Oklahoma Title Insurance Cost: What an Owner's and Lender's Policy Costs
An owner's title insurance policy on a $256,700 Oklahoma home costs about $1,029, and the lender's policy issued with it about $50, under the filed rate schedule. The owner's policy premium comes from the rate table in the filed manual (a fixed dollar amount per price bracket).
Oklahoma title insurance by purchase price
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $754 | $50 | $804 |
| $200,000 | $895 | $50 | $945 |
| $250,000 | $1,007 | $50 | $1,057 |
| $300,000 | $1,119 | $50 | $1,169 |
| $350,000 | $1,232 | $50 | $1,282 |
| $400,000 | $1,344 | $50 | $1,394 |
| $450,000 | $1,457 | $50 | $1,507 |
| $500,000 | $1,569 | $50 | $1,619 |
| $600,000 | $1,794 | $50 | $1,844 |
| $700,000 | $2,019 | $50 | $2,069 |
| $800,000 | $2,244 | $50 | $2,294 |
| $1,000,000 | $2,694 | $50 | $2,744 |
Oklahoma uses filed rates: each underwriter files its own rate manual with the state insurance department, so premiums differ by a few hundred dollars from one title company to another. The schedule below is one underwriter's filed rate. Schedule shown: Old Republic Title (Old Republic National Title Insurance Co.).
Oklahoma title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Oklahoma rate schedule.
Who pays for the owner's policy
Who pays for the owner's policy in Oklahoma is negotiable in the purchase contract. Source
When the owner's and lender's policies are issued together at closing, the lender's policy is charged at the reduced simultaneous-issue rate (a flat $50); that is the lender figure used on this page.
Title insurance at the county median price
The rate schedule is statewide; what changes from county to county is the home price. The ten most populous counties are shown; every Oklahoma county is in the list below.
| County | Median home price | Owner's policy |
|---|---|---|
| Canadian County | $230,300 | $984 |
| Cleveland County | $222,800 | $962 |
| Comanche County | $154,300 | $782 |
| Creek County | $170,900 | $838 |
| Oklahoma County | $207,800 | $917 |
| Payne County | $217,700 | $939 |
| Pottawatomie County | $155,700 | $782 |
| Rogers County | $222,200 | $962 |
| Tulsa County | $213,500 | $939 |
| Wagoner County | $216,000 | $939 |
All 77 Oklahoma counties
- Adair County
- Alfalfa County
- Atoka County
- Beaver County
- Beckham County
- Blaine County
- Bryan County
- Caddo County
- Canadian County
- Carter County
- Cherokee County
- Choctaw County
- Cimarron County
- Cleveland County
- Coal County
- Comanche County
- Cotton County
- Craig County
- Creek County
- Custer County
- Delaware County
- Dewey County
- Ellis County
- Garfield County
- Garvin County
- Grady County
- Grant County
- Greer County
- Harmon County
- Harper County
- Haskell County
- Hughes County
- Jackson County
- Jefferson County
- Johnston County
- Kay County
- Kingfisher County
- Kiowa County
- Latimer County
- Le Flore County
- Lincoln County
- Logan County
- Love County
- Major County
- Marshall County
- Mayes County
- McClain County
- McCurtain County
- McIntosh County
- Murray County
- Muskogee County
- Noble County
- Nowata County
- Okfuskee County
- Oklahoma County
- Okmulgee County
- Osage County
- Ottawa County
- Pawnee County
- Payne County
- Pittsburg County
- Pontotoc County
- Pottawatomie County
- Pushmataha County
- Roger Mills County
- Rogers County
- Seminole County
- Sequoyah County
- Stephens County
- Texas County
- Tillman County
- Tulsa County
- Wagoner County
- Washington County
- Washita County
- Woods County
- Woodward County
Title insurance in Oklahoma cities
| City | Median home price | Owner's policy |
|---|---|---|
| Oklahoma City | $215,100 | $939 |
| Tulsa | $189,600 | $866 |
| Norman | $239,300 | $984 |
| Broken Arrow | $229,300 | $962 |
| Edmond | $324,900 | $1,232 |
| Lawton | $134,200 | $720 |
| Moore | $189,300 | $866 |
| Midwest City | $158,400 | $782 |
| Enid | $143,500 | $754 |
What the two policies cover
The owner's policy protects your equity against title defects that predate your purchase: undisclosed liens, forged deeds, missing heirs, recording errors. The lender's policy protects only the mortgage lender for the loan amount and is required by nearly every lender. Premiums are one-time and paid at closing. Because underwriters file competing rates, getting two quotes at your purchase price is worth a few hundred dollars.
Frequently asked questions
How much is title insurance in Oklahoma?
On a $256,700 home, the Oklahoma median, an owner's title policy costs about $1,029 under the filed rate schedule, and the lender's policy issued with it costs $50, so both policies together are about $1,079. The premium rises with the purchase price; the table on this page shows it from $150,000 to $1,000,000.
Who pays for title insurance in Oklahoma?
Who pays for the owner's policy in Oklahoma is negotiable in the purchase contract. Source
Is title insurance a one-time cost?
Yes. Both the owner's policy and the lender's policy are paid once at closing and cover the property for as long as you (or your lender) hold an interest in it. There are no annual premiums.
Can I shop for title insurance in Oklahoma?
Yes. Oklahoma underwriters file their own rate manuals, so premiums differ by company; ask two or three title companies for a quote at your price and compare their settlement fees as well.
Sources
- Old Republic Title, Oklahoma Residential Fee Sheet (Oklahoma, Canadian & Cleveland Counties), effective January 2024
- Who pays for the owner's policy in Oklahoma
Rates as filed or promulgated, checked September 22, 2026. Premiums are computed from the schedule above and rounded to the dollar; endorsements, settlement fees and search fees are separate. All sources.
See all Oklahoma buyer closing costs →
Premiums are computed from the rate schedule cited above and rounded to the dollar; your title company's quote may add endorsements, search and settlement fees. This is general information, not financial advice.
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