Cheapest Car Insurance Quotes in Cave Creek

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Cave Creek Car Insurance

^$ 48

/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 Cave Creek

The car insurance rate in Cave Creek is $1120 for a six-month policy, which is $187 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $563, making it a popular choice for budget-conscious drivers. Rates in Cave Creek 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 Cave Creek

$1120

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Cave Creek

1st place: Root Insurance Company

At $563 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 $742 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $776 for six months, making it the third cheapest auto insurance company in Cave Creek.

Cave Creek Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cave Creek, AZ is Root Insurance Company, offering policies at just $563 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $742.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1304 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cave Creek drivers find the best deals.

Cheap Car Insurance Companies in Cave Creek, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$563	$94
Auto-Owners Insurance Co	$742	$126
Farmers	$776	$130
Mercury	$798	$136
Hartford	$834	$139
Iowa Farm Bureau	$841	$143
Travelers	$892	$150
State Farm	$1120	$188
Progressive	$1154	$194
USAA	$1162	$196
Auto-Owners	$1248	$210
Allstate	$1340	$226
The Hartford	$1597	$266
CSAA	$2424	$412
Nationwide	$1304	$217

Key Takeaways

Way's key takeaways about car insurance in Cave Creek

The auto insurance costs in Cave Creek fall around $563 for six months.
The cheapest auto insurance company in Cave Creek is Mercury.
Teen drivers pay the highest rate in Cave Creek at $1055 per month.

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Cheapest Minimum Liability Car Insurance in Cave Creek

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 Cave Creek are given below.

Mercury provides the cheapest minimum car insurance coverage in Cave Creek. Their Average 6 Month Premium is $286. Allstate is the most expensive at $499 for the same period.

Cheapest Liability Coverage in Cave Creek, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$286	$48
Travelers	$335	$56
Auto-Owners	$364	$61
Auto-Owners Insurance Co	$371	$64
Country Financial	$378	$62
USAA	$378	$64
Root Insurance Company	$385	$64
Farmers	$407	$70
Progressive	$414	$70
Iowa Farm Bureau	$427	$73
State Farm	$434	$73
Allstate	$499	$84

Cheapest Full Coverage Car Insurance in Cave Creek

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 Cave Creek is Root Insurance Company at $94 per month and $563 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cave Creek, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$563	$94
Auto-Owners Insurance Co	$742	$126
Farmers	$776	$130
Mercury	$798	$136
Hartford	$834	$139
Iowa Farm Bureau	$841	$143
Travelers	$892	$150
State Farm	$1120	$188
Progressive	$1154	$194
USAA	$1162	$196
Auto-Owners	$1248	$210
Allstate	$1340	$226
The Hartford	$1597	$266
CSAA	$2424	$412
Nationwide	$1304	$217

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Average Car Insurance in Cave Creek 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 Cave Creek, AZ increasing?

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

Car Insurance Premiums by Age in Cave Creek

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	$647
40s	USAA	$589
50s	USAA	$558
60s	USAA	$574
70s	USAA	$678

Cheapest Car Insurance Rates for Teen Drivers in Cave Creek,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Cave Creek at $58 per month. At $6330 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$342	$58
Travelers	$342	$58
Root Insurance Company	$392	$67
Progressive	$407	$67
USAA	$414	$71
Country Financial	$442	$73
State Farm	$442	$74
Allstate	$499	$84
Farmers	$499	$85
Auto-Owners Insurance Co	$506	$84
Iowa Farm Bureau	$528	$90
Auto-Owners	$2994	$499
CSAA	$6330	$1055

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 Cave Creek.

As young drivers face the highest rates in Cave Creek, USAA offers the cheapest auto insurance rates at $647 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 Cave Creek, Mercury is the cheapest car insurance provider. At $328 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 Cave Creek is Hartford, offering rates of around $784 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$328	$55
Travelers	$414	$71
Root Insurance Company	$492	$82
Progressive	$499	$85
Country Financial	$528	$88
Farmers	$592	$101
Nationwide	$606	$101
Allstate	$677	$115
Iowa Farm Bureau	$770	$128
Hartford	$784	$133

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Car Insurance Rates with An Accident in Cave Creek

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

Cheapest Car Insurance Companies after an At-Fault Accident in Cave Creek

The cheapest car insurance companies after an at-fault accident in Cave Creek include Root Insurance Company and Country Financial, offering $485 and $492, respectively. CSAA is an expensive provider with an average six-month premium of $3935.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$485	$80
Country Financial	$492	$84
Auto-Owners Insurance Co	$577	$96
Travelers	$577	$97
State Farm	$770	$130
Noblr	$812	$138
Root	$884	$148
USAA	$934	$157
General Casualty	$1105	$184
Progressive	$1112	$187
Auto-Owners	$1583	$264
Farmers	$1632	$275
Mercury	$1697	$286
Allstate	$1732	$292
Farm Bureau Mutual (IA Group)	$1753	$293
Metromile	$1996	$340
General Agents Group	$2245	$374
Country	$2374	$403
The Hartford	$2516	$419
Encompass	$2580	$439
Nationwide	$2773	$462
Safeway	$3157	$536
Permanent General	$3414	$569
MetLife	$3892	$661
CSAA	$3935	$655

Cave Creek Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cave Creek AZ. For example, the car insurance in Cave Creek after a DUI increases to $1447 for a six month policy. While the rate increases by $293 for a six-month policy in the case of a speeding ticket.

Cave Creek auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1404	$234
One Med/PIP claim	$1404	$239
Not-at-fault accident	$1411	$235
One comp claim	$1469	$250
Two Med/PIP claims	$1469	$245
Two comp claims	$1525	$259
Failure to wear a seat belt	$1604	$268
Child safety restraint	$1668	$283
Driving without lights	$1668	$278
Failure to show documents	$1668	$283
Speeding 6 - 10 MPH over limit	$1697	$283
Driving too slowly	$1760	$299
Speeding 11 - 15 MPH over limit	$1760	$294
Speeding in school zone	$1760	$299
Driving with expired registration	$1775	$296
Speeding 16 - 20 MPH over limit	$1775	$301
Cell phone violation	$1782	$298
Failure to stop at a red light	$1782	$304
Failure to yield	$1782	$298
Following too closely	$1782	$304
Illegal turn	$1782	$298
Texting while driving	$1782	$304
Wrong way/wrong lane	$1782	$298
Improper passing	$1811	$308
Speeding 21 - 25 MPH over limit	$1832	$305
In 65 MPH zone	$1860	$317
Passing school bus	$1882	$313
At-fault accident - less than $1000	$1932	$329
Operating a vehicle without permission	$2032	$338
At-fault accident - $1000-$2000	$2088	$355
At-fault accident - greater than $2000	$2117	$353
Open container	$2224	$378
Reckless driving	$2466	$412
Driving with a suspended license	$2545	$433
DUI	$2851	$475
Refusal to submit to a chemical test	$2851	$485
Racing	$2915	$486
Leaving scene of an accident/hit and run	$2929	$498

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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 Cave Creek 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 Cave Creek.

The cheapest car insurance premiums in Cave Creek are offered by Mercury at $378 for a six-month policy. However, it can be as expensive as $2146 with companies like Nationwide.

Cave Creek car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$378	$65
Root Insurance Company	$427	$71
Country Financial	$535	$91
Travelers	$655	$110
Progressive	$662	$112
Hartford	$670	$112
State Farm	$706	$119
Farmers	$1076	$181
USAA	$1433	$241
Allstate	$2124	$354
Nationwide	$2146	$365

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 Cave Creek are offered by AutoOwners Insurance Co at $371. However, it can be as expensive as $499 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Cave Creek after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$371	$64
State Farm	$378	$62
Travelers	$378	$65
Mercury	$407	$67
Progressive	$434	$74
Country Financial	$442	$73
Root Insurance Company	$485	$83
Farmers	$499	$83

Car Insurance Price Trends in Cave Creek, Arizona

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

The average cost of full coverage in the Cave Creek rose by $145 in December compared to $142 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 Cave Creek rose to $65 in December, compared to $62 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 Cave Creek?

The car insurance in Cave Creek is $48 per month, which is lower than the national average.

What is the cheapest car insurance in Cave Creek?

The cheapest car insurance in Cave Creek is $94 per month for full coverage.

How much is car insurance in Cave Creek for teenagers?

Car insurance for teenagers costs $342 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 Cave Creek?

The average cost of car insurance is $933 for a six-month policy. It will cost around $188 per month to insure your car in Cave Creek.

Is car insurance expensive in Cave Creek?

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

What is the best car insurance in Cave Creek, AZ?

The best car insurance company in Cave Creek AZ is Root Insurance Company, offering $563 for a six-month policy.