bestauto insuranceBroken ArrowCompare the Cheapest Car Insurance Quotes in Broken Arrow, OK
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GEICO has the cheapest auto insurance in Broken Arrow and the lowest-priced state minimum policy. For drivers with a speeding ticket, GEICO is the most affordable. However, your coverage needs and profile may make the cheapest option different. USAA may be best for military families. MoneyGeek’s best auto insurance company in Broken Arrow balancing quality service and affordability is GEICO.
bestauto insuranceBroken ArrowThe Cheapest and Best Car Insurance in Broken Arrow
The Cheapest Car Insurance Companies in Broken Arrow
For a full coverage policy, the cheapest auto insurance companies in Broken Arrow, on average, are:
- GEICO: $765 per year
- Farmers: $956 per year
USAA offers active-duty military, veterans and their families the second-lowest full coverage car insurance in Broken Arrow at around $823 per year.
Full coverage auto insurance from MetLife, the costliest provider in Broken Arrow, is around 215.6% more expensive than GEICO, the most affordable.
Full coverage includes comprehensive and collision coverage; the liability coverage you select may affect your rate.
Cheapest Car Insurance in Broken Arrow
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$765
- 2.$823
- 3.$956
- 4.$1,060
- 5.$1,160
Using our methodology, MoneyGeek determined the average rates for a 40-year-old male driver with full coverage in Broken Arrow.
Full coverage integrates liability with comprehensive and collision insurance to cover damage to your vehicle. This additional security comes with extra cost, making full coverage more than state minimum coverage.
- Comprehensive insurance: covers the expense of replacing or repairing your car because of theft, vandalism, falling objects (like trees) or weather events
- Collision insurance: pays for car damage in an at-fault collision with a vehicle or stationary object or car replacement if totaled
With an older car, full coverage could cost more than the car’s value. When that is the case, cheaper alternatives are liability-only or state minimum coverage.
Compare Car Insurance Rates in Broken Arrow
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Broken Arrow for Minimum Coverage
State minimum coverage is the most affordable auto insurance option in Broken Arrow. The following companies, on average, offer the cheapest open-to-all state minimum coverage in Broken Arrow:
- GEICO: $391 per year
- State Farm: $493 per year
USAA provides the cheapest state minimum auto insurance at around $364 per year. It’s a good choice for eligible active-duty military personnel, veterans and their families.
The most expensive minimum coverage in Broken Arrow is with MetLife, roughly $558 more than the cheapest, GEICO.
Choosing minimum coverage means paying the least amount for auto insurance, but because there's no comprehensive and collision insurance and low levels of liability coverage, you risk complete protection. The table below details how much rates change with higher liability coverage.
Cheapest Minimum Liability Car Insurance in Broken Arrow
State Minimum
- CompanyState Minimumper year
- 1.$364
- 2.$391
- 3.$493
- 4.$541
- 5.$555
Minimum coverage is the least expensive car insurance in Broken Arrow you can buy, but it offers the least protection. Oklahoma’s minimum car insurance policy requirements include $25,000 bodily injury liability per person and $50,000 bodily injury liability per accident with $25,000 property damage liability per accident.
Minimum coverage auto insurance might help you save money, but in an at-fault accident, you may pay out of pocket. For example, if at fault for $60,000 in total medical expenses for an accident but you only have $50,000 in bodily injury liability per accident, you must pay $10,000.
Oklahoma Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Broken Arrow if You Have Driving Violations
A driver's history affects their auto insurance premium; Broken Arrow drivers with a clean record pay less than those with a DUI, an at-fault accident or a ticket violation.
The companies with the cheapest average car insurance quotes in Broken Arrow for drivers that have a violation are:
- Cheapest after a ticket: GEICO, $959 per year
- Cheapest after an at-fault accident: State Farm, $1,212 per year
- Cheapest after a DUI: State Farm, $1,136 per year
USAA is the most affordable option with an at-fault accident for eligible military personnel and their families, around $1,182 a year.
It takes time, but drivers with a poor record can improve it to get a lower auto insurance rate in Broken Arrow. Right now, the best option is to compare rates from multiple companies.
Cheapest Car Insurance in Broken Arrow With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$959
- 2.$1,024
- 3.$1,136
- 4.$1,198
- 5.$1,254
Average Cost of Car Insurance in Broken Arrow
Broken Arrow$1,295
Oklahoma$1,299
U.S.$1,424
Broken Arrow's average car insurance cost is $1,295 annually. The price of car insurance in the city is 0.3% below the Oklahoma average and 9.1% less than the national average.
Personalized Quotes to Get You the Cheapest Car Insurance in Broken Arrow
A driver’s ZIP code, age, gender, car make and model and amount of coverage may all affect their Broken Arrow auto insurance quotes. But every company weighs factors differently. That’s why comparing quotes from at least three different companies can help you get the best deal on auto insurance in Broken Arrow.
Compare Car Insurance Rates in Broken Arrow
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Broken Arrow
MoneyGeek analyzed the auto insurance policies of different providers and ranked them based on their average rates, claims ratings and user satisfaction scores. We found that the following companies offer the best full coverage car insurance in Broken Arrow:
- GEICO: MoneyGeek score of 93 out of 100
- State Farm: MoneyGeek score of 88 out of 100
Since USAA only offers policies to military drivers, the company was excluded from this analysis. However, it received a MoneyGeek score of 100 out of 100, making it the best car insurance company in Broken Arrow, Oklahoma, for military drivers and their families.
1
GEICO
Score:93
On average, it costs $765 per year to buy a GEICO car insurance policy in Broken Arrow. The company has the highest scores for customer satisfaction and affordability, whereas it ranked second for claims. One somewhat unique coverage option is mechanical breakdown insurance.
More About GEICO
GEICO's mechanical breakdown insurance helps you pay for car repairs. This affordable coverage option provides better coverage than the dealer's extended warranty and includes all systems and parts. However, this coverage is only available for cars less than 15 months old with less than 15,000 miles.
GEICO also offers other coverages, including accident forgiveness, roadside assistance and rental car and/or travel reimbursement.
Read MoneyGeek's GEICO auto Insurance Review2
State Farm
Score:88
State Farm’s auto insurance policy costs an average of $1,060 per year. The company ranks second for claims, user satisfaction and affordability. It offers rideshare insurance to policyholders.
More About State Farm
With State Farm’s auto insurance policies, policyholders are eligible for one unique coverage, rideshare insurance, as well as several common coverages like roadside assistance and rental car and/or travel reimbursement.
For drivers working for ridesharing companies like Uber or Lyft, the company offers rideshare insurance, which extends all coverages from your personal auto policy while you’re using the app and waiting to be matched with a rider. These coverages include medical, emergency roadside assistance and rental car reimbursement. It also puts your policy deductible into effect. After you start the ride, all coverages, except liability insurance, remain.
Read MoneyGeek's State Farm auto Insurance Review3
Farmers
Score:80
4
Allstate
Score:77
5
Progressive
Score:56
6
Mercury
Score:48
7
Oklahoma Farm Bureau
Score:45
8
MetLife
Score:25
Average Cost of Car Insurance by Postal Code
If you live in a Broken Arrow ZIP code with a high rate of car accidents, theft or other threats, it may impact your car insurance rate.
Average auto insurance prices in Broken Arrow vary slightly by ZIP code. The most expensive ZIP code, 74012, is $50 more expensive at $1,320 annually than 74014, the least expensive ZIP code at $1,270 annually.
- Zip CodeState Minimumper year
- 74014$1,270
- 74012$1,320
Factors That Impact Insurance Costs in Broken Arrow
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Broken Arrow. How Broken Arrow ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
