Broken Arrow Car Insurance

The Zebra
May 30, 2018

Car Insurance in Broken Arrow

Broken Arrow premiums are $158 higher than Oklahoma's average, which is why the city is recognized for its costly premiums, so it is critical to cut costs while insuring a vehicle in Broken Arrow. Who doesn't like to save money? Check out some tips about how to save on car insurance in Broken Arrow.

  • City Average: $1,700
  • State Average: $1,542
  • National Average: $1,427

Broken Arrow Car Insurance by Credit Rating

Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you 73% each year on car insurance. In terms of percent change, the most significant benefit of better credit comes from upgrading from Very Poor (300-579) to Fair (580-669), by which drivers can save an average of 34% per year.

  • Very Poor: $5,307
  • Fair: $3,516
  • Good: $2,456
  • Very Good: $1,821
  • Exceptional: $1,439

Broken Arrow Car Insurance by Accident or Violation History

By avoiding driving mishaps that can bloat the cost of premiums, you can not only save yourself money, but become a safer driver. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. Expect your yearly car insurance payments to grow by 49% if you are found at-fault in an accident in Broken Arrow. Usually, a DUI in Broken Arrow will cost you 46% more in car insurance premiums versus the city average ($1,700). Reckless driving will also bump your premiums up, with average rates of $2,305. That is 36% higher than the city average.

  • DUI: $2,478
  • Reckless Driving: $2,305
  • At-fault Accident (damages less than $1000): $2,527
  • At-fault Accident (damages greater than $2000): $2,527
  • Speeding Ticket (16-20 mph over speed limit): $2,050

Ready to start saving?

Broken Arrow Car Insurance by Gender and Marital Status

A lot of driver traits, including marital status and gender, can have an effect on car insurance premiums in Broken Arrow. Being married, as opposed to single or divorced, can save you approximately 6% per year. Rates for those who are widowed are relatively cheaper than rates for those who are single. Unfortunately for women, their premiums tend to be 2% more costly than for men.

  • Female: $1,729
  • Male: $1,700
  • Single: $1,700
  • Married: $1,596
  • Divorced: $1,700
  • Widowed: $1,662

Broken Arrow Car Insurance by Age

In Broken Arrow, drivers see the largest decrease in premiums when they reach their 20s, as they pay an average of $4,641 less after moving out of the teenage age bracket. While premiums for drivers will continue to decrease through their 50s, they should expect an increase when they hit 60. Car insurance premiums are highest for teenage drivers, with payments that average $6,961 per year. At $1,488, drivers in their 50s have the smallest car insurance payments among any age group. People in their 60s ($1,513) aren’t paying much more.

  • Teenagers: $6,961
  • 20s: $2,319
  • 30s: $1,665
  • 40s: $1,606
  • 50s: $1,488
  • 60s: $1,513
  • 70s: $1,798

Don't forget to share!