Cheapest Car Insurance Quotes in Golden Valley

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Golden Valley Car Insurance

^$ 36

/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 $840 for a six-month policy, which is $93 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $422, 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

$840

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Golden Valley

1st place: Root Insurance Company

At $422 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 $556 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $582 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 $422 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $556.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $978 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	$422	$70
Auto-Owners Insurance Co	$556	$95
Farmers	$582	$97
Mercury	$599	$102
Hartford	$626	$104
Iowa Farm Bureau	$631	$107
Travelers	$669	$113
State Farm	$840	$141
Progressive	$866	$146
USAA	$871	$147
Auto-Owners	$936	$158
Allstate	$1005	$169
The Hartford	$1198	$200
CSAA	$1818	$309
Nationwide	$978	$163

Key Takeaways

Way's key takeaways about car insurance in Golden Valley

The auto insurance costs in Golden Valley fall around $422 for six months.
The cheapest auto insurance company in Golden Valley is Mercury.
Teen drivers pay the highest rate in Golden Valley at $791 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 $214. Allstate is the most expensive at $374 for the same period.

Cheapest Liability Coverage in Golden Valley, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$214	$36
Travelers	$251	$42
Auto-Owners	$273	$46
Auto-Owners Insurance Co	$278	$48
Country Financial	$284	$47
USAA	$284	$48
Root Insurance Company	$289	$48
Farmers	$305	$52
Progressive	$311	$52
Iowa Farm Bureau	$320	$55
State Farm	$326	$55
Allstate	$374	$63

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 $70 per month and $422 for six months.

Cheapest Full Coverage Car Insurance Quotes in Golden Valley, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$422	$70
Auto-Owners Insurance Co	$556	$95
Farmers	$582	$97
Mercury	$599	$102
Hartford	$626	$104
Iowa Farm Bureau	$631	$107
Travelers	$669	$113
State Farm	$840	$141
Progressive	$866	$146
USAA	$871	$147
Auto-Owners	$936	$158
Allstate	$1005	$169
The Hartford	$1198	$200
CSAA	$1818	$309
Nationwide	$978	$163

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	USAA	$485
40s	USAA	$442
50s	USAA	$419
60s	USAA	$430
70s	USAA	$509

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 $43 per month. At $4748 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$257	$43
Travelers	$257	$43
Root Insurance Company	$294	$50
Progressive	$305	$50
USAA	$311	$53
Country Financial	$331	$55
State Farm	$331	$56
Allstate	$374	$63
Farmers	$374	$64
Auto-Owners Insurance Co	$380	$63
Iowa Farm Bureau	$396	$68
Auto-Owners	$2246	$374
CSAA	$4748	$791

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 Golden Valley.

As young drivers face the highest rates in Golden Valley, USAA offers the cheapest auto insurance rates at $485 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 Golden Valley, Mercury is the cheapest car insurance provider. At $246 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 Hartford, offering rates of around $588 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$246	$41
Travelers	$311	$53
Root Insurance Company	$369	$61
Progressive	$374	$64
Country Financial	$396	$66
Farmers	$444	$76
Nationwide	$455	$76
Allstate	$508	$86
Iowa Farm Bureau	$578	$96
Hartford	$588	$100

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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 $364 and $369, respectively. CSAA is an expensive provider with an average six-month premium of $2951.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$364	$60
Country Financial	$369	$63
Auto-Owners Insurance Co	$433	$72
Travelers	$433	$73
State Farm	$578	$97
Noblr	$609	$104
Root	$663	$111
USAA	$700	$118
General Casualty	$829	$138
Progressive	$834	$140
Auto-Owners	$1187	$198
Farmers	$1224	$206
Mercury	$1273	$214
Allstate	$1299	$219
Farm Bureau Mutual (IA Group)	$1315	$220
Metromile	$1497	$255
General Agents Group	$1684	$281
Country	$1780	$302
The Hartford	$1887	$314
Encompass	$1935	$329
Nationwide	$2080	$347
Safeway	$2368	$402
Permanent General	$2561	$427
MetLife	$2919	$496
CSAA	$2951	$491

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 $1085 for a six month policy. While the rate increases by $220 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	$1053	$176
One Med/PIP claim	$1053	$179
Not-at-fault accident	$1058	$176
One comp claim	$1102	$187
Two Med/PIP claims	$1102	$184
Two comp claims	$1144	$194
Failure to wear a seat belt	$1203	$201
Child safety restraint	$1251	$212
Driving without lights	$1251	$209
Failure to show documents	$1251	$212
Speeding 6 - 10 MPH over limit	$1273	$212
Driving too slowly	$1320	$224
Speeding 11 - 15 MPH over limit	$1320	$221
Speeding in school zone	$1320	$224
Driving with expired registration	$1331	$222
Speeding 16 - 20 MPH over limit	$1331	$226
Cell phone violation	$1337	$223
Failure to stop at a red light	$1337	$228
Failure to yield	$1337	$223
Following too closely	$1337	$228
Illegal turn	$1337	$223
Texting while driving	$1337	$228
Wrong way/wrong lane	$1337	$223
Improper passing	$1358	$231
Speeding 21 - 25 MPH over limit	$1374	$229
In 65 MPH zone	$1395	$238
Passing school bus	$1411	$235
At-fault accident - less than $1000	$1449	$247
Operating a vehicle without permission	$1524	$254
At-fault accident - $1000-$2000	$1566	$266
At-fault accident - greater than $2000	$1588	$265
Open container	$1668	$284
Reckless driving	$1850	$309
Driving with a suspended license	$1909	$325
DUI	$2138	$356
Refusal to submit to a chemical test	$2138	$364
Racing	$2186	$365
Leaving scene of an accident/hit and run	$2197	$374

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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 $284 for a six-month policy. However, it can be as expensive as $1609 with companies like Nationwide.

Golden Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$284	$49
Root Insurance Company	$320	$53
Country Financial	$401	$68
Travelers	$491	$83
Progressive	$497	$84
Hartford	$502	$84
State Farm	$529	$89
Farmers	$807	$136
USAA	$1075	$181
Allstate	$1593	$266
Nationwide	$1609	$274

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 $278. However, it can be as expensive as $374 with companies like Farmers 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	$278	$48
State Farm	$284	$47
Travelers	$284	$49
Mercury	$305	$50
Progressive	$326	$56
Country Financial	$331	$55
Root Insurance Company	$364	$62
Farmers	$374	$62

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 $109 in December compared to $106 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 Golden Valley rose to $49 in December, compared to $47 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 Golden Valley?

The car insurance in Golden Valley is $36 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 $70 per month for full coverage.

How much is car insurance in Golden Valley for teenagers?

Car insurance for teenagers costs $257 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 $933 for a six-month policy. It will cost around $141 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 $422 for a six-month policy.