Best Broken Arrow, Oklahoma Auto Insurance in 2024
The average Broken Arrow, OK auto insurance rates are $385 per month. The minimum auto insurance in Broken Arrow is at least 25/50/25 in coverage to comply with Oklahoma auto insurance laws. To find the best cheap auto insurance in Broken Arrow, Oklahoma, compare quotes from multiple companies.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Sep 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Broken Arrow, OK for senior drivers are $2,647 per year
- The average commute length in Broken Arrow is 21.1 minutes
- The most expensive auto insurance company in Broken Arrow for teen drivers is Liberty Mutual
Broken Arrow, Oklahoma auto insurance requirements are 25/50/25 according to Oklahoma auto insurance laws. Finding cheap auto insurance in Broken Arrow can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Broken Arrow, Oklahoma, including driving record, credit, commute time, and more.
Compare auto insurance in Broken Arrow to other Oklahoma cities, including Lawton auto insurance rates, Stillwater auto insurance rates, and Broken Arrow auto insurance rates to see how Broken Arrow, Oklahoma auto insurance rates stack up.
Before you buy Broken Arrow, Oklahoma auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Broken Arrow, Oklahoma auto insurance quotes.
Minimum Auto Insurance in Broken Arrow, Oklahoma
Broken Arrow, Oklahoma auto insurance laws require that you have at least the Oklahoma minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Broken Arrow, Oklahoma.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Broken Arrow, Oklahoma Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Broken Arrow, Oklahoma are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,566 | $2,568 | $2,376 | $2,493 | $8,139 | $9,582 | $2,754 | $2,895 |
| Farmers | $2,504 | $2,480 | $2,241 | $2,382 | $10,109 | $10,368 | $2,842 | $2,950 |
| Geico | $2,326 | $2,570 | $2,527 | $2,895 | $7,125 | $7,608 | $2,041 | $2,047 |
| Liberty Mutual | $4,969 | $5,260 | $4,366 | $4,787 | $14,750 | $16,258 | $5,161 | $5,335 |
| Progressive | $3,133 | $2,963 | $2,586 | $2,744 | $12,649 | $14,153 | $3,655 | $3,809 |
| State Farm | $2,057 | $2,057 | $1,836 | $1,836 | $5,825 | $7,312 | $2,180 | $2,463 |
| USAA | $2,058 | $2,048 | $1,990 | $1,996 | $6,786 | $7,544 | $2,638 | $2,877 |
Cheap Broken Arrow, Oklahoma Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Broken Arrow, Oklahoma is a challenge. Take a look at the annual teen auto insurance rates in Broken Arrow, Oklahoma.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,139 | $9,582 |
| Farmers | $10,109 | $10,368 |
| Geico | $7,125 | $7,608 |
| Liberty Mutual | $14,750 | $16,258 |
| Progressive | $12,649 | $14,153 |
| State Farm | $5,825 | $7,312 |
| USAA | $6,786 | $7,544 |
Cheap Broken Arrow, Oklahoma Auto Insurance for Seniors
What are senior auto insurance rates in Broken Arrow, Oklahoma? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,376 | $2,493 |
| Farmers | $2,241 | $2,382 |
| Geico | $2,527 | $2,895 |
| Liberty Mutual | $4,366 | $4,787 |
| Progressive | $2,586 | $2,744 |
| State Farm | $1,836 | $1,836 |
| USAA | $1,990 | $1,996 |
Cheap Broken Arrow, Oklahoma Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Broken Arrow, Oklahoma compared to the annual auto insurance rates with a clean record in Broken Arrow, Oklahoma.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,571 | $4,193 | $4,888 | $4,036 |
| Farmers | $3,777 | $4,877 | $4,759 | $4,524 |
| Geico | $2,624 | $4,073 | $4,594 | $3,278 |
| Liberty Mutual | $5,087 | $8,605 | $9,719 | $7,030 |
| Progressive | $4,442 | $8,284 | $4,907 | $5,213 |
| State Farm | $2,931 | $3,460 | $3,196 | $3,196 |
| USAA | $2,570 | $3,713 | $4,519 | $3,167 |
Cheap Broken Arrow, Oklahoma Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Broken Arrow, Oklahoma is not easy. Compare the annual rates for DUI auto insurance in Broken Arrow, Oklahoma to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,888 |
| Farmers | $4,759 |
| Geico | $4,594 |
| Liberty Mutual | $9,719 |
| Progressive | $4,907 |
| State Farm | $3,196 |
| USAA | $4,519 |
Cheap Broken Arrow, Oklahoma Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Broken Arrow, Oklahoma annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,155 | $3,913 | $3,446 |
| Farmers | $5,137 | $4,264 | $4,052 |
| Geico | $4,390 | $3,642 | $2,894 |
| Liberty Mutual | $10,892 | $6,696 | $5,245 |
| Progressive | $6,466 | $5,524 | $5,144 |
| State Farm | $4,455 | $2,845 | $2,286 |
| USAA | $5,144 | $2,962 | $2,371 |
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Cheap Broken Arrow, Oklahoma Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Broken Arrow, Oklahoma can vary. Compare the annual cost of auto insurance by ZIP code in Broken Arrow, Oklahoma to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 74011 | $4,647 |
| 74012 | $4,647 |
| 74014 | $4,591 |
Cheap Broken Arrow, Oklahoma Auto Insurance Rates By Commute
Commute length and annual mileage affect Broken Arrow, Oklahoma auto insurance. Find the cheapest annual Broken Arrow, Oklahoma auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,172 | $4,172 |
| Farmers | $4,484 | $4,484 |
| Geico | $3,578 | $3,706 |
| Liberty Mutual | $7,611 | $7,611 |
| Progressive | $5,712 | $5,712 |
| State Farm | $3,141 | $3,250 |
| USAA | $3,450 | $3,534 |
Cheap Broken Arrow, Oklahoma Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Broken Arrow, Oklahoma? Check out the comparison of annual Broken Arrow, Oklahoma auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,915 | $4,155 | $4,446 |
| Farmers | $4,259 | $4,424 | $4,770 |
| Geico | $3,355 | $3,652 | $3,919 |
| Liberty Mutual | $7,178 | $7,582 | $8,071 |
| Progressive | $5,254 | $5,672 | $6,210 |
| State Farm | $2,973 | $3,175 | $3,439 |
| USAA | $3,330 | $3,481 | $3,666 |
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Best By Category: Cheapest Auto Insurance in Broken Arrow, Oklahoma
Compare the cheapest auto insurance companies in Broken Arrow, Oklahoma in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | USAA |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Broken Arrow, Oklahoma Auto Insurance Companies
What auto insurance companies in Broken Arrow, Oklahoma are the cheapest? Compare the top Broken Arrow, Oklahoma auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,172 |
| Farmers | $4,484 |
| Geico | $3,642 |
| Liberty Mutual | $7,611 |
| Progressive | $5,712 |
| State Farm | $3,196 |
| USAA | $3,492 |
What affects auto insurance rates in Broken Arrow, Oklahoma?
There are a lot of reasons why auto insurance rates in Broken Arrow, Oklahoma are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Broken Arrow, Oklahoma. Many local factors may affect your Broken Arrow auto insurance rates.
Broken Arrow Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Broken Arrow, Oklahoma commute length is 21.1 minutes according to City-Data.
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Compare Broken Arrow, Oklahoma Auto Insurance Quotes
Before you buy Broken Arrow, Oklahoma auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Broken Arrow, Oklahoma auto insurance quotes.
Frequently Asked Questions
What is auto insurance and why is it important in Broken Arrow, OK?
Auto insurance is a contract between you and an insurance company that provides financial protection in case of vehicle damage, theft, or injuries resulting from an accident. In Broken Arrow, OK, having auto insurance is not only important but also mandatory. It helps cover the costs associated with accidents, repairs, medical bills, and legal liabilities.
What are the minimum auto insurance requirements in Broken Arrow, OK?
In Broken Arrow, OK, the minimum auto insurance requirements are as follows:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
It’s important to note that these are the minimum requirements, and it’s often recommended to consider higher coverage limits to provide better protection in case of an accident.
Are there any additional auto insurance coverages that I should consider in Broken Arrow, OK?
While the minimum required coverage is essential, additional coverages can provide more comprehensive protection. Some optional auto insurance coverages you may consider in Broken Arrow, OK, include:
- Collision coverage: Helps pay for repairs or replacement of your vehicle if it’s damaged in a collision, regardless of who is at fault.
- Comprehensive coverage: Covers damages to your vehicle caused by incidents other than collisions, such as theft, vandalism, fire, or natural disasters.
- Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough coverage to pay for damages or injuries.
- Medical payments coverage: Covers medical expenses for you and your passengers in the event of an accident, regardless of who is at fault.
How can I find affordable auto insurance in Broken Arrow, OK?
To find affordable auto insurance in Broken Arrow, OK, consider the following tips:
- Shop around and compare quotes from multiple insurance companies.
- Maintain a good driving record and avoid traffic violations.
- Opt for higher deductibles, as it can lower your premium.
- Bundle your auto insurance with other policies, such as home insurance, to potentially receive discounts.
- Ask your insurance provider about any available discounts, such as safe driver discounts or discounts for certain safety features in your vehicle.
What factors can affect my auto insurance premium in Broken Arrow, OK?
Several factors can influence your auto insurance premium in Broken Arrow, OK. Some of the key factors include:
- Your driving record and history of accidents or traffic violations.
- The type of vehicle you drive, including its make, model, and age.
- Your age, as younger and inexperienced drivers often face higher premiums.
- Your credit history, as insurance companies may consider it as a risk factor.
- The coverage options you choose, deductibles, and coverage limits.
- The average cost of claims and accidents in your area.
How can I file an auto insurance claim in Broken Arrow, OK?
If you need to file an auto insurance claim in Broken Arrow, OK, follow these general steps:
- Contact your insurance company as soon as possible after the accident.
- Provide accurate and detailed information about the incident, including the date, time, location, and a description of what happened.
- Cooperate with the insurance company’s claim adjuster, who will guide you through the process and help evaluate the damages.
- Provide any necessary documentation, such as police reports, medical bills, or repair estimates.
- Keep records of all communication with your insurance company and any other involved parties.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.