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 $1074 for a six-month policy, which is $61 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

$1074

Avg. Car Insurance in Arizona

$1013

National Average

$1278

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, CSAA is the most expensive, with rates reaching $2141 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	$85
Auto-Owners Insurance Co	$655	$109
Farmers	$686	$117
Mercury	$705	$118
Hartford	$737	$125
Iowa Farm Bureau	$743	$124
Travelers	$876	$147
USAA	$1026	$173
Progressive	$1039	$175
State Farm	$1058	$178
Auto-Owners	$1190	$200
Farm Bureau	$1542	$258
Allstate	$1606	$270
The Hartford	$1606	$270
CSAA	$2141	$364

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 $867 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. The Hartford is the most expensive at $649 for the same period.

Cheapest Liability Coverage in Avra Valley, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$252	$42
Auto-Owners Insurance Co	$328	$56
Travelers	$328	$55
Country Financial	$334	$57
Root Insurance Company	$340	$56
USAA	$347	$58
Farmers	$359	$59
Auto-Owners	$377	$64
Iowa Farm Bureau	$377	$63
State Farm	$416	$70
Progressive	$428	$72
Allstate	$542	$91
Farm Bureau	$585	$98
The Hartford	$649	$110

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 $85 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	$85
Auto-Owners Insurance Co	$655	$109
Farmers	$686	$117
Mercury	$705	$118
Hartford	$737	$125
Iowa Farm Bureau	$743	$124
Travelers	$876	$147
USAA	$1026	$173
Progressive	$1039	$175
State Farm	$1058	$178
Auto-Owners	$1190	$200
Farm Bureau	$1542	$258
Allstate	$1606	$270
The Hartford	$1606	$270
CSAA	$2141	$364

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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

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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 $5100 for a six-month premium, The Hartford offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$302	$51
Root Insurance Company	$347	$59
Country Financial	$390	$65
Farmers	$441	$75
Auto-Owners Insurance Co	$447	$74
Iowa Farm Bureau	$466	$80
Travelers	$1278	$215
USAA	$1512	$254
State Farm	$1574	$265
Progressive	$2443	$411
Allstate	$2607	$439
Farm Bureau	$3992	$678
Auto-Owners	$4024	$671
The Hartford	$5100	$867

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 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 State Farm, offering rates of around $7266 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$289	$49
Root Insurance Company	$435	$74
Country Financial	$466	$77
Farmers	$523	$89
Nationwide	$535	$89
Iowa Farm Bureau	$681	$116
Hartford	$692	$116
Progressive	$1096	$184
Travelers	$1120	$189
Allstate	$2065	$348
USAA	$2071	$346
Farm Bureau	$2664	$453
The Hartford	$3293	$549
Auto-Owners	$3960	$673
State Farm	$7266	$1211

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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
Noblr	$718	$122
Travelers	$749	$126
Root	$781	$133
State Farm	$799	$135
General Casualty	$976	$166
USAA	$1001	$169
Progressive	$1146	$193
Farmers	$1442	$243
Mercury	$1499	$252
Farm Bureau Mutual (IA Group)	$1549	$259
Auto-Owners	$1668	$281
Metromile	$1763	$294
General Agents Group	$1983	$337
Country	$2097	$350
Encompass	$2279	$388
Allstate	$2304	$388
Nationwide	$2450	$417
The Hartford	$2493	$420
Safeway	$2789	$474
Farm Bureau	$2947	$491
Permanent General	$3016	$513
MetLife	$3438	$573
CSAA	$3476	$591

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	$55
Root Insurance Company	$377	$65
Country Financial	$473	$78
Farmers	$510	$87
Hartford	$591	$99
Progressive	$863	$145
Travelers	$888	$149
State Farm	$1171	$197
USAA	$1713	$288
Auto-Owners	$2034	$342
The Hartford	$2739	$457
Allstate	$3180	$535
CSAA	$3583	$597
Farm Bureau	$3746	$637
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 $3564 with companies like Allstate 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
Mercury	$359	$59
Country Financial	$390	$67
Root Insurance Company	$428	$71
Farmers	$441	$75
State Farm	$850	$143
Travelers	$944	$159
Progressive	$951	$160
USAA	$1347	$229
Auto-Owners	$1379	$230
Farm Bureau	$2097	$356
The Hartford	$2386	$398
Allstate	$3564	$606

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 remained steady at $223 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Avra Valley remained steady at $67 in both March and February, indicating no change over the two month period.

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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 $85 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 $1013 for a six-month policy. It will cost around $180 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.