Asphalt Shingles Roof 2,170 5 $5000 to $10,000 Deductible 330 1 Brick siding No
1982 400,000 Tile Roof 4,620 5 > $10,000 Deductible 3430 7 Stucco siding yes
1949 255,000 Composition Roof 3,380 4 $2500-$5000 Deductible 3400 6 Stone Siding No
1942 200,000 Composition Roof 2,370 3 $500- $1000 Deductible 3330 5 Stone Siding yes
1981 450,000 Metal Roof 4,710 5 $1000-$2500 Deductible 15910 12 Stone Siding yes
1946 505,000 Tile Roof 4,730 5 $500- $1000 Deductible 5140 3 Vinyl siding yes
1988 205,000 Composition Roof 2,170 4 $2500-$5000 Deductible 1910 4 Stucco siding No
1940 135,000 Metal Roof 1,500 5 $1000-$2500 Deductible 480 2 Brick siding yes
2014 195,000 Wood Shake Roof 2,370 3 $500- $1000 Deductible 4070 8 Vinyl siding yes
2012 115,000 Tile Roof 1,330 3 $1000-$2500 Deductible 1510 6 Brick siding No
2005 220,000 Metal Roof 2,140 4 $5000 to $10,000 Deductible 440 1 Vinyl siding yes
1994 475,000 Asphalt Shingles Roof 4,460 5 $500- $1000 Deductible 16240 12 Fiber-Cement Siding No
2010 215,000 Slate Shingles Roof 1,990 5 $500- $1000 Deductible 620 1 Stone Siding No
1943 215,000 Tile Roof 2,500 5 $500 Deductible 8430 10 Brick siding yes
1948 180,000 Composition Roof 1,730 4 $500- $1000 Deductible 7310 12 Stucco siding No
1946 235,000 Shingles Roof 2,520 4 $500- $1000 Deductible 4170 7 Fiber-Cement Siding No
1943 210,000 Membrane Roof 2,290 4 $500 Deductible 1290 2 Fiber-Cement Siding yes
1947 150,000 Composition Roof 1,410 3 $1000-$2500 Deductible 1100 4 Brick siding yes
2004 160,000 Composition Roof 1,580 5 $500 Deductible 380 1 Fiber-Cement Siding yes
1992 265,000 Shingles Roof 2,600 5 $1000-$2500 Deductible 4490 7 Stone Siding No
2006 195,000 Wood Shake Roof 2,120 4 $1000-$2500 Deductible 1340 4 Stone Siding No
1984 185,000 Membrane Roof 2,570 4 $500- $1000 Deductible 3480 8 Vinyl siding yes
1990 195,000 Wood Shake Roof 1,980 4 $500- $1000 Deductible 3400 6 Stone Siding No

Latest Home Insurance Reviews

Allstate
When comparing insurance companies, Allstate offers a wide range of coverage for my home and its possessions in a similar manner as all of the other insurance companies.
Progressive
I didn't really compare companies for pricing. I use progressive for my car insurance and offered me a great deal to pair my home insurance.
Travelers
My insurance company always treats me like a person, and not a number. customer service is top-notch and very convenient to talk to a real person on the telephone.
Allstate
They are very supportive over-the-phone and the wait time to get to talk with someone is not too long and can be done quickly and easily.
Farm Bureau
I like that they understand rural and farm properties. i like that they're engaged in the local community. i like that when claims occur that they have knowledgeable claims adjustors and if a problem comes up, they send someone out to assess the issue and solve the problem.
State Farm
I don't really dislike them at all. They could always offer more benefits or cut rates back, but overall I can't complain too much about their service.
Farm Bureau
The premium is more or less the same when compared to most of the other companies. But I have to stick to this company because of their good service.
State Farm
Prices aren't anyone's favorite part of business. I dislike paying a lot for my insurance, but it is a necessary evil for living in a hurricane zone. I prefer to mail things as well, but they prefer payments by website. It is what it is.
Progressive
I have not look at any other companies because I am bundled auto as well.

How To Make Your Guthrie, OK Home Insurance Cheaper

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