Car Insurance in Broken Arrow, Oklahoma
Estimated full coverage in Broken Arrow runs about $1,590 a year ($132/month) — ▲ +10% versus the Oklahoma average, ranking 3rd most expensive of the 9 Oklahoma cities we cover.
Why car insurance in Broken Arrow costs more than the Oklahoma average
Insurers price by territory, and Broken Arrow's numbers explain most of the gap. With 122,756 residents on 63.0 square miles, the city's density (1,950 people per square mile) is 6.2 times the density where the typical Oklahoma resident lives (317). The average commute is 21.9 minutes (Oklahoma: 22.4), and 79% of workers drive alone. Together these put our location factor at 1.10× the state baseline for liability and collision, and 1.11× for comprehensive once FEMA weather risk for Tulsa County is included.
| Factor | Broken Arrow | Oklahoma ref. | Why it matters |
|---|---|---|---|
| Population density | 1,950 / sq mi | 317 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 21.9 min | 22.4 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 3.7% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 79.1% | — | Share of workers commuting by car. |
| Public transit to work | 0.0% | — | Transit use lowers how much residents drive. |
| Work from home | 11.4% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 2.4% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 88.2 | 86.1 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Broken Arrow
Rates can change from one ZIP code to the next. Across 3 Broken Arrow ZIP codes, our full-coverage estimate ranges from $1,505 in 74014 to $1,600 in 74012. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 74012 | 65,060 | 2,621 | 20.9 min | 2.7% | $1,600 | +1% |
| 74014 | 45,212 | 431 | 24.6 min | 1.1% | $1,505 | −5% |
| 74011 | 33,900 | 1,421 | 22.1 min | 2.1% | $1,565 | −2% |
Minimum car insurance in Broken Arrow
Broken Arrow drivers follow Oklahoma's rules: at least 25/50/25 liability coverage. Oklahoma is at-fault (tort). We estimate state-minimum coverage in Broken Arrow at $520 a year, and $750 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Oklahoma does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured/underinsured motorist coverage is not mandatory, but insurers must offer it; declining it requires a signed rejection form. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Offered together with uninsured motorist coverage (minimum 25/50 if purchased). | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Broken Arrow premiums
Accidents
Oklahoma recorded 645 traffic deaths, or 1.39 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Oklahoma's vehicle theft rate is 195 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Tulsa County as relatively high for hail, relatively high for inland flooding and very high for strong wind, and very low for hurricanes.
Traffic & commuting
3.7% of Broken Arrow commuters spend an hour or more getting to work, and there are 2.00 vehicles per household. 11.4% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 98.4 | Comprehensive (car); roof claims (home) | |
| Tornado | 99.1 | Comprehensive; dwelling | |
| Hurricane | 46.4 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 97.9 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 99.4 | Comprehensive; dwelling | |
| Winter weather | 89.4 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Broken Arrow by driver profile
A clean-record driver in their 50s pays the least in our Broken Arrow model (about $1,460 for full coverage); an 18-year-old on their own policy pays about $4,370, and a DUI pushes a 30-something to $2,940.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,425 | $2,070 | $4,370 | $364 |
| Young adult (22) | $830 | $1,205 | $2,540 | $212 |
| Adult in their 30s | $520 | $750 | $1,590 | $133 |
| Adult in their 50s | $475 | $690 | $1,460 | $122 |
| Senior (72) | $580 | $845 | $1,780 | $148 |
| 30s, one at-fault accident | $750 | $1,090 | $2,305 | $192 |
| 30s, DUI on record | $960 | $1,390 | $2,940 | $245 |
Minimum vs. standard vs. full coverage in Broken Arrow
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $520 | $43 | $425–$610 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $750 | $63 | $615–$890 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,590 | $132 | $1,305–$1,875 |
Estimate your premium in Broken Arrow
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Cheap car insurance in Broken Arrow: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Broken Arrow's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $120 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $115 | You're among the 11.4% of Broken Arrow workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $460 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $840 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $350 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Broken Arrow
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 48 offices listed below.
- Check complaint records with the Oklahoma Insurance Department (complaint information) before you buy.
- Mention your ZIP code accurately — within Broken Arrow, our estimates differ by up to $95 a year between neighborhoods.
Car insurance agents near Broken Arrow, OK
We found 48 insurance offices within about 6 miles of central Broken Arrow, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Robert Ramsey Insurance Agency
1603 South Main Street, Broken Arrow, OK 74012 -
Ron Henderson - Allstate
421 W Washington St, Broken Arrow, OK 74012 -
Todd Brown - State Farm
405 South Main Street, Broken Arrow, OK 74012 -
Harmon Insurance
OK -
Shelter Insurance
OK -
State Farm
OK -
Steward Insurance
411 North Main Street, Broken Arrow, OK 74012 -
Allstate
OK -
Justin Voyles - Farmers Insurance
1405 E Kenosha St, Broken Arrow, OK 74012 -
Steven D Jones - Farmers Insurance
3706 S Elm Pl, Broken Arrow, OK 74011 -
Farm Bureau Insurance
OK -
Benjamin Jarvis - Allstate
1045 N 9th St, Broken Arrow, OK 74012 -
State Farm
1023 East Lansing Street, Broken Arrow, OK 74012 -
Jimmy Willis - Allstate
3400 E Houston St, Ste C, Broken Arrow, OK 74014 -
Jason Strickland - State Farm
4008 S Elm Place, Suite E, Broken Arrow, OK 74011 -
Flippo Insurance
1024 North Elm Place, , OK 74012 -
Farmers Insurance
OK -
HML Choices Insurance Agency
OK -
Randy Charles Robbins - Farmers Insurance
1314 N Elm Pl, Broken Arrow, OK 74012 -
Derby Insurance Solutions
North Sycamore Avenue, , OK 74012 -
Allstate Insurance: Chris Bonnewitz
2484 West New Orleans Street South, Broken Arrow, OK 74011 -
State Farm Insurance
709 North Aspen Avenue West, , OK 74012 -
AAA Insurance
721 West Queens Street, Broken Arrow, OK 74012 -
Blackie Gibson - State Farm
1389 N Aspen Ave, Broken Arrow, OK 74012 -
Michael E Francisco - Farmers Insurance
1101 N Kalanchoe Ave, Broken Arrow, OK 74012 -
Steve Krokstrom - State Farm
8701 South Garnett Road, Suite B, Broken Arrow, OK 74012 -
Chris Shew - Farmers Insurance
4902 W Kenosha St, Broken Arrow, OK 74012 -
Conley Olson - Allstate
7846 S Elm Pl, Broken Arrow, OK 74011 -
Farmer's Insurance
828 West Jasper Street South, Broken Arrow, OK 74011 -
Hometown Insurance
832 West Jasper Street South, Broken Arrow, OK 74011 -
Matthew Wilson - Farmers Insurance
11156 S 225th East Ave, Broken Arrow, OK 74014 -
American National
OK -
Michael Mares Agency
5727 South Garnett Road East, #G, Tulsa, OK 74146 -
State Farm
OK -
Paul Orr - Farmers Insurance
10026 S Mingo Rd, Tulsa, OK 74133 -
Metro Insurance
OK -
State Farm
OK -
Danny Doan - Allstate
7112 S Mingo Rd, Ste 105, Tulsa, OK 74133 -
Allstate
OK -
Celia T DeLeon - Farmers Insurance
6117 S Mingo Rd, Tulsa, OK 74133
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Broken Arrow
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,185 | −25% |
| Subaru Outback | Wagon | $1,200 | −25% |
| Tesla Model 3 | Midsize car | $1,655 | +4% |
| Subaru Forester | Small SUV | $1,175 | −26% |
| Honda Civic | Compact car | $1,780 | +12% |
| Toyota Corolla | Compact car | $1,665 | +5% |
| Jeep Wrangler | Midsize SUV | $1,270 | −20% |
| Mazda CX-5 | Small SUV | $1,325 | −17% |
| MINI Cooper | Subcompact car | $1,195 | −25% |
| Tesla Model Y | Midsize SUV | $1,490 | −6% |
Car insurance in nearby Oklahoma cities
- Tulsa $1,550/yr · 9 mi
- Edmond $1,560/yr · 95 mi
- Midwest City $1,620/yr · 98 mi
- Norman $1,510/yr · 104 mi
- Oklahoma City $1,545/yr · 105 mi
- Moore $1,635/yr · 107 mi
- Durant $1,425/yr · 145 mi
- Lawton $1,455/yr · 178 mi
All Oklahoma cities and state rules · Homeowners insurance in Broken Arrow
Frequently asked questions
How much is car insurance in Broken Arrow, OK?
We estimate full coverage in Broken Arrow at about $1,590 a year ($132 a month) for a driver in their 30s with a clean record, and about $520 for Oklahoma's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Broken Arrow more expensive than the Oklahoma average?
Our Broken Arrow estimate is 10% higher than the statewide figure. The model reflects a population density of 1,950 people per square mile (the typical Oklahoma resident lives at about 317) and an average commute of 21.9 minutes versus 22.4 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Broken Arrow?
Drivers in Broken Arrow follow Oklahoma law: at least 25/50/25 liability coverage.
Which ZIP code in Broken Arrow has the cheapest car insurance?
Among Broken Arrow's 3 ZIP codes, 74014 has the lowest estimate (about $1,505 a year for full coverage) and 74012 the highest (about $1,600), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Broken Arrow?
An 18-year-old with their own full-coverage policy would pay around $4,370 a year in Broken Arrow by our estimate ($1,425 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Broken Arrow?
Yes. FEMA's National Risk Index rates Tulsa County for hail (relatively high), inland (river) flooding (relatively high), and tornado (very high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Broken Arrow?
We list 48 insurance offices in and around Broken Arrow, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Oklahoma Insurance Department: Uninsured Motorist
- Oklahoma Insurance Department: A Guide to Dealing with Auto Insurance & Accidents
- Service Oklahoma: Violations, Suspensions & Reinstatements
- Oklahoma Insurance Department: File an Online Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Broken Arrow and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places