Cheapest Car Insurance Quotes in Golden Valley

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Golden Valley Car Insurance

^$ 31

/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 Golden Valley

The car insurance rate in Golden Valley is $793 for a six-month policy, which is $224 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $366, making it a popular choice for budget-conscious drivers. Rates in Golden Valley 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 Golden Valley

$793

Avg. Car Insurance in Arizona

$1017

National Average

$1278

Cheapest Car Insurance Companies in Golden Valley

1st place: Root Insurance Company

At $366 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 $482 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $505 for six months, making it the third cheapest auto insurance company in Golden Valley.

Golden Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Golden Valley, AZ is Root Insurance Company, offering policies at just $366 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $482.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $848 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Golden Valley drivers find the best deals.

Cheap Car Insurance Companies in Golden Valley, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$366	$62
Auto-Owners Insurance Co	$482	$80
Farmers	$505	$86
Mercury	$519	$87
Hartford	$542	$92
Iowa Farm Bureau	$547	$91
Travelers	$644	$108
USAA	$755	$127
Progressive	$764	$129
State Farm	$778	$131
Auto-Owners	$876	$147
Farm Bureau	$1135	$190
Allstate	$1182	$199
The Hartford	$1182	$199
CSAA	$1576	$268
Nationwide	$848	$141

Key Takeaways

Way's key takeaways about car insurance in Golden Valley

The auto insurance costs in Golden Valley fall around $366 for six months.
The cheapest auto insurance company in Golden Valley is Mercury.
Teen drivers pay the highest rate in Golden Valley at $686 per month.

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Cheapest Minimum Liability Car Insurance in Golden Valley

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 Golden Valley are given below.

Mercury provides the cheapest minimum car insurance coverage in Golden Valley. Their Average 6 Month Premium is $186. The Hartford is the most expensive at $477 for the same period.

Cheapest Liability Coverage in Golden Valley, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$186	$31
Auto-Owners Insurance Co	$241	$41
Travelers	$241	$41
Country Financial	$246	$42
Root Insurance Company	$250	$41
USAA	$255	$43
Farmers	$264	$44
Auto-Owners	$278	$47
Iowa Farm Bureau	$278	$46
State Farm	$306	$51
Progressive	$315	$53
Allstate	$399	$67
Farm Bureau	$431	$72
The Hartford	$477	$81

Cheapest Full Coverage Car Insurance in Golden Valley

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 Golden Valley is Root Insurance Company at $62 per month and $366 for six months.

Cheapest Full Coverage Car Insurance Quotes in Golden Valley, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$366	$62
Auto-Owners Insurance Co	$482	$80
Farmers	$505	$86
Mercury	$519	$87
Hartford	$542	$92
Iowa Farm Bureau	$547	$91
Travelers	$644	$108
USAA	$755	$127
Progressive	$764	$129
State Farm	$778	$131
Auto-Owners	$876	$147
Farm Bureau	$1135	$190
Allstate	$1182	$199
The Hartford	$1182	$199
CSAA	$1576	$268
Nationwide	$848	$141

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Average Car Insurance in Golden Valley 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 Golden Valley, AZ increasing?

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

Car Insurance Premiums by Age in Golden Valley

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 Golden Valley,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Golden Valley at $37 per month. At $4115 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$222	$37
Root Insurance Company	$255	$44
Country Financial	$287	$48
Farmers	$324	$55
Auto-Owners Insurance Co	$329	$55
Iowa Farm Bureau	$343	$59
Travelers	$941	$158
USAA	$1112	$187
State Farm	$1158	$195
Progressive	$1798	$303
Allstate	$1918	$323
Farm Bureau	$2937	$499
Auto-Owners	$2961	$494
The Hartford	$3753	$638
CSAA	$4115	$686

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 Golden Valley, Mercury is the cheapest car insurance provider. At $213 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 Golden Valley is State Farm, offering rates of around $5347 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$213	$36
Root Insurance Company	$320	$55
Country Financial	$343	$57
Farmers	$385	$66
Nationwide	$394	$66
Iowa Farm Bureau	$501	$85
Hartford	$509	$85
Progressive	$807	$136
Travelers	$824	$139
Allstate	$1519	$256
USAA	$1524	$254
Farm Bureau	$1960	$333
The Hartford	$2423	$404
Auto-Owners	$2914	$495
State Farm	$5347	$891

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Car Insurance Rates with An Accident in Golden Valley

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 Golden Valley, AZ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Golden Valley

The cheapest car insurance companies after an at-fault accident in Golden Valley include Root Insurance Company and Country Financial, offering $315 and $320, respectively. CSAA is an expensive provider with an average six-month premium of $2558.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$315	$52
Country Financial	$320	$55
Auto-Owners Insurance Co	$375	$62
Noblr	$528	$90
Travelers	$551	$93
Root	$575	$98
State Farm	$588	$99
General Casualty	$718	$122
USAA	$736	$124
Progressive	$843	$142
Farmers	$1061	$179
Mercury	$1103	$186
Farm Bureau Mutual (IA Group)	$1140	$190
Auto-Owners	$1228	$207
Metromile	$1297	$216
General Agents Group	$1459	$248
Country	$1543	$257
Encompass	$1677	$285
Allstate	$1696	$285
Nationwide	$1803	$307
The Hartford	$1835	$309
Safeway	$2052	$349
Farm Bureau	$2168	$361
Permanent General	$2219	$378
MetLife	$2530	$422
CSAA	$2558	$435

Golden Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Golden Valley AZ. For example, the car insurance in Golden Valley after a DUI increases to $940 for a six month policy. While the rate increases by $190 for a six-month policy in the case of a speeding ticket.

Golden Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$913	$152
One Med/PIP claim	$913	$155
Not-at-fault accident	$917	$153
One comp claim	$955	$162
Two Med/PIP claims	$955	$159
Two comp claims	$991	$168
Failure to wear a seat belt	$1043	$174
Child safety restraint	$1084	$184
Driving without lights	$1084	$181
Failure to show documents	$1084	$184
Speeding 6 - 10 MPH over limit	$1103	$184
Driving too slowly	$1144	$194
Speeding 11 - 15 MPH over limit	$1144	$191
Speeding in school zone	$1144	$194
Driving with expired registration	$1154	$193
Speeding 16 - 20 MPH over limit	$1154	$196
Cell phone violation	$1158	$193
Failure to stop at a red light	$1158	$197
Failure to yield	$1158	$193
Following too closely	$1158	$197
Illegal turn	$1158	$193
Texting while driving	$1158	$197
Wrong way/wrong lane	$1158	$193
Improper passing	$1177	$200
Speeding 21 - 25 MPH over limit	$1191	$198
In 65 MPH zone	$1209	$206
Passing school bus	$1223	$204
At-fault accident - less than $1000	$1256	$214
Operating a vehicle without permission	$1321	$220
At-fault accident - $1000-$2000	$1357	$231
At-fault accident - greater than $2000	$1376	$229
Open container	$1445	$246
Reckless driving	$1603	$268
Driving with a suspended license	$1654	$282
DUI	$1853	$309
Refusal to submit to a chemical test	$1853	$315
Racing	$1895	$316
Leaving scene of an accident/hit and run	$1904	$324

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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 Golden Valley 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 Golden Valley.

The cheapest car insurance premiums in Golden Valley are offered by Mercury at $246 for a six-month policy. However, it can be as expensive as $2757 with companies like Farm Bureau.

Golden Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$246	$41
Root Insurance Company	$278	$48
Country Financial	$348	$58
Hartford	$435	$74
Progressive	$583	$98
Travelers	$649	$109
Farmers	$700	$118
State Farm	$797	$134
USAA	$1126	$190
Nationwide	$1395	$237
Auto-Owners	$1835	$306
The Hartford	$2016	$342
Allstate	$2136	$360
Farm Bureau	$2757	$469

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 Golden Valley are offered by AutoOwners Insurance Co at $241. However, it can be as expensive as $2622 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Golden Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$241	$41
Mercury	$264	$44
Country Financial	$287	$49
Root Insurance Company	$315	$52
Farmers	$324	$55
State Farm	$626	$105
Travelers	$695	$117
Progressive	$700	$118
USAA	$991	$168
Auto-Owners	$1015	$169
Farm Bureau	$1543	$262
The Hartford	$1756	$293
Allstate	$2622	$446

Car Insurance Price Trends in Golden Valley, Arizona

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

The average cost of full coverage in the Golden Valley rose by $164 in January compared to $94 of December. In other words, there has been an increase by $70 when you compare January and December.

The average cost of liability insurance in the Golden Valley rose to $49 in January, compared to $42 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Golden Valley?

The car insurance in Golden Valley is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Golden Valley?

The cheapest car insurance in Golden Valley is $62 per month for full coverage.

How much is car insurance in Golden Valley for teenagers?

Car insurance for teenagers costs $222 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 Golden Valley?

The average cost of car insurance is $1017 for a six-month policy. It will cost around $133 per month to insure your car in Golden Valley.

Is car insurance expensive in Golden Valley?

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

What is the best car insurance in Golden Valley, AZ?

The best car insurance company in Golden Valley AZ is Root Insurance Company, offering $366 for a six-month policy.