{"id":754033,"date":"2025-12-24T10:00:00","date_gmt":"2025-12-24T16:00:00","guid":{"rendered":"https:\/\/oklahomawatch.org\/?p=754033"},"modified":"2025-12-29T08:58:54","modified_gmt":"2025-12-29T14:58:54","slug":"are-oklahoma-home-insurance-rates-among-the-highest-in-the-nation","status":"publish","type":"post","link":"https:\/\/oklahomawatch.org\/2025\/12\/24\/are-oklahoma-home-insurance-rates-among-the-highest-in-the-nation\/","title":{"rendered":"Are Oklahoma home insurance rates among the highest in the nation?"},"content":{"rendered":"<div class=\"wp-block-custom-everlit-iframe-embed\"><iframe loading=\"lazy\" title=\"Everlit Audio Player\" src=\"https:\/\/everlit.audio\/embeds\/artl_maqp6tm69DK?client=wp&amp;client_version=2.6.0\" width=\"100%\" height=\"80px\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen=\"\"><\/iframe><\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-0dfbf163 wp-block-group-is-layout-flex\">\n\n<h2 class=\"wp-block-heading hideyesno\">Yes.<\/h2>\n\n<\/div>\n\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"771\" height=\"271\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2023\/11\/Yes.png?resize=771%2C271&amp;ssl=1\" alt=\"\" class=\"wp-image-731244\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2023\/11\/Yes.png?resize=771%2C271&amp;ssl=1 771w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2023\/11\/Yes.png?resize=336%2C118&amp;ssl=1 336w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2023\/11\/Yes.png?resize=768%2C270&amp;ssl=1 768w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2023\/11\/Yes.png?resize=400%2C140&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2023\/11\/Yes.png?resize=706%2C248&amp;ssl=1 706w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2023\/11\/Yes.png?w=940&amp;ssl=1 940w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2023\/11\/Yes-771x271.png?w=370&amp;ssl=1 370w\" sizes=\"auto, (max-width: 771px) 100vw, 771px\"><\/figure>\n<\/div>\n\n\n<p>Multiple sources consistently rank home insurance rates in Oklahoma as among the six most expensive, paying almost double the national average for $300,000 in dwelling coverage, according to a 2025 Bankrate report.<\/p>\n\n\n\n<p>Comparing the percentage of household income spent on homeowners insurance, Oklahoma\u2019s 6.84% is significantly higher than both the averages of its neighboring states and the national average of 2.41%.<\/p>\n\n\n\n<p>Despite Oklahoma Insurance Department Commissioner Glen Mulready\u2019s claim that the state\u2019s frequent hailstorms explain higher rates, an Oklahoma Watch investigation found the frequency of such weather events was not significantly different in neighboring states.<\/p>\n\n\n\n<p>Others cite the OID\u2019s laissez-faire approach to regulation. An Oklahoma statute has been taken to mean that the OID has no authority to challenge rates, though lawmakers have recently held studies to consider statutory revisions.<\/p>\n\n\n\n<p><em>This fact brief is responsive to conversations such as <a href=\"https:\/\/www.reddit.com\/r\/oklahoma\/comments\/1p6kb4v\/comment\/nqqx4sg\/?utm_source=share&amp;utm_medium=web3x&amp;utm_name=web3xcss&amp;utm_term=1&amp;utm_content=share_button\">this one<\/a>.<\/em><\/p>\n\n\n<p><em>Oklahoma Watch partners with <a href=\"https:\/\/gigafact.org\/\" target=\"_blank\" rel=\"noreferrer noopener\">Gigafact<\/a> to produce fact briefs \u2014 bite-sized fact checks of trending claims. <\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sources<\/h2>\n\n\n<ul><li>U.S. Census Bureau <a href=\"https:\/\/www.census.gov\/library\/stories\/2025\/06\/property-insurance.html\" target=\"_blank\">Property Insurance Costs Can be High in Every U.S. Region<\/a><\/li><li>Bankrate <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/states\/\" target=\"_blank\">Home insurance rates by state for December 2025<\/a><\/li><li>Oklahoma Watch <a href=\"https:\/\/oklahomawatch.org\/2025\/05\/15\/hail-no-hail-storms-do-not-explain-oklahomas-outrageous-homeowners-insurance-rates\/\" target=\"_blank\">Hail No! Hail Storms Do Not Explain Oklahoma\u2019s Outrageous Homeowners\u2019 Insurance Rates<\/a><\/li><li>Oklahoma Watch <a href=\"https:\/\/oklahomawatch.org\/2025\/10\/27\/lawmakers-get-earful-as-oklahoma-home-insurance-rates-skyrocket\/\" target=\"_blank\">Lawmakers Get Earful As Oklahoma Home Insurance Rates Skyrocket<\/a><\/li><li>Oklahoma Watch <a href=\"https:\/\/oklahomawatch.org\/2025\/11\/20\/lawmakers-ag-challenge-insurance-commissioners-competitive-market-claims\/\" target=\"_blank\">Lawmakers, AG Challenge Insurance Commissioner\u2019s Competitive Market Claims<\/a><\/li><\/ul>\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<iframe src=\"https:\/\/gigafact.org\/quiz\/oklahoma-watch\/default-7777\/\" style=\"width: 100%; height: 600px; border: none;\" allowfullscreen loading=\"lazy\"><\/iframe>\n<\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2628455,"featured_media":754034,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"gigafact_has_fact_brief":true,"gigafact_remote_fact_brief_post_id":12345,"gigafact_remote_sync_timestamp":"1767020331","gigafact_remote_sync_status":"Success","gigafact_remote_sync_response":"{\"statusCode\":200,\"message\":\"Fact brief saved successfully\",\"post_id\":12345}","gigafact_has_been_published":true,"newspack_ads_suppress_ads":false,"newspack_popups_has_disabled_popups":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"everlit_article_id":"artl_maqp6tm69DK","everlit_hide_embed":false,"everlit_embed_size":"","everlit_generation_settings":{"primary_voice":"65","guest_voice":"48","default_sonic_optimization":false,"default_conversation_mode":false,"default_read_alt_text":false,"default_read_urls":false,"default_read_author_byline":false,"default_publication":"pblc_lV8RK9ULW4x","language":"en-US","intro_mixable":3,"outro_mixable":3,"intro_duration":15,"outro_duration":15,"intro_padding":3,"outro_padding":4,"default_skip_article_image":false,"skip_auto_generation":false,"disable_music":false,"disclaimer":"","disclaimer_voice":"","is_for_subscriber":false,"embed_ui_cover_art":true,"embed_ui_title_intro":"","embed_ui_title_icon":""},"_everlit_article_id":"","_everlit_hide_embed":false,"_everlit_embed_size":"","_everlit_generation_settings":[],"_everlit_content_hash":"","_everlit_metadata_hash":"c0ba0bd02af8e78e3179baff758898f8","_newspack_byline_active":false,"_newspack_byline":"","newspack_featured_image_position":"hidden","newspack_post_subtitle":"","newspack_article_summary_title":"Overview:","newspack_article_summary":"","newspack_hide_updated_date":false,"newspack_show_updated_date":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[20019],"tags":[21314,20414],"series":[20017],"coauthors":[20632],"class_list":["post-754033","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fact-briefs","tag-impact-hail","tag-insurance","series-fact-briefs","entry"],"fact_brief":{"destination_url":"https:\/\/oklahomawatch.org\/2025\/12\/24\/are-oklahoma-home-insurance-rates-among-the-highest-in-the-nation\/","domain_name":"https:\/\/oklahomawatch.org","factbrief_corrections":"","factbrief_details":"<p>Multiple sources consistently rank home insurance rates in Oklahoma as among the six most expensive, paying almost double the national average for $300,000 in dwelling coverage, according to a 2025 Bankrate report.<\/p><p>Comparing the percentage of household income spent on homeowners insurance, Oklahoma\u2019s 6.84% is significantly higher than both the averages of its neighboring states and the national average of 2.41%.<\/p><p>Despite Oklahoma Insurance Department Commissioner Glen Mulready\u2019s claim that the state\u2019s frequent hailstorms explain higher rates, an Oklahoma Watch investigation found the frequency of such weather events was not significantly different in neighboring states.<\/p><p>Others cite the OID\u2019s laissez-faire approach to regulation. An Oklahoma statute has been taken to mean that the OID has no authority to challenge rates, though lawmakers have recently held studies to consider statutory revisions.<\/p>","featured_image":"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Fact-Briefs-for-web-600-x-450-px-5.png?fit=400%2C300&ssl=1","long_form_article_url":"","newsroom_name":"Oklahoma Watch","post_archive_url":"https:\/\/www.reddit.com\/r\/oklahoma\/comments\/1p6kb4v\/comment\/nqqx4sg\/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button","post_date":"2025-12-24T10:00:00-06:00","post_id":"754033","post_original_thread":"https:\/\/www.reddit.com\/r\/oklahoma\/comments\/1p6kb4v\/comment\/nqqx4sg\/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button","post_slug":"are-oklahoma-home-insurance-rates-among-the-highest-in-the-nation","post_time":"2025-12-24T16:00:00+00:00","post_title":"Are Oklahoma home insurance rates among the highest in the nation?","post_yes_no":"Yes","publish_status":"publish","published_url":"https:\/\/oklahomawatch.org\/2025\/12\/24\/are-oklahoma-home-insurance-rates-among-the-highest-in-the-nation\/","sources":[{"organizationName":"U.S. Census Bureau","sourceName":"Property Insurance Costs Can be High in Every U.S. Region","sourceUrl":"https:\/\/www.census.gov\/library\/stories\/2025\/06\/property-insurance.html"},{"organizationName":"Bankrate","sourceName":"Home insurance rates by state for December 2025","sourceUrl":"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/states\/"},{"organizationName":"Oklahoma Watch","sourceName":"Hail No! Hail Storms Do Not Explain Oklahoma\u2019s Outrageous Homeowners\u2019 Insurance Rates","sourceUrl":"https:\/\/oklahomawatch.org\/2025\/05\/15\/hail-no-hail-storms-do-not-explain-oklahomas-outrageous-homeowners-insurance-rates\/"},{"organizationName":"Oklahoma Watch","sourceName":"Lawmakers Get Earful As Oklahoma Home Insurance Rates Skyrocket","sourceUrl":"https:\/\/oklahomawatch.org\/2025\/10\/27\/lawmakers-get-earful-as-oklahoma-home-insurance-rates-skyrocket\/"},{"organizationName":"Oklahoma Watch","sourceName":"Lawmakers, AG Challenge Insurance Commissioner\u2019s Competitive Market Claims","sourceUrl":"https:\/\/oklahomawatch.org\/2025\/11\/20\/lawmakers-ag-challenge-insurance-commissioners-competitive-market-claims\/"}],"tags":[],"tip_id":0,"should_email_tip_submitter_on_first_publish":true,"post_author_email":"myim@oklahomawatch.org","post_author":{"display_name":"Matthew Yim","first_name":"Matthew","last_name":"Yim","middle_name":"","username":"myim@oklahomawatch.org"}},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Are Oklahoma home insurance rates among the highest in the nation? - Oklahoma Watch<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/oklahomawatch.org\/2025\/12\/24\/are-oklahoma-home-insurance-rates-among-the-highest-in-the-nation\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Are Oklahoma home insurance rates among the highest in the nation? - Oklahoma Watch\" \/>\n<meta property=\"og:url\" content=\"https:\/\/oklahomawatch.org\/2025\/12\/24\/are-oklahoma-home-insurance-rates-among-the-highest-in-the-nation\/\" \/>\n<meta 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