Guthrie, OK Home Insurance - Analysis On Quotes, Rates & Agents
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.
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
| Place | Savings 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
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Guthrie, OK | 9.2% | 33.2% |
| Cedar Valley | 7.48% | 24.02% |
| Logan County | 9.59% | 34.99% |
| Cimarron City | 7.45% | 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 Deductible | High 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 Company | Farmers Insurance | State Farm |
| Monthly Premium | 286 | 620 | 508 |
| Year Built | 2010 | 1985 | 2000 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 2 Baths | 5 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
AllstateWhen 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.
ProgressiveI 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.
TravelersMy 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.
AllstateThey 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 BureauI 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 FarmI 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 BureauThe 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 FarmPrices 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.
ProgressiveI have not look at any other companies because I am bundled auto as well.