Cheapest Car Insurance Quotes in Anthem

Finding the cheapest car insurance quotes in Anthem shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Anthem Car Insurance

^$ 48

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Anthem

The car insurance rate in Anthem is $1210 for a six-month policy, which is $193 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $558, making it a popular choice for budget-conscious drivers. Rates in Anthem can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Anthem

$1210

Avg. Car Insurance in Arizona

$1017

National Average

$1278

Cheapest Car Insurance Companies in Anthem

1st place: Root Insurance Company

At $558 for a six month policy, Root Insurance Company offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $735 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $770 for six months, making it the third cheapest auto insurance company in Anthem.

Anthem Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Anthem, AZ is Root Insurance Company, offering policies at just $558 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $735.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1294 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Anthem drivers find the best deals.

Cheap Car Insurance Companies in Anthem, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$558	$95
Auto-Owners Insurance Co	$735	$123
Farmers	$770	$131
Mercury	$791	$132
Hartford	$827	$140
Iowa Farm Bureau	$834	$139
Travelers	$983	$165
USAA	$1152	$194
Progressive	$1166	$196
State Farm	$1188	$200
Auto-Owners	$1336	$225
Farm Bureau	$1731	$289
Allstate	$1803	$303
The Hartford	$1803	$303
CSAA	$2404	$408
Nationwide	$1294	$215

Key Takeaways

Way's key takeaways about car insurance in Anthem

The auto insurance costs in Anthem fall around $558 for six months.
The cheapest auto insurance company in Anthem is Mercury.
Teen drivers pay the highest rate in Anthem at $1046 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Anthem

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Anthem are given below.

Mercury provides the cheapest minimum car insurance coverage in Anthem. Their Average 6 Month Premium is $283. The Hartford is the most expensive at $728 for the same period.

Cheapest Liability Coverage in Anthem, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$283	$48
Auto-Owners Insurance Co	$368	$63
Travelers	$368	$62
Country Financial	$375	$64
Root Insurance Company	$382	$63
USAA	$389	$65
Farmers	$403	$67
Auto-Owners	$424	$71
Iowa Farm Bureau	$424	$70
State Farm	$466	$79
Progressive	$481	$81
Allstate	$608	$102
Farm Bureau	$657	$109
The Hartford	$728	$124

Cheapest Full Coverage Car Insurance in Anthem

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Anthem is Root Insurance Company at $95 per month and $558 for six months.

Cheapest Full Coverage Car Insurance Quotes in Anthem, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$558	$95
Auto-Owners Insurance Co	$735	$123
Farmers	$770	$131
Mercury	$791	$132
Hartford	$827	$140
Iowa Farm Bureau	$834	$139
Travelers	$983	$165
USAA	$1152	$194
Progressive	$1166	$196
State Farm	$1188	$200
Auto-Owners	$1336	$225
Farm Bureau	$1731	$289
Allstate	$1803	$303
The Hartford	$1803	$303
CSAA	$2404	$408
Nationwide	$1294	$215

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Anthem Instantly!

Average Car Insurance in Anthem by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Anthem, AZ increasing?

Despite maintaining a clean driving record, your car insurance rates in Anthem, Arizona, may be increasing due to several external factors. Arizona has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Anthem's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Anthem

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

undefined

Cheapest Car Insurance Rates for Teen Drivers in Anthem,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Anthem at $57 per month. At $6277 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$339	$57
Root Insurance Company	$389	$67
Country Financial	$438	$73
Farmers	$495	$84
Auto-Owners Insurance Co	$502	$83
Iowa Farm Bureau	$524	$89
Travelers	$1435	$242
USAA	$1697	$286
State Farm	$1767	$298
Progressive	$2743	$462
Allstate	$2926	$493
Farm Bureau	$4482	$762
Auto-Owners	$4517	$753
The Hartford	$5725	$973
CSAA	$6277	$1046

Teen Car Insurance Rates in AZ by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Anthem, Mercury is the cheapest car insurance provider. At $325 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Anthem is State Farm, offering rates of around $8157 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$325	$55
Root Insurance Company	$488	$83
Country Financial	$524	$87
Farmers	$587	$100
Nationwide	$601	$100
Iowa Farm Bureau	$764	$130
Hartford	$777	$130
Progressive	$1230	$207
Travelers	$1258	$212
Allstate	$2318	$390
USAA	$2325	$388
Farm Bureau	$2990	$508
The Hartford	$3697	$616
Auto-Owners	$4446	$756
State Farm	$8157	$1359

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Anthem.

Car Insurance Rates with An Accident in Anthem

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Anthem, AZ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Anthem

The cheapest car insurance companies after an at-fault accident in Anthem include Root Insurance Company and Country Financial, offering $481 and $488, respectively. CSAA is an expensive provider with an average six-month premium of $3902.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$481	$80
Country Financial	$488	$83
Auto-Owners Insurance Co	$572	$95
Noblr	$806	$137
Travelers	$841	$142
Root	$877	$149
State Farm	$897	$151
General Casualty	$1096	$187
USAA	$1123	$189
Progressive	$1286	$217
Farmers	$1618	$273
Mercury	$1683	$283
Farm Bureau Mutual (IA Group)	$1739	$290
Auto-Owners	$1873	$315
Metromile	$1979	$330
General Agents Group	$2226	$378
Country	$2354	$393
Encompass	$2559	$436
Allstate	$2587	$436
Nationwide	$2750	$468
The Hartford	$2799	$471
Safeway	$3131	$532
Farm Bureau	$3308	$551
Permanent General	$3386	$576
MetLife	$3859	$644
CSAA	$3902	$664

Anthem Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Anthem AZ. For example, the car insurance in Anthem after a DUI increases to $1435 for a six month policy. While the rate increases by $291 for a six-month policy in the case of a speeding ticket.

Anthem auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1392	$232
One Med/PIP claim	$1392	$237
Not-at-fault accident	$1399	$233
One comp claim	$1457	$248
Two Med/PIP claims	$1457	$243
Two comp claims	$1512	$257
Failure to wear a seat belt	$1591	$265
Child safety restraint	$1654	$281
Driving without lights	$1654	$276
Failure to show documents	$1654	$281
Speeding 6 - 10 MPH over limit	$1683	$281
Driving too slowly	$1746	$296
Speeding 11 - 15 MPH over limit	$1746	$292
Speeding in school zone	$1746	$296
Driving with expired registration	$1760	$294
Speeding 16 - 20 MPH over limit	$1760	$299
Cell phone violation	$1767	$295
Failure to stop at a red light	$1767	$301
Failure to yield	$1767	$295
Following too closely	$1767	$301
Illegal turn	$1767	$295
Texting while driving	$1767	$301
Wrong way/wrong lane	$1767	$295
Improper passing	$1796	$306
Speeding 21 - 25 MPH over limit	$1817	$302
In 65 MPH zone	$1845	$314
Passing school bus	$1866	$311
At-fault accident - less than $1000	$1916	$326
Operating a vehicle without permission	$2015	$336
At-fault accident - $1000-$2000	$2071	$352
At-fault accident - greater than $2000	$2099	$350
Open container	$2205	$375
Reckless driving	$2445	$408
Driving with a suspended license	$2524	$430
DUI	$2827	$471
Refusal to submit to a chemical test	$2827	$481
Racing	$2891	$482
Leaving scene of an accident/hit and run	$2905	$494

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Anthem after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Anthem.

The cheapest car insurance premiums in Anthem are offered by Mercury at $375 for a six-month policy. However, it can be as expensive as $4205 with companies like Farm Bureau.

Anthem car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$375	$62
Root Insurance Company	$424	$73
Country Financial	$531	$88
Hartford	$664	$113
Progressive	$890	$150
Travelers	$990	$167
Farmers	$1067	$180
State Farm	$1216	$205
USAA	$1717	$289
Nationwide	$2128	$362
Auto-Owners	$2799	$466
The Hartford	$3075	$522
Allstate	$3258	$549
Farm Bureau	$4205	$715

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Anthem are offered by AutoOwners Insurance Co at $368. However, it can be as expensive as $4001 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Anthem after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$368	$63
Mercury	$403	$67
Country Financial	$438	$75
Root Insurance Company	$481	$80
Farmers	$495	$84
State Farm	$954	$161
Travelers	$1060	$179
Progressive	$1067	$180
USAA	$1512	$257
Auto-Owners	$1548	$258
Farm Bureau	$2354	$400
The Hartford	$2679	$446
Allstate	$4001	$681

Car Insurance Price Trends in Anthem, Arizona

Car insurance rates in Anthem have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Anthem rose by $250 in February compared to $144 of January. In other words, there has been an increase by $106 when you compare February and January.

The average cost of liability insurance in the Anthem rose to $75 in February, compared to $64 in January. This represents an increase of $11 when comparing February and January.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Anthem?

The car insurance in Anthem is $48 per month, which is lower than the national average.

What is the cheapest car insurance in Anthem?

The cheapest car insurance in Anthem is $95 per month for full coverage.

How much is car insurance in Anthem for teenagers?

Car insurance for teenagers costs $339 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Anthem?

The average cost of car insurance is $1017 for a six-month policy. It will cost around $203 per month to insure your car in Anthem.

Is car insurance expensive in Anthem?

Car insurance can be expensive in Anthem if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Anthem can be affordable.

What is the best car insurance in Anthem, AZ?

The best car insurance company in Anthem AZ is Root Insurance Company, offering $558 for a six-month policy.