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The average car insurance cost in Broken Arrow, Oklahoma is $2,225 per year, according to Insure.com data analysis. Also, the car insurance rates in Broken Arrow is $87 more than the average rates in Oklahoma and $330 more than the national average.

Graph
Table
City average ratesState average ratesNational average cost
$2,225$2,138$1,895

Most insurance providers consider factors such as location, city demographics, population density, and average resident age, accident rates, theft and vandalism rates while determining your car insurance premium. This may lead to either lower or higher costs compared to other regions.

This article provides details on the most and least expensive car insurance companies in Broken Arrow, the average car insurance rates categorized by age and gender, and the cost of car insurance in Broken Arrow based on coverage limits. Whether you’re a new driver or an experienced driver, this article will help you find the most cost-effective auto insurance in Broken Arrow. Read on to learn more.

Key Takeaways

  • Car insurance costs $2,225 per year, on average, in Broken Arrow.
  • Progressive offers the cheapest car insurance in Broken Arrow, at an average of $1,199 per year.
  • Young adults pay $3,513 per year for car insurance in Broken Arrow.

Cheap car insurance companies in Broken Arrow

Progressive provides the best value for car insurance in Broken Arrow with coverage limits of 100/300/100, costing $1,199 annually.

A close second is Geico, which offers car insurance at $1,781 per year.

Affordable car insurance providers in Broken Arrow

Graph
Table
Company NameAverage annual costAverage monthly cost
Progressive$1,199$100
Geico$1,781$148
State Farm$1,845$154
Shelter Insurance$2,153$179
AFR Insurance$2,300$192
Mercury Insurance$2,347$196
Allstate$2,781$232
Farmers$2,865$239
Oklahoma Farm Bureau$3,447$287
USAA$1,535$128

Read about the best car insurance companies.

Average car insurance cost in Broken Arrow by coverage limits

The average car insurance rates in Broken Arrow by coverage type are as follows:

  • State minimum coverage: $520 per year (limits of 25/50/25)
  • Liability-only coverage: $800 per year (limits of 50/100/50)
  • Full coverage: $2,225 per year (limits of 100/300/100)
  • Non-owners coverage: $301 per year

In many states, drivers are legally required to maintain state minimum coverage. However, these requirements vary by state. However, the state minimum coverage does not protect vehicles listed on your policy in an at-fault accident.

It’s advisable to choose full coverage to avoid the risk of inadequate coverage and out-of-pocket expenses. You can also choose non-owners coverage if you often borrow or rent vehicles and don’t own one yourself.

Average car insurance rates by gender in Broken Arrow

The average car insurance rate for a female driver in Broken Arrow, Oklahoma, is $2,245 per year.

While the rate for a male driver is $2,205 per year, which is $40 less than what female drivers pay, according to a rate analysis by Insure.com.

Women are considered to be safer drivers than men, and statistics have proved this, according to the Insurance Information Institute. They often pay less for auto insurance because of their lower rate of severe accidents than men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Broken Arrow

In Broken Arrow, car insurance rates are highest for teens, averaging $6,984 per year or $582 per month. According to the Insurance Information Institute, these higher rates for 16- to 19-year-olds are due to their increased likelihood of road accidents due to their lack of driving experience.

Specific teen driving laws have been implemented to help them become better drivers. Additionally, parents can lower teen insurance rates by adding them to their existing auto insurance policy.

As teens grow older and build a positive driving history, their car insurance rates decrease. Young adults usually pay $3,513 annually for their car insurance, which is $3,471 less than what teens pay for their coverage.

In Broken Arrow, adult drivers pay an average of $2,213 per year for car insurance, while senior drivers pay $2,192 annually.

According to the Insurance Information Institute, rates for adults and seniors are significantly lower than for teens and young adults, as they are more likely to obey speed limits and follow road rules.

Read more on auto insurance for seniors.

The table below lists the average annual rates for drivers of different age groups:

Car insurance rates by age groups in Broken Arrow

Graph
Table
Teens (16- to 19-year-olds)Young adults (20- to 24-year-olds)Adults (25- to 55-year-olds)Seniors (60- to 75-year-olds)
$6,984$3,513$2,213$2,192

Examining the trends in car insurance rates in Broken Arrow, Oklahoma it was on an upward swing from 2022 to 2023. From 2022 to 2023 rates increase overall by 18%, or $334.

The table below shows the trend for last four years:

How car insurance rates are changing in Broken Arrow

Graph
Table
2016 rates2019 rates2022 rates2023 rates
$1,850$1,913$1,891$2,225

Conclusion

In conclusion, the insurance rates in Broken Arrow, are higher than the average insurance cost in Oklahoma. Shopping around and taking advantage of available discounts, drivers in Broken Arrow can find affordable car insurance options. Additionally, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

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Prachi Singh
Contributing Researcher

 
  

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.

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