Norman, OK Home Insurance - Analysis On Quotes, Rates & Agents

Norman, OK Insurance Rates:

The average cost of home insurance in the U.S. is $1,438. But, the cost of home insurance in a specific region depends on various factors including Zip Code, age, and value of the house, construction time, etc. The average cost of insurance in Norman, OK is $1530.85 Enter your Zip Code in the banner below to get instant home insurance quotes. vHomeInsurance undertook a detailed analysis of the cost of insurance in Norman, OK.

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Average Home Insurance Premium in Norman, OK

National Average Premium State Average Premium Norman Average Premium
$1,438 $1,489 $1,530.85

Top Home Insurance Companies in Norman, OK | Back to Top

The following is a list of home insurance companies that provide the best home insurance quotes in Norman, OK

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
American National Property And Casualty Company $1,669 $2,002 $2,603 $3,592
Farmers $2,608 $3,130 $4,069 $5,615
Great Northern $3,678 $4,414 $5,738 $7,918
State Farm $3,778 $4,533 $5,894 $8,133

Norman, OK Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 877.71
$150,000 To $174,999 1,254.35
$175,000 To $199,999 1,509.83
$200,000 To $249,999 1,693.18
$250,000 To $299,999 2,525.97
$300,000 To $399,999 3,507.14
$400,000 To $499,999 4,589.01
$500,000 To $749,999 5,873.94
$750,000 To $999,999 6,791.74
$1000,000 To $1499,999 7,480.09
$1500,000 To $2000,000 8,030.77

Visual Guide for Norman, OK Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Norman, OK | Back to Top

Home Insurance Company Near Norman, OK Homeowners Insurance Agency Near Norman, OK Address
Farmers Dale Mogseth 36 SW 104th St, Oklahoma City, OK, 73139
Allstate Maria Lucia Lopez 3523 NW 36th St, Oklahoma City, OK, 73112
State Farm Paul Garetson 9020 S Sooner Rd, Oklahoma City, OK, 73165-9657
Liberty Mutual Independent Webb Young & Webb Inc 3007 Nw 63 St #130 Oklahoma City, Oklahoma City, OK, 73116

List of Norman, OK Home Insurance Agents by Companies


Norman, OK Homeowners Insurance Rates Based on Claims Filed | Back to Top

Homeowners in Norman, OK who have no previous history of claims filed are eligible for a discount of $183.7. Homeowners in Norman, OK with one claim have to pay an additional home insurance rate of $92, while homeowners with 2 claims have to pay an additional $214 on their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -184 1,347
One Claim +92 1,623
Two Claim +214 1,745


Norman, OK Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
73072 188,000 1,552
73026 159,600 1,549
73071 126,800 1,439
73069 125,100 1,552

Factors Affecting Home Insurance Premiums in Norman, OK

The average home insurance premium in Norman, OK is $1530.85. There are various factors in Norman, OK that affect home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance rates.

Norman, OK Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 1,263
3 Bedroom 1,353
4 Bedroom 2,074
5 Bedroom 4,058

Norman, OK Home Insurance Premiums for Different Deductibles | Back to Top

Norman, OK Homeowners who pay a deductible of $500 pay a higher amount for home insurance, while Norman, OK homeowners who pay a deductible as high as $2500 pay a lower amount on their home insurance rates, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 1,512
$1000 Deductible 1,368
$1500 Deductible 1,288
$2000 Deductible 1,169
$2500 Deductible 1,099

Norman, OK Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Norman, OK pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 1,163
Year 30 Old 1,554
Year 40 Old 1,571
Year 50 Old 1,589
Above Year 50 1,604

Norman, OK Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 199 1,332
Masonry 77 1,454
Brick 77 1,454
Superior 138 1,393
Hail Resistant Roof 31 1,500

Top Saving Tips on Norman, OK Homeowners Insurance | Back to Top

Homes that are built using sturdy materials have less propensity to damage. Owing to this, Norman, OK homes built with sturdy materials earn discounts on homeowners insurance. Norman, OK homeowners who have clubbed their auto insurance policy with home insurance also receive discounts from home insurance companies. Apart from this, home insurers provide discounts to Norman, OK senior citizens. Norman, OK homes attract a considerable amount of discounts depending on the type of home safety devices installed in the household.

The tables below contain the complete list of discounts that Norman, OK homeowners can avail to increase their savings.

Norman, OK Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 245 1,286
Retiree Discount (Senior Citizen Discount) 214 1,745
Newly Constructed Home 367 1,163

Norman, OK Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 168 1,362
Fire Extinguishers 138 1,393
Smoke Detectors 122 1,408
Sprinkler System 153 1,378
Fire Alarm 92 1,439
Burglar Alarm 138 1,393
Lightning Protection 31 1,500

Latest Home Insurance Reviews

Allstate
I would recommend Allstate to anyone looking for great coverage for a great price. I have had nothing but a great experience with them.
State Farm
I would highly recommend State Farm Insurance because they have great customer service skills and offer great discounts to help homeowners.
Nationwide
I would recommend people look into Nationwide . The cost is very low with similar coverage to what I had before. They are, apparently, the longest running home insurance company in the United States.
Farm Bureau
I also have had some problems with changing policies and things like that.
Farm Bureau
I also can go online and make payments, print insurance cards and find information about my policies. such as amount owed and coverage information.
Liberty Mutual
Liberty Mutual has both home and auto insurance coverage. By having both coverage with the same company, policy holders can save 10 percent or more on their home policy.
Geico
I went with my current company because of the rate they provided. I do shop around and they had the best rate for the same coverage.
Farm Bureau
I like how they always remember who we are and call us by name. They're so friendly
Allstate
Amica-They come to our place and help us. The service is great. They understand the value of money and serve it
Progressive
We lump all of our insurance needs through Allstate and our agent was the one who searched for our current policy through Cypress because it matched the premium and deductible we had previously.
Mapfre Insurance
I think it’s like 1000. Deductibles are one of the reasons I hate insurance companies. I still need to pay when something happens even though I pay them every month. I am sure all companies do this. They suck
Farmer's Insurance
I would recommend Farmers Insurance to other people because of their customer service and personal attention. They are also not more expensive in premiums than most other companies.
Allstate
We bought it whenever we bought the house and havent had to use it.
Geico
I am very satisfied with the customer service I have received when calling Geico. They are very helpful answering any questions I have had and do not constantly try to sell me products I do not need like some other companies.
State Farm
State farm offers discounts to its loyal customers and i have benefited from my long-term relationship with them as a customer.
Allstate
Overall, the premiums are good, the customer service is good and the website is helpful to streamline my needs of getting information.
Farm Bureau
They are friendly. If they are unsure of an answer they normally call you back within 30 min with the answer and do everything that they can to make sure that I am satisfied
Nationwide
Because I have had the account with Nationwide for a number of years without a claim, I no longer have a deductible. I also feel my premium rate is very competitive with other insurance companies.
Allstate
What does not please the company, is that at the time of calling, your attention to the client takes a long time to answer, in turn, when visiting the offices, you have to wait a while so they can assist you
Farm Bureau
It’s not very user-friendly, it's gotten better but it has a long way to go. I can never find my balance or my statements and it takes me forever anytime I log in. I finally stopped using it. It's easier just to call or go in now.
Liberty Mutual
The premium is reasonable compared to other quotes I've gotten. While it is far from the cheapest, I do feel like paying a little more for a company known to actually pay claims with little hassle is worthwhile.
Farm Bureau
I have not found anything that I dislike about the company. They have always been courteous in any interactions.
Geico
We feel rates are fair, and customer service is good. We've also checked complaint rates for this company, and are satisfied with them.
State Farm
There is nothing I dislike about the company. I think that they are great and should be around for a long time.
Amica Mutual Insurance
Amica offers an additional tier of coverage called "Platinum Choice", which costs more, but includes identity fraud monitoring, full glass coverage, prestige rental coverage, and rewards for good driving. so recommend the amica.
Farmer's Insurance
I would not recommend this company for home insurance due to the cost, the lack of customer service (i have waited days at a time for an agent to call back) and overall lacking of options.
Farm Bureau
My experience has been purely positive. My agent is friendly and accessible. He has quick follow through and finds me the best deals.
State Farm
Nobody loves insurance but they are fine where it matters. They will talk to you and answer the phone when you call. Nothing special but nothing terrible.
State Farm
this insurance company has many decutablie to choose from that is why I choose them
Farmer's Insurance
The company staff is friendly and helpful. The premiums are increasing and the coverage is declining.
Allstate
This has been the best insurance company I have worked with and I will continue to business with them for years to come. I have no complaints about this company and I will tell my friends about it.
Allstate
Overall, I like how all company interactions, no matter what the reason, is very easy without any type of hassle.
Allstate
My current insurance company has very good phone service, their reps are very friendly and accommodating. They are willing to work with you