Services
Insurance
Loans
Repairs
Advice
About

Cheapest car insurance in Broken Bow, Oklahoma (Apr 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Broken Bow, Oklahoma.
compare
Find Insurance Savings
√
No long forms
√
No spam or unwanted calls
√
Quotes from top insurance companies
compare
avatar
Bonnie Stinson
Expert Insurance Writer
icon
Reviewed by Josh Damico, Vice President Insurance Operations
icon
Edited by Kianna Walpole, Expert Insurance Writer & Editor

How to find the cheapest car insurance in Broken Bow

On average, Broken Bow drivers pay approximately $58 per month for the state minimum
car insurance
, and $156 per month for full coverage. Rates in Broken Bow are about 13.9% higher than the state average.
Oklahoma drivers are finding coverage through
Jerry.
It starts with shopping around and comparing local car insurance quotes in Broken Bow, OK, and it ends with you saving money. Check out these cheap rates from real local drivers.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$142
Earl, 25
Zip: 74728
Chevrolet Malibu
• State Minimum Liability
Allstate
$190
Cornelia, 24
Zip: 74728
Toyota Corolla
• 50,000/100,000 Liability
• Comp / Collision
Mercury
$98
Minerva, 27
Zip: 74728
Nissan Altima 2.5
• State Minimum Liability
• Comp / Collision
The General
$87
Gavin, 34
Zip: 74728
Ford Escape XLT
• State Minimum Liability
coverageLast Updated Apr 17, 2024

Best car insurance companies in Broken Bow

Aspire Advantage
and
National General
earned good ratings from real Oklahoma drivers. Bigger companies like
GEICO
and
State Farm
did well, too, but their ratings were a bit more variable when it came to customer service and policy cost.
Ultimately, there is no “best” company for all Broken Bow drivers. Your unique driving record means you’re entitled to a unique rate. To know which company offers you the lowest price, you’ll have to
request quotes
from multiple providers—and Jerry can help.
Here’s the data to help you pick a company. These are ratings from real drivers for the top companies in the Broken Bow area. Ratings go from 0 to 5 across a variety of criteria. 
Insurance companyOverall ratingPriceClaims experienceCustomer service
Farmers
4.7
3.7
N/A
4.3
State Farm
4.5
3.2
N/A
4.5
Progressive
4.4
4
4.5
4.2
Allstate
4
4
3
4.2
Geico
3.7
2.4
3.7
4
Highlighticon

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Broken Bow

Minimum coverage is the cheapest way to get car insurance in Oklahoma. But it’s also the least protection. Minimum liability laws in Oklahoma mandate 25/50/25 but many drivers opt for more inclusive full coverage protection.

Cheap minimum liability insurance quotes in Broken Bow

Oklahoma requires that all drivers carry a certain level of liability coverage, summarized as 25/50/25:
Keep in mind that these coverages will only pay for damages or injuries you cause to other drivers in an accident—it will not cover your own expenses. 
card cover
Gene (29 years old)
coverageCoverage
State Minimum
locationBroken Bow, OK
(Zip Code: 74728)
carJeep Grand Cherokee Laredo
$131
per month
card cover
Minerva (27 years old)
coverageCoverage
State Minimum
locationBroken Bow, OK
(Zip Code: 74728)
$98
per month
card cover
Gainsco
Rosa (25 years old)
coverageCoverage
State Minimum
locationBroken Bow, OK
(Zip Code: 74728)
$129
per month
card cover
Gavin (34 years old)
coverageCoverage
State Minimum
locationBroken Bow, OK
(Zip Code: 74728)
$87
per month

Do you need more than minimum coverage in Broken Bow?

Legally, you don’t need more coverage. Practically, you probably need more than the minimum coverage to actually pay for costs associated with a serious accident. 
Imagine you cause an accident that totals someone’s new car. That could cost $40,000 to replace, but your policy only covers $25,000. A lengthy hospital stay could easily exceed your $50,000 limit—but you’re still legally on the hook for the other party’s costs.
Best practice is to increase your liability limits as high as you can afford. Try 50/100/50 or 100/300/100. Your monthly costs shouldn’t increase by more than a few dollars but you get way more protection.

Cheap full coverage car insurance quotes in Broken Bow

To protect others, you need liability coverage. To protect your own vehicle, you need full coverage.
Full coverage
includes repair or replacement costs for your car:
Although Oklahoma does not mandate full coverage, lenders can. If you drive a financed vehicle, you can be required to carry full coverage until your loan is completely paid off. Here’s what you can expect regarding full coverage car insurance quotes in Broken Bow, OK. 
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 50,000/100,000 Liability
• Comp / Collision
Progressive
$210
Esther, 24
Zip: 74728
Toyota Corolla
• State Minimum Liability
• Comp / Collision
AAA
$324
Melvin, 26
Zip: 74728
Ford Edge Limited
• 100,000/300,000 Liability
• Comp / Collision
Clearcover
$158
Christopher, 31
Zip: 74728
Chevrolet Silverado K1500 LT
• State Minimum Liability
• Comp / Collision
Mercury
$98
Minerva, 27
Zip: 74728
Nissan Altima 2.5
coverageLast Updated Apr 15, 2024
Cheap rates are easy to find—if you get help from a
specialized
tool like Jerry.
Jerry
is a free to download mobile app that pulls custom quotes to uncover the cheapest possible rate for your unique driver profile. It’s simple to sign up, once you choose one of the coverage options that best fits your insurance needs.
Lower my car insurance too!

Average cost of car insurance in Broken Bow

In Broken Bow, the average monthly cost for car insurance is $58 per month liability-only coverage, or $696 per year. For full coverage, most drivers pay an average of $156 per month, or $1,872 annually.
Average rates can give you a general picture, but you should expect your actual rate to be higher or lower depending on your driver profile. Your age, your vehicle make and model, and your driving history will push this average rate higher or lower.

Car insurance quotes in Broken Bow by rating factors 

Formulas for
calculating premiums
may be different depending on the provider, but most insurance companies use the following factors:
  • Age: Young drivers with less experience pay higher rates. After age 25, these rates normalize until drivers hit age 65.
  • Make and model: Some models have better safety features and lower theft rates, so they cost less to insure.
  • Location: Areas with higher risk profiles (more accidents, higher population density, more theft) come with higher insurance premiums.
  • Usage: Commuters spend more time on the road than infrequent drivers, which means more exposure to traffic accident risk.
  • Driving history: A history of traffic violations and at-fault accidents predicts future risk. Drivers with clean records pay the lowest rates for coverage in Broken Bow.

How do different factors impact your car insurance costs in Broken Bow?

icon
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
icon
Prohibited (or effectively prohibited): Oklahoma currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Broken Bow:

Cheap car insurance quotes in Broken Bow after driving violations

Rates are a direct reflection of your risk level as a driver—and violations indicate that you’re a risky driver. A single violation can bump up your rates, but a history of violations can trigger an even higher rate hike.
Here are some common infractions that will raise your rates in Broken Bow:
  • Speeding
  • DUIs
  • At fault accident 
  • Reckless driving 
  • Driving on a suspended license

Cheapest car insurance in Broken Bow after speeding ticket

Expect to pay 13% more for coverage if you have a speeding ticket on your
Oklahoma driving record
To ensure you don’t overpay, follow the example of these Broken Bow drivers who used Jerry to find coverage after a speeding ticket.
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Allstate
$79
Elijah, 32
Zip: 74728
GEO Prizm
• State Minimum Liability
• Comp / Collision
Speeding 6-10
AAA
$66
Dale, 35
Zip: 74728
Porsche Macan
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 15, 2024

Cheapest car insurance in Broken Bow after DUI

DUIs in Oklahoma
are very serious offenses. Not only will you face possible jail time, fines, and license suspension, you can expect rate hikes up to 22% above the average insurance cost.
Some companies will refuse to cover you after a DUI. But you can find affordable coverage after a DUI by shopping around, like these Broken Bow drivers did.
card cover
Leroy (45 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationBroken Bow, OK
(Zip Code: 74728)
$81
per month
card cover
Charlie (36 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationBroken Bow, OK
(Zip Code: 74728)
$78
per month

Cheapest car insurance in Broken Bow after an at-fault accident

Your personal driving record is a strong indicator of your risk to others on the road. If you’ve caused accidents in the past, you may do it again—and that’s why rates are about 15% higher for drivers with at-fault accidents in this at-fault state.
Though you can expect higher-than-average rates, you should still look for savings with Jerry like these drivers in Broken Bow did.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$142
Elva, 25
Zip: 74728
Chevrolet Malibu
• State Minimum Liability
Not At Fault
AAA
$324
Marian, 26
Zip: 74728
Ford Edge Limited
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Clearcover
$191
Trevor, 26
Zip: 74728
Ford Edge Limited
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 15, 2024

Cheapest car insurance in Broken Bow after other driving violations

Any violations can contribute to rate increases in Oklahoma, from reckless driving to rolling through a stop sign. 
Take a look at these common violations and how much Broken Bow drivers are paying for coverage, depending on their violations.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Safeco
$71
Jason, 43
Zip: 74728
Jeep Wrangler
• State Minimum Liability
Defective Equipment
Allstate
$58
Lydia, 31
Zip: 74728
Infiniti QX50
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Apr 18, 2024

Cheap car insurance quotes in Broken Bow by age

Age affects rates because it’s correlated with risk. Young drivers have less experience so they pay more—older drivers have slower reflexes so they also pay higher rates.

Cheapest car insurance in Broken Bow for young drivers

Teens
between 16 and 19 have the least driving experience, the highest accident rates, and the highest claims rates. As a result, they pay the most for insurance out of all age groups in Oklahoma.
Around age 25, young drivers will age out of this high-risk bracket. Until then, consider full coverage to protect a teen’s vehicle. Keep the teen on a parent’s policy for as long as possible to save money on coverage.
Rates for young drivers in this area vary—check out these examples from real Broken Bow drivers.
card cover
Esther (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationBroken Bow, OK
(Zip Code: 74728)
carToyota Corolla
$210
per month

Cheapest car insurance in Broken Bow for senior drivers

Although drivers in middle age enjoy affordable rates, that changes at age 65. 
Studies show that reflexes slow and hearing/vision diminish around age 65, which can lead to risky driving behavior. Additionally, seniors are more vulnerable to major injuries and lengthy (costly) hospital stays after an accident.
Despite lots of experience,
senior drivers in Oklahoma
can expect to pay high rates for coverage. Avoid overpaying by using Jerry to compare rates and find the golden price for your golden years.
card cover
Mason (65 years old)
coverageCoverage
State Minimum
locationBroken Bow, OK
(Zip Code: 74728)
carDodge Neon
$61
per month

Cheap car insurance quotes in Broken Bow based on insurance history

Continuous coverage is the best possible scenario—but lapses happen to even the safest drivers. Even if you currently have coverage, a past
lapse in insurance coverage
can increase your premiums. 
OK drivers with lapses—and drivers without current coverage—have found a policy with Jerry. Best of all, you can avoid future lapses by taking advantage of Jerry’s helpful reminders to pay on time and renew coverage.
card cover
Jerry (25 years old)
Currently Insured
coverageCoverage
State Minimum
locationBroken Bow, OK
(Zip Code: 74728)
$142
per month
card cover
Christian (26 years old)
Currently Insured
coverageCoverage
State Minimum
locationBroken Bow, OK
(Zip Code: 74728)
$324
per month
card cover
Stanley (24 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationBroken Bow, OK
(Zip Code: 74728)
carToyota Corolla
$190
per month
card cover
Connor (27 years old)
Currently Insured
coverageCoverage
State Minimum
locationBroken Bow, OK
(Zip Code: 74728)
$98
per month
card cover
Clearcover
Lettie (31 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationBroken Bow, OK
(Zip Code: 74728)
carChevrolet Silverado K1500 LT
$158
per month

Cheap car insurance quotes in Broken Bow for drivers with poor credit

Credit is an indication of financial responsibility—and companies really want to know that you’ll pay your premium on time. That’s why
poor credit drivers
in Broken Bow tend to pay more for coverage. 
You can improve your credit score to lower your rates. But until you’re a good credit driver, you can find the lowest possible rate as a low credit driver in Broken Bow by using Jerry.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
550 - 659
Progressive
$210
Angel, 24
Zip: 74728
Toyota Corolla
• 50,000/100,000 Liability
• Comp / Collision
< 550
Gainsco
$129
Duane, 25
Zip: 74728
Chevrolet Malibu
• State Minimum Liability
coverageLast Updated Apr 18, 2024

How to lower car insurance costs in Broken Bow

1. Shop around and compare quotes

Every six months, your policy is up for renewal. Did you know that formulas for calculating auto insurance rates change often? There’s no guarantee that your current company has the cheapest rate now—even if it did six months ago. 
Pull free quotes frequently to make sure you’re not overpaying. It’s simple and there’s no obligation to switch, but you might find out you are missing out on hundreds of dollars in savings.

 2. Hunt for car insurance discounts

You can get rewarded by most companies for reducing your risk. Here are some of the most common
discounts
:
  • Good student discounts: Responsibility in the classroom is correlated with responsibility behind the wheel—which means you can show proof of a B average and get a discount.
  • Bundling
    discounts: Combine your auto coverage with home insurance or renters insurance at the same company, and you’ll be rewarded with a discount on both your homeowners insurance and your motorist policy. You can do this with life insurance, too.
  • Good driver discounts: Drive safely with zero accidents for several years, and you’ll get a health discount for reducing risk.
  • Telematics discount: Agree to let the company track your driving behavior and you could see savings for safe driving habits. Most offer a discount simply for signing up.
Make sure you ask your insurance agent or insurance agency which discounts are available. They’re not always advertised publicly, and discounts can vary from state to state. 

3. Increase your deductible for comprehensive and collision coverage

Full coverage only kicks in after you pay a deductible. If you can comfortably accommodate a higher out-of-pocket payment, you can cut costs on your payment without losing any auto insurance coverage.

FAQ

How much is car insurance in Broken Bow?

Expect to pay about $58 per month for a liability-only auto insurance policy in Broken Bow, and $156 for full coverage. Average rates don’t represent every driver, however—your car insurance rates may be higher or lower. For instance, you could add non-mandatory coverage like MedPay (Medical Payments) which would raise your rates but increase your protection.
Get the lowest possible rate by asking multiple companies to quote you. Jerry makes it easy to compare rates and sign up for a new policy. 

What is the best car insurance in Broken Bow?

Nationwide
,
Progressive
, and
Kemper
receive good ratings from Broken Bow policyholders in a recent survey. But your best company might not be on this list!
State Farm insurance
,
Farmers insurance
, and Farm Bureau are all popular companies in this state.
Rates and discounts are highly individualized. The only way to know you’re getting the best policy is to choose a company that rates well for your preferred criteria (cost, claims handling, customer service).

What is the cheapest car insurance in Broken Bow?

Though the average payment is $58 per month for the state minimum, Broken Bow drivers should take 45 seconds to pull quotes from multiple companies to find the cheapest rate for their unique driving record. 
Some companies care more about moving violations whereas others care more about credit score. Don’t guess! Use Jerry to pull auto insurance quotes and find the best auto insurance policy in Broken Bow. 

What is the minimum car insurance in Broken Bow, Oklahoma?

25/50/25 is the required minimum liability coverage in Oklahoma. This means that all drivers must have at least $25,000 per person and $50,000 per accident in bodily injury, plus $25,000 in property damage liability.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
avatar
Kianna Walpole
badge icon
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.