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Are you in need of cheap auto insurance in Broken Arrow, OK? From AutoInsuranceEZ.com, you’ll find the lowest cost insurance rates within your town. To get free car insurance estimates offered by the top rated providers now, key your local zipcode in the quote box here on this page.

Broken Arrow is located to the north and east of Tulsa, of which it is considered a suburb. Its origins can be traced back to the Missouri-Kansas-Texas Railroad Company which sold the land to settlers in 1902. Although Broken Arrow started out with an agrarian economy in its early days, the economic climate is now highly diversified and includes a significant manufacturing base.

  • Fun fact: you can breathe a sigh of relief, because Broken Arrow is #62 on the list of “Top 100 safest cities (lowest city-data.com crime index) (pop. 50,000+)”. Read up on Broken Arrow by visiting here.

Auto Insurance Coverage Requirements in Oklahoma

Driving legally in Broken Arrow requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 25,000/50,000
Property Damage Liability 25,000 25,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000
Medical Payments Not required 2,000
Collision Not required 500 deductible
Comprehensive Not required 500 deductible

If you think Liability coverage will be enough, give that decision a little extra thought. After all, Liability coverage only pays out claims if the incident was something you were deemed liable for. Which means that if someone hits you, or an act of nature damages your vehicle, you are 100% responsible for those costs. Your insurance company won’t pay a dime.

As you may already know, average Oklahoma monthly premiums can be quite high – somewhere in the neighborhood of $131 per month. But even in Broken Arrow, you can find low rates for $36/mo* or less. You just have to know what discounts to look for when you shop around for Oklahoma car insurance.

Average Monthly Auto Insurance Premiums Legend: Broken Arrow Oklahoma Farmers Union State Farm OK Farm Bureau Mercury Allstate 5 10 15 20 25 30 35 40 45 50 55 60 65 $36 $44 $66 $59 $69

 

Oklahoma Farmers Union and State Farm are offering some impressively low rates on automotive insurance policies for Broken Arrow residents. But if you’re thinking about switching providers, understand that there’s more to choosing a company than a low rate. Customer service is important too, as well as their claims process.

Auto insurance providers consider numerous factors when figuring out insurance rates, among them marital status, geography, credit score/rating, education, and multiple cars and drivers. And also remember that rates will differ greatly depending on the carrier you select. To verify you are still receiving the cheapest available rate, review cheap Broken Arrow auto insurance prices on the internet.

Major Car Insurance Factors in Broken Arrow

There is a range of numerous things which could factor into the rate quotes you are given. While many specific factors aren’t actually anything you can do something about, a few of them are elements which you can change for the better. Here are a few components which may affect your automobile insurance premium:

  • Your Zip Code

In many cases, the least expensive car insurance will normally be found in cities with a lesser population density. Because there are less automobiles driving the road, you will find fewer opportunities to become involved in a significant auto accident with a different driver. The populace of Broken Arrow is actually 103,500 and the common household earnings are $65,973.

Auto Insurance by Zip Code Legend: Oklahoma City Broken Arrow Tulsa Norman Lawton Oklahoma Farmers Union State Farm OK Farm Bureau Mercury Allstate 5 10 15 20 25 30 35 40 45 50 55 60 65 70 75 $39 $36 $40 $29 $24 $39 $44 $44 $39 $34 $67 $66 $76 $67 $54 $57 $59 $62 $56 $45 $74 $69 $76 $65 $55

 

  • Automotive Accidents

If your zip code has high accident rates, then odds are you will have to face higher insurance premiums than drivers in nearby cities. Take a look at the chart below, and talk to your insurance company about safe driver discounts if you think these numbers may be influencing your rate.

Fatal Accidents in Broken Arrow, OK Legend: Broken Arrow Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 2 4 6 8 10 12 14 16 7 10 2 8 16

 

  • Auto Thefts in Broken Arrow

Residing in a major city (Especially any having a high crime rate) increases your risk of becoming a target for auto thieves. In cases where your regular location has substantial rates of auto theft claims filed, you can expect to spend a lot more for your auto insurance in order to balance out these prices. The actual total amount of stolen vehicles for the year 2013 was 135 in Broken Arrow. To protect yourself from rising rates, make sure you can get some Comprehensive coverage put on your auto policy.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Oklahoma Farmers Union State Farm OK Farm Bureau Mercury Allstate 15 30 45 60 75 90 105 120 135 150 165 $36 $117 $44 $115 $66 $172 $59 $120 $69 $141

 

  • Your Credit Score

Auto insurance providers put a lot of stock into your credit score. The better your credit, the lower your rate will be. However, having a poor credit score can significantly raise your rates. As you can see in the chart, some companies will charge you double (or more) than someone with excellent credit.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Oklahoma Farmers Union State Farm OK Farm Bureau Mercury Allstate 10 20 30 40 50 60 70 80 90 $32 $64 $38 $72 $49 $68 $53 $78 $63 $91

 

  • Your Age

As you can see from the chart below, young teenage drivers get charged significantly higher rates. Their youth, as well as their lack of driving experience, make them much more risky to insure. However, teenage drivers can try to alleviate some of this financial burden by looking into a Good Student discount, or taking additional driver education courses.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Oklahoma Farmers Union State Farm OK Farm Bureau Mercury Allstate 50 100 150 200 250 300 350 $36 $115 $44 $173 $66 $254 $59 $388 $69 $194

 

  • Your Driving Record

“Accident Forgiveness” is a new type of discount that more and more insurance providers are beginning to offer. It gives you the opportunity to virtually erase a minor traffic citation from your record, effectively lowering your monthly premium. It is unlikely to work for more serious violations, such as a DUI or Reckless Driving, however.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Oklahoma Farmers Union State Farm OK Farm Bureau Mercury Allstate 20 40 60 80 100 120 140 $36 $48 Do Not Sell $65 $44 $48 $48 $51 $66 $82 $156 $86 $59 $72 $68 $84 $69 $72 $83 $87

 

  • Your Vehicle

If you have the disposable income for a luxury vehicle, make sure that you also possess some luxury insurance to go with it. Because carrying the bare minimum coverage for an expensive vehicle will likely leave you holding the bill in most claim filing situations.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Oklahoma Farmers Union State Farm OK Farm Bureau Mercury Allstate 20 40 60 80 100 120 140 160 180 $36 $126 $44 $143 $66 $168 $59 $198 $69 $176

 

Minor Car Insurance Factors in Broken Arrow

The following factors might not seem like much, but managing them as best you can could lead to discounts:

  • Your Marital Status

Married couples can get all sorts of discounts – if they know how to bundle their insurance policies, that is. The most obvious choice is to bundle you and your spouse’s auto policies under the same company. And if that company offers other insurance – such as boating, homeowners, or life insurance – you can bundle those too for further discounts.

  • Your Gender

This may be hard for some people to believe, but most companies don’t charge radically different rates for male or female drivers. Many companies these days charge the exact same rate, all other circumstances being equal.

  • Your Driving Distance to Work

Average commute times in Broken Arrow usually last between 19-23 minutes, but slightly less common commutes can be as short as 10 minutes or as long as 35 minutes. Of those who travel to work by car, more than 85% will do so in their own truck or car. Less than 17% will carpool.

It doesn’t matter why you drive, or how many miles you drive each year – even though insurance companies do tend to ask such questions. In reality, your answers will only change your premiums by a few percentage points. Business vehicles, however, tend to cost around 10-13% more to insure on average.

  • Your Coverage and Deductibles

You can get additional forms of coverage added to your policy, or get covered in larger amounts, and still pay a relatively low rate if you raise your deductible. Just remember to put away part of that savings for a rainy day, in case you do ever have to file a claim.

  • Education in Broken Arrow, OK

Almost a full quarter of the population (24%) have earned their high school diploma or other equivalent in Broken Arrow, while a similar number (22%) have gone on to earn a bachelor’s degree. If you are in this minority of well-educated drivers, you’re in luck, because the more advanced your education is, the more likely it is that you will be offered lower rates on your next auto insurance policy.

You have a few different options if you are looking to enhance your level of education in Broken Arrow. The largest university is Northeastern State University, which enrolls about 3,000 students on average and offers bachelor’s and master’s level degrees. Additionally, the Tulsa Technology Center offers programs for adults who want to further their careers.

Locating reasonably priced automobile insurance can easily become a problem. The amount of information you need to review can seem overwhelming, and calculating how insurance agencies examine your risk profile may be extremely taxing. But that doesn’t mean you should settle for an expensive policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Oklahoma Insurance Department

Oklahoma Office of Management and Enterprise Services

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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