Oklahoma homeowners insurance rate filings
Updated
FiledRates tracks Oklahoma homeowners rate filings from the Oklahoma Insurance Department's monthly rate change reports. Oklahoma is a use-and-file state, so these filings have a filed overall change rather than an approval decision.
| Filing | SERFF tracking number | Filed change | Change | Effective, new policies | Effective, renewals |
|---|---|---|---|---|---|
| American Strategic Insurance Corp. | AMSI-134962713 | +54.3% | Aug. 21, 2026 | Oct. 21, 2026 | |
| Central Insurance Company | CEMC-134658745 | +19.7% | Dec. 1, 2025 | Jan. 1, 2026 | |
| Branch Insurance Exchange | BRFI-134899562 | −15.0% | April 10, 2026 | May 25, 2026 | |
| Stillwater Insurance Company | FDLY-134806841 | +15.1% | Feb. 13, 2026 | March 20, 2026 |
Oklahoma homeowners filings in 2025 and 2026
The department's homeowners reports list the rate changes filed in each period. In 2026 so far, a smaller share of non-zero changes were increases (40 of 56, against 55 of 62 in 2025), and the median change was smaller.
| Measure | 2025 | Jan.–Sept. 2026 |
|---|---|---|
| Company filings listed | 98 | 82 |
| With a non-zero overall change | 62 | 56 |
| Increases | 55 | 40 |
| Decreases | 7 | 16 |
| Median non-zero change | +7.8% | +4.9% |
| Largest increase | +31.9% | +54.3% |
Sources: OID homeowners report, 2025; OID homeowners report, Jan. 1 to Sept. 30, 2026. Computed by FiledRates on Oct. 7, 2026. The 2025 largest increase is American Modern Property and Casualty Insurance Company's AMMH-134604158.
How Oklahoma reviews homeowners rates
Oklahoma is a use-and-file state. Insurers can start using new rates before filing them and must file rates and supporting information no later than 30 days after the effective date. The department says that because Oklahoma's homeowners market is considered competitive, no rate may be deemed excessive, and it cannot disapprove a rate for being too high. It can disapprove rates that are unfairly discriminatory or inadequate.
House Bill 3781, approved by the Governor on May 12, 2026, takes effect July 1, 2027. It requires rates to be filed 30 days before they take effect and requires the department to post on its website notice of homeowners, dwelling fire, and private passenger auto rate increases with their overall percentages.
How to look up Oklahoma filings yourself
The department publishes monthly summaries of property and casualty rate changes. The homeowners reports list each filing's company, SERFF tracking number, requested effective dates, and overall rate impact. The department notes that rate filings are reviewed under Oklahoma law and do not constitute rate-setting by the department.
Sources: OID, Insurer rates in Oklahoma; HB 3781 history and enrolled text. See also all tracked states.