Cheapest and Best Car Insurance in Broken Arrow, OK (2023)

Finding the right auto insurance in Broken Arrow, OK, depends on your needs and preferences. State Farm is the most affordable insurer for full coverage and those with at-fault accidents, speeding tickets or DUIs.

Allstate is the cheapest option for teens on family policies, and Shelter is the top choice for quality service.

The following companies offer the cheapest minimum coverage auto insurance in Broken Arrow:

• State Farm: $299 per year
• Progressive: $299 per year

Home State Insurance Group is the most expensive auto insurer in Broken Arrow, with an annual cost of $647. Conversely, State Farm is Oklahoma’s least expensive car insurance provider, averaging $233 annually. This makes Broken Arrow's auto insurance more expensive than the Oklahoma average.

In Oklahoma, state law dictates the liability limits for minimum coverage insurance. It includes bodily injury and personal property damage at 25/50/25, or:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident

This insurance only covers damages to others. Any injuries to you, your passengers or your vehicle aren't covered.

In Oklahoma, if you're found at fault in an accident and have minimum coverage, your insurance company covers medical costs for each person in the other vehicle up to $25,000. The total maxes out at $50,000 per accident. Anything beyond this comes out of your pocket.

The cheapest full coverage auto insurance in Broken Arrow are

• State Farm: $700 per year
• Mercury: $835 per year

According to MoneyGeek's data, Home State Insurance Group is the priciest provider of full-coverage car insurance in Broken Arrow, averaging $1,478 per year. State Farm has the cheapest full coverage car insurance in Oklahoma, at $718 per year. Since State Farm’s cost in Broken Arrow is even lower than the state average, the city may be among the more affordable places for car insurance in the state.

Full coverage auto insurance increases your liability coverage and adds comprehensive and collision coverage to your policy.

• Collision Insurance: Pays for damage to your vehicle after a collision, regardless of who is at fault
• Comprehensive Insurance: Covers damage to your car from non-collision incidents, like a storm, fire or vandalism

Comprehensive and collision coverage may not be worth the cost for older vehicles, as the insurance costs may outweigh how much the car is worth.

MoneyGeek's analysis found the following companies are the cheapest auto insurers for drivers with traffic infractions in Broken Arrow:

• Speeding ticket: State Farm ($782 per year)
• At-fault accident: State Farm ($846 per year)
• DUI: State Farm ($782 per year)

If you're cited for a speeding ticket, accident or DUI, you can expect to pay the highest yearly premiums with Shelter ($1,743 for a ticket or $2,258 for an accident) and Oklahoma Farm Bureau ($2,159 for a DUI). Even the most competitive rates may be significantly higher after an offense compared to drivers with clean records.

The cost of auto insurance in Broken Arrow can vary depending on the infraction. For example, State Farm, the cheapest insurer for drivers with less-than-stellar records, charges an average of $846 per year to insure drivers with at-fault accidents and $782 per year for those with DUIs or speeding tickets.

Although premiums are higher for drivers with a bad record, there are still affordable insurance companies available.

The most affordable insurers for teens on family policies are:

• Allstate: $2,145 per year for male teens; $2,021 per year for female teens
• Progressive: $2,296 per year for male teens
• State Farm: $2,059 per year for female teens

Farmers is the most expensive insurer for Broken Arrow teens, charging $2,975 for male teens and $2,808 for female teens per year.

16-year-old male drivers in Broken Arrow typically pay more for auto insurance than their female counterparts. With Allstate, the difference is $124. This gap closes by early adulthood.

Adding a teen to their family’s coverage is generally cheaper than getting them a separate policy.

A 16-year-old male or female teen with an individual premium will pay at least $4,000 more than on a family plan. For teens looking for the cheapest car insurance, shopping around for several rates and taking advantage of discounts can help save money.

Our analysis found the following companies to be the cheapest auto insurers for active or veteran military and their families in Broken Arrow:

• USAA: $602 per year
• State Farm: $700 per year

The above rates are for full coverage policies. USAA also ranks first for minimum coverage at $219 per year, while State Farm is second at $299 annually.

Getting car insurance quotes in Broken Arrow, OK, can take up to 15 minutes or more per quote. You may also have to provide a ton of very personal information to each provider.

MoneyGeek's car insurance calculator can help make the process easier and quicker. With just your age, vehicle type, coverage level and driving record, you can get an estimate of your car insurance costs immediately.

The best car insurance for you depends on your needs and background. The best car insurance companies in Broken Arrow, OK, are:

• Best overall: State Farm (MoneyGeek score 76 out of 100)
• Best for service: Shelter (MoneyGeek score 68 out of 100)
• Best cheap insurance: State Farm (MoneyGeek score 78 out of 100)

The overall MoneyGeek score may vary based on the weighting of factors in each category.

USAA is technically Broken Arrow's highest-ranked car insurance company, with a MoneyGeek score of 85 out of 100. However, since it's only available to military members and their families, we excluded it from our general list.

The best companies for car insurance in Broken Arrow are:

• State Farm: MoneyGeek score 76 out of 100 ($700 per year)
• GEICO: MoneyGeek score 68 out of 100 ($892 per year)

State Farm and GEICO emerged as the winners among the nine insurance providers we examined, with excellent customer satisfaction and affordability ratings.

USAA is the top insurer for military personnel and their families, with 85 out of 100 MoneyGeek ratings. MoneyGeek's USAA auto insurance review provides further information on the provider's activities.

These companies balance affordability and customer service in Broken Arrow:

• Shelter: MoneyGeek score 68 out of 100 ($1,267 per year)
• State Farm: MoneyGeek score 58 out of 100 ($700 per year)

Shelter is the top-rated company for customer satisfaction and claims processing, boasting superior service over nine other insurers. Unfortunately, its premiums are comparatively high.

In Broken Arrow, the top companies offer excellent service and affordable pricing. You need to look at minimum coverage insurance to get the most affordable pricing. Our top picks are.

• State Farm: MoneyGeek score 78 out of 100 ($299 per year)
• Progressive: MoneyGeek score 78 out of 100 ($299 per year)

The cheapest Broken Arrow minimum coverage insurance plans may be the cheapest — but you get what you pay for. These plans provide limited liability coverage, so if you're at fault in an accident, the insurance pays for very little and, even then, only for the other vehicle's occupants. It won't pay for your expenses.

MoneyGeek's analysis showed that, on average, Broken Arrow residents pay $1,033 annually for full coverage car insurance.

This is $6 lower than the state's average of $1,040 and $225 less than the national average of $1,265 as of October 2022. This policy covers up to $100,000 in bodily injury liability per person, $300,000 for bodily injury liability per accident and $100,000 for property damage liability per accident. Broken Arrow's lower population density, fewer car accident claims and reduced crime rate contribute to the lower cost of car insurance.