Cheapest Car Insurance Quotes in Chloride

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Chloride Car Insurance

^$ 32

/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 Chloride

The car insurance rate in Chloride is $821 for a six-month policy, which is $192 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $380, making it a popular choice for budget-conscious drivers. Rates in Chloride 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 Chloride

$821

Avg. Car Insurance in Arizona

$1013

National Average

$1278

Cheapest Car Insurance Companies in Chloride

1st place: Root Insurance Company

At $380 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 $501 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $524 for six months, making it the third cheapest auto insurance company in Chloride.

Chloride Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Chloride, AZ is Root Insurance Company, offering policies at just $380 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $501.

At the higher end of the spectrum, CSAA is the most expensive, with rates reaching $1636 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chloride drivers find the best deals.

Cheap Car Insurance Companies in Chloride, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$380	$65
Auto-Owners Insurance Co	$501	$83
Farmers	$524	$89
Mercury	$539	$90
Hartford	$563	$96
Iowa Farm Bureau	$568	$95
Travelers	$669	$113
USAA	$784	$132
Progressive	$794	$134
State Farm	$808	$136
Auto-Owners	$910	$153
Farm Bureau	$1179	$197
Allstate	$1227	$207
The Hartford	$1227	$207
CSAA	$1636	$278

Key Takeaways

Way's key takeaways about car insurance in Chloride

The auto insurance costs in Chloride fall around $380 for six months.
The cheapest auto insurance company in Chloride is Mercury.
Teen drivers pay the highest rate in Chloride at $663 per month.

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Cheapest Minimum Liability Car Insurance in Chloride

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 Chloride are given below.

Mercury provides the cheapest minimum car insurance coverage in Chloride. Their Average 6 Month Premium is $193. The Hartford is the most expensive at $496 for the same period.

Cheapest Liability Coverage in Chloride, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$193	$32
Auto-Owners Insurance Co	$250	$43
Travelers	$250	$42
Country Financial	$255	$44
Root Insurance Company	$260	$43
USAA	$265	$45
Farmers	$275	$45
Auto-Owners	$288	$49
Iowa Farm Bureau	$288	$48
State Farm	$318	$53
Progressive	$327	$55
Allstate	$414	$70
Farm Bureau	$447	$75
The Hartford	$496	$84

Cheapest Full Coverage Car Insurance in Chloride

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 Chloride is Root Insurance Company at $65 per month and $380 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chloride, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$380	$65
Auto-Owners Insurance Co	$501	$83
Farmers	$524	$89
Mercury	$539	$90
Hartford	$563	$96
Iowa Farm Bureau	$568	$95
Travelers	$669	$113
USAA	$784	$132
Progressive	$794	$134
State Farm	$808	$136
Auto-Owners	$910	$153
Farm Bureau	$1179	$197
Allstate	$1227	$207
The Hartford	$1227	$207
CSAA	$1636	$278

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Average Car Insurance in Chloride 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 Chloride, AZ increasing?

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

Car Insurance Premiums by Age in Chloride

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 Chloride,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Chloride at $39 per month. At $3897 for a six-month premium, The Hartford offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$231	$39
Root Insurance Company	$265	$45
Country Financial	$298	$49
Farmers	$337	$58
Auto-Owners Insurance Co	$342	$57
Iowa Farm Bureau	$356	$61
Travelers	$977	$164
USAA	$1155	$194
State Farm	$1203	$203
Progressive	$1867	$314
Allstate	$1992	$335
Farm Bureau	$3050	$518
Auto-Owners	$3075	$513
The Hartford	$3897	$663

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 Chloride, Mercury is the cheapest car insurance provider. At $221 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 Chloride is State Farm, offering rates of around $5553 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$221	$37
Root Insurance Company	$332	$57
Country Financial	$356	$59
Farmers	$399	$68
Nationwide	$409	$68
Iowa Farm Bureau	$520	$88
Hartford	$529	$88
Progressive	$838	$141
Travelers	$856	$144
Allstate	$1578	$266
USAA	$1583	$264
Farm Bureau	$2036	$346
The Hartford	$2517	$420
Auto-Owners	$3026	$514
State Farm	$5553	$925

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Car Insurance Rates with An Accident in Chloride

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

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

The cheapest car insurance companies after an at-fault accident in Chloride include Root Insurance Company and Country Financial, offering $327 and $332, respectively. CSAA is an expensive provider with an average six-month premium of $2656.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$327	$54
Country Financial	$332	$57
Auto-Owners Insurance Co	$390	$65
Noblr	$548	$93
Travelers	$573	$96
Root	$597	$101
State Farm	$611	$103
General Casualty	$746	$127
USAA	$765	$129
Progressive	$876	$147
Farmers	$1102	$185
Mercury	$1145	$193
Farm Bureau Mutual (IA Group)	$1183	$198
Auto-Owners	$1275	$215
Metromile	$1347	$224
General Agents Group	$1516	$258
Country	$1602	$267
Encompass	$1742	$296
Allstate	$1761	$296
Nationwide	$1872	$318
The Hartford	$1905	$321
Safeway	$2131	$362
Farm Bureau	$2252	$375
Permanent General	$2304	$392
MetLife	$2627	$438
CSAA	$2656	$452

Chloride Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Chloride AZ. For example, the car insurance in Chloride after a DUI increases to $977 for a six month policy. While the rate increases by $197 for a six-month policy in the case of a speeding ticket.

Chloride auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$948	$158
One Med/PIP claim	$948	$161
Not-at-fault accident	$953	$159
One comp claim	$991	$168
Two Med/PIP claims	$991	$165
Two comp claims	$1030	$175
Failure to wear a seat belt	$1083	$181
Child safety restraint	$1126	$191
Driving without lights	$1126	$188
Failure to show documents	$1126	$191
Speeding 6 - 10 MPH over limit	$1145	$191
Driving too slowly	$1188	$202
Speeding 11 - 15 MPH over limit	$1188	$198
Speeding in school zone	$1188	$202
Driving with expired registration	$1198	$200
Speeding 16 - 20 MPH over limit	$1198	$203
Cell phone violation	$1203	$201
Failure to stop at a red light	$1203	$205
Failure to yield	$1203	$201
Following too closely	$1203	$205
Illegal turn	$1203	$201
Texting while driving	$1203	$205
Wrong way/wrong lane	$1203	$201
Improper passing	$1222	$208
Speeding 21 - 25 MPH over limit	$1237	$206
In 65 MPH zone	$1256	$214
Passing school bus	$1270	$211
At-fault accident - less than $1000	$1304	$222
Operating a vehicle without permission	$1371	$228
At-fault accident - $1000-$2000	$1409	$240
At-fault accident - greater than $2000	$1429	$238
Open container	$1501	$255
Reckless driving	$1665	$278
Driving with a suspended license	$1718	$292
DUI	$1925	$321
Refusal to submit to a chemical test	$1925	$327
Racing	$1967	$328
Leaving scene of an accident/hit and run	$1977	$336

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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 Chloride 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 Chloride.

The cheapest car insurance premiums in Chloride are offered by Mercury at $255 for a six-month policy. However, it can be as expensive as $1448 with companies like Nationwide.

Chloride car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$255	$42
Root Insurance Company	$288	$49
Country Financial	$361	$60
Farmers	$390	$66
Hartford	$452	$75
Progressive	$659	$111
Travelers	$679	$114
State Farm	$895	$151
USAA	$1309	$220
Auto-Owners	$1554	$262
The Hartford	$2093	$349
Allstate	$2430	$409
CSAA	$2738	$456
Farm Bureau	$2863	$487
Nationwide	$1448	$246

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 Chloride are offered by AutoOwners Insurance Co at $250. However, it can be as expensive as $2723 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Chloride after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$250	$43
Mercury	$275	$45
Country Financial	$298	$51
Root Insurance Company	$327	$54
Farmers	$337	$58
State Farm	$650	$109
Travelers	$722	$122
Progressive	$727	$122
USAA	$1030	$175
Auto-Owners	$1054	$176
Farm Bureau	$1602	$272
The Hartford	$1823	$304
Allstate	$2723	$463

Car Insurance Price Trends in Chloride, Arizona

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

The average cost of full coverage in the Chloride remained steady at $170 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Chloride remained steady at $51 in both February and January, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Chloride?

The car insurance in Chloride is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Chloride?

The cheapest car insurance in Chloride is $65 per month for full coverage.

How much is car insurance in Chloride for teenagers?

Car insurance for teenagers costs $231 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 Chloride?

The average cost of car insurance is $1013 for a six-month policy. It will cost around $138 per month to insure your car in Chloride.

Is car insurance expensive in Chloride?

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

What is the best car insurance in Chloride, AZ?

The best car insurance company in Chloride AZ is Root Insurance Company, offering $380 for a six-month policy.