Compare the Cheapest Car Insurance Quotes in Broken Arrow

Car insurance in Broken Arrow costs around $1,295 a year, roughly $4 or 0.3% less than Oklahoma’s average. GEICO has the cheapest auto insurance in Broken Arrow at around $765 a year. MoneyGeek found the cheapest Broken Arrow auto insurance by coverage and driver profile. We also discovered the best companies in Broken Arrow with quality service and great rates.

Compare Auto Insurance Rates

Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin
Last Updated: 5/16/2022
Advertising & Editorial Disclosure
By     |  

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.

iconribbonbestauto insuranceBroken Arrow2022

The 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
  • Company
    100/300/100per year
  • 1.
    GEICO
    $765
  • 2.
    USAA
    $823
  • 3.
    Farmers
    $956
  • 4.
    State Farm
    $1,060
  • 5.
    Allstate
    $1,160
  • 6.
    Progressive
    $1,206
  • 7.
    Mercury
    $1,366
  • 8.
    Oklahoma Farm Bureau
    $1,431
  • 9.
    MetLife
    $2,414

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.

widget-location-pin
Insurance Rates

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

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

  • Item
    Description
  • 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, at-fault accident or 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

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.

widget-location-pin
Insurance Rates

The Best Car Insurance Companies in Broken Arrow

For drivers who want a great auto insurance rate alongside quality service, MoneyGeek rated the best car insurance companies in Broken Arrow.

The best auto insurance companies in Broken Arrow balancing cost with excellent service are:

  • GEICO: MoneyGeek score of 93 out of 100
  • Allstate: MoneyGeek score of 85 out of 100

USAA scored the best rating; however, it is only for military members, so we excluded it.

MoneyGeek examined J.D. Power ratings for consumer satisfaction, affordability and financial stability to get the final scores out of 100.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:92.5

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

3
Allstate
Score:85

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

4
Travelers
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
Progressive
Score:85

4/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Auto Club of Southern California Insurance Group
Score:82.5

4/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

7
State Farm
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Safeco
Score:77.5

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

9
Liberty Mutual
Score:77.5

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

10
Farm Bureau Ins of MI
Score:75

2/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
Farmers
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

12
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

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 Code
    State 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.

accident2 icon
Most Accidents With Fatalities175th/300
handcuffs2 icon
Most Car Thefts276th/300
uninsured icon
Most Uninsured Motorists by State31st/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall89th/300
umbrella icon
Most Rainy Days167th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Broken Arrow are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.