Cheapest Car Insurance Quotes in El Mirage

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El Mirage Car Insurance

^$ 48

/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 El Mirage

The car insurance rate in El Mirage is $1231 for a six-month policy, which is $214 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $567, making it a popular choice for budget-conscious drivers. Rates in El Mirage 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 El Mirage

$1231

Avg. Car Insurance in Arizona

$1017

National Average

$1278

Cheapest Car Insurance Companies in El Mirage

1st place: Root Insurance Company

At $567 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 $748 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $783 for six months, making it the third cheapest auto insurance company in El Mirage.

El Mirage Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in El Mirage, AZ is Root Insurance Company, offering policies at just $567 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $748.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1315 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help El Mirage drivers find the best deals.

Cheap Car Insurance Companies in El Mirage, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$567	$97
Auto-Owners Insurance Co	$748	$125
Farmers	$783	$133
Mercury	$805	$134
Hartford	$841	$143
Iowa Farm Bureau	$848	$142
Travelers	$999	$168
USAA	$1171	$197
Progressive	$1186	$200
State Farm	$1208	$203
Auto-Owners	$1359	$229
Farm Bureau	$1761	$294
Allstate	$1833	$309
The Hartford	$1833	$309
CSAA	$2444	$415
Nationwide	$1315	$219

Key Takeaways

Way's key takeaways about car insurance in El Mirage

The auto insurance costs in El Mirage fall around $567 for six months.
The cheapest auto insurance company in El Mirage is Mercury.
Teen drivers pay the highest rate in El Mirage at $1064 per month.

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Cheapest Minimum Liability Car Insurance in El Mirage

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 El Mirage are given below.

Mercury provides the cheapest minimum car insurance coverage in El Mirage. Their Average 6 Month Premium is $288. The Hartford is the most expensive at $741 for the same period.

Cheapest Liability Coverage in El Mirage, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$288	$48
Auto-Owners Insurance Co	$374	$64
Travelers	$374	$63
Country Financial	$381	$65
Root Insurance Company	$388	$64
USAA	$396	$67
Farmers	$410	$68
Auto-Owners	$431	$73
Iowa Farm Bureau	$431	$71
State Farm	$474	$80
Progressive	$489	$82
Allstate	$618	$104
Farm Bureau	$668	$111
The Hartford	$741	$126

Cheapest Full Coverage Car Insurance in El Mirage

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 El Mirage is Root Insurance Company at $97 per month and $567 for six months.

Cheapest Full Coverage Car Insurance Quotes in El Mirage, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$567	$97
Auto-Owners Insurance Co	$748	$125
Farmers	$783	$133
Mercury	$805	$134
Hartford	$841	$143
Iowa Farm Bureau	$848	$142
Travelers	$999	$168
USAA	$1171	$197
Progressive	$1186	$200
State Farm	$1208	$203
Auto-Owners	$1359	$229
Farm Bureau	$1761	$294
Allstate	$1833	$309
The Hartford	$1833	$309
CSAA	$2444	$415
Nationwide	$1315	$219

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Average Car Insurance in El Mirage 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 El Mirage, AZ increasing?

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

Car Insurance Premiums by Age in El Mirage

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

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Cheapest Car Insurance Rates for Teen Drivers in El Mirage,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the El Mirage at $58 per month. At $6383 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$345	$58
Root Insurance Company	$396	$68
Country Financial	$445	$74
Farmers	$503	$86
Auto-Owners Insurance Co	$511	$85
Iowa Farm Bureau	$532	$91
Travelers	$1459	$246
USAA	$1725	$290
State Farm	$1797	$303
Progressive	$2789	$469
Allstate	$2975	$501
Farm Bureau	$4557	$774
Auto-Owners	$4593	$766
The Hartford	$5821	$990
CSAA	$6383	$1064

Teen Car Insurance Rates in AZ by Age

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 El Mirage, Mercury is the cheapest car insurance provider. At $330 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 El Mirage is State Farm, offering rates of around $8295 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$330	$56
Root Insurance Company	$496	$85
Country Financial	$532	$88
Farmers	$597	$102
Nationwide	$611	$102
Iowa Farm Bureau	$777	$132
Hartford	$790	$132
Progressive	$1251	$211
Travelers	$1279	$215
Allstate	$2357	$397
USAA	$2364	$394
Farm Bureau	$3041	$517
The Hartford	$3759	$627
Auto-Owners	$4521	$768
State Farm	$8295	$1382

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Car Insurance Rates with An Accident in El Mirage

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

Cheapest Car Insurance Companies after an At-Fault Accident in El Mirage

The cheapest car insurance companies after an at-fault accident in El Mirage include Root Insurance Company and Country Financial, offering $489 and $496, respectively. CSAA is an expensive provider with an average six-month premium of $3968.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$489	$81
Country Financial	$496	$85
Auto-Owners Insurance Co	$582	$97
Noblr	$819	$139
Travelers	$855	$144
Root	$892	$151
State Farm	$912	$154
General Casualty	$1114	$190
USAA	$1142	$192
Progressive	$1308	$220
Farmers	$1646	$277
Mercury	$1711	$288
Farm Bureau Mutual (IA Group)	$1768	$295
Auto-Owners	$1905	$321
Metromile	$2012	$335
General Agents Group	$2264	$385
Country	$2393	$399
Encompass	$2602	$443
Allstate	$2631	$443
Nationwide	$2796	$476
The Hartford	$2846	$479
Safeway	$3184	$541
Farm Bureau	$3364	$560
Permanent General	$3442	$586
MetLife	$3924	$655
CSAA	$3968	$675

El Mirage Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in El Mirage AZ. For example, the car insurance in El Mirage after a DUI increases to $1459 for a six month policy. While the rate increases by $295 for a six-month policy in the case of a speeding ticket.

El Mirage auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1416	$236
One Med/PIP claim	$1416	$241
Not-at-fault accident	$1423	$237
One comp claim	$1481	$252
Two Med/PIP claims	$1481	$247
Two comp claims	$1538	$261
Failure to wear a seat belt	$1618	$270
Child safety restraint	$1682	$286
Driving without lights	$1682	$281
Failure to show documents	$1682	$286
Speeding 6 - 10 MPH over limit	$1711	$286
Driving too slowly	$1775	$301
Speeding 11 - 15 MPH over limit	$1775	$296
Speeding in school zone	$1775	$301
Driving with expired registration	$1790	$299
Speeding 16 - 20 MPH over limit	$1790	$304
Cell phone violation	$1797	$300
Failure to stop at a red light	$1797	$306
Failure to yield	$1797	$300
Following too closely	$1797	$306
Illegal turn	$1797	$300
Texting while driving	$1797	$306
Wrong way/wrong lane	$1797	$300
Improper passing	$1826	$311
Speeding 21 - 25 MPH over limit	$1848	$307
In 65 MPH zone	$1876	$319
Passing school bus	$1897	$316
At-fault accident - less than $1000	$1948	$332
Operating a vehicle without permission	$2049	$341
At-fault accident - $1000-$2000	$2105	$358
At-fault accident - greater than $2000	$2134	$356
Open container	$2242	$381
Reckless driving	$2487	$415
Driving with a suspended license	$2566	$437
DUI	$2875	$479
Refusal to submit to a chemical test	$2875	$489
Racing	$2939	$490
Leaving scene of an accident/hit and run	$2954	$502

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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 El Mirage 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 El Mirage.

The cheapest car insurance premiums in El Mirage are offered by Mercury at $381 for a six-month policy. However, it can be as expensive as $4276 with companies like Farm Bureau.

El Mirage car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$381	$63
Root Insurance Company	$431	$74
Country Financial	$540	$90
Hartford	$675	$115
Progressive	$905	$152
Travelers	$1007	$169
Farmers	$1085	$183
State Farm	$1237	$208
USAA	$1746	$294
Nationwide	$2163	$368
Auto-Owners	$2846	$474
The Hartford	$3127	$531
Allstate	$3313	$558
Farm Bureau	$4276	$727

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 El Mirage are offered by AutoOwners Insurance Co at $374. However, it can be as expensive as $4068 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in El Mirage after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$374	$64
Mercury	$410	$68
Country Financial	$445	$76
Root Insurance Company	$489	$81
Farmers	$503	$86
State Farm	$970	$163
Travelers	$1078	$182
Progressive	$1085	$183
USAA	$1538	$261
Auto-Owners	$1574	$263
Farm Bureau	$2393	$407
The Hartford	$2724	$454
Allstate	$4068	$692

Car Insurance Price Trends in El Mirage, Arizona

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

The average cost of full coverage in the El Mirage rose by $254 in January compared to $146 of December. In other words, there has been an increase by $108 when you compare January and December.

The average cost of liability insurance in the El Mirage rose to $76 in January, compared to $65 in December. This represents an increase of $11 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in El Mirage?

The car insurance in El Mirage is $48 per month, which is lower than the national average.

What is the cheapest car insurance in El Mirage?

The cheapest car insurance in El Mirage is $97 per month for full coverage.

How much is car insurance in El Mirage for teenagers?

Car insurance for teenagers costs $345 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 El Mirage?

The average cost of car insurance is $1017 for a six-month policy. It will cost around $207 per month to insure your car in El Mirage.

Is car insurance expensive in El Mirage?

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

What is the best car insurance in El Mirage, AZ?

The best car insurance company in El Mirage AZ is Root Insurance Company, offering $567 for a six-month policy.