Cheapest Car Insurance Quotes in Joseph City

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Joseph City Car Insurance

^$ 40

/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 Joseph City

The car insurance rate in Joseph City is $933 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $469, making it a popular choice for budget-conscious drivers. Rates in Joseph City 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 Joseph City

$933

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Joseph City

1st place: Root Insurance Company

At $469 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 $618 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $647 for six months, making it the third cheapest auto insurance company in Joseph City.

Joseph City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Joseph City, AZ is Root Insurance Company, offering policies at just $469 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $618.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1087 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Joseph City drivers find the best deals.

Cheap Car Insurance Companies in Joseph City, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$469	$78
Auto-Owners Insurance Co	$618	$105
Farmers	$647	$108
Mercury	$665	$113
Hartford	$695	$116
Iowa Farm Bureau	$701	$119
Travelers	$743	$125
State Farm	$933	$157
Progressive	$962	$162
USAA	$968	$163
Auto-Owners	$1040	$175
Allstate	$1117	$188
The Hartford	$1331	$222
CSAA	$2020	$343
Nationwide	$1087	$181

Key Takeaways

Way's key takeaways about car insurance in Joseph City

The auto insurance costs in Joseph City fall around $469 for six months.
The cheapest auto insurance company in Joseph City is Mercury.
Teen drivers pay the highest rate in Joseph City at $879 per month.

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Cheapest Minimum Liability Car Insurance in Joseph City

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 Joseph City are given below.

Mercury provides the cheapest minimum car insurance coverage in Joseph City. Their Average 6 Month Premium is $238. Allstate is the most expensive at $416 for the same period.

Cheapest Liability Coverage in Joseph City, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$238	$40
Travelers	$279	$47
Auto-Owners	$303	$51
Auto-Owners Insurance Co	$309	$53
Country Financial	$315	$52
USAA	$315	$53
Root Insurance Company	$321	$53
Farmers	$339	$58
Progressive	$345	$58
Iowa Farm Bureau	$356	$61
State Farm	$362	$61
Allstate	$416	$70

Cheapest Full Coverage Car Insurance in Joseph City

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 Joseph City is Root Insurance Company at $78 per month and $469 for six months.

Cheapest Full Coverage Car Insurance Quotes in Joseph City, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$469	$78
Auto-Owners Insurance Co	$618	$105
Farmers	$647	$108
Mercury	$665	$113
Hartford	$695	$116
Iowa Farm Bureau	$701	$119
Travelers	$743	$125
State Farm	$933	$157
Progressive	$962	$162
USAA	$968	$163
Auto-Owners	$1040	$175
Allstate	$1117	$188
The Hartford	$1331	$222
CSAA	$2020	$343
Nationwide	$1087	$181

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Average Car Insurance in Joseph City 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 Joseph City, AZ increasing?

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

Car Insurance Premiums by Age in Joseph City

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	$539
40s	USAA	$491
50s	USAA	$465
60s	USAA	$478
70s	USAA	$565

Cheapest Car Insurance Rates for Teen Drivers in Joseph City,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Joseph City at $48 per month. At $5275 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$285	$48
Travelers	$285	$48
Root Insurance Company	$327	$56
Progressive	$339	$56
USAA	$345	$59
Country Financial	$368	$61
State Farm	$368	$62
Allstate	$416	$70
Farmers	$416	$71
Auto-Owners Insurance Co	$422	$70
Iowa Farm Bureau	$440	$75
Auto-Owners	$2495	$416
CSAA	$5275	$879

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 Joseph City.

As young drivers face the highest rates in Joseph City, USAA offers the cheapest auto insurance rates at $539 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 Joseph City, Mercury is the cheapest car insurance provider. At $273 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 Joseph City is Hartford, offering rates of around $653 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$273	$46
Travelers	$345	$59
Root Insurance Company	$410	$68
Progressive	$416	$71
Country Financial	$440	$73
Farmers	$493	$84
Nationwide	$505	$84
Allstate	$564	$96
Iowa Farm Bureau	$642	$107
Hartford	$653	$111

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Car Insurance Rates with An Accident in Joseph City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Joseph City

The cheapest car insurance companies after an at-fault accident in Joseph City include Root Insurance Company and Country Financial, offering $404 and $410, respectively. CSAA is an expensive provider with an average six-month premium of $3279.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$404	$67
Country Financial	$410	$70
Auto-Owners Insurance Co	$481	$80
Travelers	$481	$81
State Farm	$642	$108
Noblr	$677	$115
Root	$737	$123
USAA	$778	$131
General Casualty	$921	$153
Progressive	$927	$156
Auto-Owners	$1319	$220
Farmers	$1360	$229
Mercury	$1414	$238
Allstate	$1443	$243
Farm Bureau Mutual (IA Group)	$1461	$244
Metromile	$1663	$283
General Agents Group	$1871	$312
Country	$1978	$336
The Hartford	$2097	$349
Encompass	$2150	$366
Nationwide	$2311	$385
Safeway	$2631	$447
Permanent General	$2845	$474
MetLife	$3243	$551
CSAA	$3279	$546

Joseph City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Joseph City AZ. For example, the car insurance in Joseph City after a DUI increases to $1206 for a six month policy. While the rate increases by $244 for a six-month policy in the case of a speeding ticket.

Joseph City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1170	$195
One Med/PIP claim	$1170	$199
Not-at-fault accident	$1176	$196
One comp claim	$1224	$208
Two Med/PIP claims	$1224	$204
Two comp claims	$1271	$216
Failure to wear a seat belt	$1337	$223
Child safety restraint	$1390	$236
Driving without lights	$1390	$232
Failure to show documents	$1390	$236
Speeding 6 - 10 MPH over limit	$1414	$236
Driving too slowly	$1467	$249
Speeding 11 - 15 MPH over limit	$1467	$245
Speeding in school zone	$1467	$249
Driving with expired registration	$1479	$247
Speeding 16 - 20 MPH over limit	$1479	$251
Cell phone violation	$1485	$248
Failure to stop at a red light	$1485	$253
Failure to yield	$1485	$248
Following too closely	$1485	$253
Illegal turn	$1485	$248
Texting while driving	$1485	$253
Wrong way/wrong lane	$1485	$248
Improper passing	$1509	$257
Speeding 21 - 25 MPH over limit	$1527	$254
In 65 MPH zone	$1550	$264
Passing school bus	$1568	$261
At-fault accident - less than $1000	$1610	$274
Operating a vehicle without permission	$1693	$282
At-fault accident - $1000-$2000	$1740	$296
At-fault accident - greater than $2000	$1764	$294
Open container	$1853	$315
Reckless driving	$2055	$343
Driving with a suspended license	$2121	$361
DUI	$2376	$396
Refusal to submit to a chemical test	$2376	$404
Racing	$2429	$405
Leaving scene of an accident/hit and run	$2441	$415

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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 Joseph City 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 Joseph City.

The cheapest car insurance premiums in Joseph City are offered by Mercury at $315 for a six-month policy. However, it can be as expensive as $1788 with companies like Nationwide.

Joseph City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$315	$54
Root Insurance Company	$356	$59
Country Financial	$446	$76
Travelers	$546	$92
Progressive	$552	$93
Hartford	$558	$93
State Farm	$588	$99
Farmers	$897	$151
USAA	$1194	$201
Allstate	$1770	$295
Nationwide	$1788	$304

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 Joseph City are offered by AutoOwners Insurance Co at $309. However, it can be as expensive as $416 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Joseph City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$309	$53
State Farm	$315	$52
Travelers	$315	$54
Mercury	$339	$56
Progressive	$362	$62
Country Financial	$368	$61
Root Insurance Company	$404	$69
Farmers	$416	$69

Car Insurance Price Trends in Joseph City, Arizona

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

The average cost of full coverage in the Joseph City rose by $121 in December compared to $118 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 Joseph City rose to $54 in December, compared to $52 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 Joseph City?

The car insurance in Joseph City is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Joseph City?

The cheapest car insurance in Joseph City is $78 per month for full coverage.

How much is car insurance in Joseph City for teenagers?

Car insurance for teenagers costs $285 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 Joseph City?

The average cost of car insurance is $933 for a six-month policy. It will cost around $157 per month to insure your car in Joseph City.

Is car insurance expensive in Joseph City?

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

What is the best car insurance in Joseph City, AZ?

The best car insurance company in Joseph City AZ is Root Insurance Company, offering $469 for a six-month policy.