Cheapest Car Insurance Quotes In Maricopa, AZ For 2024

When searching for the most budget-friendly car insurance in Maricopa, Arizona, there are several options to consider. However, Mercury stands out for its competitive pricing. On average, residents can obtain car insurance for approximately $37 per month, significantly below the state’s average of $120.

For individuals interested in the most economical liability-only coverage, Mercury is the top choice. On the other hand, those seeking comprehensive protection may find GEICO to offer the best rates for full coverage policies, priced at $95 per month. Additionally, Travelers provides the most affordable rates for young drivers, coming in at $100 per month.

How Much Is Car Insurance In Maricopa, AZ?

Mercury provides the most affordable car insurance in Maricopa, Arizona, with coverage available for $110 per month.

Comparatively, its rates are significantly below the average rates in both the State of Arizona and the entire United States, as illustrated in the table below:

It’s important to note that the national average cost takes into account a wide range of states with varying costs, including both high-cost states like New York, New Jersey, and California, as well as low-cost states like Mississippi, Kentucky, and Wyoming. Rates for car insurance can differ significantly based on various factors such as vehicle type, coverage amount, zip code, driving history, and more. Therefore, actual rates may vary depending on specific location and individual circumstances.

Cheapest Car Insurance Rates In Maricopa For Young Adults

Travelers provides the most affordable quotes for young adults in Maricopa, with rates averaging around $100 per month.

In Arizona, young adult drivers generally enjoy lower car insurance rates compared to teenagers. This difference in pricing is due to the development of driving habits and a decrease in risk-taking behaviors as drivers mature.

Statistics indicate that young adults are less likely to file insurance claims, reflecting a decrease in their involvement in accidents. As a result, insurers lower premiums, acknowledging the improved safety records and reduced likelihood of claims from these more experienced drivers.

Cheapest Car Insurance Rates In Maricopa For Minimum Coverage

Mercury offers the most affordable car insurance for minimum coverage in Maricopa, with an average monthly cost of $37.

The minimum car insurance policy should include at least the following coverage:

• $15,000 for bodily injury per person
• $30,000 for bodily injury per accident
• $10,000 for property damage per accident

Opting for minimum car insurance offers some protection while driving, but it lacks collision or comprehensive coverage. This means damages to your vehicle in accidents or incidents like theft and natural disasters won’t be covered.

Additionally, driving without insurance is against the law in Arizona. Failing to provide proof of insurance during a traffic stop can lead to penalties such as fines, license suspension, or other consequences.

Cheapest Car Insurance Rates In Maricopa For Seniors

Auto-Owners provides the most affordable car insurance rates for seniors in Maricopa, with average quotes around $87 per month.

In Arizona, numerous seniors may discover favorable car insurance rates, influenced by various beneficial factors. While age often plays a role in determining insurance rates, with older age sometimes linked to decreased driving ability, this stereotype doesn’t apply universally.

Cheapest Car Insurance Rates In Maricopa For Full Coverage

GEICO offers the most affordable car insurance rates for full coverage in Maricopa, with average quotes around $95 per month.

Full coverage car insurance offers comprehensive protection that extends beyond the basic coverage required by law. This type of insurance typically combines comprehensive and collision coverages.

Comprehensive coverage protects against non-collision incidents like theft, vandalism, or natural disasters, while collision coverage provides financial protection for vehicle damages resulting from accidents, regardless of who is at fault.

Cheapest Car Insurance Rates In Maricopa For Teenagers

Teenage drivers in Maricopa can secure the most affordable quotes from Travelers, with average monthly premiums of $164.

Teenage drivers typically encounter the highest car insurance premiums, primarily due to their lack of experience on the road. Insurance providers classify these young drivers as high-risk because they statistically have a higher likelihood of being involved in accidents and committing traffic violations.

Cheapest Car Insurance Rates In Maricopa For Good Drivers

In Maricopa, good drivers can discover the most affordable car insurance quotes from Mercury, averaging around $37 per month.

Drivers with clean driving records in Maricopa often receive lower car insurance rates because they are considered lower risk. Insurance companies use driving records to assess how safely a person drives. Fewer incidents such as accidents or traffic violations indicate that the driver is cautious and less likely to file a claim.

Insurance rates are determined based on the likelihood of a driver making a claim. A spotless driving record can result in substantial savings on premiums. It all boils down to risk assessment – the cleaner the record, the lower the perceived risk, and consequently, the lower the insurance cost.

Cheapest Car Insurance Rates In Maricopa For Drivers With Prior Incidents

In Maricopa, drivers with records of traffic violations, including accidents, speeding tickets, or DUIs, often encounter challenges in obtaining affordable car insurance. These driving infractions prompt insurance companies to categorize them as high-risk drivers, anticipating a greater likelihood of filing future insurance claims.

As a result, insurance providers increase their rates for these individuals to offset the risk of potentially higher claim payouts.

Cheapest Car Insurance Rates In Maricopa For Drivers With A Speeding Ticket

Auto-Owners offers very competitive rates compared to other companies, with average premiums of $75 per month.

Cheapest Car Insurance Rates In Maricopa For Drivers With An At-Fault Accident

Auto-Owners provides the most affordable car insurance quotes for drivers with an at-fault incident, boasting an average rate of $110 per month.

Cheapest Car Insurance Rates In Maricopa For Drivers After A DUI

State Farm stands out as the company offering the most affordable rates for drivers with a DUI in Maricopa, with average monthly premiums of $103.

Best Car Insurance Companies In Maricopa

When selecting a car insurance company in Maricopa, it’s essential to consider both affordability and dependable coverage. Below are the top 10 car insurance companies in Maricopa, AZ, ranked by the average monthly rate they offer:

Average Car Insurance Rates By Age In Maricopa

Age significantly impacts car insurance rates. Typically, younger drivers, especially teenagers and young adults, encounter higher insurance premiums due to their lack of experience and statistically higher likelihood of accidents and traffic violations. As drivers approach the age of 25, their rates generally begin to decrease, assuming they maintain a clean driving record.

The most favorable insurance rates are often available for drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk potential, thus adjusting premium costs accordingly.

Average Car Insurance Rates By Vehicle Type In Maricopa

The type of vehicle you drive significantly affects your car insurance costs. Insurance companies take into account factors such as the make, model, year, and body type of the car. Typically, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

On the other hand, older cars or those less expensive to repair or replace may attract lower premiums. Insurers consider these aspects because they directly impact the potential cost of claims – for example, repairs for a high-end car are generally more costly than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

How Much Is Car Insurance For Other Cities In Arizona?

The city where you live has a considerable impact on your car insurance rates. Insurance companies evaluate numerous factors related to your location, including the likelihood of accidents, vehicle theft, and vandalism rates. These risks are often higher in urban areas, resulting in increased premiums.