Insurance Costs in Broken Arrow, OK
Auto insurance in Broken Arrow averages $1,646 per year for full coverage, which is close to the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Broken Arrow, OK: What You Need to Know
Broken Arrow residents pay an average of $1,646 per year for full coverage auto insurance, which is 10.0% below the Oklahoma state average and Near the national average.
With a population of 113,540, Broken Arrow is a mid-size city in Oklahoma. Moderate traffic and relatively lower accident rates help keep insurance costs manageable.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,646 | $137 |
| Standard Coverage (50/100/50) | $1,350 | $112 |
| State Minimum (25/50/25) | $691 | $58 |
Homeowners Insurance in Broken Arrow, OK
The average cost of homeowners insurance in Broken Arrow is $3,231 per year ($269/month), which is 77.5% above the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Broken Arrow, OK
Renters insurance in Broken Arrow averages $252 per year ($21/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Oklahoma Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Oklahoma City | $2,012/yr | $3,421/yr |
| Tulsa | $2,048/yr | $3,548/yr |
| Norman | $1,719/yr | $3,326/yr |
| Edmond | $1,610/yr | $3,326/yr |
| Lawton | $1,920/yr | $2,915/yr |
| Moore | $1,738/yr | $3,643/yr |
| Midwest City | $1,866/yr | $3,010/yr |
| Enid | $1,683/yr | $2,788/yr |
How to Save on Insurance in Broken Arrow
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Broken Arrow can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Broken Arrow, OK?
The average cost of car insurance in Broken Arrow, OK is $1,646 per year for full coverage, or about $137 per month. Minimum coverage costs around $691 per year.
Is car insurance expensive in Broken Arrow?
Car insurance in Broken Arrow is about average for the U.S.
How much is home insurance in Broken Arrow?
Homeowners insurance in Broken Arrow costs an average of $3,231 per year. Your actual cost depends on your home's value, age, construction type, and specific location.