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The average car insurance cost in Broken Arrow, Oklahoma is $1,879 per year, according to 2022 Insure.com data. This is $82 more than the average auto insurance cost in Oklahoma and $197 more than the national average, as analyzed by Insure.com.

Average cost in Broken ArrowAverage cost in OklahomaNational average cost
$1,879$1,797$1,682

The rates can vary wildly depending on where they are filed. City demographics, including population density and average resident age, will affect how much money you spend on premiums which could make it cheaper or more expensive than other areas with different factors like accident rates, theft and vandalism rates, etc.

The article covers information on – the cheapest car insurance providers in Broken Arrow, the average car insurance rates by age, gender and how much is car insurance in Broken Arrow based on coverage limits. Whether you’re a new driver or have been driving for years, this article can help you find the best deal on cheap car insurance in Broken Arrow. Read on to learn more.

Cheap car insurance companies in Broken Arrow

Geico offers the cheapest car insurance in Broken Arrow, at an average of $1,039 per year with full coverage limits of 100/300/100.

The second cheapest company in Broken Arrow is USAA, offering car insurance rates at $1,154 per year. USAA offers car insurance only to members of the military, veterans and their immediate families.

As mentioned earlier, car insurance rates vary from one company to another because the factors used to calculate rates vary by insurer. Therefore, comparing quotes from multiple insurers is recommended to find cheap car insurance rates in Broken Arrow before deciding on the policy that matches your requirements.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Broken Arrow, Oklahoma:

Company NameAverage annual costAverage monthly cost
Geico$1,039$87
USAA$1,154$96
State Farm$1,403$117
Mercury Insurance$1,676$140
Shelter Insurance$1,798$150
Allstate$1,866$156
Progressive$2,325$194
Farmers Insurance$2,381$198
Oklahoma Farm Bureau$2,763$230

Read about the best car insurance companies for 2022.

Average car insurance cost in Broken Arrow by coverage limits

In Broken Arrow, the average car insurance rates based on coverage types are as follows:

  • State minimum coverage: $448 per year (limits are 25/50/25)
  • Liability only coverage: $676 per year (limits are 50/100/50)
  • Full coverage: $1,879 per year (limits are 100/300/100)
  • Non-owners coverage: $279 per year

In most states, drivers must have the state minimum coverage to drive legally, but these vary by state. However, state minimum coverage does not cover any vehicles listed on your policy in an at-fault accident.

To avoid compromising on the coverage and pay out-of-pocket expenses, it is better to have full coverage or non-owner coverage if you don’t own a car but borrow or rent one frequently.

Average car insurance rates by gender in Broken Arrow

The average car insurance rate for a female driver in Broken Arrow, Oklahoma, is $1,904 per year.

While the rate for a male driver is $1,879 per year, which is $25 less than what female drivers pay, according to a 2022 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 the highest for teens, at $7,399 per year or $617 per month. The rates are higher for teenagers (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road, according to the Insurance Information Institute. There are driving laws for teens to help them drive better. Also, teen insurance rates can be lowered by adding teens to a parent’s auto insurance policy.

Car insurance rates are bound to decrease as teens grow older and earn a good driving record. Young adults pay $3,313 per year for their car insurance which is $4086 less than what the teens pay for their insurance policy.

The car insurance rates in Broken Arrow for adult and senior drivers are $1,927 and $1,841 per year respectively.

The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.

Read more on auto insurance for seniors.

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

Age groupAverage annual rates
Teens (16- to 19-year-olds)$7,399
Young adults (20- to 24-year-olds)$3,313
Adults (25- to 55-year-olds)$1,927
Seniors (60- to 75-year-olds)$1,841

If we look at the car insurance rates trends in Broken Arrow, Oklahoma, it was on an upward swing from 2016 to 2019.

The table below shows the trend for three years:

2016 rates2019 rates2022 rates
$1,833$1,878$1,879

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, with the help of Quadrant Information Services, gathered data for car insurance rates in Broken Arrow, Oklahoma. The averages are rounded to their nearest sums. The data is based on the sample profile of a 40-year-old male driver who commutes 12 miles to work. All rates are based on the profile of a driver with a clean driving record, good insurance score, and full coverage policy.

The coverage limit for a full coverage policy is 100/300/100 liability with a $500 comprehensive and Collision deductible.

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