Cheapest Car Insurance Quotes in Donovan Estates

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Donovan Estates Car Insurance

^$ 39

/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 Donovan Estates

The car insurance rate in Donovan Estates is $905 for a six-month policy, which is $28 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $455, making it a popular choice for budget-conscious drivers. Rates in Donovan Estates 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 Donovan Estates

$905

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Donovan Estates

1st place: Root Insurance Company

At $455 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 $599 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $628 for six months, making it the third cheapest auto insurance company in Donovan Estates.

Donovan Estates Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Donovan Estates, AZ is Root Insurance Company, offering policies at just $455 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $599.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1054 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Donovan Estates drivers find the best deals.

Cheap Car Insurance Companies in Donovan Estates, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$455	$76
Auto-Owners Insurance Co	$599	$102
Farmers	$628	$105
Mercury	$645	$110
Hartford	$674	$113
Iowa Farm Bureau	$680	$115
Travelers	$721	$121
State Farm	$905	$152
Progressive	$933	$157
USAA	$939	$158
Auto-Owners	$1009	$170
Allstate	$1083	$182
The Hartford	$1291	$215
CSAA	$1959	$333
Nationwide	$1054	$176

Key Takeaways

Way's key takeaways about car insurance in Donovan Estates

The auto insurance costs in Donovan Estates fall around $455 for six months.
The cheapest auto insurance company in Donovan Estates is Mercury.
Teen drivers pay the highest rate in Donovan Estates at $853 per month.

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Cheapest Minimum Liability Car Insurance in Donovan Estates

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 Donovan Estates are given below.

Mercury provides the cheapest minimum car insurance coverage in Donovan Estates. Their Average 6 Month Premium is $231. Allstate is the most expensive at $404 for the same period.

Cheapest Liability Coverage in Donovan Estates, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$231	$39
Travelers	$271	$46
Auto-Owners	$294	$49
Auto-Owners Insurance Co	$300	$51
Country Financial	$306	$50
USAA	$306	$51
Root Insurance Company	$311	$51
Farmers	$329	$56
Progressive	$335	$56
Iowa Farm Bureau	$345	$59
State Farm	$351	$59
Allstate	$404	$68

Cheapest Full Coverage Car Insurance in Donovan Estates

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 Donovan Estates is Root Insurance Company at $76 per month and $455 for six months.

Cheapest Full Coverage Car Insurance Quotes in Donovan Estates, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$455	$76
Auto-Owners Insurance Co	$599	$102
Farmers	$628	$105
Mercury	$645	$110
Hartford	$674	$113
Iowa Farm Bureau	$680	$115
Travelers	$721	$121
State Farm	$905	$152
Progressive	$933	$157
USAA	$939	$158
Auto-Owners	$1009	$170
Allstate	$1083	$182
The Hartford	$1291	$215
CSAA	$1959	$333
Nationwide	$1054	$176

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Average Car Insurance in Donovan Estates 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 Donovan Estates, AZ increasing?

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

Car Insurance Premiums by Age in Donovan Estates

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	$523
40s	USAA	$476
50s	USAA	$451
60s	USAA	$464
70s	USAA	$548

Cheapest Car Insurance Rates for Teen Drivers in Donovan Estates,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Donovan Estates at $47 per month. At $5117 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$276	$47
Travelers	$276	$47
Root Insurance Company	$317	$54
Progressive	$329	$54
USAA	$335	$57
Country Financial	$357	$59
State Farm	$357	$60
Allstate	$404	$68
Farmers	$404	$69
Auto-Owners Insurance Co	$409	$68
Iowa Farm Bureau	$427	$73
Auto-Owners	$2420	$404
CSAA	$5117	$853

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 Donovan Estates.

As young drivers face the highest rates in Donovan Estates, USAA offers the cheapest auto insurance rates at $523 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 Donovan Estates, Mercury is the cheapest car insurance provider. At $265 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 Donovan Estates is Hartford, offering rates of around $633 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$265	$45
Travelers	$335	$57
Root Insurance Company	$398	$66
Progressive	$404	$69
Country Financial	$427	$71
Farmers	$478	$81
Nationwide	$490	$81
Allstate	$547	$93
Iowa Farm Bureau	$623	$104
Hartford	$633	$108

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Car Insurance Rates with An Accident in Donovan Estates

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

Cheapest Car Insurance Companies after an At-Fault Accident in Donovan Estates

The cheapest car insurance companies after an at-fault accident in Donovan Estates include Root Insurance Company and Country Financial, offering $392 and $398, respectively. CSAA is an expensive provider with an average six-month premium of $3181.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$392	$65
Country Financial	$398	$68
Auto-Owners Insurance Co	$467	$78
Travelers	$467	$79
State Farm	$623	$105
Noblr	$657	$112
Root	$715	$119
USAA	$755	$127
General Casualty	$893	$148
Progressive	$899	$151
Auto-Owners	$1279	$213
Farmers	$1319	$222
Mercury	$1372	$231
Allstate	$1400	$236
Farm Bureau Mutual (IA Group)	$1417	$237
Metromile	$1613	$275
General Agents Group	$1815	$303
Country	$1919	$326
The Hartford	$2034	$339
Encompass	$2086	$355
Nationwide	$2242	$373
Safeway	$2552	$434
Permanent General	$2760	$460
MetLife	$3146	$534
CSAA	$3181	$530

Donovan Estates Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Donovan Estates AZ. For example, the car insurance in Donovan Estates after a DUI increases to $1170 for a six month policy. While the rate increases by $237 for a six-month policy in the case of a speeding ticket.

Donovan Estates auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1135	$189
One Med/PIP claim	$1135	$193
Not-at-fault accident	$1141	$190
One comp claim	$1187	$202
Two Med/PIP claims	$1187	$198
Two comp claims	$1233	$210
Failure to wear a seat belt	$1297	$216
Child safety restraint	$1348	$229
Driving without lights	$1348	$225
Failure to show documents	$1348	$229
Speeding 6 - 10 MPH over limit	$1372	$229
Driving too slowly	$1423	$242
Speeding 11 - 15 MPH over limit	$1423	$238
Speeding in school zone	$1423	$242
Driving with expired registration	$1435	$240
Speeding 16 - 20 MPH over limit	$1435	$243
Cell phone violation	$1440	$241
Failure to stop at a red light	$1440	$245
Failure to yield	$1440	$241
Following too closely	$1440	$245
Illegal turn	$1440	$241
Texting while driving	$1440	$245
Wrong way/wrong lane	$1440	$241
Improper passing	$1464	$249
Speeding 21 - 25 MPH over limit	$1481	$246
In 65 MPH zone	$1504	$256
Passing school bus	$1521	$253
At-fault accident - less than $1000	$1562	$266
Operating a vehicle without permission	$1642	$274
At-fault accident - $1000-$2000	$1688	$287
At-fault accident - greater than $2000	$1711	$285
Open container	$1797	$306
Reckless driving	$1993	$333
Driving with a suspended license	$2057	$350
DUI	$2305	$384
Refusal to submit to a chemical test	$2305	$392
Racing	$2356	$393
Leaving scene of an accident/hit and run	$2368	$403

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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 Donovan Estates 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 Donovan Estates.

The cheapest car insurance premiums in Donovan Estates are offered by Mercury at $306 for a six-month policy. However, it can be as expensive as $1734 with companies like Nationwide.

Donovan Estates car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$306	$52
Root Insurance Company	$345	$57
Country Financial	$433	$74
Travelers	$530	$89
Progressive	$535	$90
Hartford	$541	$90
State Farm	$570	$96
Farmers	$870	$146
USAA	$1158	$195
Allstate	$1717	$286
Nationwide	$1734	$295

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 Donovan Estates are offered by AutoOwners Insurance Co at $300. However, it can be as expensive as $404 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Donovan Estates after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$300	$51
State Farm	$306	$50
Travelers	$306	$52
Mercury	$329	$54
Progressive	$351	$60
Country Financial	$357	$59
Root Insurance Company	$392	$67
Farmers	$404	$67

Car Insurance Price Trends in Donovan Estates, Arizona

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

The average cost of full coverage in the Donovan Estates rose by $117 in December compared to $114 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 Donovan Estates rose to $52 in December, compared to $50 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 Donovan Estates?

The car insurance in Donovan Estates is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Donovan Estates?

The cheapest car insurance in Donovan Estates is $76 per month for full coverage.

How much is car insurance in Donovan Estates for teenagers?

Car insurance for teenagers costs $276 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 Donovan Estates?

The average cost of car insurance is $933 for a six-month policy. It will cost around $152 per month to insure your car in Donovan Estates.

Is car insurance expensive in Donovan Estates?

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

What is the best car insurance in Donovan Estates, AZ?

The best car insurance company in Donovan Estates AZ is Root Insurance Company, offering $455 for a six-month policy.