Cheapest Car Insurance Quotes in Broken Arrow

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Broken Arrow Car Insurance

^$ 26

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Broken Arrow

The car insurance rate in Broken Arrow is $1262 for a six-month policy, which is $83 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $877, making it a popular choice for budget-conscious drivers. Rates in Broken Arrow can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Broken Arrow

$1262

Avg. Car Insurance in Oklahoma

$1179

National Average

$1140

Cheapest Car Insurance Companies in Broken Arrow

1st place: Mercury

At $877 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $921 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1023 for six months, making it the third cheapest auto insurance company in Broken Arrow.

Broken Arrow Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Broken Arrow, OK is Mercury, offering policies at just $877 for a six-month term. This is followed by USAA, which has an average six-month premium of $921.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1767 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Broken Arrow drivers find the best deals.

Cheap Car Insurance Companies in Broken Arrow, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$877	$148
USAA	$921	$155
Progressive	$1023	$172
State Farm	$1068	$180
Shelter	$1163	$196
American Farmers & Ranchers Mutual	$1297	$220
Farm Bureau	$1366	$228
Oklahoma Farm Bureau	$1373	$233
Farmers	$1449	$244
AFR Group	$1583	$269
Allstate	$1767	$297

Key Takeaways

Way's key takeaways about car insurance in Broken Arrow

The auto insurance costs in Broken Arrow fall around $877 for six months.
The cheapest auto insurance company in Broken Arrow is Mercury.
Teen drivers pay the highest rate in Broken Arrow at $45 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Broken Arrow

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Broken Arrow are given below.

Mercury provides the cheapest minimum car insurance coverage in Broken Arrow. Their Average 6 Month Premium is $153. Allstate is the most expensive at $616 for the same period.

Cheapest Liability Coverage in Broken Arrow, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$153	$26
American Farmers & Ranchers Mutual	$171	$29
USAA	$203	$34
AFR Group	$242	$41
State Farm	$255	$43
Progressive	$261	$44
Shelter	$311	$52
Oklahoma Farm Bureau	$350	$58
Farm Bureau	$387	$66
Farmers	$572	$96
Allstate	$616	$104

Cheapest Full Coverage Car Insurance in Broken Arrow

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Broken Arrow is Mercury at $148 per month and $877 for six months.

Cheapest Full Coverage Car Insurance Quotes in Broken Arrow, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$877	$148
USAA	$921	$155
Progressive	$1023	$172
State Farm	$1068	$180
Shelter	$1163	$196
American Farmers & Ranchers Mutual	$1297	$220
Farm Bureau	$1366	$228
Oklahoma Farm Bureau	$1373	$233
Farmers	$1449	$244
AFR Group	$1583	$269
Allstate	$1767	$297

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Average Car Insurance in Broken Arrow by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Broken Arrow, OK increasing?

Despite maintaining a clean driving record, your car insurance rates in Broken Arrow, Oklahoma, may be increasing due to several external factors. Oklahoma has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Broken Arrow's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Broken Arrow

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$784
30s	USAA	$608
40s	USAA	$556
50s	USAA	$534
60s	USAA	$546
70s	USAA	$630

Cheapest Car Insurance Rates for Teen Drivers in Broken Arrow,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Broken Arrow at $40 per month. At $266 for a six-month premium, American Farmers & Ranchers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AFR Group	$235	$40
Mercury	$242	$41
USAA	$1252	$211
State Farm	$1970	$332
Progressive	$2486	$418
Shelter	$3133	$528
Farm Bureau	$4086	$694
Oklahoma Farm Bureau	$4201	$700
Allstate	$4944	$832
Farmers	$7220	$1216
American Farmers & Ranchers	$266	$45

Teen Car Insurance Rates in OK by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Broken Arrow.

As young drivers face the highest rates in Broken Arrow, USAA offers the cheapest auto insurance rates at $784 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Broken Arrow, Mercury is the cheapest car insurance provider. At $203 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Broken Arrow is State Farm, offering rates of around $3534 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$203	$34
Oklahoma Farm Bureau	$343	$59
Progressive	$953	$161
USAA	$1226	$209
Farm Bureau	$1373	$229
Shelter	$2199	$373
Allstate	$2441	$407
Farmers	$3509	$597
State Farm	$3534	$589

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Save up to $971/yr on car insurance rates in Broken Arrow.

Car Insurance Rates with An Accident in Broken Arrow

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Broken Arrow, OK, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Broken Arrow

The cheapest car insurance companies after an at-fault accident in Broken Arrow include American Farmers & Ranchers Mutual and Mercury, offering $165 and $311, respectively. Farmers is an expensive provider with an average six-month premium of $2702.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$165	$28
Mercury	$311	$52
AFR Group	$387	$64
State Farm	$603	$102
USAA	$705	$119
Oklahoma Farm Bureau	$915	$154
Progressive	$1010	$170
Farm Bureau	$1494	$254
Shelter	$1526	$257
Allstate	$2460	$414
Farmers	$2702	$455

Broken Arrow Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Broken Arrow OK. For example, the car insurance in Broken Arrow after a DUI increases to $674 for a six month policy. While the rate increases by $305 for a six-month policy in the case of a speeding ticket.

Broken Arrow auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1271	$212
One comp claim	$1297	$220
One Med/PIP claim	$1297	$216
Two Med/PIP claims	$1310	$223
Not-at-fault accident	$1316	$219
Two comp claims	$1323	$225
Failure to show documents	$1405	$234
Failure to wear a seat belt	$1449	$246
Child safety restraint	$1455	$243
Driving without lights	$1455	$247
Driving with expired registration	$1481	$247
Cell phone violation	$1500	$255
Driving too slowly	$1500	$250
Speeding in school zone	$1500	$255
Texting while driving	$1500	$250
Failure to yield	$1513	$257
Failure to stop at a red light	$1519	$254
Following too closely	$1526	$259
Illegal turn	$1526	$255
Wrong way/wrong lane	$1538	$261
Improper passing	$1544	$258
In 65 MPH zone	$1570	$266
Speeding 11 - 15 MPH over limit	$1576	$263
Speeding 6 - 10 MPH over limit	$1576	$268
Passing school bus	$1583	$264
Speeding 16 - 20 MPH over limit	$1583	$269
Open container	$1608	$268
Speeding 21 - 25 MPH over limit	$1621	$276
At-fault accident - less than $1000	$1627	$271
Operating a vehicle without permission	$1716	$292
At-fault accident - $1000-$2000	$1729	$288
At-fault accident - greater than $2000	$1729	$294
Reckless driving	$1875	$312
Refusal to submit to a chemical test	$1920	$326
DUI	$1945	$324
Racing	$2002	$340
Driving with a suspended license	$2110	$352
Leaving scene of an accident/hit and run	$2110	$358

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Broken Arrow after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Broken Arrow.

The cheapest car insurance premiums in Broken Arrow are offered by Mercury at $286 for a six-month policy. However, it can be as expensive as $2447 with companies like Farmers.

Broken Arrow car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$286	$48
Progressive	$724	$122
State Farm	$915	$154
USAA	$1061	$179
Shelter	$1729	$291
Oklahoma Farm Bureau	$2097	$350
Farm Bureau	$2155	$366
Allstate	$2301	$387
Farmers	$2447	$412

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Broken Arrow are offered by Mercury at $223. However, it can be as expensive as $2930 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Broken Arrow after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$223	$37
Oklahoma Farm Bureau	$311	$52
State Farm	$540	$91
Progressive	$756	$127
USAA	$826	$138
Shelter	$1297	$220
Farm Bureau	$1366	$228
Allstate	$1868	$318
Farmers	$2930	$488

Car Insurance Price Trends in Broken Arrow, Oklahoma

Car insurance rates in Broken Arrow have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Broken Arrow rose by $238 in December compared to $233 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Broken Arrow rose to $50 in December, compared to $48 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Broken Arrow?

The car insurance in Broken Arrow is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Broken Arrow?

The cheapest car insurance in Broken Arrow is $148 per month for full coverage.

How much is car insurance in Broken Arrow for teenagers?

Car insurance for teenagers costs $235 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Broken Arrow?

The average cost of car insurance is $1179 for a six-month policy. It will cost around $213 per month to insure your car in Broken Arrow.

Is car insurance expensive in Broken Arrow?

Car insurance can be expensive in Broken Arrow if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Broken Arrow can be affordable.

Cheapest Car Insurance Quotes in Broken Arrow

Why you can trust Way?

How Much Is Car Insurance in Broken Arrow

Avg. Car Insurance in Broken Arrow

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Broken Arrow

1st place: Mercury

2nd place: USAA

3rd place: Progressive

Broken Arrow Car Insurance Rates by Company

Cheap Car Insurance Companies in Broken Arrow, OK

Way's key takeaways about car insurance in Broken Arrow

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Broken Arrow

Cheapest Liability Coverage in Broken Arrow, OK

Cheapest Full Coverage Car Insurance in Broken Arrow

Cheapest Full Coverage Car Insurance Quotes in Broken Arrow, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Broken Arrow by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Broken Arrow, OK increasing?

Car Insurance Premiums by Age in Broken Arrow

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Broken Arrow,OK

If you are in your twenties USAA is the best choice for car insurance in Broken Arrow.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Broken Arrow

Cheapest Car Insurance Companies after an At-Fault Accident in Broken Arrow

Broken Arrow Car Insurance Rates by Violation

Broken Arrow auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Broken Arrow after a DUI

Broken Arrow car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Broken Arrow after Speeding ticket

Car Insurance Price Trends in Broken Arrow, Oklahoma

Average Car Insurance Cost in Broken Arrow by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Broken Arrow, OK

Car Insurance Rates by State in the USA (2025 Update)

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