Cheapest Car Insurance Quotes in Guadalupe

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Guadalupe Car Insurance

^$ 42

/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 Guadalupe

The car insurance rate in Guadalupe is $1058 for a six-month policy, which is $41 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $488, making it a popular choice for budget-conscious drivers. Rates in Guadalupe 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 Guadalupe

$1058

Avg. Car Insurance in Arizona

$1017

National Average

$1278

Cheapest Car Insurance Companies in Guadalupe

1st place: Root Insurance Company

At $488 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 $643 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $673 for six months, making it the third cheapest auto insurance company in Guadalupe.

Guadalupe Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Guadalupe, AZ is Root Insurance Company, offering policies at just $488 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $643.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1130 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Guadalupe drivers find the best deals.

Cheap Car Insurance Companies in Guadalupe, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$488	$83
Auto-Owners Insurance Co	$643	$107
Farmers	$673	$114
Mercury	$692	$115
Hartford	$723	$123
Iowa Farm Bureau	$729	$122
Travelers	$859	$145
USAA	$1007	$170
Progressive	$1019	$172
State Farm	$1038	$175
Auto-Owners	$1168	$197
Farm Bureau	$1513	$253
Allstate	$1576	$265
The Hartford	$1576	$265
CSAA	$2101	$357
Nationwide	$1130	$188

Key Takeaways

Way's key takeaways about car insurance in Guadalupe

The auto insurance costs in Guadalupe fall around $488 for six months.
The cheapest auto insurance company in Guadalupe is Mercury.
Teen drivers pay the highest rate in Guadalupe at $914 per month.

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Cheapest Minimum Liability Car Insurance in Guadalupe

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 Guadalupe are given below.

Mercury provides the cheapest minimum car insurance coverage in Guadalupe. Their Average 6 Month Premium is $248. The Hartford is the most expensive at $636 for the same period.

Cheapest Liability Coverage in Guadalupe, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$248	$42
Auto-Owners Insurance Co	$321	$55
Travelers	$321	$54
Country Financial	$328	$56
Root Insurance Company	$334	$55
USAA	$340	$57
Farmers	$353	$58
Auto-Owners	$370	$62
Iowa Farm Bureau	$370	$61
State Farm	$408	$69
Progressive	$420	$71
Allstate	$531	$89
Farm Bureau	$574	$96
The Hartford	$636	$108

Cheapest Full Coverage Car Insurance in Guadalupe

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 Guadalupe is Root Insurance Company at $83 per month and $488 for six months.

Cheapest Full Coverage Car Insurance Quotes in Guadalupe, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$488	$83
Auto-Owners Insurance Co	$643	$107
Farmers	$673	$114
Mercury	$692	$115
Hartford	$723	$123
Iowa Farm Bureau	$729	$122
Travelers	$859	$145
USAA	$1007	$170
Progressive	$1019	$172
State Farm	$1038	$175
Auto-Owners	$1168	$197
Farm Bureau	$1513	$253
Allstate	$1576	$265
The Hartford	$1576	$265
CSAA	$2101	$357
Nationwide	$1130	$188

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Average Car Insurance in Guadalupe 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 Guadalupe, AZ increasing?

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

Car Insurance Premiums by Age in Guadalupe

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 Guadalupe,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Guadalupe at $50 per month. At $5486 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$296	$50
Root Insurance Company	$340	$58
Country Financial	$383	$63
Farmers	$433	$74
Auto-Owners Insurance Co	$439	$73
Iowa Farm Bureau	$458	$78
Travelers	$1254	$211
USAA	$1483	$250
State Farm	$1544	$260
Progressive	$2397	$404
Allstate	$2557	$431
Farm Bureau	$3917	$666
Auto-Owners	$3948	$658
The Hartford	$5003	$851
CSAA	$5486	$914

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 Guadalupe, Mercury is the cheapest car insurance provider. At $284 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 Guadalupe is State Farm, offering rates of around $7129 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$284	$48
Root Insurance Company	$426	$73
Country Financial	$458	$76
Farmers	$513	$87
Nationwide	$525	$87
Iowa Farm Bureau	$668	$113
Hartford	$679	$113
Progressive	$1075	$181
Travelers	$1099	$185
Allstate	$2026	$341
USAA	$2032	$339
Farm Bureau	$2614	$444
The Hartford	$3231	$539
Auto-Owners	$3885	$660
State Farm	$7129	$1188

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Car Insurance Rates with An Accident in Guadalupe

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

Cheapest Car Insurance Companies after an At-Fault Accident in Guadalupe

The cheapest car insurance companies after an at-fault accident in Guadalupe include Root Insurance Company and Country Financial, offering $420 and $426, respectively. CSAA is an expensive provider with an average six-month premium of $3410.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$420	$70
Country Financial	$426	$73
Auto-Owners Insurance Co	$500	$83
Noblr	$704	$120
Travelers	$735	$124
Root	$766	$130
State Farm	$784	$132
General Casualty	$958	$163
USAA	$982	$165
Progressive	$1124	$189
Farmers	$1414	$238
Mercury	$1471	$248
Farm Bureau Mutual (IA Group)	$1519	$254
Auto-Owners	$1637	$276
Metromile	$1730	$288
General Agents Group	$1946	$331
Country	$2057	$343
Encompass	$2236	$381
Allstate	$2261	$381
Nationwide	$2403	$409
The Hartford	$2446	$412
Safeway	$2736	$465
Farm Bureau	$2891	$482
Permanent General	$2959	$503
MetLife	$3373	$563
CSAA	$3410	$580

Guadalupe Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Guadalupe AZ. For example, the car insurance in Guadalupe after a DUI increases to $1254 for a six month policy. While the rate increases by $254 for a six-month policy in the case of a speeding ticket.

Guadalupe auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1217	$203
One Med/PIP claim	$1217	$207
Not-at-fault accident	$1223	$204
One comp claim	$1273	$216
Two Med/PIP claims	$1273	$212
Two comp claims	$1322	$225
Failure to wear a seat belt	$1390	$232
Child safety restraint	$1446	$245
Driving without lights	$1446	$241
Failure to show documents	$1446	$245
Speeding 6 - 10 MPH over limit	$1471	$245
Driving too slowly	$1526	$259
Speeding 11 - 15 MPH over limit	$1526	$255
Speeding in school zone	$1526	$259
Driving with expired registration	$1538	$257
Speeding 16 - 20 MPH over limit	$1538	$261
Cell phone violation	$1544	$258
Failure to stop at a red light	$1544	$263
Failure to yield	$1544	$258
Following too closely	$1544	$263
Illegal turn	$1544	$258
Texting while driving	$1544	$263
Wrong way/wrong lane	$1544	$258
Improper passing	$1569	$267
Speeding 21 - 25 MPH over limit	$1588	$264
In 65 MPH zone	$1612	$275
Passing school bus	$1631	$271
At-fault accident - less than $1000	$1674	$285
Operating a vehicle without permission	$1761	$293
At-fault accident - $1000-$2000	$1810	$308
At-fault accident - greater than $2000	$1835	$306
Open container	$1927	$328
Reckless driving	$2137	$357
Driving with a suspended license	$2206	$375
DUI	$2471	$412
Refusal to submit to a chemical test	$2471	$420
Racing	$2526	$421
Leaving scene of an accident/hit and run	$2539	$432

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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 Guadalupe 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 Guadalupe.

The cheapest car insurance premiums in Guadalupe are offered by Mercury at $328 for a six-month policy. However, it can be as expensive as $3675 with companies like Farm Bureau.

Guadalupe car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$328	$54
Root Insurance Company	$370	$63
Country Financial	$464	$77
Hartford	$580	$99
Progressive	$778	$131
Travelers	$865	$146
Farmers	$933	$157
State Farm	$1063	$179
USAA	$1501	$253
Nationwide	$1860	$316
Auto-Owners	$2446	$408
The Hartford	$2687	$457
Allstate	$2848	$479
Farm Bureau	$3675	$625

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 Guadalupe are offered by AutoOwners Insurance Co at $321. However, it can be as expensive as $3496 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Guadalupe after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$321	$55
Mercury	$353	$58
Country Financial	$383	$66
Root Insurance Company	$420	$70
Farmers	$433	$74
State Farm	$834	$140
Travelers	$927	$156
Progressive	$933	$157
USAA	$1322	$225
Auto-Owners	$1353	$226
Farm Bureau	$2057	$349
The Hartford	$2341	$390
Allstate	$3496	$595

Car Insurance Price Trends in Guadalupe, Arizona

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

The average cost of full coverage in the Guadalupe rose by $218 in January compared to $126 of December. In other words, there has been an increase by $92 when you compare January and December.

The average cost of liability insurance in the Guadalupe rose to $66 in January, compared to $56 in December. This represents an increase of $10 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Guadalupe?

The car insurance in Guadalupe is $42 per month, which is lower than the national average.

What is the cheapest car insurance in Guadalupe?

The cheapest car insurance in Guadalupe is $83 per month for full coverage.

How much is car insurance in Guadalupe for teenagers?

Car insurance for teenagers costs $296 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 Guadalupe?

The average cost of car insurance is $1017 for a six-month policy. It will cost around $178 per month to insure your car in Guadalupe.

Is car insurance expensive in Guadalupe?

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

What is the best car insurance in Guadalupe, AZ?

The best car insurance company in Guadalupe AZ is Root Insurance Company, offering $488 for a six-month policy.