Cheapest Car Insurance Quotes in Desert Hills

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Desert Hills Car Insurance

^$ 33

/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 Desert Hills

The car insurance rate in Desert Hills is $774 for a six-month policy, which is $159 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $389, making it a popular choice for budget-conscious drivers. Rates in Desert Hills 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 Desert Hills

$774

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Desert Hills

1st place: Root Insurance Company

At $389 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 $513 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $537 for six months, making it the third cheapest auto insurance company in Desert Hills.

Desert Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Desert Hills, AZ is Root Insurance Company, offering policies at just $389 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $513.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $902 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Desert Hills drivers find the best deals.

Cheap Car Insurance Companies in Desert Hills, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$389	$65
Auto-Owners Insurance Co	$513	$87
Farmers	$537	$90
Mercury	$552	$94
Hartford	$577	$96
Iowa Farm Bureau	$582	$99
Travelers	$617	$104
State Farm	$774	$130
Progressive	$798	$134
USAA	$803	$135
Auto-Owners	$863	$145
Allstate	$927	$156
The Hartford	$1105	$184
CSAA	$1677	$285
Nationwide	$902	$150

Key Takeaways

Way's key takeaways about car insurance in Desert Hills

The auto insurance costs in Desert Hills fall around $389 for six months.
The cheapest auto insurance company in Desert Hills is Mercury.
Teen drivers pay the highest rate in Desert Hills at $730 per month.

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Cheapest Minimum Liability Car Insurance in Desert Hills

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 Desert Hills are given below.

Mercury provides the cheapest minimum car insurance coverage in Desert Hills. Their Average 6 Month Premium is $198. Allstate is the most expensive at $345 for the same period.

Cheapest Liability Coverage in Desert Hills, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$198	$33
Travelers	$232	$39
Auto-Owners	$251	$42
Auto-Owners Insurance Co	$256	$44
Country Financial	$261	$43
USAA	$261	$44
Root Insurance Company	$266	$44
Farmers	$281	$48
Progressive	$286	$48
Iowa Farm Bureau	$295	$51
State Farm	$300	$51
Allstate	$345	$58

Cheapest Full Coverage Car Insurance in Desert Hills

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 Desert Hills is Root Insurance Company at $65 per month and $389 for six months.

Cheapest Full Coverage Car Insurance Quotes in Desert Hills, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$389	$65
Auto-Owners Insurance Co	$513	$87
Farmers	$537	$90
Mercury	$552	$94
Hartford	$577	$96
Iowa Farm Bureau	$582	$99
Travelers	$617	$104
State Farm	$774	$130
Progressive	$798	$134
USAA	$803	$135
Auto-Owners	$863	$145
Allstate	$927	$156
The Hartford	$1105	$184
CSAA	$1677	$285
Nationwide	$902	$150

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Average Car Insurance in Desert Hills 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 Desert Hills, AZ increasing?

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

Car Insurance Premiums by Age in Desert Hills

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	$447
40s	USAA	$408
50s	USAA	$386
60s	USAA	$397
70s	USAA	$469

Cheapest Car Insurance Rates for Teen Drivers in Desert Hills,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Desert Hills at $40 per month. At $4378 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$237	$40
Travelers	$237	$40
Root Insurance Company	$271	$46
Progressive	$281	$46
USAA	$286	$49
Country Financial	$305	$51
State Farm	$305	$51
Allstate	$345	$58
Farmers	$345	$59
Auto-Owners Insurance Co	$350	$58
Iowa Farm Bureau	$365	$62
Auto-Owners	$2071	$345
CSAA	$4378	$730

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 Desert Hills.

As young drivers face the highest rates in Desert Hills, USAA offers the cheapest auto insurance rates at $447 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 Desert Hills, Mercury is the cheapest car insurance provider. At $227 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 Desert Hills is Hartford, offering rates of around $542 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$227	$38
Travelers	$286	$49
Root Insurance Company	$340	$56
Progressive	$345	$59
Country Financial	$365	$61
Farmers	$409	$70
Nationwide	$419	$70
Allstate	$468	$80
Iowa Farm Bureau	$533	$89
Hartford	$542	$92

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Car Insurance Rates with An Accident in Desert Hills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Desert Hills

The cheapest car insurance companies after an at-fault accident in Desert Hills include Root Insurance Company and Country Financial, offering $335 and $340, respectively. CSAA is an expensive provider with an average six-month premium of $2722.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$335	$56
Country Financial	$340	$58
Auto-Owners Insurance Co	$399	$66
Travelers	$399	$67
State Farm	$533	$90
Noblr	$562	$95
Root	$612	$102
USAA	$646	$109
General Casualty	$764	$127
Progressive	$769	$129
Auto-Owners	$1095	$183
Farmers	$1129	$190
Mercury	$1174	$198
Allstate	$1198	$202
Farm Bureau Mutual (IA Group)	$1213	$203
Metromile	$1380	$235
General Agents Group	$1553	$259
Country	$1642	$279
The Hartford	$1741	$290
Encompass	$1785	$304
Nationwide	$1918	$320
Safeway	$2184	$371
Permanent General	$2361	$393
MetLife	$2692	$457
CSAA	$2722	$453

Desert Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Desert Hills AZ. For example, the car insurance in Desert Hills after a DUI increases to $1001 for a six month policy. While the rate increases by $203 for a six-month policy in the case of a speeding ticket.

Desert Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$971	$162
One Med/PIP claim	$971	$165
Not-at-fault accident	$976	$163
One comp claim	$1016	$173
Two Med/PIP claims	$1016	$169
Two comp claims	$1055	$179
Failure to wear a seat belt	$1110	$185
Child safety restraint	$1154	$196
Driving without lights	$1154	$193
Failure to show documents	$1154	$196
Speeding 6 - 10 MPH over limit	$1174	$196
Driving too slowly	$1218	$207
Speeding 11 - 15 MPH over limit	$1218	$203
Speeding in school zone	$1218	$207
Driving with expired registration	$1228	$205
Speeding 16 - 20 MPH over limit	$1228	$208
Cell phone violation	$1233	$206
Failure to stop at a red light	$1233	$210
Failure to yield	$1233	$206
Following too closely	$1233	$210
Illegal turn	$1233	$206
Texting while driving	$1233	$210
Wrong way/wrong lane	$1233	$206
Improper passing	$1252	$213
Speeding 21 - 25 MPH over limit	$1267	$211
In 65 MPH zone	$1287	$219
Passing school bus	$1301	$217
At-fault accident - less than $1000	$1336	$227
Operating a vehicle without permission	$1405	$234
At-fault accident - $1000-$2000	$1444	$246
At-fault accident - greater than $2000	$1464	$244
Open container	$1538	$261
Reckless driving	$1706	$285
Driving with a suspended license	$1760	$300
DUI	$1972	$329
Refusal to submit to a chemical test	$1972	$335
Racing	$2016	$336
Leaving scene of an accident/hit and run	$2026	$344

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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 Desert Hills 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 Desert Hills.

The cheapest car insurance premiums in Desert Hills are offered by Mercury at $261 for a six-month policy. However, it can be as expensive as $1484 with companies like Nationwide.

Desert Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$261	$45
Root Insurance Company	$295	$49
Country Financial	$370	$63
Travelers	$453	$76
Progressive	$458	$77
Hartford	$463	$77
State Farm	$488	$82
Farmers	$745	$125
USAA	$991	$167
Allstate	$1469	$245
Nationwide	$1484	$252

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 Desert Hills are offered by AutoOwners Insurance Co at $256. However, it can be as expensive as $345 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Desert Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$256	$44
State Farm	$261	$43
Travelers	$261	$45
Mercury	$281	$46
Progressive	$300	$51
Country Financial	$305	$51
Root Insurance Company	$335	$57
Farmers	$345	$57

Car Insurance Price Trends in Desert Hills, Arizona

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

The average cost of full coverage in the Desert Hills rose by $100 in December compared to $98 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 Desert Hills rose to $45 in December, compared to $43 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 Desert Hills?

The car insurance in Desert Hills is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Desert Hills?

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

How much is car insurance in Desert Hills for teenagers?

Car insurance for teenagers costs $237 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 Desert Hills?

The average cost of car insurance is $933 for a six-month policy. It will cost around $130 per month to insure your car in Desert Hills.

Is car insurance expensive in Desert Hills?

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

What is the best car insurance in Desert Hills, AZ?

The best car insurance company in Desert Hills AZ is Root Insurance Company, offering $389 for a six-month policy.