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Finding the cheapest car insurance quotes in Gray Mountain shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Gray Mountain
The car insurance rate in Gray Mountain is $924 for a six-month policy, which is $9 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $464, making it a popular choice for budget-conscious drivers. Rates in Gray Mountain 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.
At $464 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 $612 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Farmers
Farmers offers auto insurance
rates at $641
for six months, making it
the third cheapest auto insurance company in Gray Mountain.
Gray Mountain Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Gray Mountain, AZ is Root Insurance Company, offering policies at just $464 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $612.
At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1076 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gray Mountain drivers find the best deals.
Cheap Car Insurance Companies in Gray Mountain, AZ
Way's key takeaways about car insurance in Gray Mountain
The auto insurance costs in Gray Mountain fall around $464 for six
months.
The cheapest auto insurance company in Gray Mountain is Mercury.
Teen drivers pay the highest rate in Gray Mountain at $870 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Gray Mountain
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 Gray Mountain are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Gray Mountain. Their Average 6 Month Premium is $236.
Allstate is the most
expensive at $412 for the same
period.
Cheapest Full Coverage Car Insurance in Gray Mountain
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 Gray Mountain is Root Insurance Company
at $77 per month and $464
for six months.
Cheapest Full Coverage Car Insurance Quotes in Gray Mountain,
AZ
Get Your Car Insurance Quote in Gray Mountain
Instantly!
Average Car Insurance in Gray Mountain 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 Gray Mountain, AZ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Gray Mountain, 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, Gray Mountain's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Gray Mountain
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
$534
40s
USAA
$486
50s
USAA
$460
60s
USAA
$473
70s
USAA
$559
Cheapest Car Insurance Rates for Teen Drivers in
Gray Mountain,AZ
If you are planning to get a car insurance policy for your teenage
dependent, Mercury provides the cheapest car
insurance in the Gray Mountain at $48
per
month. At $5222 for a six-month premium,
CSAA offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Gray Mountain.
As young drivers face the highest rates in Gray Mountain, USAA
offers the cheapest auto insurance rates at $534 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 Gray Mountain,
Mercury is
the cheapest car insurance provider. At $270 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
Gray Mountain is Hartford, offering
rates of around $646 for six
months.
Save up to $971/yr on car insurance rates in Gray Mountain.
Car Insurance Rates with An Accident in Gray Mountain
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 Gray Mountain, AZ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Gray Mountain
The cheapest car insurance companies after an at-fault accident in
Gray Mountain include Root Insurance Company
and Country Financial, offering $400
and $406,
respectively. CSAA is an expensive provider
with an average six-month premium of
$3246.
Here is a list of driving violations that can increase your car
insurance rates in Gray Mountain AZ. For example, the car
insurance in Gray Mountain
after a DUI increases to $1194 for a six
month policy. While the rate increases by $242 for a six-month policy in the case of
a speeding ticket.
Gray Mountain auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1158
$193
One Med/PIP claim
$1158
$197
Not-at-fault accident
$1164
$194
One comp claim
$1212
$206
Two Med/PIP claims
$1212
$202
Two comp claims
$1258
$214
Failure to wear a seat belt
$1324
$221
Child safety restraint
$1376
$234
Driving without lights
$1376
$230
Failure to show documents
$1376
$234
Speeding 6 - 10 MPH over limit
$1400
$234
Driving too slowly
$1452
$247
Speeding 11 - 15 MPH over limit
$1452
$243
Speeding in school zone
$1452
$247
Driving with expired registration
$1464
$245
Speeding 16 - 20 MPH over limit
$1464
$248
Cell phone violation
$1470
$246
Failure to stop at a red light
$1470
$250
Failure to yield
$1470
$246
Following too closely
$1470
$250
Illegal turn
$1470
$246
Texting while driving
$1470
$250
Wrong way/wrong lane
$1470
$246
Improper passing
$1494
$254
Speeding 21 - 25 MPH over limit
$1512
$251
In 65 MPH zone
$1535
$261
Passing school bus
$1552
$258
At-fault accident - less than $1000
$1594
$271
Operating a vehicle without permission
$1676
$279
At-fault accident - $1000-$2000
$1723
$293
At-fault accident - greater than $2000
$1746
$291
Open container
$1834
$312
Reckless driving
$2034
$340
Driving with a suspended license
$2100
$357
DUI
$2352
$392
Refusal to submit to a chemical test
$2352
$400
Racing
$2405
$401
Leaving scene of an accident/hit and run
$2417
$411
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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 Gray Mountain 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 Gray Mountain.
The cheapest car insurance premiums in
Gray Mountain are
offered by Mercury at $312 for a six-month policy.
However, it can be as
expensive as $1770 with companies
like Nationwide.
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 Gray Mountain are offered by AutoOwners Insurance Co
at $306. However,
it can be as expensive as $412
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Gray Mountain after Speeding ticket
Car Insurance Price Trends in Gray Mountain,
Arizona
Car insurance rates in Gray Mountain have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Gray Mountain rose by
$120 in December
compared to $117 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 Gray Mountain rose to $53 in December,
compared to $51 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Gray Mountain by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Gray Mountain. At $1847 for a
six-month policy, insuring
your car at 86016 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Gray Mountain?
The car insurance in Gray Mountain is $40 per month, which is lower than the national average.
What is the cheapest car insurance in Gray Mountain?
The cheapest car insurance in Gray Mountain
is $77 per month
for full coverage.
How much is car insurance in Gray Mountain for teenagers?
Car insurance for teenagers costs $282 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
Gray Mountain?
The average cost of car insurance is $933 for a six-month
policy. It will cost around $155 per month to insure your
car in Gray Mountain.
Is car insurance expensive in Gray Mountain?
Car insurance can be expensive in Gray Mountain if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Gray Mountain can be
affordable.
What is the best car insurance in Gray Mountain,
AZ?
The best car insurance company in Gray Mountain
AZ is
Root Insurance Company, offering $464 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Gray Mountain, AZ
Car Insurance Rates by State in the USA (2025 Update)
Gray Mountain Car Insurance
