Broken Arrow drivers pay an average of $2,275/year — $504 more than the national average. With 1,596 crashes per year and a 2.6 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $547/year.
(888) 217-6781Estimated full coverage auto insurance rates for Broken Arrow, OK from top carriers. Rates are adjusted for Broken Arrow's 1,596 annual crashes, 2.6 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $862 | $144/mo |
| Oklahoma Farm Bureau | $922 | $154/mo |
| Progressive | $970 | $162/mo |
| State Farm | $1,066 | $178/mo |
| Allstate | $1,293 | $216/mo |
Estimates based on 2026 rate filings for ZIP 74012. GEICO is cheapest at ~$144/mo. Actual rates vary by driver profile and exact Broken Arrow location.
These Broken Arrow-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Broken Arrow, OK. Takes under 2 minutes.
(888) 217-6781Broken Arrow is a mid-size city in Oklahoma with a population of 113,540. While it avoids the extreme congestion of larger metros, Broken Arrow has its own risk factors — growing commuter traffic, expanding development, and tornadoes, severe thunderstorms, hail, ice storms, flooding — that shape local auto insurance rates. Drivers in Broken Arrow typically pay close to the Oklahoma state average, with significant variation by ZIP code and neighborhood.
For official Oklahoma insurance regulations, visit the Oklahoma Insurance Department. For driver licensing, see the Oklahoma Motor Vehicle Division.
Your specific ZIP code within Broken Arrow can swing your premium by hundreds of dollars. Here's how rates compare across Broken Arrow neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 74024 | Broken Arrow South Side | $2,180/yr | $182/mo |
| 74013 | Broken Arrow North Side | $2,214/yr | $185/mo |
| 74024 | Broken Arrow West Side | $2,245/yr | $187/mo |
| 74022 | Broken Arrow East Side | $2,356/yr | $196/mo |
| 74012 | Broken Arrow Downtown/Central | $2,475/yr | $206/mo |
The cheapest ZIP is 74024 (Broken Arrow South Side) at $2,180/yr. The most expensive is 74012 (Broken Arrow Downtown/Central) at $2,475/yr — a $295/year difference for the same driver.
Your Broken Arrow ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Broken Arrow. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,778/yr | $398/mo | +110% vs avg |
| Young Adult (20-25) | $3,185/yr | $265/mo | +40% vs avg |
| Adult (26-35) | $2,275/yr | $190/mo | 0% vs avg |
| Mid-Career (36-50) | $2,002/yr | $167/mo | -12% vs avg |
| Senior (51-65) | $1,888/yr | $157/mo | -17% vs avg |
| 65+ | $2,025/yr | $169/mo | -11% vs avg |
Teens in Broken Arrow pay an average of $4,778/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,888/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Oklahoma cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Broken Arrow drivers can save up to $547/year. ZIP 74024 (Broken Arrow South Side) has the lowest rates starting at $2,180/yr.
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