Cheapest Car Insurance Quotes in Blackwater

Finding the cheapest car insurance quotes in Blackwater 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

399,755 Policies Sold

Blackwater Car Insurance

^$ 43

/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 Blackwater

The car insurance rate in Blackwater is $998 for a six-month policy, which is $65 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $502, making it a popular choice for budget-conscious drivers. Rates in Blackwater 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 Blackwater

$998

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Blackwater

1st place: Root Insurance Company

At $502 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 $661 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $692 for six months, making it the third cheapest auto insurance company in Blackwater.

Blackwater Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Blackwater, AZ is Root Insurance Company, offering policies at just $502 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $661.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1163 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Blackwater drivers find the best deals.

Cheap Car Insurance Companies in Blackwater, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$502	$83
Auto-Owners Insurance Co	$661	$112
Farmers	$692	$116
Mercury	$712	$121
Hartford	$744	$124
Iowa Farm Bureau	$750	$127
Travelers	$795	$134
State Farm	$998	$168
Progressive	$1029	$173
USAA	$1036	$174
Auto-Owners	$1113	$187
Allstate	$1195	$201
The Hartford	$1424	$238
CSAA	$2161	$367
Nationwide	$1163	$194

Key Takeaways

Way's key takeaways about car insurance in Blackwater

The auto insurance costs in Blackwater fall around $502 for six months.
The cheapest auto insurance company in Blackwater is Mercury.
Teen drivers pay the highest rate in Blackwater at $941 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 Blackwater

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 Blackwater are given below.

Mercury provides the cheapest minimum car insurance coverage in Blackwater. Their Average 6 Month Premium is $255. Allstate is the most expensive at $445 for the same period.

Cheapest Liability Coverage in Blackwater, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$255	$43
Travelers	$299	$50
Auto-Owners	$324	$55
Auto-Owners Insurance Co	$331	$57
Country Financial	$337	$56
USAA	$337	$57
Root Insurance Company	$343	$57
Farmers	$363	$62
Progressive	$369	$62
Iowa Farm Bureau	$381	$65
State Farm	$387	$65
Allstate	$445	$75

Cheapest Full Coverage Car Insurance in Blackwater

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 Blackwater is Root Insurance Company at $83 per month and $502 for six months.

Cheapest Full Coverage Car Insurance Quotes in Blackwater, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$502	$83
Auto-Owners Insurance Co	$661	$112
Farmers	$692	$116
Mercury	$712	$121
Hartford	$744	$124
Iowa Farm Bureau	$750	$127
Travelers	$795	$134
State Farm	$998	$168
Progressive	$1029	$173
USAA	$1036	$174
Auto-Owners	$1113	$187
Allstate	$1195	$201
The Hartford	$1424	$238
CSAA	$2161	$367
Nationwide	$1163	$194

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Blackwater Instantly!

Average Car Insurance in Blackwater 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 Blackwater, AZ increasing?

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

Car Insurance Premiums by Age in Blackwater

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	$577
40s	USAA	$525
50s	USAA	$498
60s	USAA	$511
70s	USAA	$605

Cheapest Car Insurance Rates for Teen Drivers in Blackwater,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Blackwater at $51 per month. At $5644 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$305	$51
Travelers	$305	$51
Root Insurance Company	$350	$60
Progressive	$363	$60
USAA	$369	$63
Country Financial	$394	$65
State Farm	$394	$66
Allstate	$445	$75
Farmers	$445	$76
Auto-Owners Insurance Co	$452	$75
Iowa Farm Bureau	$471	$80
Auto-Owners	$2670	$445
CSAA	$5644	$941

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 Blackwater.

As young drivers face the highest rates in Blackwater, USAA offers the cheapest auto insurance rates at $577 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 Blackwater, Mercury is the cheapest car insurance provider. At $292 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 Blackwater is Hartford, offering rates of around $699 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$292	$49
Travelers	$369	$63
Root Insurance Company	$439	$73
Progressive	$445	$76
Country Financial	$471	$78
Farmers	$528	$90
Nationwide	$540	$90
Allstate	$603	$103
Iowa Farm Bureau	$687	$114
Hartford	$699	$119

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Blackwater

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

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

The cheapest car insurance companies after an at-fault accident in Blackwater include Root Insurance Company and Country Financial, offering $432 and $439, respectively. CSAA is an expensive provider with an average six-month premium of $3509.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$432	$72
Country Financial	$439	$75
Auto-Owners Insurance Co	$515	$86
Travelers	$515	$87
State Farm	$687	$116
Noblr	$724	$123
Root	$789	$132
USAA	$832	$140
General Casualty	$985	$164
Progressive	$992	$167
Auto-Owners	$1411	$235
Farmers	$1455	$245
Mercury	$1513	$255
Allstate	$1544	$260
Farm Bureau Mutual (IA Group)	$1563	$261
Metromile	$1779	$303
General Agents Group	$2002	$334
Country	$2116	$360
The Hartford	$2244	$373
Encompass	$2301	$392
Nationwide	$2473	$412
Safeway	$2815	$478
Permanent General	$3044	$507
MetLife	$3470	$590
CSAA	$3509	$584

Blackwater Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Blackwater AZ. For example, the car insurance in Blackwater after a DUI increases to $1290 for a six month policy. While the rate increases by $261 for a six-month policy in the case of a speeding ticket.

Blackwater auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1252	$209
One Med/PIP claim	$1252	$213
Not-at-fault accident	$1258	$210
One comp claim	$1310	$223
Two Med/PIP claims	$1310	$218
Two comp claims	$1360	$231
Failure to wear a seat belt	$1431	$239
Child safety restraint	$1487	$253
Driving without lights	$1487	$248
Failure to show documents	$1487	$253
Speeding 6 - 10 MPH over limit	$1513	$253
Driving too slowly	$1570	$266
Speeding 11 - 15 MPH over limit	$1570	$262
Speeding in school zone	$1570	$266
Driving with expired registration	$1583	$264
Speeding 16 - 20 MPH over limit	$1583	$269
Cell phone violation	$1589	$265
Failure to stop at a red light	$1589	$271
Failure to yield	$1589	$265
Following too closely	$1589	$271
Illegal turn	$1589	$265
Texting while driving	$1589	$271
Wrong way/wrong lane	$1589	$265
Improper passing	$1615	$275
Speeding 21 - 25 MPH over limit	$1634	$272
In 65 MPH zone	$1659	$282
Passing school bus	$1678	$279
At-fault accident - less than $1000	$1723	$293
Operating a vehicle without permission	$1812	$302
At-fault accident - $1000-$2000	$1862	$317
At-fault accident - greater than $2000	$1887	$315
Open container	$1983	$337
Reckless driving	$2199	$367
Driving with a suspended license	$2269	$386
DUI	$2542	$424
Refusal to submit to a chemical test	$2542	$432
Racing	$2599	$433
Leaving scene of an accident/hit and run	$2612	$444

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 Blackwater 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 Blackwater.

The cheapest car insurance premiums in Blackwater are offered by Mercury at $337 for a six-month policy. However, it can be as expensive as $1913 with companies like Nationwide.

Blackwater car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$337	$58
Root Insurance Company	$381	$63
Country Financial	$477	$81
Travelers	$584	$98
Progressive	$591	$100
Hartford	$597	$100
State Farm	$629	$106
Farmers	$960	$162
USAA	$1278	$215
Allstate	$1894	$316
Nationwide	$1913	$325

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 Blackwater are offered by AutoOwners Insurance Co at $331. However, it can be as expensive as $445 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Blackwater after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$331	$57
State Farm	$337	$56
Travelers	$337	$58
Mercury	$363	$60
Progressive	$387	$66
Country Financial	$394	$65
Root Insurance Company	$432	$74
Farmers	$445	$74

Car Insurance Price Trends in Blackwater, Arizona

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

The average cost of full coverage in the Blackwater rose by $129 in December compared to $126 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 Blackwater rose to $58 in December, compared to $56 in November. This represents an increase of $2 when comparing December and November.

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 Blackwater?

The car insurance in Blackwater is $43 per month, which is lower than the national average.

What is the cheapest car insurance in Blackwater?

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

How much is car insurance in Blackwater for teenagers?

Car insurance for teenagers costs $305 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 Blackwater?

The average cost of car insurance is $933 for a six-month policy. It will cost around $168 per month to insure your car in Blackwater.

Is car insurance expensive in Blackwater?

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

What is the best car insurance in Blackwater, AZ?

The best car insurance company in Blackwater AZ is Root Insurance Company, offering $502 for a six-month policy.