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Affordable Insurance for Oklahoma Families

Oklahoma pays the highest home insurance rates in America.

At an average of $5,298 a year, Oklahoma families pay 121% more than the national average. It is time for real reform, more choices, and lower rates.

Add Your Voice See How We Compare
#1
Highest home insurance rates of any state
$5,298
Average Oklahoma annual premium
+121%
Above the national average of $2,395
6.6%
Of household income spent on home insurance, highest in the nation

How Oklahoma compares to the rest of the country

Home insurance rates rose nearly 47% nationwide from 2020 to 2025, but nowhere are families squeezed harder than Oklahoma. We pay more than any other state in America.

Average Annual Home Insurance Premium by State
AL AK AZ CO FL GA IN KS ME MA MN NJ NC ND OK PA SD TX WY CT MO WV IL NM AR CA DE DC HI IA KY MD MI MS MT NH NY OH OR TN UT VA WA WI NE SC ID NV VT LA RI AL AK AZ CO FL GA IN KS ME MA MN NJ NC ND OK PA SD TX WY CT MO WV IL NM AR CA DE DC HI IA KY MD MI MS MT NH NY OH OR TN UT VA WA WI NE SC ID NV VT LA RI OKLAHOMA — $5,298 / yr Highest in the nation, +121% vs. U.S. average
Lowest rates
Below / near average
Above average
High
Highest in the U.S.
#1 Most Expensive
Oklahoma
$5,298 / year
#2 Most Expensive
Nebraska
$4,956 / year
National Average
United States
$2,395 / year

The problem is real. So are the solutions.

Rising rates are squeezing Oklahoma families and small businesses. These are the proven, common-sense reforms that can actually bring costs down.

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Recruit Carriers Back

Bring quality insurance carriers back to Oklahoma so families have more choices and real competition drives rates down.

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Pass Proven Legal Reforms

Adopt the common-sense legal reforms that have curbed lawsuit abuse and helped stabilize insurance markets in other states.

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Speed Up Claims

Fix the claims process so Oklahomans get paid fairly and fast when disaster strikes, not months later.

Oklahoma needs fighters on insurance

Getting rates down is going to take leaders who have actually done the work, not just talked about it. Oklahoma has had them. During his time in the Oklahoma Legislature, Marty Quinn spent years on exactly these issues, chairing the State Senate's Retirement and Insurance Committee and putting insurance policy at the center of his work.

That is the kind of record Oklahoma needs more of. In the Senate, Quinn:

  • Chaired the Senate Retirement and Insurance Committee, where insurance legislation is written and reviewed
  • Authored insurance-related legislation, including a consumer-protection measure (Senate Bill 298) opposed by out-of-state insurance interests
  • Worked to cut red tape, improve transparency, and hold the system accountable to consumers
  • Brought decades of real industry experience to the policy table rather than guesswork
The lesson from other states is clear: after adopting legal and litigation reforms, insurers like USAA returned nearly $1 billion to members as litigation costs fell. Oklahoma should learn from what has actually worked and demand the same for our families.

We need more leaders willing to do that work. Oklahoma families cannot afford to keep paying the highest rates in America while the problem goes unaddressed.

Add your voice.

Tell Oklahoma leaders it is time to lower our insurance rates. Sign up to stay informed about the fight for affordable insurance.

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