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Finding the cheapest car insurance quotes in Cochise 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.
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 Cochise
The car insurance rate in Cochise is $830 for a six-month policy, which is $103 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $417, making it a popular choice for budget-conscious drivers. Rates in Cochise 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.
At $417 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 $550 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Farmers
Farmers offers auto insurance
rates at $576
for six months, making it
the third cheapest auto insurance company in Cochise.
Cochise Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Cochise, AZ is Root Insurance Company, offering policies at just $417 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $550.
At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $967 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cochise drivers find the best deals.
Way's key takeaways about car insurance in Cochise
The auto insurance costs in Cochise fall around $417 for six
months.
The cheapest auto insurance company in Cochise is Mercury.
Teen drivers pay the highest rate in Cochise at $782 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 Cochise
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 Cochise are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Cochise. Their Average 6 Month Premium is $212.
Allstate is the most
expensive at $370 for the same
period.
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 Cochise is Root Insurance Company
at $69 per month and $417
for six months.
Cheapest Full Coverage Car Insurance Quotes in Cochise,
AZ
Get Your Car Insurance Quote in Cochise
Instantly!
Average Car Insurance in Cochise 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 Cochise, AZ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Cochise, 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, Cochise's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Cochise
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
$480
40s
USAA
$437
50s
USAA
$414
60s
USAA
$425
70s
USAA
$503
Cheapest Car Insurance Rates for Teen Drivers in
Cochise,AZ
If you are planning to get a car insurance policy for your teenage
dependent, Mercury provides the cheapest car
insurance in the Cochise at $43
per
month. At $4695 for a six-month premium,
CSAA offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Cochise.
As young drivers face the highest rates in Cochise, USAA
offers the cheapest auto insurance rates at $480 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 Cochise,
Mercury is
the cheapest car insurance provider. At $243 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
Cochise is Hartford, offering
rates of around $581 for six
months.
Save up to $971/yr on car insurance rates in Cochise.
Car Insurance Rates with An Accident in Cochise
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 Cochise, AZ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Cochise
The cheapest car insurance companies after an at-fault accident in
Cochise include Root Insurance Company
and Country Financial, offering $360
and $365,
respectively. CSAA is an expensive provider
with an average six-month premium of
$2918.
Here is a list of driving violations that can increase your car
insurance rates in Cochise AZ. For example, the car
insurance in Cochise
after a DUI increases to $1074 for a six
month policy. While the rate increases by $217 for a six-month policy in the case of
a speeding ticket.
Cochise auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1041
$174
One Med/PIP claim
$1041
$177
Not-at-fault accident
$1047
$174
One comp claim
$1089
$185
Two Med/PIP claims
$1089
$182
Two comp claims
$1131
$192
Failure to wear a seat belt
$1190
$198
Child safety restraint
$1237
$210
Driving without lights
$1237
$206
Failure to show documents
$1237
$210
Speeding 6 - 10 MPH over limit
$1258
$210
Driving too slowly
$1306
$222
Speeding 11 - 15 MPH over limit
$1306
$218
Speeding in school zone
$1306
$222
Driving with expired registration
$1316
$220
Speeding 16 - 20 MPH over limit
$1316
$223
Cell phone violation
$1322
$221
Failure to stop at a red light
$1322
$225
Failure to yield
$1322
$221
Following too closely
$1322
$225
Illegal turn
$1322
$221
Texting while driving
$1322
$225
Wrong way/wrong lane
$1322
$221
Improper passing
$1343
$229
Speeding 21 - 25 MPH over limit
$1359
$226
In 65 MPH zone
$1380
$235
Passing school bus
$1396
$232
At-fault accident - less than $1000
$1433
$244
Operating a vehicle without permission
$1507
$251
At-fault accident - $1000-$2000
$1549
$263
At-fault accident - greater than $2000
$1570
$262
Open container
$1649
$280
Reckless driving
$1829
$305
Driving with a suspended license
$1888
$321
DUI
$2115
$352
Refusal to submit to a chemical test
$2115
$360
Racing
$2162
$360
Leaving scene of an accident/hit and run
$2172
$369
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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 Cochise 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 Cochise.
The cheapest car insurance premiums in
Cochise are
offered by Mercury at $280 for a six-month policy.
However, it can be as
expensive as $1591 with companies
like Nationwide.
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 Cochise are offered by AutoOwners Insurance Co
at $275. However,
it can be as expensive as $370
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Cochise after Speeding ticket
Car insurance rates in Cochise have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Cochise rose by
$108 in December
compared to $105 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 Cochise rose to $48 in December,
compared to $46 in November.
This represents an increase of $2
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Cochise. At $1660 for a
six-month policy, insuring
your car at 85606 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Cochise?
The car insurance in Cochise is $36 per month, which is lower than the national average.
What is the cheapest car insurance in Cochise?
The cheapest car insurance in Cochise
is $69 per month
for full coverage.
How much is car insurance in Cochise for teenagers?
Car insurance for teenagers costs $254 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
Cochise?
The average cost of car insurance is $933 for a six-month
policy. It will cost around $140 per month to insure your
car in Cochise.
Is car insurance expensive in Cochise?
Car insurance can be expensive in Cochise if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Cochise can be
affordable.
What is the best car insurance in Cochise,
AZ?
The best car insurance company in Cochise
AZ is
Root Insurance Company, offering $417 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Cochise, AZ
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Cochise Car Insurance
