Cheapest Car Insurance Quotes in Citrus Park

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Citrus Park Car Insurance

^$ 46

/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 Citrus Park

The car insurance rate in Citrus Park is $1073 for a six-month policy, which is $140 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $539, making it a popular choice for budget-conscious drivers. Rates in Citrus Park 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 Citrus Park

$1073

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Citrus Park

1st place: Root Insurance Company

At $539 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 $711 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $744 for six months, making it the third cheapest auto insurance company in Citrus Park.

Citrus Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Citrus Park, AZ is Root Insurance Company, offering policies at just $539 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $711.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1250 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Citrus Park drivers find the best deals.

Cheap Car Insurance Companies in Citrus Park, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$539	$90
Auto-Owners Insurance Co	$711	$121
Farmers	$744	$124
Mercury	$765	$130
Hartford	$799	$133
Iowa Farm Bureau	$806	$137
Travelers	$854	$144
State Farm	$1073	$181
Progressive	$1106	$186
USAA	$1113	$187
Auto-Owners	$1196	$201
Allstate	$1285	$216
The Hartford	$1531	$255
CSAA	$2323	$394
Nationwide	$1250	$208

Key Takeaways

Way's key takeaways about car insurance in Citrus Park

The auto insurance costs in Citrus Park fall around $539 for six months.
The cheapest auto insurance company in Citrus Park is Mercury.
Teen drivers pay the highest rate in Citrus Park at $1011 per month.

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Cheapest Minimum Liability Car Insurance in Citrus Park

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 Citrus Park are given below.

Mercury provides the cheapest minimum car insurance coverage in Citrus Park. Their Average 6 Month Premium is $274. Allstate is the most expensive at $478 for the same period.

Cheapest Liability Coverage in Citrus Park, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$274	$46
Travelers	$321	$54
Auto-Owners	$348	$59
Auto-Owners Insurance Co	$355	$61
Country Financial	$362	$60
USAA	$362	$61
Root Insurance Company	$369	$61
Farmers	$390	$67
Progressive	$397	$67
Iowa Farm Bureau	$409	$70
State Farm	$416	$70
Allstate	$478	$81

Cheapest Full Coverage Car Insurance in Citrus Park

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 Citrus Park is Root Insurance Company at $90 per month and $539 for six months.

Cheapest Full Coverage Car Insurance Quotes in Citrus Park, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$539	$90
Auto-Owners Insurance Co	$711	$121
Farmers	$744	$124
Mercury	$765	$130
Hartford	$799	$133
Iowa Farm Bureau	$806	$137
Travelers	$854	$144
State Farm	$1073	$181
Progressive	$1106	$186
USAA	$1113	$187
Auto-Owners	$1196	$201
Allstate	$1285	$216
The Hartford	$1531	$255
CSAA	$2323	$394
Nationwide	$1250	$208

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Average Car Insurance in Citrus Park 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 Citrus Park, AZ increasing?

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

Car Insurance Premiums by Age in Citrus Park

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	$620
40s	USAA	$565
50s	USAA	$535
60s	USAA	$550
70s	USAA	$650

Cheapest Car Insurance Rates for Teen Drivers in Citrus Park,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Citrus Park at $55 per month. At $6066 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$328	$55
Travelers	$328	$55
Root Insurance Company	$376	$64
Progressive	$390	$64
USAA	$397	$68
Country Financial	$423	$70
State Farm	$423	$71
Allstate	$478	$81
Farmers	$478	$82
Auto-Owners Insurance Co	$485	$81
Iowa Farm Bureau	$506	$86
Auto-Owners	$2869	$478
CSAA	$6066	$1011

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 Citrus Park.

As young drivers face the highest rates in Citrus Park, USAA offers the cheapest auto insurance rates at $620 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 Citrus Park, Mercury is the cheapest car insurance provider. At $314 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 Citrus Park is Hartford, offering rates of around $751 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$314	$53
Travelers	$397	$68
Root Insurance Company	$471	$78
Progressive	$478	$82
Country Financial	$506	$84
Farmers	$567	$97
Nationwide	$581	$97
Allstate	$649	$110
Iowa Farm Bureau	$738	$123
Hartford	$751	$128

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Car Insurance Rates with An Accident in Citrus Park

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

Cheapest Car Insurance Companies after an At-Fault Accident in Citrus Park

The cheapest car insurance companies after an at-fault accident in Citrus Park include Root Insurance Company and Country Financial, offering $465 and $471, respectively. CSAA is an expensive provider with an average six-month premium of $3771.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$465	$77
Country Financial	$471	$81
Auto-Owners Insurance Co	$553	$92
Travelers	$553	$93
State Farm	$738	$124
Noblr	$779	$132
Root	$848	$141
USAA	$895	$151
General Casualty	$1059	$176
Progressive	$1066	$179
Auto-Owners	$1517	$253
Farmers	$1564	$263
Mercury	$1626	$274
Allstate	$1659	$279
Farm Bureau Mutual (IA Group)	$1680	$281
Metromile	$1912	$325
General Agents Group	$2152	$359
Country	$2275	$386
The Hartford	$2412	$401
Encompass	$2473	$421
Nationwide	$2658	$443
Safeway	$3026	$514
Permanent General	$3272	$545
MetLife	$3729	$634
CSAA	$3771	$628

Citrus Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Citrus Park AZ. For example, the car insurance in Citrus Park after a DUI increases to $1386 for a six month policy. While the rate increases by $280 for a six-month policy in the case of a speeding ticket.

Citrus Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1346	$224
One Med/PIP claim	$1346	$229
Not-at-fault accident	$1352	$225
One comp claim	$1408	$239
Two Med/PIP claims	$1408	$235
Two comp claims	$1462	$248
Failure to wear a seat belt	$1538	$256
Child safety restraint	$1598	$271
Driving without lights	$1598	$267
Failure to show documents	$1598	$271
Speeding 6 - 10 MPH over limit	$1626	$271
Driving too slowly	$1687	$286
Speeding 11 - 15 MPH over limit	$1687	$282
Speeding in school zone	$1687	$286
Driving with expired registration	$1701	$284
Speeding 16 - 20 MPH over limit	$1701	$289
Cell phone violation	$1708	$285
Failure to stop at a red light	$1708	$291
Failure to yield	$1708	$285
Following too closely	$1708	$291
Illegal turn	$1708	$285
Texting while driving	$1708	$291
Wrong way/wrong lane	$1708	$285
Improper passing	$1735	$296
Speeding 21 - 25 MPH over limit	$1756	$292
In 65 MPH zone	$1782	$304
Passing school bus	$1803	$300
At-fault accident - less than $1000	$1851	$315
Operating a vehicle without permission	$1947	$324
At-fault accident - $1000-$2000	$2001	$340
At-fault accident - greater than $2000	$2029	$338
Open container	$2131	$362
Reckless driving	$2363	$394
Driving with a suspended license	$2439	$415
DUI	$2732	$455
Refusal to submit to a chemical test	$2732	$465
Racing	$2793	$466
Leaving scene of an accident/hit and run	$2807	$477

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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 Citrus Park 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 Citrus Park.

The cheapest car insurance premiums in Citrus Park are offered by Mercury at $362 for a six-month policy. However, it can be as expensive as $2056 with companies like Nationwide.

Citrus Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$362	$62
Root Insurance Company	$409	$68
Country Financial	$513	$87
Travelers	$628	$106
Progressive	$635	$107
Hartford	$642	$107
State Farm	$676	$114
Farmers	$1032	$174
USAA	$1373	$231
Allstate	$2035	$339
Nationwide	$2056	$350

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 Citrus Park are offered by AutoOwners Insurance Co at $355. However, it can be as expensive as $478 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Citrus Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$355	$61
State Farm	$362	$60
Travelers	$362	$62
Mercury	$390	$64
Progressive	$416	$71
Country Financial	$423	$70
Root Insurance Company	$465	$79
Farmers	$478	$79

Car Insurance Price Trends in Citrus Park, Arizona

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

The average cost of full coverage in the Citrus Park rose by $139 in December compared to $136 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 Citrus Park rose to $62 in December, compared to $60 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Citrus Park?

The car insurance in Citrus Park is $46 per month, which is lower than the national average.

What is the cheapest car insurance in Citrus Park?

The cheapest car insurance in Citrus Park is $90 per month for full coverage.

How much is car insurance in Citrus Park for teenagers?

Car insurance for teenagers costs $328 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 Citrus Park?

The average cost of car insurance is $933 for a six-month policy. It will cost around $181 per month to insure your car in Citrus Park.

Is car insurance expensive in Citrus Park?

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

What is the best car insurance in Citrus Park, AZ?

The best car insurance company in Citrus Park AZ is Root Insurance Company, offering $539 for a six-month policy.