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Finding the cheapest car insurance quotes in Higley 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 Higley
The car insurance rate in Higley is $1190 for a six-month policy, which is $173 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $549, making it a popular choice for budget-conscious drivers. Rates in Higley 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 $549 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 $723 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Farmers
Farmers offers auto insurance
rates at $757
for six months, making it
the third cheapest auto insurance company in Higley.
Higley Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Higley, AZ is Root Insurance Company, offering policies at just $549 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $723.
At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1272 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Higley drivers find the best deals.
The auto insurance costs in Higley fall around $549 for six
months.
The cheapest auto insurance company in Higley is Mercury.
Teen drivers pay the highest rate in Higley at $1028 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 Higley
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 Higley are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Higley. Their Average 6 Month Premium is $278.
The Hartford is the most
expensive at $716 for the same
period.
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 Higley is Root Insurance Company
at $94 per month and $549
for six months.
Cheapest Full Coverage Car Insurance Quotes in Higley,
AZ
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 Higley, AZ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Higley, 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, Higley's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Higley
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
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Cheapest Car Insurance Rates for Teen Drivers in
Higley,AZ
If you are planning to get a car insurance policy for your teenage
dependent, Mercury provides the cheapest car
insurance in the Higley at $56
per
month. At $6172 for a six-month premium,
CSAA offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Higley.
As young drivers face the highest rates in Higley, N/A
offers the cheapest auto insurance rates at $N/A 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 Higley,
Mercury is
the cheapest car insurance provider. At $319 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
Higley is State Farm, offering
rates of around $8020 for six
months.
Save up to $971/yr on car insurance rates in Higley.
Car Insurance Rates with An Accident in Higley
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 Higley, AZ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Higley
The cheapest car insurance companies after an at-fault accident in
Higley include Root Insurance Company
and Country Financial, offering $473
and $480,
respectively. CSAA is an expensive provider
with an average six-month premium of
$3836.
Here is a list of driving violations that can increase your car
insurance rates in Higley AZ. For example, the car
insurance in Higley
after a DUI increases to $1411 for a six
month policy. While the rate increases by $285 for a six-month policy in the case of
a speeding ticket.
Higley auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1369
$228
One Med/PIP claim
$1369
$233
Not-at-fault accident
$1376
$229
One comp claim
$1432
$243
Two Med/PIP claims
$1432
$239
Two comp claims
$1487
$253
Failure to wear a seat belt
$1564
$261
Child safety restraint
$1626
$276
Driving without lights
$1626
$271
Failure to show documents
$1626
$276
Speeding 6 - 10 MPH over limit
$1654
$276
Driving too slowly
$1716
$291
Speeding 11 - 15 MPH over limit
$1716
$287
Speeding in school zone
$1716
$291
Driving with expired registration
$1730
$289
Speeding 16 - 20 MPH over limit
$1730
$294
Cell phone violation
$1737
$290
Failure to stop at a red light
$1737
$296
Failure to yield
$1737
$290
Following too closely
$1737
$296
Illegal turn
$1737
$290
Texting while driving
$1737
$296
Wrong way/wrong lane
$1737
$290
Improper passing
$1766
$301
Speeding 21 - 25 MPH over limit
$1787
$297
In 65 MPH zone
$1814
$309
Passing school bus
$1835
$305
At-fault accident - less than $1000
$1884
$321
Operating a vehicle without permission
$1981
$330
At-fault accident - $1000-$2000
$2036
$346
At-fault accident - greater than $2000
$2064
$344
Open container
$2168
$369
Reckless driving
$2404
$401
Driving with a suspended license
$2482
$422
DUI
$2780
$463
Refusal to submit to a chemical test
$2780
$473
Racing
$2842
$474
Leaving scene of an accident/hit and run
$2856
$486
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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 Higley 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 Higley.
The cheapest car insurance premiums in
Higley are
offered by Mercury at $369 for a six-month policy.
However, it can be as
expensive as $4135 with companies
like Farm Bureau.
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 Higley are offered by AutoOwners Insurance Co
at $362. However,
it can be as expensive as $3934
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Higley after Speeding ticket
Car insurance rates in Higley have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Higley rose by
$246 in January
compared to $142 of December. In other words, there has been an increase by $104 when you
compare January and December.
The average cost of liability insurance in the Higley rose to $74 in January,
compared to $63 in December.
This represents an increase of $11
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Higley. At $N/A for a
six-month policy, insuring
your car at N/A 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 Higley?
The car insurance in Higley is $47 per month, which is lower than the national average.
What is the cheapest car insurance in Higley?
The cheapest car insurance in Higley
is $94 per month
for full coverage.
How much is car insurance in Higley for teenagers?
Car insurance for teenagers costs $333 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
Higley?
The average cost of car insurance is $1017 for a six-month
policy. It will cost around $200 per month to insure your
car in Higley.
Is car insurance expensive in Higley?
Car insurance can be expensive in Higley if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Higley can be
affordable.
What is the best car insurance in Higley,
AZ?
The best car insurance company in Higley
AZ is
Root Insurance Company, offering $549 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Higley, AZ
Car Insurance Rates by State in the USA (2025 Update)
Higley Car Insurance
