Cheapest Car Insurance Quotes in Cibola

Finding the cheapest car insurance quotes in Cibola 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

Cibola Car Insurance

^$ 37

/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 Cibola

The car insurance rate in Cibola is $858 for a six-month policy, which is $75 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $431, making it a popular choice for budget-conscious drivers. Rates in Cibola 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 Cibola

$858

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Cibola

1st place: Root Insurance Company

At $431 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 $569 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $595 for six months, making it the third cheapest auto insurance company in Cibola.

Cibola Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cibola, AZ is Root Insurance Company, offering policies at just $431 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $569.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1000 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cibola drivers find the best deals.

Cheap Car Insurance Companies in Cibola, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$431	$72
Auto-Owners Insurance Co	$569	$97
Farmers	$595	$99
Mercury	$612	$104
Hartford	$639	$107
Iowa Farm Bureau	$645	$109
Travelers	$684	$115
State Farm	$858	$144
Progressive	$885	$149
USAA	$891	$150
Auto-Owners	$957	$161
Allstate	$1028	$173
The Hartford	$1225	$204
CSAA	$1858	$316
Nationwide	$1000	$167

Key Takeaways

Way's key takeaways about car insurance in Cibola

The auto insurance costs in Cibola fall around $431 for six months.
The cheapest auto insurance company in Cibola is Mercury.
Teen drivers pay the highest rate in Cibola at $809 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 Cibola

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 Cibola are given below.

Mercury provides the cheapest minimum car insurance coverage in Cibola. Their Average 6 Month Premium is $219. Allstate is the most expensive at $383 for the same period.

Cheapest Liability Coverage in Cibola, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$219	$37
Travelers	$257	$43
Auto-Owners	$279	$47
Auto-Owners Insurance Co	$284	$49
Country Financial	$290	$48
USAA	$290	$49
Root Insurance Company	$295	$49
Farmers	$312	$53
Progressive	$317	$53
Iowa Farm Bureau	$328	$56
State Farm	$333	$56
Allstate	$383	$64

Cheapest Full Coverage Car Insurance in Cibola

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 Cibola is Root Insurance Company at $72 per month and $431 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cibola, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$431	$72
Auto-Owners Insurance Co	$569	$97
Farmers	$595	$99
Mercury	$612	$104
Hartford	$639	$107
Iowa Farm Bureau	$645	$109
Travelers	$684	$115
State Farm	$858	$144
Progressive	$885	$149
USAA	$891	$150
Auto-Owners	$957	$161
Allstate	$1028	$173
The Hartford	$1225	$204
CSAA	$1858	$316
Nationwide	$1000	$167

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Cibola Instantly!

Average Car Insurance in Cibola 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 Cibola, AZ increasing?

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

Car Insurance Premiums by Age in Cibola

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	$496
40s	USAA	$452
50s	USAA	$428
60s	USAA	$440
70s	USAA	$520

Cheapest Car Insurance Rates for Teen Drivers in Cibola,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Cibola at $44 per month. At $4853 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$262	$44
Travelers	$262	$44
Root Insurance Company	$301	$52
Progressive	$312	$52
USAA	$317	$54
Country Financial	$339	$56
State Farm	$339	$57
Allstate	$383	$64
Farmers	$383	$65
Auto-Owners Insurance Co	$388	$64
Iowa Farm Bureau	$405	$69
Auto-Owners	$2295	$383
CSAA	$4853	$809

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 Cibola.

As young drivers face the highest rates in Cibola, USAA offers the cheapest auto insurance rates at $496 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 Cibola, Mercury is the cheapest car insurance provider. At $251 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 Cibola is Hartford, offering rates of around $601 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$251	$42
Travelers	$317	$54
Root Insurance Company	$377	$63
Progressive	$383	$65
Country Financial	$405	$67
Farmers	$454	$77
Nationwide	$465	$77
Allstate	$519	$88
Iowa Farm Bureau	$591	$98
Hartford	$601	$102

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Cibola

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

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

The cheapest car insurance companies after an at-fault accident in Cibola include Root Insurance Company and Country Financial, offering $372 and $377, respectively. CSAA is an expensive provider with an average six-month premium of $3017.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$372	$62
Country Financial	$377	$64
Auto-Owners Insurance Co	$443	$74
Travelers	$443	$75
State Farm	$591	$99
Noblr	$623	$106
Root	$678	$113
USAA	$716	$121
General Casualty	$847	$141
Progressive	$853	$144
Auto-Owners	$1213	$202
Farmers	$1251	$211
Mercury	$1301	$219
Allstate	$1328	$224
Farm Bureau Mutual (IA Group)	$1344	$224
Metromile	$1530	$260
General Agents Group	$1721	$287
Country	$1820	$309
The Hartford	$1929	$321
Encompass	$1978	$337
Nationwide	$2126	$354
Safeway	$2421	$411
Permanent General	$2617	$436
MetLife	$2984	$507
CSAA	$3017	$502

Cibola Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cibola AZ. For example, the car insurance in Cibola after a DUI increases to $1110 for a six month policy. While the rate increases by $225 for a six-month policy in the case of a speeding ticket.

Cibola auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1076	$179
One Med/PIP claim	$1076	$183
Not-at-fault accident	$1082	$180
One comp claim	$1126	$191
Two Med/PIP claims	$1126	$188
Two comp claims	$1169	$199
Failure to wear a seat belt	$1230	$205
Child safety restraint	$1279	$217
Driving without lights	$1279	$213
Failure to show documents	$1279	$217
Speeding 6 - 10 MPH over limit	$1301	$217
Driving too slowly	$1350	$229
Speeding 11 - 15 MPH over limit	$1350	$225
Speeding in school zone	$1350	$229
Driving with expired registration	$1361	$227
Speeding 16 - 20 MPH over limit	$1361	$231
Cell phone violation	$1366	$228
Failure to stop at a red light	$1366	$233
Failure to yield	$1366	$228
Following too closely	$1366	$233
Illegal turn	$1366	$228
Texting while driving	$1366	$233
Wrong way/wrong lane	$1366	$228
Improper passing	$1388	$236
Speeding 21 - 25 MPH over limit	$1405	$234
In 65 MPH zone	$1426	$243
Passing school bus	$1443	$240
At-fault accident - less than $1000	$1481	$252
Operating a vehicle without permission	$1558	$259
At-fault accident - $1000-$2000	$1601	$272
At-fault accident - greater than $2000	$1623	$270
Open container	$1705	$290
Reckless driving	$1891	$316
Driving with a suspended license	$1951	$332
DUI	$2186	$364
Refusal to submit to a chemical test	$2186	$372
Racing	$2235	$373
Leaving scene of an accident/hit and run	$2246	$382

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 Cibola 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 Cibola.

The cheapest car insurance premiums in Cibola are offered by Mercury at $290 for a six-month policy. However, it can be as expensive as $1645 with companies like Nationwide.

Cibola car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$290	$50
Root Insurance Company	$328	$54
Country Financial	$410	$70
Travelers	$502	$85
Progressive	$508	$86
Hartford	$513	$86
State Farm	$541	$91
Farmers	$825	$139
USAA	$1098	$185
Allstate	$1628	$271
Nationwide	$1645	$280

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 Cibola are offered by AutoOwners Insurance Co at $284. However, it can be as expensive as $383 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Cibola after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$284	$49
State Farm	$290	$48
Travelers	$290	$50
Mercury	$312	$52
Progressive	$333	$57
Country Financial	$339	$56
Root Insurance Company	$372	$63
Farmers	$383	$63

Car Insurance Price Trends in Cibola, Arizona

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

The average cost of full coverage in the Cibola rose by $111 in December compared to $109 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Cibola rose to $50 in December, compared to $48 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 Cibola?

The car insurance in Cibola is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Cibola?

The cheapest car insurance in Cibola is $72 per month for full coverage.

How much is car insurance in Cibola for teenagers?

Car insurance for teenagers costs $262 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 Cibola?

The average cost of car insurance is $933 for a six-month policy. It will cost around $144 per month to insure your car in Cibola.

Is car insurance expensive in Cibola?

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

What is the best car insurance in Cibola, AZ?

The best car insurance company in Cibola AZ is Root Insurance Company, offering $431 for a six-month policy.