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Cheapest car insurance in Broken Bow, Oklahoma (Nov 2024)
Cheapest car insurance in Broken Bow, Oklahoma (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Broken Bow, Oklahoma.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Bonnie Stinson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance in Broken Bow
- Best car insurance companies in Broken Bow
- Best cheap car insurance quotes in Broken Bow
- Average cost of car insurance in Broken Bow
- Car insurance quotes in Broken Bow by rating factors
- How do different factors impact your car insurance costs in Broken Bow?
- Cheap car insurance quotes in Broken Bow after driving violations
- Cheap car insurance quotes in Broken Bow by age
- Cheap car insurance quotes in Broken Bow based on insurance history
- Cheap car insurance quotes in Broken Bow for popular cars
- How to lower car insurance costs in Broken Bow
- FAQ
- Methodology
- Meet our experts
Load full table of contents
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 company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $95 | Hallie, 57 Zip: 74728 | Volkswagen Jetta SE | • State Minimum Liability • Comp / Collision |
| AAA | $324 | Amanda, 27 Zip: 74728 | Ford Edge Limited | • State Minimum Liability • Comp / Collision |
Gainsco | $129 | Beulah, 26 Zip: 74728 | Chevrolet Malibu | • State Minimum Liability |
Last Updated Nov 26, 2024Best 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 company | Overall rating | Price | Claims experience | Customer 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 |
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.
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:
- $25,000 per person inbodily injury liability
- $50,000 per accident in bodily injury liability
- $25,000 per accident inproperty damage liability
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.
Gainsco
Beulah (26 years old)
$129
per month
Lillie (57 years old)
$112
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:- Collision coverage: Collision-related damages like car crashes or hitting a stationary object
- Comprehensive coverage: Non-collision related damages like vandalism, storm damage, and theft
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 coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $95 | Hallie, 57 Zip: 74728 | Volkswagen Jetta SE |
• State Minimum Liability • Comp / Collision | AAA | $324 | Amanda, 27 Zip: 74728 | Ford Edge Limited |
• State Minimum Liability • Comp / Collision | Mercury | $98 | Henry, 28 Zip: 74728 | Nissan Altima 2.5 |
• 100,000/300,000 Liability • Comp / Collision | Clearcover | $158 | Austin, 32 Zip: 74728 | Chevrolet Silverado K1500 LT |
Last Updated Nov 26, 2024Cheap 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.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
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?
How do different factors impact your car insurance costs in Broken Bow?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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
To ensure you don’t overpay, follow the example of these Broken Bow drivers who used Jerry to find coverage after a speeding ticket.
Last Updated Nov 24, 2024Cheapest 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.
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 type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $142 | Harvey, 25 Zip: 74728 | Chevrolet Malibu | • State Minimum Liability |
Not At Fault | AAA | $324 | Jesus, 26 Zip: 74728 | Ford Edge Limited | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Clearcover | $191 | Addie, 26 Zip: 74728 | Ford Edge Limited | • State Minimum Liability • Comp / Collision |
Last Updated Nov 26, 2024Cheapest 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.
Last Updated Nov 21, 2024Cheap 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.
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.Leila (66 years old)
$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.
Jason (25 years old)
$142
per month
Clearcover
Martin (31 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Broken Bow, OK (Zip Code: 74728)
$158
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I have had great service with Safeco and great prices
Milynn
Quick and easy to understand quotes. Very reasonably priced and great coverage! So glad I found AAA! Plan on being a lifer!
Ashley
Allstate is a great company and I love the different discounts they give you to help you keep rates low.
Veronica
Great, competitive rates. They work within your price range.
Lacreitia
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 Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
550 - 659 | Progressive | $210 | Wayne, 24 Zip: 74728 | Toyota Corolla | • 50,000/100,000 Liability • Comp / Collision |
< 550 | Gainsco | $129 | Steve, 25 Zip: 74728 | Chevrolet Malibu | • State Minimum Liability |
Last Updated Nov 25, 2024Cheap car insurance quotes in Broken Bow for popular cars
The risk profile of your vehicle is a key factor in determining your rates. Models with better safety features, cheaper replacement costs, and lower theft rates come with affordable premiums.
In Broken Bow, here are some of the most popular models:
And the cost of coverage that most drivers in OK pay for their vehicle:
Last Updated Nov 20, 2024How 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.
- Bundlingdiscounts: 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
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.
Kianna Walpole
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.
Josh Damico
Head Of Insurance Operations
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.