Cheapest Car Insurance Quotes In Broken Arrow, OK For 2024
State Farm is the most affordable option in Broken Arrow, with an average rate of $23 per month.
When searching for the most affordable car insurance in Broken Arrow, Oklahoma, options can vary significantly, but one company stands out for its competitive rates: State Farm. On average, residents can obtain car insurance for about $23 per month, significantly lower than the state’s average of $120.
For those interested in the most economical liability-only coverage, State Farm emerges as the top choice. Meanwhile, drivers seeking more comprehensive protection find that State Farm offers the best rates for full coverage policies, priced at $56 a month. Additionally, State Farm provides the cheapest rates for young drivers, starting at $134 per month.
Cheapest Car Insurance Companies In Broken Arrow, OK
Our Methodology
Based on a thorough analysis covering customer service ratings, product offerings, pricing, and a detailed review of various online platforms and user feedback, I've developed a comprehensive understanding of the car insurance provider landscape in Broken Arrow, Oklahoma. This perspective is informed by over 15 years of direct involvement in the industry as a licensed insurance agent. It's refined through numerous interactions with representatives from different companies and insights gained from firsthand experience.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
How Much Is Car Insurance In Broken Arrow, OK?
State Farm provides the most affordable car insurance in Broken Arrow, Oklahoma, with coverage available for $128 per month.
As illustrated in the table below, its rates are notably lower than the average rate in both the State of Oklahoma and the United States as a whole:
| Area | Average Monthly Rate |
| National | $152 |
| Oklahoma | $120 |
| Broken Arrow, OK | $128 |
It’s important to note that the average national cost encompasses both high-cost states, like New York, New Jersey, and California, as well as low-cost states such as Mississippi, Kentucky, and Wyoming. Rates vary by location due to various factors, including vehicle type, coverage amount, zip code, driving record, and more.
Cheapest Car Insurance Rates In Broken Arrow For Minimum Coverage
State Farm offers the most affordable car insurance for minimum coverage in Broken Arrow, with an average monthly cost of $23.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $23 | $274 |
| Farmers | $42 | $500 |
| Mercury | $43 | $514 |
| GEICO | $48 | $574 |
| Allstate | $49 | $581 |
A minimum car insurance policy should include at least the following coverages:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage per accident
Having minimum car insurance offers some protection while driving, but it doesn’t include collision or comprehensive insurance. This means damages to your own vehicle in accidents or incidents like theft and natural disasters won’t be covered.
Driving without insurance is illegal in Oklahoma. If you can’t show proof of insurance during a traffic stop, you could face penalties ranging from fines to license suspension or worse.
Cheapest Car Insurance Rates In Broken Arrow For Full Coverage
State Farm provides the most budget-friendly car insurance rates for full coverage in Broken Arrow, with quotes averaging $56 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $56 | $670 |
| GEICO | $95 | $1,141 |
| Farmers | $103 | $1,238 |
| Shelter | $110 | $1,314 |
| Farm Bureau | $111 | $1,326 |
Full coverage car insurance offers comprehensive protection that extends beyond the basic coverage required by law. This insurance typically combines comprehensive and collision coverages.
Comprehensive coverage protects against non-collision incidents such as theft, vandalism, or natural disasters, while collision coverage provides financial protection for vehicle damages resulting from accidents, regardless of fault.
Cheapest Car Insurance Rates In Broken Arrow For Seniors
State Farm offers the most affordable car insurance rates for seniors in Broken Arrow, with average quotes at $50 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $50 | $598 |
| GEICO | $92 | $1,095 |
| Progressive | $93 | $1,107 |
| Mercury | $101 | $1,213 |
| Farm Bureau | $104 | $1,249 |
In Oklahoma, numerous seniors may discover favorable car insurance rates, influenced by several advantageous factors. While age often plays a role in determining insurance rates, with older age sometimes linked to reduced driving ability, this stereotype doesn’t apply universally.
Cheapest Car Insurance Rates In Broken Arrow For Teenagers
Teenage drivers in Broken Arrow can secure the most affordable quotes from Allstate, with average monthly premiums of $168.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $172 | $2,057 |
| GEICO | $223 | $2,675 |
| Farmers | $234 | $2,806 |
| Progressive | $178 | $2,139 |
| Allstate | $168 | $2,016 |
Teenage drivers typically encounter the highest car insurance premiums, primarily due to their lack of experience behind the wheel. Insurance providers categorize these young motorists as a high-risk group because they are statistically more likely to be involved in accidents and commit traffic infractions.
Cheapest Car Insurance Rates In Broken Arrow For Young Adults
For young adults in Broken Arrow, State Farm provides the most affordable car insurance quotes, with rates averaging around $135 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $135 | $1,612 |
| GEICO | $187 | $2,236 |
| Farmers | $195 | $2,341 |
| Allstate | $144 | $1,729 |
| Progressive | $187 | $2,244 |
In Oklahoma, young adult drivers generally enjoy lower car insurance rates compared to their teenage counterparts. This difference in pricing is attributed to the maturation of driving habits and a corresponding decrease in risk-taking behaviors as drivers age.
Statistically, young adults are less inclined to file claims with insurance companies, reflecting a reduction in accident involvement. As a result, insurers adjust premiums downward, acknowledging the improved safety records and decreased likelihood of claims from these more experienced drivers.
Cheapest Car Insurance Rates In Broken Arrow For Good Drivers
Good drivers in Broken Arrow can find the most affordable car insurance quotes from State Farm, with rates averaging around $23 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $23 | $274 |
| Farmers | $42 | $500 |
| Mercury | $43 | $514 |
| GEICO | $48 | $574 |
| Allstate | $49 | $581 |
Drivers with clean driving records in Broken Arrow typically receive lower car insurance rates because they’re perceived as lower risk. Insurance companies use driving records to assess how safely someone drives. Fewer incidents, such as accidents or traffic violations, indicate cautious driving behavior and a reduced likelihood of filing a claim.
Since insurers base their rates on the likelihood of a driver making a claim, a spotless driving record can lead to significant savings on premiums. It’s all about risk assessment – the cleaner the record, the lower the perceived risk, and therefore, the lower the insurance cost.
Cheapest Car Insurance Rates In Broken Arrow For Drivers With Prior Incidents
In Broken Arrow, drivers with records of traffic violations, including accidents, speeding, or DUIs, often encounter challenges in obtaining affordable car insurance. Such driving infractions lead insurance companies to classify them as high-risk, indicating a higher likelihood of filing future insurance claims.
As a result, insurance providers increase their rates for these individuals to offset the risk of facing higher claim payouts.
Cheapest Car Insurance Rates In Broken Arrow For Drivers With A Speeding Ticket
State Farm offers very competitive rates compared to other companies, with average rates of $113 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $190 | $2,278 |
| Farm Bureau | $193 | $2,314 |
| Allstate | $234 | $2,806 |
| State Farm | $113 | $1,354 |
| Shelter | $186 | $2,230 |
Cheapest Car Insurance Rates In Broken Arrow For Drivers With An At-Fault Accident
State Farm provides the most affordable car insurance quotes for drivers with an at-fault incident, with an average rate of $120 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $237 | $2,842 |
| Allstate | $294 | $3,526 |
| Geico | $358 | $4,294 |
| State Farm | $120 | $1,438 |
| Shelter | $203 | $2,434 |
Cheapest Car Insurance Rates In Broken Arrow For Drivers After A DUI
Progressive is the company offering the most affordable rates for drivers after a DUI incident in Broken Arrow. They provide average monthly premiums of $188.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $188 | $2,319 |
| Allstate | $269 | $3,286 |
| Farm Bureau | $319 | $3,623 |
| Geico | $337 | $4,042 |
| Farmers | $370 | $4,438 |
Best Car Insurance Companies In Broken Arrow
When selecting a car insurance company in Broken Arrow, it’s essential to balance affordable rates with reliable protection on the road. Below are the top 10 car insurance companies in Broken Arrow, OK, ranked by the average monthly rate they offer:
| Company | Monthly Premium |
| Safeco | $136 |
| Allstate | $168 |
| Shelter | $182 |
| Farmers | $193 |
| Clearcover | $64 |
| State Farm | $117 |
| Oklahoma Farmers Union | $147 |
| Mercury | $172 |
| SafeAuto | $189 |
| USAA | $102 |
Average Car Insurance Rates By Age In Broken Arrow
| Age | Average Yearly Rate |
| Teenagers | $3,528 |
| 20s | $2,074 |
| 30s | $1,512 |
| 40s | $1,344 |
| 50s | $1,272 |
| 60s | $1,284 |
| 70s | $1,344 |
Age plays a crucial role in determining car insurance rates. Typically, younger drivers, especially teenagers and young adults, encounter higher insurance premiums due to their lack of experience behind the wheel. As drivers approach the age of 25, their rates usually begin to decrease, assuming they maintain a clean driving record.
The most favorable insurance rates are often enjoyed by drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk potential, thereby influencing the cost of premiums accordingly.
Average Car Insurance Rates By Vehicle Type In Broken Arrow
| Vehicle | Average Monthly Rate |
| Honda Cr-V | $98 |
| Toyota Corolla | $94 |
| Ford Taurus | $224 |
| Chevrolet Equinox | $179 |
| Nissan Rogue | $181 |
The type of vehicle you drive significantly influences your car insurance costs. Insurance companies take into account factors such as the make, model, year, and body type of the car. Typically, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.
Conversely, older cars or those less expensive to repair or replace may attract lower premiums. Insurers consider these aspects because they directly impact the potential cost of claims – for instance, repairs for a high-end car are generally more costly than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.
How Much Is Car Insurance For Other Cities In Oklahoma?
| City | Average Monthly Rate |
| Enid | $101 |
| Lawton | $114 |
| Muskogee | $106 |
| Norman | $130 |
| Ardmore | $109 |
| Bartlesville | $104 |
| Broken Arrow | $120 |
| Claremore | $112 |
| Duncan | $96 |
| Edmond | $132 |
The city where you live has a significant impact on your car insurance rates. Insurance companies consider various factors related to your location, such as the likelihood of accidents, vehicle theft, and vandalism rates, which are typically higher in urban areas. This heightened risk often results in higher premiums.
FAQs
Who has the lowest car insurance rates in Broken Arrow?
State Farm offers the lowest car insurance rates in Broken Arrow for both the minimum coverage required by the State of Oklahoma and for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Broken Arrow?
The average cost of car insurance in Broken Arrow is approximately $120 per month. However, rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant considerations.
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