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Finding the cheapest car insurance quotes in Hotevilla 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 Hotevilla
The car insurance rate in Hotevilla is $942 for a six-month policy, which is $9 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $474, making it a popular choice for budget-conscious drivers. Rates in Hotevilla 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 $474 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 $624 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Farmers
Farmers offers auto insurance
rates at $653
for six months, making it
the third cheapest auto insurance company in Hotevilla.
Hotevilla Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Hotevilla, AZ is Root Insurance Company, offering policies at just $474 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $624.
At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1098 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hotevilla drivers find the best deals.
Way's key takeaways about car insurance in Hotevilla
The auto insurance costs in Hotevilla fall around $474 for six
months.
The cheapest auto insurance company in Hotevilla is Mercury.
Teen drivers pay the highest rate in Hotevilla at $888 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 Hotevilla
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 Hotevilla are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Hotevilla. Their Average 6 Month Premium is $240.
Allstate is the most
expensive at $420 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 Hotevilla is Root Insurance Company
at $79 per month and $474
for six months.
Cheapest Full Coverage Car Insurance Quotes in Hotevilla,
AZ
Get Your Car Insurance Quote in Hotevilla
Instantly!
Average Car Insurance in Hotevilla 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 Hotevilla, AZ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Hotevilla, 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, Hotevilla's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Hotevilla
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
$544
40s
USAA
$496
50s
USAA
$470
60s
USAA
$483
70s
USAA
$571
Cheapest Car Insurance Rates for Teen Drivers in
Hotevilla,AZ
If you are planning to get a car insurance policy for your teenage
dependent, Mercury provides the cheapest car
insurance in the Hotevilla at $48
per
month. At $5328 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 Hotevilla.
As young drivers face the highest rates in Hotevilla, USAA
offers the cheapest auto insurance rates at $544 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 Hotevilla,
Mercury is
the cheapest car insurance provider. At $276 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
Hotevilla is Hartford, offering
rates of around $660 for six
months.
Save up to $971/yr on car insurance rates in Hotevilla.
Car Insurance Rates with An Accident in Hotevilla
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 Hotevilla, AZ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Hotevilla
The cheapest car insurance companies after an at-fault accident in
Hotevilla include Root Insurance Company
and Country Financial, offering $408
and $414,
respectively. CSAA is an expensive provider
with an average six-month premium of
$3312.
Here is a list of driving violations that can increase your car
insurance rates in Hotevilla AZ. For example, the car
insurance in Hotevilla
after a DUI increases to $1218 for a six
month policy. While the rate increases by $246 for a six-month policy in the case of
a speeding ticket.
Hotevilla auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1182
$197
One Med/PIP claim
$1182
$201
Not-at-fault accident
$1188
$198
One comp claim
$1236
$210
Two Med/PIP claims
$1236
$206
Two comp claims
$1284
$218
Failure to wear a seat belt
$1350
$225
Child safety restraint
$1404
$238
Driving without lights
$1404
$234
Failure to show documents
$1404
$238
Speeding 6 - 10 MPH over limit
$1428
$238
Driving too slowly
$1482
$251
Speeding 11 - 15 MPH over limit
$1482
$247
Speeding in school zone
$1482
$251
Driving with expired registration
$1494
$249
Speeding 16 - 20 MPH over limit
$1494
$254
Cell phone violation
$1500
$250
Failure to stop at a red light
$1500
$256
Failure to yield
$1500
$250
Following too closely
$1500
$256
Illegal turn
$1500
$250
Texting while driving
$1500
$256
Wrong way/wrong lane
$1500
$250
Improper passing
$1524
$260
Speeding 21 - 25 MPH over limit
$1542
$257
In 65 MPH zone
$1566
$267
Passing school bus
$1584
$264
At-fault accident - less than $1000
$1626
$277
Operating a vehicle without permission
$1710
$285
At-fault accident - $1000-$2000
$1757
$299
At-fault accident - greater than $2000
$1782
$297
Open container
$1872
$318
Reckless driving
$2076
$346
Driving with a suspended license
$2142
$365
DUI
$2400
$400
Refusal to submit to a chemical test
$2400
$408
Racing
$2453
$409
Leaving scene of an accident/hit and run
$2465
$419
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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 Hotevilla 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 Hotevilla.
The cheapest car insurance premiums in
Hotevilla are
offered by Mercury at $318 for a six-month policy.
However, it can be as
expensive as $1806 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 Hotevilla are offered by AutoOwners Insurance Co
at $312. However,
it can be as expensive as $420
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Hotevilla after Speeding ticket
Car insurance rates in Hotevilla have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Hotevilla rose by
$122 in December
compared to $119 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 Hotevilla rose to $55 in December,
compared to $53 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Hotevilla 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
Hotevilla. At $1884 for a
six-month policy, insuring
your car at 86030 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 Hotevilla?
The car insurance in Hotevilla is $40 per month, which is lower than the national average.
What is the cheapest car insurance in Hotevilla?
The cheapest car insurance in Hotevilla
is $79 per month
for full coverage.
How much is car insurance in Hotevilla for teenagers?
Car insurance for teenagers costs $288 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
Hotevilla?
The average cost of car insurance is $933 for a six-month
policy. It will cost around $159 per month to insure your
car in Hotevilla.
Is car insurance expensive in Hotevilla?
Car insurance can be expensive in Hotevilla if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Hotevilla can be
affordable.
What is the best car insurance in Hotevilla,
AZ?
The best car insurance company in Hotevilla
AZ is
Root Insurance Company, offering $474 for a
six-month policy.
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Hotevilla Car Insurance
