Cheapest Car Insurance Quotes in Avra Valley

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Avra Valley Car Insurance

^$ 42

/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 Avra Valley

The car insurance rate in Avra Valley is $989 for a six-month policy, which is $56 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $497, making it a popular choice for budget-conscious drivers. Rates in Avra Valley 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 Avra Valley

$989

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Avra Valley

1st place: Root Insurance Company

At $497 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 $655 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $686 for six months, making it the third cheapest auto insurance company in Avra Valley.

Avra Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Avra Valley, AZ is Root Insurance Company, offering policies at just $497 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $655.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1152 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Avra Valley drivers find the best deals.

Cheap Car Insurance Companies in Avra Valley, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$497	$83
Auto-Owners Insurance Co	$655	$111
Farmers	$686	$114
Mercury	$705	$120
Hartford	$737	$123
Iowa Farm Bureau	$743	$126
Travelers	$788	$133
State Farm	$989	$166
Progressive	$1020	$172
USAA	$1026	$173
Auto-Owners	$1102	$186
Allstate	$1184	$199
The Hartford	$1411	$235
CSAA	$2141	$364
Nationwide	$1152	$192

Key Takeaways

Way's key takeaways about car insurance in Avra Valley

The auto insurance costs in Avra Valley fall around $497 for six months.
The cheapest auto insurance company in Avra Valley is Mercury.
Teen drivers pay the highest rate in Avra Valley at $932 per month.

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Cheapest Minimum Liability Car Insurance in Avra Valley

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 Avra Valley are given below.

Mercury provides the cheapest minimum car insurance coverage in Avra Valley. Their Average 6 Month Premium is $252. Allstate is the most expensive at $441 for the same period.

Cheapest Liability Coverage in Avra Valley, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$252	$42
Travelers	$296	$50
Auto-Owners	$321	$54
Auto-Owners Insurance Co	$328	$56
Country Financial	$334	$55
USAA	$334	$56
Root Insurance Company	$340	$56
Farmers	$359	$61
Progressive	$366	$61
Iowa Farm Bureau	$377	$65
State Farm	$384	$65
Allstate	$441	$74

Cheapest Full Coverage Car Insurance in Avra Valley

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 Avra Valley is Root Insurance Company at $83 per month and $497 for six months.

Cheapest Full Coverage Car Insurance Quotes in Avra Valley, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$497	$83
Auto-Owners Insurance Co	$655	$111
Farmers	$686	$114
Mercury	$705	$120
Hartford	$737	$123
Iowa Farm Bureau	$743	$126
Travelers	$788	$133
State Farm	$989	$166
Progressive	$1020	$172
USAA	$1026	$173
Auto-Owners	$1102	$186
Allstate	$1184	$199
The Hartford	$1411	$235
CSAA	$2141	$364
Nationwide	$1152	$192

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Average Car Insurance in Avra Valley 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 Avra Valley, AZ increasing?

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

Car Insurance Premiums by Age in Avra Valley

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	$571
40s	USAA	$520
50s	USAA	$493
60s	USAA	$507
70s	USAA	$599

Cheapest Car Insurance Rates for Teen Drivers in Avra Valley,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Avra Valley at $51 per month. At $5592 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$302	$51
Travelers	$302	$51
Root Insurance Company	$347	$59
Progressive	$359	$59
USAA	$366	$63
Country Financial	$390	$65
State Farm	$390	$66
Allstate	$441	$74
Farmers	$441	$75
Auto-Owners Insurance Co	$447	$74
Iowa Farm Bureau	$466	$80
Auto-Owners	$2645	$441
CSAA	$5592	$932

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 Avra Valley.

As young drivers face the highest rates in Avra Valley, USAA offers the cheapest auto insurance rates at $571 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 Avra Valley, Mercury is the cheapest car insurance provider. At $289 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 Avra Valley is Hartford, offering rates of around $692 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$289	$49
Travelers	$366	$63
Root Insurance Company	$435	$72
Progressive	$441	$75
Country Financial	$466	$77
Farmers	$523	$89
Nationwide	$535	$89
Allstate	$598	$102
Iowa Farm Bureau	$681	$113
Hartford	$692	$118

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Car Insurance Rates with An Accident in Avra Valley

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

Cheapest Car Insurance Companies after an At-Fault Accident in Avra Valley

The cheapest car insurance companies after an at-fault accident in Avra Valley include Root Insurance Company and Country Financial, offering $428 and $435, respectively. CSAA is an expensive provider with an average six-month premium of $3476.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$428	$71
Country Financial	$435	$74
Auto-Owners Insurance Co	$510	$85
Travelers	$510	$86
State Farm	$681	$114
Noblr	$718	$122
Root	$781	$130
USAA	$825	$139
General Casualty	$976	$162
Progressive	$983	$165
Auto-Owners	$1398	$233
Farmers	$1442	$243
Mercury	$1499	$252
Allstate	$1530	$258
Farm Bureau Mutual (IA Group)	$1549	$259
Metromile	$1763	$300
General Agents Group	$1983	$331
Country	$2097	$356
The Hartford	$2223	$370
Encompass	$2279	$388
Nationwide	$2450	$408
Safeway	$2789	$474
Permanent General	$3016	$502
MetLife	$3438	$584
CSAA	$3476	$579

Avra Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Avra Valley AZ. For example, the car insurance in Avra Valley after a DUI increases to $1279 for a six month policy. While the rate increases by $259 for a six-month policy in the case of a speeding ticket.

Avra Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1240	$207
One Med/PIP claim	$1240	$211
Not-at-fault accident	$1247	$208
One comp claim	$1297	$220
Two Med/PIP claims	$1297	$216
Two comp claims	$1347	$229
Failure to wear a seat belt	$1417	$236
Child safety restraint	$1473	$250
Driving without lights	$1473	$246
Failure to show documents	$1473	$250
Speeding 6 - 10 MPH over limit	$1499	$250
Driving too slowly	$1555	$264
Speeding 11 - 15 MPH over limit	$1555	$260
Speeding in school zone	$1555	$264
Driving with expired registration	$1568	$262
Speeding 16 - 20 MPH over limit	$1568	$266
Cell phone violation	$1574	$263
Failure to stop at a red light	$1574	$268
Failure to yield	$1574	$263
Following too closely	$1574	$268
Illegal turn	$1574	$263
Texting while driving	$1574	$268
Wrong way/wrong lane	$1574	$263
Improper passing	$1600	$272
Speeding 21 - 25 MPH over limit	$1619	$269
In 65 MPH zone	$1643	$280
Passing school bus	$1662	$277
At-fault accident - less than $1000	$1707	$290
Operating a vehicle without permission	$1795	$299
At-fault accident - $1000-$2000	$1844	$314
At-fault accident - greater than $2000	$1870	$312
Open container	$1964	$334
Reckless driving	$2178	$364
Driving with a suspended license	$2248	$383
DUI	$2519	$420
Refusal to submit to a chemical test	$2519	$428
Racing	$2575	$429
Leaving scene of an accident/hit and run	$2587	$440

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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 Avra Valley 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 Avra Valley.

The cheapest car insurance premiums in Avra Valley are offered by Mercury at $334 for a six-month policy. However, it can be as expensive as $1895 with companies like Nationwide.

Avra Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$334	$57
Root Insurance Company	$377	$63
Country Financial	$473	$81
Travelers	$579	$98
Progressive	$585	$99
Hartford	$591	$99
State Farm	$623	$105
Farmers	$951	$160
USAA	$1266	$213
Allstate	$1876	$313
Nationwide	$1895	$322

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 Avra Valley are offered by AutoOwners Insurance Co at $328. However, it can be as expensive as $441 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Avra Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$328	$56
State Farm	$334	$55
Travelers	$334	$57
Mercury	$359	$59
Progressive	$384	$66
Country Financial	$390	$65
Root Insurance Company	$428	$73
Farmers	$441	$73

Car Insurance Price Trends in Avra Valley, Arizona

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

The average cost of full coverage in the Avra Valley rose by $128 in December compared to $125 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 Avra Valley rose to $57 in December, compared to $55 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 Avra Valley?

The car insurance in Avra Valley is $42 per month, which is lower than the national average.

What is the cheapest car insurance in Avra Valley?

The cheapest car insurance in Avra Valley is $83 per month for full coverage.

How much is car insurance in Avra Valley for teenagers?

Car insurance for teenagers costs $302 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 Avra Valley?

The average cost of car insurance is $933 for a six-month policy. It will cost around $166 per month to insure your car in Avra Valley.

Is car insurance expensive in Avra Valley?

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

What is the best car insurance in Avra Valley, AZ?

The best car insurance company in Avra Valley AZ is Root Insurance Company, offering $497 for a six-month policy.