Cheapest Car Insurance Quotes in Carefree

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Carefree Car Insurance

^$ 47

/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 Carefree

The car insurance rate in Carefree is $1101 for a six-month policy, which is $168 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $553, making it a popular choice for budget-conscious drivers. Rates in Carefree 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 Carefree

$1101

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Carefree

1st place: Root Insurance Company

At $553 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 $729 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $763 for six months, making it the third cheapest auto insurance company in Carefree.

Carefree Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Carefree, AZ is Root Insurance Company, offering policies at just $553 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $729.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1283 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Carefree drivers find the best deals.

Cheap Car Insurance Companies in Carefree, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$553	$92
Auto-Owners Insurance Co	$729	$124
Farmers	$763	$127
Mercury	$785	$133
Hartford	$820	$137
Iowa Farm Bureau	$827	$140
Travelers	$877	$148
State Farm	$1101	$185
Progressive	$1135	$191
USAA	$1142	$192
Auto-Owners	$1227	$207
Allstate	$1318	$222
The Hartford	$1571	$262
CSAA	$2384	$405
Nationwide	$1283	$214

Key Takeaways

Way's key takeaways about car insurance in Carefree

The auto insurance costs in Carefree fall around $553 for six months.
The cheapest auto insurance company in Carefree is Mercury.
Teen drivers pay the highest rate in Carefree at $1037 per month.

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Cheapest Minimum Liability Car Insurance in Carefree

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 Carefree are given below.

Mercury provides the cheapest minimum car insurance coverage in Carefree. Their Average 6 Month Premium is $281. Allstate is the most expensive at $491 for the same period.

Cheapest Liability Coverage in Carefree, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$281	$47
Travelers	$329	$55
Auto-Owners	$358	$60
Auto-Owners Insurance Co	$365	$63
Country Financial	$372	$61
USAA	$372	$63
Root Insurance Company	$379	$63
Farmers	$400	$68
Progressive	$407	$68
Iowa Farm Bureau	$420	$72
State Farm	$427	$72
Allstate	$491	$83

Cheapest Full Coverage Car Insurance in Carefree

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 Carefree is Root Insurance Company at $92 per month and $553 for six months.

Cheapest Full Coverage Car Insurance Quotes in Carefree, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$553	$92
Auto-Owners Insurance Co	$729	$124
Farmers	$763	$127
Mercury	$785	$133
Hartford	$820	$137
Iowa Farm Bureau	$827	$140
Travelers	$877	$148
State Farm	$1101	$185
Progressive	$1135	$191
USAA	$1142	$192
Auto-Owners	$1227	$207
Allstate	$1318	$222
The Hartford	$1571	$262
CSAA	$2384	$405
Nationwide	$1283	$214

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Average Car Insurance in Carefree 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 Carefree, AZ increasing?

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

Car Insurance Premiums by Age in Carefree

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	$636
40s	USAA	$579
50s	USAA	$549
60s	USAA	$564
70s	USAA	$667

Cheapest Car Insurance Rates for Teen Drivers in Carefree,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Carefree at $57 per month. At $6225 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$336	$57
Travelers	$336	$57
Root Insurance Company	$386	$66
Progressive	$400	$66
USAA	$407	$70
Country Financial	$434	$72
State Farm	$434	$73
Allstate	$491	$83
Farmers	$491	$84
Auto-Owners Insurance Co	$498	$83
Iowa Farm Bureau	$519	$89
Auto-Owners	$2944	$491
CSAA	$6225	$1037

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 Carefree.

As young drivers face the highest rates in Carefree, USAA offers the cheapest auto insurance rates at $636 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 Carefree, Mercury is the cheapest car insurance provider. At $322 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 Carefree is Hartford, offering rates of around $771 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$322	$54
Travelers	$407	$70
Root Insurance Company	$484	$80
Progressive	$491	$84
Country Financial	$519	$86
Farmers	$582	$99
Nationwide	$596	$99
Allstate	$666	$113
Iowa Farm Bureau	$758	$126
Hartford	$771	$131

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Car Insurance Rates with An Accident in Carefree

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

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

The cheapest car insurance companies after an at-fault accident in Carefree include Root Insurance Company and Country Financial, offering $477 and $484, respectively. CSAA is an expensive provider with an average six-month premium of $3869.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$477	$79
Country Financial	$484	$83
Auto-Owners Insurance Co	$568	$94
Travelers	$568	$96
State Farm	$758	$127
Noblr	$799	$136
Root	$870	$145
USAA	$918	$155
General Casualty	$1087	$181
Progressive	$1094	$184
Auto-Owners	$1556	$260
Farmers	$1605	$270
Mercury	$1669	$281
Allstate	$1703	$287
Farm Bureau Mutual (IA Group)	$1724	$288
Metromile	$1962	$334
General Agents Group	$2208	$368
Country	$2334	$396
The Hartford	$2474	$412
Encompass	$2537	$432
Nationwide	$2727	$454
Safeway	$3105	$527
Permanent General	$3357	$559
MetLife	$3827	$650
CSAA	$3869	$644

Carefree Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Carefree AZ. For example, the car insurance in Carefree after a DUI increases to $1423 for a six month policy. While the rate increases by $288 for a six-month policy in the case of a speeding ticket.

Carefree auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1381	$230
One Med/PIP claim	$1381	$235
Not-at-fault accident	$1388	$231
One comp claim	$1444	$245
Two Med/PIP claims	$1444	$241
Two comp claims	$1500	$255
Failure to wear a seat belt	$1578	$263
Child safety restraint	$1640	$278
Driving without lights	$1640	$274
Failure to show documents	$1640	$278
Speeding 6 - 10 MPH over limit	$1669	$278
Driving too slowly	$1731	$294
Speeding 11 - 15 MPH over limit	$1731	$289
Speeding in school zone	$1731	$294
Driving with expired registration	$1745	$291
Speeding 16 - 20 MPH over limit	$1745	$296
Cell phone violation	$1752	$293
Failure to stop at a red light	$1752	$299
Failure to yield	$1752	$293
Following too closely	$1752	$299
Illegal turn	$1752	$293
Texting while driving	$1752	$299
Wrong way/wrong lane	$1752	$293
Improper passing	$1781	$303
Speeding 21 - 25 MPH over limit	$1802	$300
In 65 MPH zone	$1829	$312
Passing school bus	$1850	$308
At-fault accident - less than $1000	$1900	$323
Operating a vehicle without permission	$1998	$333
At-fault accident - $1000-$2000	$2053	$349
At-fault accident - greater than $2000	$2082	$347
Open container	$2187	$372
Reckless driving	$2425	$405
Driving with a suspended license	$2503	$426
DUI	$2804	$467
Refusal to submit to a chemical test	$2804	$477
Racing	$2866	$478
Leaving scene of an accident/hit and run	$2880	$490

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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 Carefree 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 Carefree.

The cheapest car insurance premiums in Carefree are offered by Mercury at $372 for a six-month policy. However, it can be as expensive as $2110 with companies like Nationwide.

Carefree car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$372	$64
Root Insurance Company	$420	$70
Country Financial	$526	$90
Travelers	$644	$109
Progressive	$651	$110
Hartford	$658	$110
State Farm	$694	$117
Farmers	$1058	$178
USAA	$1409	$237
Allstate	$2089	$348
Nationwide	$2110	$359

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 Carefree are offered by AutoOwners Insurance Co at $365. However, it can be as expensive as $491 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Carefree after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$365	$63
State Farm	$372	$61
Travelers	$372	$64
Mercury	$400	$66
Progressive	$427	$73
Country Financial	$434	$72
Root Insurance Company	$477	$81
Farmers	$491	$81

Car Insurance Price Trends in Carefree, Arizona

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

The average cost of full coverage in the Carefree rose by $143 in December compared to $139 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Carefree rose to $64 in December, compared to $61 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Carefree?

The car insurance in Carefree is $47 per month, which is lower than the national average.

What is the cheapest car insurance in Carefree?

The cheapest car insurance in Carefree is $92 per month for full coverage.

How much is car insurance in Carefree for teenagers?

Car insurance for teenagers costs $336 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 Carefree?

The average cost of car insurance is $933 for a six-month policy. It will cost around $185 per month to insure your car in Carefree.

Is car insurance expensive in Carefree?

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

What is the best car insurance in Carefree, AZ?

The best car insurance company in Carefree AZ is Root Insurance Company, offering $553 for a six-month policy.