We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Blue Gap 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.
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 Blue Gap
The car insurance rate in Blue Gap is $1064 for a six-month policy, which is $131 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $535, making it a popular choice for budget-conscious drivers. Rates in Blue Gap 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.
At $535 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 $705 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Farmers
Farmers offers auto insurance
rates at $738
for six months, making it
the third cheapest auto insurance company in Blue Gap.
Blue Gap Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Blue Gap, AZ is Root Insurance Company, offering policies at just $535 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $705.
At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1239 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Blue Gap drivers find the best deals.
Way's key takeaways about car insurance in Blue Gap
The auto insurance costs in Blue Gap fall around $535 for six
months.
The cheapest auto insurance company in Blue Gap is Mercury.
Teen drivers pay the highest rate in Blue Gap at $1002 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 Blue Gap
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 Blue Gap are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Blue Gap. Their Average 6 Month Premium is $271.
Allstate is the most
expensive at $474 for the same
period.
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 Blue Gap is Root Insurance Company
at $89 per month and $535
for six months.
Cheapest Full Coverage Car Insurance Quotes in Blue Gap,
AZ
Get Your Car Insurance Quote in Blue Gap
Instantly!
Average Car Insurance in Blue Gap 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 Blue Gap, AZ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Blue Gap, 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, Blue Gap's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Blue Gap
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
$614
40s
USAA
$560
50s
USAA
$530
60s
USAA
$545
70s
USAA
$644
Cheapest Car Insurance Rates for Teen Drivers in
Blue Gap,AZ
If you are planning to get a car insurance policy for your teenage
dependent, Mercury provides the cheapest car
insurance in the Blue Gap at $55
per
month. At $6013 for a six-month premium,
CSAA offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Blue Gap.
As young drivers face the highest rates in Blue Gap, USAA
offers the cheapest auto insurance rates at $614 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 Blue Gap,
Mercury is
the cheapest car insurance provider. At $311 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
Blue Gap is Hartford, offering
rates of around $744 for six
months.
Save up to $971/yr on car insurance rates in Blue Gap.
Car Insurance Rates with An Accident in Blue Gap
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 Blue Gap, AZ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Blue Gap
The cheapest car insurance companies after an at-fault accident in
Blue Gap include Root Insurance Company
and Country Financial, offering $461
and $467,
respectively. CSAA is an expensive provider
with an average six-month premium of
$3738.
Here is a list of driving violations that can increase your car
insurance rates in Blue Gap AZ. For example, the car
insurance in Blue Gap
after a DUI increases to $1375 for a six
month policy. While the rate increases by $278 for a six-month policy in the case of
a speeding ticket.
Blue Gap auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1334
$222
One Med/PIP claim
$1334
$227
Not-at-fault accident
$1341
$223
One comp claim
$1395
$237
Two Med/PIP claims
$1395
$233
Two comp claims
$1449
$246
Failure to wear a seat belt
$1524
$254
Child safety restraint
$1585
$269
Driving without lights
$1585
$264
Failure to show documents
$1585
$269
Speeding 6 - 10 MPH over limit
$1612
$269
Driving too slowly
$1672
$284
Speeding 11 - 15 MPH over limit
$1672
$279
Speeding in school zone
$1672
$284
Driving with expired registration
$1686
$282
Speeding 16 - 20 MPH over limit
$1686
$286
Cell phone violation
$1693
$283
Failure to stop at a red light
$1693
$288
Failure to yield
$1693
$283
Following too closely
$1693
$288
Illegal turn
$1693
$283
Texting while driving
$1693
$288
Wrong way/wrong lane
$1693
$283
Improper passing
$1720
$293
Speeding 21 - 25 MPH over limit
$1741
$290
In 65 MPH zone
$1767
$301
Passing school bus
$1788
$298
At-fault accident - less than $1000
$1835
$312
Operating a vehicle without permission
$1930
$321
At-fault accident - $1000-$2000
$1984
$337
At-fault accident - greater than $2000
$2011
$335
Open container
$2112
$359
Reckless driving
$2343
$391
Driving with a suspended license
$2418
$412
DUI
$2709
$451
Refusal to submit to a chemical test
$2709
$461
Racing
$2769
$462
Leaving scene of an accident/hit and run
$2783
$473
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 Blue Gap 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 Blue Gap.
The cheapest car insurance premiums in
Blue Gap are
offered by Mercury at $359 for a six-month policy.
However, it can be as
expensive as $2038 with companies
like Nationwide.
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 Blue Gap are offered by AutoOwners Insurance Co
at $352. However,
it can be as expensive as $474
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Blue Gap after Speeding ticket
Car insurance rates in Blue Gap have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Blue Gap rose by
$138 in December
compared to $135 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 Blue Gap rose to $62 in December,
compared to $59 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in Blue Gap by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Blue Gap. At $2127 for a
six-month policy, insuring
your car at 86520 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Blue Gap?
The car insurance in Blue Gap is $46 per month, which is lower than the national average.
What is the cheapest car insurance in Blue Gap?
The cheapest car insurance in Blue Gap
is $89 per month
for full coverage.
How much is car insurance in Blue Gap for teenagers?
Car insurance for teenagers costs $325 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
Blue Gap?
The average cost of car insurance is $933 for a six-month
policy. It will cost around $179 per month to insure your
car in Blue Gap.
Is car insurance expensive in Blue Gap?
Car insurance can be expensive in Blue Gap if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Blue Gap can be
affordable.
What is the best car insurance in Blue Gap,
AZ?
The best car insurance company in Blue Gap
AZ is
Root Insurance Company, offering $535 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Blue Gap right now.
Find Car Insurance Rates in Cities Near Blue Gap, AZ
Car Insurance Rates by State in the USA (2025 Update)
Blue Gap Car Insurance
