Best Broken Arrow, OK Auto Insurance in 2025 (Compare the Top 10 Companies)

The best Broken Arrow, OK auto insurance companies are State Farm, Geico, and Progressive, with monthly rates starting at $45. State Farm excels in customer service, Geico is the most affordable, and Progressive offers the most comprehensive options. Compare car insurance in Broken Arrow, OK, for the best value.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

Maria Hanson

Insurance and Finance Writer

Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability.  Maria has expanded her scope of expertise to home, health, and life...

Insurance and Finance Writer

Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications.  As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...

Licensed Insurance Agent

UPDATED: Jan 18, 2025

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Top Broken Arrow OK Pick: State Farm
4.3

Company Facts

Full Coverage in Broken Arrow OK

$129/mo

A.M. Best Rating

B

Complaint Level

Low
Best Rates in Broken Arrow OK: Geico
4.1

Company Facts

Full Coverage in Broken Arrow OK

$115/mo

A.M. Best Rating

A++

Complaint Level

Low
Best Broken Arrow OK Tools: Progressive
4.4

Company Facts

Full Coverage in Broken Arrow OK

$124/mo

A.M. Best Rating

A+

Complaint Level

Low

The best Broken Arrow, OK auto insurance providers are State Farm, Geico, and Progressive. They offer competitive rates starting at $45 monthly. State Farm is the top pick for customer service, Geico provides the most affordable rates, and Progressive offers the most comprehensive coverage options.
Best Broken Arrow, OK Auto Insurance: State Farm, Geico and Progressive
It means factors such as driving history, credit scores, and car type might determine how much you’ll have to pay for your premium; thus, it is necessary to compare quotes. Explore the discounts offered and then look into provider offerings to find value and coverage.

Our Top 10 Company Picks: Best Broken Arrow, OK Auto Insurance

Insurance CompanyRankBundling DiscountA.M. BestBest ForJump to Pros/Cons
State Farm: Best Broken Arrow, OK Auto Insurance#117%BCoverage OptionsState Farm
Geico: Best Broken Arrow, OK Auto Insurance#225%A++Competitive RatesGeico
Progressive: Best Broken Arrow, OK Auto Insurance#310%A+Budgeting ToolsProgressive
Farmers: Best Broken Arrow, OK Auto Insurance#420%APersonalized PoliciesFarmers
Allstate: Best Broken Arrow, OK Auto Insurance#525%A+Excellent DiscountsAllstate
Liberty Mutual: Best Broken Arrow, OK Auto Insurance#625%ABroad CoverageLiberty Mutual
USAA: Best Broken Arrow, OK Auto Insurance#710%A++Member BenefitsUSAA
Nationwide: Best Broken Arrow, OK Auto Insurance#820%A+Claims SupportNationwide
American Family: Best Broken Arrow, OK Auto Insurance#925%ACustomer SatisfactionAmerican Family
Travelers: Best Broken Arrow, OK Auto Insurance#1013%A++Extensive CoverageTravelers

Compare RatesStart Now →

Enter your ZIP code into our tool for instant access to Broken Arrow, Oklahoma’s best auto insurance quotes.

Can't-Miss Facts

  • State Farm offers top-rated service with rates starting at $54
  • Compare quotes for affordable auto insurance in Broken Arrow, Ok
  • Geico and Progressive are also strong contenders for coverage

Table of Contents

#1 – State Farm: Top Overall PickState Farm: Best Broken Arrow, OK Auto Insurance

Pros:

  • Comprehensive Coverage: State Farm provides various car insurance options designed explicitly for Broken Arrow auto owners.
  • Affordable Rates for Bundling: Customers in Broken Arrow can save significantly by bundling their auto and home insurance.
  • Strong Customer Service: State Farm offers reliable claims support, which makes it the best auto insurance company in Broken Arrow, Oklahoma.

Cons:

  • Limited Discounts for Teen Drivers: Broken Arrow, OK, offers fewer teen driver insurance discounts, which results in more expensive premiums.
  • Higher Premiums for New Drivers: New drivers in Broken Arrow, OK, pay higher insurance rates. For additional insights, read our “State Farm Auto Insurance Review.”

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

#2 – Geico: Best for Competitive RatesGeico: Best Broken Arrow, OK Auto Insurance

Pros:

  • Lowest Premiums: Geico is best for offering low-cost auto insurance in Broken Arrow, Oklahoma, while providing comprehensive coverage.
  • Extensive Discount Options: Geico offers many discounts on auto insurance in Broken Arrow, OK, for good driving, military service, and bundling.
  • User-Friendly Insurance App: The Geico Broken Arrow, OK, mobile app streamlines policy management and claim filing. Dive deeper into our “Geico Auto Insurance Review.”

Cons:

  • Limited Local Agents: Geico does not have many local insurance agents in Broken Arrow, OK, so it relies extensively on online services.
  • Average Insurance Customer Service: Geico customers might experience more customer service delays than other Broken Arrow, OK, organizations.

#3 – Progressive: Best for Budgeting ToolsProgressive: Best Broken Arrow, OK Auto Insurance

Pros:

  • Usage-Based Options: Progressive Snapshot is a program that offers savings on car insurance in Broken Arrow, OK, based on driving habits.
  • Wide Discounts: Savings for a good driver, bundling, and more years of continuity in Broken Arrow, Oklahoma. Learn more about our “Progressive Auto Insurance Review” for a broader perspective.
  • Flexible Payment Plans: Progressive offers flexible insurance payment options to customers in Broken Arrow, OK, according to their budget.

Cons:

  • Limited Insurance Coverage for High-Risk Drivers: Broken Arrow has higher rates for high-risk drivers with previous accidents and violations.
  • Price Increases After Insurance Claims: The prices rise for more claims, making the insurance product less affordable in Broken Arrow, OK.

#4 – Farmers: Best for Personalized PoliciesFarmers: Best Broken Arrow, OK Auto Insurance

Pros:

  • Tailored Auto Insurance Coverage: Farmers offer policies designed to meet the individual needs of our customers in Broken Arrow, OK.
  • Multiple Discount Opportunities: Bundling, eco-friendly vehicles, and safe driving in Broken Arrow, OK. Our article, “Farmers Auto Insurance Review, ” gives deeper insights.”
  • Strong Agent Network: Farmers has a robust network of local insurance agents in Broken Arrow, OK, who will provide the most personalized service.

Cons:

  • Higher Initial Premiums: The initial insurance premiums could be relatively high compared to Broken Arrow competitors, especially for younger drivers.
  • Limited Online Services: The online tools for policy insurance management are not as developed in Broken Arrow, Oklahoma.

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

#5 – Allstate: Best for Excellent DiscountsAllstate: Best Broken Arrow, OK Auto Insurance

Pros:

  • Wide Variety of Discounts: Provides auto insurance discounts for safe driving, new cars, and multi-policy customers in Broken Arrow, OK.
  • Reliable Claims Support: Quick and efficient insurance claims processing service with excellent service in Broken Arrow, OK.
  • Financial Strength: Broken Arrow drivers with a history of violations or accidents will pay more for car insurance. Our article, “Allstate Auto Insurance Review,” will broaden your knowledge.

Cons:

  • Expensive Insurance for High-Risk Drivers: In Broken Arrow, Oklahoma, drivers with a history of violations or accidents can obtain higher insurance premiums.
  • Complex Policy Structure: The wide variety of insurance coverage options can confuse Broken Arrow customers.

#6 – Liberty Mutual: Best for Broad CoverageLiberty Mutual: Best Broken Arrow, OK Auto Insurance

Pros:

  • Comprehensive Policies: Comprehensive auto insurance coverage, including accident forgiveness and new car replacement, is available in Broken Arrow, Oklahoma.
  • Multiple Discount Offers: Liberty Mutual offers discounts for safe driving, hybrid vehicles, and bundling car insurance in Broken Arrow, OK.
  • Reliable Claims Service: Efficient handling of insurance claims, ensuring quick support in Broken Arrow, OK. Uncover more by delving into our article entitled “Liberty Mutual Auto Insurance Review.”

Cons:

  • Higher Premiums: Liberty Mutual insurance rates are relatively high compared to other Broken Arrow, Oklahoma providers.
  • Confusing Website: Difficult navigation on Liberty Mutual’s website in Broken Arrow may hinder insurance policy management.

#7 – USAA: Best for Member BenefitsUSAA: Best Broken Arrow, OK Auto Insurance

Pros:

  • Exclusive Discounts for Military Members: USAA only offers exclusive military discounts for those families in Broken Arrow, OK. Explore the specifics in our article titled “USAA Auto Insurance Review.”
  • Highly Rated Customer Service: It also delivers the best auto insurance claims support and answers, making it at the top among Broken Arrow’s choices.
  • Financial Stability: USAA earns an A++ rating from  A.M. Best, assuring members that Broken Arrow has stable automobile insurance coverage.

Cons:

  • Limited Insurance Availability: USAA is only available for military families in Broken Arrow, OK, and not for others.
  • Higher Premiums for Non-Military Drivers:  Insurance premiums for non-military drivers in Broken Arrow, Oklahoma, might increase.

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

#8 – Nationwide: Best for Claims SupportNationwide: Best Broken Arrow, OK Auto Insurance

Pros:

  • Efficient Claims Process: Nationwide is very efficient and convenient in handling insurance claims, facilitating timely resolution in Broken Arrow, OK.
  • Safe Driver Discounts: Large discounts on their insurance policies with Nationwide for Broken Arrow safe drivers, thus making it easy on the wallet.
  • Comprehensive Coverage Options: Roadside assistance and rental car insurance coverage, to name a few options in Broken Arrow, Oklahoma.

Cons:

  • Moderate Premiums: Auto insurance premiums in Broken Arrow, OK, may be higher than some competitors, especially for high-risk drivers.
  • Limited Local Agents: Nationwide has fewer insurance agents in Broken Arrow, OK, which means more reliance on online services. Expand your understanding with our article called “Nationwide Auto Insurance Review.”

#9 – American Family: Best for Customer SatisfactionAmerican Family: Best Broken Arrow, OK Auto Insurance

Pros:

  • Excellent Customer Satisfaction: Broken Arrow, OK, has received high customer satisfaction ratings for auto insurance.
  • Multiple Discounts: Save on insurance with safe driving, good students, and bundling in Broken Arrow, OK. Obtain a more nuanced perspective with our “American Family Auto Insurance Review.”
  • Customizable Coverage: Broken Arrow, OK, care insurance coverage through American Family can be customized according to your requirements.

Cons:

  • Higher Premiums for Young Drivers: Inexperienced drivers face higher insurance costs in Broken Arrow, Oklahoma.
  • Limited Digital Features: The online tools and apps are less robust than some Broken Arrow insurance competitors.

#10 – Travelers: Best for Extensive CoverageTravelers: Best Broken Arrow, OK Auto Insurance

Pros:

  • Broad Coverage Options: Travelers offers comprehensive insurance coverage such as accident forgiveness and roadside assistance in Broken Arrow, Oklahoma.
  • Discounts for Safe Drivers: Travelers provides car insurance discounts for safe driving in Broken Arrow, OK, rewarding accident-free records.
  • Innovative Usage-Based Insurance: IntelliDrive program monitors the driving behavior to offer more savings in Broken Arrow, OK.

Cons:

  • Higher Premiums for Some Drivers: Drivers with poor credit or a history of accidents may face higher insurance premiums in Broken Arrow, OK.
  • Confusing Policy Terms: The wide range of auto insurance coverage options can overwhelm some Broken Arrow drivers. For expanded insights, look at our “Travelers Auto Insurance Review.”

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

A Guide to Auto Insurance Costs in Broken Arrow, OK, by Provider and Coverage

Monthly auto insurance rates in Broken Arrow, OK, vary by company and depend on whether you opt for minimum or full-coverage car insurance. Some companies offer lower-priced basic coverage, while others provide broader protection at higher rates for full coverage.

Broken Arrow, OK Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance CompanyMinimum CoverageFull Coverage
Allstate: Best Broken Arrow, OK Auto Insurance$55$132
American Family: Best Broken Arrow, OK Auto Insurance$49$118
Farmers: Best Broken Arrow, OK Auto Insurance$53$128
Geico: Best Broken Arrow, OK Auto Insurance$48$115
Liberty Mutual: Best Broken Arrow, OK Auto Insurance$59$139
Nationwide: Best Broken Arrow, OK Auto Insurance$50$121
Progressive: Best Broken Arrow, OK Auto Insurance$51$124
State Farm: Best Broken Arrow, OK Auto Insurance$54$129
Travelers: Best Broken Arrow, OK Auto Insurance$56$130
USAA: Best Broken Arrow, OK Auto Insurance$45$108

Compare RatesStart Now →

Complete coverage is usually pricier than minimum coverage but provides excellent monetary cover for accidents or damage. You should analyze how much coverage you need and seek discounts to reduce your monthly payments.

Unlock Savings: Top Auto Insurance Discounts in Broken Arrow, Oklahoma

Leading auto insurance companies in Broken Arrow, OK, provide discounts for drivers to save on their premiums. Typical discounts include safe driver, good student, and multi-policy savings. Providers like Allstate and American Family also offer early signing and accident-free discounts to lower rates.

Auto Insurance Discounts From the Top Providers in Broken Arrow, OK

Insurance CompanyAvailable Discounts
Allstate: Best Broken Arrow, OK Auto InsuranceResponsible Payer, New Car, Safe Driver, Smart Student, Anti-Theft, Early Signing, Multi-Policy
American Family: Best Broken Arrow, OK Auto InsuranceEarly Signing, Safe Driver, Loyalty, Accident-Free, Young Driver, Multi-Policy, Generational, Good Student
Farmers: Best Broken Arrow, OK Auto InsuranceEco-Friendly Vehicle, Signal (Usage-Based), Good Student, Safe Driver, Bundling, Homeowner, Multi-Policy
Geico: Best Broken Arrow, OK Auto InsuranceGood Driver, Anti-Theft, Military, Good Student, Multi-Policy, Defensive Driving, Vehicle Safety
Liberty Mutual: Best Broken Arrow, OK Auto InsuranceAccident-Free, Safe Driver, Anti-Theft, Hybrid Vehicle, Military, New Car Replacement, Multi-Policy
Nationwide: Best Broken Arrow, OK Auto InsuranceGood Student, Accident-Free, Easy Pay Sign-Up, Defensive Driving, Anti-Theft, SmartRide (Usage-Based), Multi-Policy
Progressive: Best Broken Arrow, OK Auto InsuranceTeen Driver, Continuous Coverage, Snapshot (Usage-Based), Homeowner, Multi-Policy, Multi-Car
State Farm: Best Broken Arrow, OK Auto InsuranceDefensive Driving, Good Student, Anti-Theft, Bundling, Safe Driver, Accident-Free
Travelers: Best Broken Arrow, OK Auto InsuranceIntelliDrive (Usage-Based), Hybrid/Electric Vehicle, Safe Driver, Multi-Policy, Homeowner, Good Payer, New Car
USAA: Best Broken Arrow, OK Auto InsuranceLoyalty, Vehicle Storage, Good Student, Safe Driver, Military, Defensive Driving, Multi-Policy

Compare RatesStart Now →

Progressive’s Snapshot and Nationwide’s SmartRide are usage-based insurance programs that reward drivers for safe driving habits. Military discounts are available through USAA, Geico, and other providers, depending on eligibility.

Broken Arrow, OK Auto Insurance: The Risks of Liability-Only Coverage

If you’re relying on automobile liability coverage, remember it only covers accidents for which you’re responsible. If another driver collides with you or your car sustains damage from natural events, you are responsible for covering the repair costs. Comprehensive or Collision coverage may be a better option to protect against these scenarios.

Broken Arrow, OK Minimum Auto Insurance Coverage Requirements

CoverageLimits
Bodily Injury Liability$25,000 per person /
$50,000 per accident
Property Damage Liability$25,000 per accident

Compare RatesStart Now →

While the average monthly premium in Oklahoma is about $131, you can find cheap car insurance in Broken Arrow, with some as low as $36 per month. However, don’t just focus on price—customer service and a smooth claims process are just as important when selecting an insurer.

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

Key Factors That Affect Your Auto Insurance Rates in Broken Arrow, Oklahoma

Several factors affect your auto insurance rates in Broken Arrow, OK. While you can’t control things like age or location, improving your driving record and credit score can help lower premiums. Safe driving and responsible credit management are key to getting better rates.

Your vehicle type and mileage also affect costs. Expensive cars or frequent driving can increase your premium. To save, consider driving fewer miles or switching to a more affordable vehicle with lower insurance costs.

ZIP Code-Based Auto Insurance Rate Trends in Broken Arrow, OK

The greater the population density within a specific area like Broken Arrow, OK, the higher the likelihood of car insurance prices. However, Broken Arrow is home to just 103,500 residents, so fewer cars on the road contribute to lower insurance premiums due to decreased potential for accidents.

Broken Arrow, OK Auto Insurance Monthly Rates by ZIP Code

ZIPRates
74011$143
74012$150
74014$132

Compare RatesStart Now →

The average auto insurance rates in Broken Arrow’s ZIP codes reflect this trend. For example, residents in ZIP code 74011 pay an average of $143 per month, while those in 74012 pay $150, and 74014 residents pay an average of $132 per month.

The Role of Accident Statistics in Shaping Auto Insurance Costs in Broken Arrow

Areas with high accident rates tend to have higher auto insurance premiums. Insurance companies use local crash statistics to assess risk, which can increase costs for drivers in regions with frequent accidents.

Broken Arrow, OK Fatal Accidents

CategoryCount
Persons involved in fatal crashes12
Vehicles involved in fatal crashes11
Fatal accident count6
Fatalities6
Pedestrians involved in fatal accidents2
Fatal crashes involving drunk persons0

Compare RatesStart Now →

In Broken Arrow, 12 individuals were involved in fatal crashes, resulting in six deaths, with no incidents caused by drunk driving; tragically, two pedestrians lost their lives. If you live in a high-accident area, consider asking about safe driver discounts to reduce your insurance premiums.

Better Credit Equals Lower Auto Insurance Rates in Broken Arrow, Oklahoma

Car insurance companies in Broken Arrow, OK, consider your credit score to affect your car insurance premiums. A higher credit score generally results in lower rates, while poor credit can significantly increase costs.

Broken Arrow, OK Auto Insurance Monthly Rates by Provider & Credit Score

Insurance CompanyGood CreditFair CreditBad Credit
Allstate: Best Broken Arrow, OK Auto Insurance$150$180$250
American Family: Best Broken Arrow, OK Auto Insurance$130$160$220
Farmers: Best Broken Arrow, OK Auto Insurance$120$150$210
Geico: Best Broken Arrow, OK Auto Insurance$110$140$200
Liberty Mutual: Best Broken Arrow, OK Auto Insurance$160$200$300
Nationwide: Best Broken Arrow, OK Auto Insurance$140$170$240
Progressive: Best Broken Arrow, OK Auto Insurance$120$160$230
State Farm: Best Broken Arrow, OK Auto Insurance$115$155$220
Travelers: Best Broken Arrow, OK Auto Insurance$125$175$250
USAA: Best Broken Arrow, OK Auto Insurance$110$150$230

Compare RatesStart Now →

In Broken Arrow, OK, drivers with good credit pay much less than those with poor credit. For instance, Allstate charges $150 for good credit but $250 for bad credit, highlighting the significant impact of credit on insurance premiums.

Auto Theft Rates in Broken Arrow, OK, and Their Effect on Insurance Coverage

Living in an area with high auto theft rates increases the chances of being targeted by thieves, which can lead to higher insurance premiums. If your location experiences frequent thefts, your insurer may raise your rates to cover the added risk.

Broken Arrow, OK Auto Insurance Monthly Rates by Provider & Coverage Type

Insurance CompanyCollisionComprehensive
Allstate: Best Broken Arrow, OK Auto Insurance$150$100
American Family: Best Broken Arrow, OK Auto Insurance$130$90
Farmers: Best Broken Arrow, OK Auto Insurance$120$85
Geico: Best Broken Arrow, OK Auto Insurance$135$95
Liberty Mutual: Best Broken Arrow, OK Auto Insurance$160$110
Nationwide: Best Broken Arrow, OK Auto Insurance$145$105
Progressive: Best Broken Arrow, OK Auto Insurance$140$95
State Farm: Best Broken Arrow, OK Auto Insurance$125$80
Travelers: Best Broken Arrow, OK Auto Insurance$155$105
USAA: Best Broken Arrow, OK Auto Insurance$150$100

Compare RatesStart Now →

Broken Arrow had 135 vehicle thefts, contributing to higher insurance costs for drivers in the area. To protect against these rising premiums, consider adding comprehensive coverage to your policy, as it helps cover theft and damages caused by incidents beyond your control.

Driving Record and Its Influence on Auto Insurance Premiums in Broken Arrow

Your driving record significantly affects your auto insurance rates. A clean driving record will lower premiums, while a ticket, accident, or DUI will increase costs. Insurance providers consider drivers with violations to be at a higher risk.

Broken Arrow, OK Auto Insurance Monthly Rates by Driving Record

Insurance CompanyClean RecordOne TicketOne AccidentOne DUI
Allstate: Best Broken Arrow, OK Auto Insurance$250$270$300$350
American Family: Best Broken Arrow, OK Auto Insurance$210$230$260$300
Farmers: Best Broken Arrow, OK Auto Insurance$180$200$220$270
Geico: Best Broken Arrow, OK Auto Insurance$220$240$260$310
Liberty Mutual: Best Broken Arrow, OK Auto Insurance$240$260$280$330
Nationwide: Best Broken Arrow, OK Auto Insurance$230$250$270$320
Progressive: Best Broken Arrow, OK Auto Insurance$200$220$240$290
State Farm: Best Broken Arrow, OK Auto Insurance$210$230$250$300
Travelers: Best Broken Arrow, OK Auto Insurance$225$245$265$315
USAA: Best Broken Arrow, OK Auto Insurance$205$225$245$295

Compare RatesStart Now →

Some insurers offer “Accident Forgiveness” for minor infractions, potentially helping you avoid premium hikes.

State Farm offers top-notch customer service and dependable coverage starting at just $54 per month, providing the best overall value for auto insurance in Broken Arrow.

Ty Stewart Licensed Insurance Agent

However, serious violations like DUIs generally lead to higher premiums and are unlikely to be forgiven.

Age-Based Differences in Auto Insurance Rates in Broken Arrow, OK

Teenage drivers face significantly higher premiums due to inexperience and higher road risk. The chart shows that 17-year-olds pay much more than adults for auto insurance in Broken Arrow.

Broken Arrow, OK Auto Insurance Monthly Rates by Provider, Age, & Gender

Insurance CompanyAge: 17 FemaleAge: 17 MaleAge: 34 FemaleAge: 34 Male
Allstate: Best Broken Arrow, OK Auto Insurance$200$210$140$150
American Family: Best Broken Arrow, OK Auto Insurance$220$230$160$170
Farmers: Best Broken Arrow, OK Auto Insurance$180$190$130$140
Geico: Best Broken Arrow, OK Auto Insurance$210$220$150$160
Liberty Mutual: Best Broken Arrow, OK Auto Insurance$230$240$170$180
Nationwide: Best Broken Arrow, OK Auto Insurance$240$250$180$190
Progressive: Best Broken Arrow, OK Auto Insurance$250$260$190$200
State Farm: Best Broken Arrow, OK Auto Insurance$215$225$155$165
Travelers: Best Broken Arrow, OK Auto Insurance$225$235$165$175
USAA: Best Broken Arrow, OK Auto Insurance$195$205$145$155

Compare RatesStart Now →

In Broken Arrow, OK, 17-year-old drivers pay up to $250 monthly, while adult drivers typically pay much less. However, teens can reduce their rates by qualifying for good student discounts or taking driver education courses.

Luxury Vehicles in Broken Arrow, OK: Ensure Comprehensive Coverage for Maximum Protection

Investing in full coverage is crucial if you own a luxury vehicle, such as a 2024 BMW 3 Series or a Mercedes-Benz C-Class. Minimum coverage may not be sufficient, as it won’t cover the high repair or replacement costs associated with expensive cars.

Broken Arrow, OK Auto Insurance Monthly Rates by Vehicle & Coverage Level

Make & ModelMinimum CoverageFull Coverage
2024 BMW 3 Series$47$285
2024 Chevrolet Silverado$183$188
2024 Ford F-150$157$157
2024 Honda Accord$154$154
2024 Hyundai Elantra$155$155
2024 Jeep Grand Cherokee$157$157
2024 Mercedes-Benz C-Class$157$157
2024 Nissan Altima$157$157
2024 Subaru Outback$163$163
2024 Toyota Camry$154$154

Compare RatesStart Now →

Luxury vehicles often come with costly repairs, so having the right insurance protects you financially. Full coverage provides better security against accidents, theft, and other unexpected events, which can quickly surpass the value of your vehicle.
Best Broken Arrow, OK Auto Insurance: Excess Coverage Definition Card

For owners of luxury vehicles, adding excess coverage can provide extra protection against the high costs of repairs or replacement. It ensures that you won’t be left paying out-of-pocket if the damage exceeds your primary coverage limits in the event of an accident.

The State of Auto Insurance in Broken Arrow, OK: A Premium Breakdown

Broken Arrow’s weather-related risks earn an A, with frequent storms and driving hazards leading to higher accident potential. Moderate traffic congestion in the area results in a B grade for traffic density, slightly impacting insurance premiums.

Broken Arrow, OK Report Card: Auto Insurance Premiums

CategoryGradeExplanation
Weather-Related RisksAFrequent storms, driving hazards
Traffic DensityBModerate traffic, moderate congestion
Vehicle Theft RateBModerate theft incidents, urban areas
Average Claim SizeCClaims cost moderate, higher risk
Uninsured Drivers RateDHigh rate of uninsured drivers

Compare RatesStart Now →

With a B grade for vehicle theft rates and a C for average claim size, Broken Arrow faces moderate risk, leading to higher claims costs. The D grade for uninsured drivers indicates a high rate of uninsured motorists, increasing the high-risk auto insurance for insured drivers.

Broken Arrow, OK Auto Accident, and Insurance Claim Statistics: Key Insights

In Broken Arrow, there are approximately 1,500 accidents and 1,200 insurance claims. The average claim size is around $13,962, reflecting the moderate severity of incidents in the area.

Broken Arrow, OK Auto Accident & Insurance Claim Statistics

FactorValue
Accidents Per Year1,500
Claims Per Year1,200
Average Claim Size$13,962
Percentage of Uninsured Drivers15%
Vehicle Theft Rate75 thefts/year
Traffic DensityModerate
Weather-Related IncidentsLow

Compare RatesStart Now →

With a 75% vehicle theft rate per year and 15% uninsured drivers, Broken Arrow faces challenges in claims processing and average auto insurance costs. Traffic density is moderate, and low weather-related incidents contribute to manageable risk levels.

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

Affordable and Reliable Auto Insurance in Broken Arrow, Oklahoma

State Farm, Progressive, and Geico are the best car insurance providers in Broken Arrow. State Farm offers excellent customer service, Geico offers affordable rates, and Progressive offers auto insurance coverage options.Best Broken Arrow, OK Auto Insurance: Progressive Homepage Screenshot

Several factors impact insurance premiums, including driving history, credit score, and type of vehicle. By comparing quotes and utilizing available discounts, drivers can obtain lower rates while maintaining essential coverage.

Discover Broken Arrow, Oklahoma’s best auto insurance rates by entering your ZIP code using our complimentary comparison tool below.

Frequently Asked Questions

How can I get accurate car insurance quotes in Broken Arrow, Oklahoma?

To get accurate car insurance quotes in Broken Arrow, provide your vehicle details, driving history, and personal information on comparison websites or insurance provider sites to get multiple quotes quickly.

How can I find reputable car insurance agents in Broken Arrow, OK, who can help me compare providers?

Look for licensed, highly rated car insurance agents in Broken Arrow through online reviews or referrals. Schedule consultations to compare coverage options and prices.

What factors affect the auto insurance quotes in Broken Arrow, OK, and how can they influence my premium?

Your auto insurance quotes in Broken Arrow are affected by factors that affect car insurance premiums, such as driving history, vehicle type, age, and credit score. Enhancing your driving record and credit score can lead to reduced premiums.

Where can I find the best cheap car insurance in Broken Arrow without sacrificing coverage?

Compare car insurance in Broken Arrow, OK, from major providers like Geico, State Farm, and Progressive. Look for discounts and ensure the policy offers full coverage for accidents and damage.

Which car insurance companies in Broken Arrow offer the best car insurance rates for drivers with a clean record?

Broken Arrow car insurance companies such as State Farm, Geico, and Progressive provide competitive rates for drivers with clean records and offer discounts for safe driving.

Discover the most budget-friendly car insurance quotes for Broken Arrow, Oklahoma, by entering your ZIP code below.

What are the minimum requirements for Broken Arrow, Oklahoma, car insurance?

Oklahoma requires at least $25,000 in bodily injury liability insurance per person, $50,000 per accident, and $25,000 for property damage liability.

What car insurance companies in Broken Arrow are known for exceptional customer service and fast claims processing?

State Farm and Progressive are strong in customer service and claims handling, so they are good options for coverage in Broken Arrow.

What steps should I take to get the cheapest auto insurance in Broken Arrow based on my driving habits?

Use programs like Progressive’s Snapshot or Nationwide’s SmartRide, which reward good driving habits. Maintaining a clean record and driving fewer miles can also reduce rates.

How can I identify the cheapest car insurance in Broken Arrow while ensuring sufficient coverage?

Compare quotes for both minimum and full coverage options. Look for discounts and raise your auto insurance deductible to lower premiums while ensuring proper protection.

How does Allstate in Broken Arrow compare to other providers regarding car insurance options and pricing?

Allstate in Broken Arrow, OK, offers competitive pricing and a range of discounts. While it may not always be the cheapest auto insurance, its broad coverage options and customer service make it a solid choice.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption