Cheapest Car Insurance Quotes in Avondale

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Avondale Car Insurance

^$ 50

/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 Avondale

The car insurance rate in Avondale is $1176 for a six-month policy, which is $243 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $591, making it a popular choice for budget-conscious drivers. Rates in Avondale 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 Avondale

$1176

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Avondale

1st place: Root Insurance Company

At $591 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 $779 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $815 for six months, making it the third cheapest auto insurance company in Avondale.

Avondale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Avondale, AZ is Root Insurance Company, offering policies at just $591 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $779.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1370 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Avondale drivers find the best deals.

Cheap Car Insurance Companies in Avondale, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$591	$98
Auto-Owners Insurance Co	$779	$132
Farmers	$815	$136
Mercury	$838	$142
Hartford	$876	$146
Iowa Farm Bureau	$883	$150
Travelers	$936	$158
State Farm	$1176	$198
Progressive	$1212	$204
USAA	$1220	$205
Auto-Owners	$1310	$221
Allstate	$1407	$237
The Hartford	$1677	$280
CSAA	$2545	$432
Nationwide	$1370	$228

Key Takeaways

Way's key takeaways about car insurance in Avondale

The auto insurance costs in Avondale fall around $591 for six months.
The cheapest auto insurance company in Avondale is Mercury.
Teen drivers pay the highest rate in Avondale at $1108 per month.

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Cheapest Minimum Liability Car Insurance in Avondale

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 Avondale are given below.

Mercury provides the cheapest minimum car insurance coverage in Avondale. Their Average 6 Month Premium is $300. Allstate is the most expensive at $524 for the same period.

Cheapest Liability Coverage in Avondale, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$300	$50
Travelers	$352	$59
Auto-Owners	$382	$64
Auto-Owners Insurance Co	$389	$67
Country Financial	$397	$66
USAA	$397	$67
Root Insurance Company	$404	$67
Farmers	$427	$73
Progressive	$435	$73
Iowa Farm Bureau	$449	$77
State Farm	$456	$77
Allstate	$524	$88

Cheapest Full Coverage Car Insurance in Avondale

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 Avondale is Root Insurance Company at $98 per month and $591 for six months.

Cheapest Full Coverage Car Insurance Quotes in Avondale, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$591	$98
Auto-Owners Insurance Co	$779	$132
Farmers	$815	$136
Mercury	$838	$142
Hartford	$876	$146
Iowa Farm Bureau	$883	$150
Travelers	$936	$158
State Farm	$1176	$198
Progressive	$1212	$204
USAA	$1220	$205
Auto-Owners	$1310	$221
Allstate	$1407	$237
The Hartford	$1677	$280
CSAA	$2545	$432
Nationwide	$1370	$228

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Average Car Insurance in Avondale 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 Avondale, AZ increasing?

Despite maintaining a clean driving record, your car insurance rates in Avondale, 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, Avondale's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Avondale

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	USAA	$679
40s	USAA	$619
50s	USAA	$586
60s	USAA	$602
70s	USAA	$712

Cheapest Car Insurance Rates for Teen Drivers in Avondale,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Avondale at $60 per month. At $6647 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$359	$60
Travelers	$359	$60
Root Insurance Company	$412	$71
Progressive	$427	$71
USAA	$435	$74
Country Financial	$464	$77
State Farm	$464	$78
Allstate	$524	$88
Farmers	$524	$89
Auto-Owners Insurance Co	$532	$88
Iowa Farm Bureau	$554	$95
Auto-Owners	$3144	$524
CSAA	$6647	$1108

Teen Car Insurance Rates in AZ by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Avondale.

As young drivers face the highest rates in Avondale, USAA offers the cheapest auto insurance rates at $679 for six months.

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 Avondale, Mercury is the cheapest car insurance provider. At $344 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 Avondale is Hartford, offering rates of around $823 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$344	$58
Travelers	$435	$74
Root Insurance Company	$517	$86
Progressive	$524	$89
Country Financial	$554	$92
Farmers	$621	$106
Nationwide	$636	$106
Allstate	$711	$121
Iowa Farm Bureau	$809	$135
Hartford	$823	$140

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Car Insurance Rates with An Accident in Avondale

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 Avondale, AZ, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Avondale include Root Insurance Company and Country Financial, offering $509 and $517, respectively. CSAA is an expensive provider with an average six-month premium of $4132.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$509	$84
Country Financial	$517	$88
Auto-Owners Insurance Co	$606	$101
Travelers	$606	$102
State Farm	$809	$136
Noblr	$853	$145
Root	$929	$155
USAA	$980	$165
General Casualty	$1160	$193
Progressive	$1168	$197
Auto-Owners	$1662	$277
Farmers	$1714	$289
Mercury	$1782	$300
Allstate	$1818	$306
Farm Bureau Mutual (IA Group)	$1841	$307
Metromile	$2095	$357
General Agents Group	$2357	$393
Country	$2492	$423
The Hartford	$2642	$440
Encompass	$2709	$461
Nationwide	$2912	$485
Safeway	$3315	$563
Permanent General	$3585	$597
MetLife	$4086	$694
CSAA	$4132	$688

Avondale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Avondale AZ. For example, the car insurance in Avondale after a DUI increases to $1520 for a six month policy. While the rate increases by $308 for a six-month policy in the case of a speeding ticket.

Avondale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1474	$246
One Med/PIP claim	$1474	$251
Not-at-fault accident	$1482	$247
One comp claim	$1542	$262
Two Med/PIP claims	$1542	$257
Two comp claims	$1601	$272
Failure to wear a seat belt	$1685	$281
Child safety restraint	$1751	$297
Driving without lights	$1751	$292
Failure to show documents	$1751	$297
Speeding 6 - 10 MPH over limit	$1782	$297
Driving too slowly	$1848	$314
Speeding 11 - 15 MPH over limit	$1848	$309
Speeding in school zone	$1848	$314
Driving with expired registration	$1864	$311
Speeding 16 - 20 MPH over limit	$1864	$316
Cell phone violation	$1871	$312
Failure to stop at a red light	$1871	$319
Failure to yield	$1871	$312
Following too closely	$1871	$319
Illegal turn	$1871	$312
Texting while driving	$1871	$319
Wrong way/wrong lane	$1871	$312
Improper passing	$1901	$324
Speeding 21 - 25 MPH over limit	$1924	$320
In 65 MPH zone	$1953	$333
Passing school bus	$1976	$329
At-fault accident - less than $1000	$2029	$345
Operating a vehicle without permission	$2133	$355
At-fault accident - $1000-$2000	$2192	$373
At-fault accident - greater than $2000	$2223	$370
Open container	$2335	$397
Reckless driving	$2589	$432
Driving with a suspended license	$2672	$455
DUI	$2994	$499
Refusal to submit to a chemical test	$2994	$509
Racing	$3061	$510
Leaving scene of an accident/hit and run	$3076	$523

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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 Avondale 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 Avondale.

The cheapest car insurance premiums in Avondale are offered by Mercury at $397 for a six-month policy. However, it can be as expensive as $2253 with companies like Nationwide.

Avondale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$397	$68
Root Insurance Company	$449	$74
Country Financial	$562	$96
Travelers	$688	$116
Progressive	$696	$117
Hartford	$703	$117
State Farm	$741	$125
Farmers	$1130	$190
USAA	$1504	$253
Allstate	$2230	$372
Nationwide	$2253	$383

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 Avondale are offered by AutoOwners Insurance Co at $389. However, it can be as expensive as $524 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Avondale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$389	$67
State Farm	$397	$66
Travelers	$397	$68
Mercury	$427	$71
Progressive	$456	$78
Country Financial	$464	$77
Root Insurance Company	$509	$87
Farmers	$524	$87

Car Insurance Price Trends in Avondale, Arizona

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

The average cost of full coverage in the Avondale rose by $152 in December compared to $149 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Avondale rose to $68 in December, compared to $66 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Avondale?

The car insurance in Avondale is $50 per month, which is lower than the national average.

What is the cheapest car insurance in Avondale?

The cheapest car insurance in Avondale is $98 per month for full coverage.

How much is car insurance in Avondale for teenagers?

Car insurance for teenagers costs $359 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 Avondale?

The average cost of car insurance is $933 for a six-month policy. It will cost around $198 per month to insure your car in Avondale.

Is car insurance expensive in Avondale?

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

What is the best car insurance in Avondale, AZ?

The best car insurance company in Avondale AZ is Root Insurance Company, offering $591 for a six-month policy.