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How much is car insurance in Broken Arrow?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $32 a month more expensive to insure your vehicle in Broken Arrow than it is in the rest of Oklahoma.
Compared to the national average cost of auto coverage, Broken Arrow has higher rates. You can expect to pay about $26 more for your policy in Broken Arrow.
While these are the average monthly costs for auto insurance coverage in Broken Arrow, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But don't worry, we've broken down the average rate for Broken Arrow residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Broken Arrow may see their rates creep back up once they hit retirement age.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Broken Arrow defies this trend. Female drivers typically pay around $4 more per month to insure their vehicle than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay much less than those with accidents or violations. The rate for drivers in Broken Arrow with a single accident on their record is about $94 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $58.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$92|
|15 Years or Older||$118|
The cheapest vehicles to insure in Broken Arrow are usually trucks and vans, with each type typically costing about $69 per month.
Car owners will see a monthly premium of about $116, while SUV owners by and large pay around $94 a month.
Vehicle age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is around 5 years old, however, you may see your rates begin to drop back down. In Broken Arrow, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$117|
Overall, married policyholders will pay slightly less to insure their car. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Broken Arrow is no exception, with the difference totaling to around $44 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$132|
Another factor taken into consideration is your living accommodations. Renters can expect to pay around $13 a month more than those who own their own home in Broken Arrow. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Broken Arrow, OK
Recent trends in car insurance for Broken Arrow drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Broken Arrow, car insurance rates rose from 2016-2017, before steadying out in 2018. Rates began rising again in 2019, and finished down in 2021, at $91 per month.
How does Broken Arrow compare to neighboring areas?
Why are car insurance rates in Broken Arrow different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Off-street parking availability
- Local regulations
- Regional crime rates
- Total number of drivers
- Road Safety (frequency of car accidents)
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Broken Arrow?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from the many car insurance companies providing coverage in Broken Arrow.
Broken Arrow Insurance FAQs
What factors affect car insurance quotes in Broken Arrow?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Broken Arrow different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Broken Arrow?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Broken Arrow?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Broken Arrow or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.