Cheapest Car Insurance Quotes in Kingman

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Kingman Car Insurance

^$ 31

/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 Kingman

The car insurance rate in Kingman is $783 for a six-month policy, which is $234 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $361, making it a popular choice for budget-conscious drivers. Rates in Kingman 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 Kingman

$783

Avg. Car Insurance in Arizona

$1017

National Average

$1278

Cheapest Car Insurance Companies in Kingman

1st place: Root Insurance Company

At $361 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 $476 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $498 for six months, making it the third cheapest auto insurance company in Kingman.

Kingman Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kingman, AZ is Root Insurance Company, offering policies at just $361 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $476.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $837 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kingman drivers find the best deals.

Cheap Car Insurance Companies in Kingman, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$361	$62
Auto-Owners Insurance Co	$476	$79
Farmers	$498	$85
Mercury	$512	$85
Hartford	$535	$91
Iowa Farm Bureau	$540	$90
Travelers	$636	$107
USAA	$745	$126
Progressive	$755	$127
State Farm	$768	$129
Auto-Owners	$865	$146
Farm Bureau	$1120	$187
Allstate	$1167	$196
The Hartford	$1167	$196
CSAA	$1555	$264
Nationwide	$837	$139

Key Takeaways

Way's key takeaways about car insurance in Kingman

The auto insurance costs in Kingman fall around $361 for six months.
The cheapest auto insurance company in Kingman is Mercury.
Teen drivers pay the highest rate in Kingman at $677 per month.

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Cheapest Minimum Liability Car Insurance in Kingman

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 Kingman are given below.

Mercury provides the cheapest minimum car insurance coverage in Kingman. Their Average 6 Month Premium is $183. The Hartford is the most expensive at $471 for the same period.

Cheapest Liability Coverage in Kingman, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$183	$31
Auto-Owners Insurance Co	$238	$41
Travelers	$238	$40
Country Financial	$243	$42
Root Insurance Company	$247	$41
USAA	$252	$42
Farmers	$261	$43
Auto-Owners	$274	$46
Iowa Farm Bureau	$274	$45
State Farm	$302	$51
Progressive	$311	$52
Allstate	$393	$66
Farm Bureau	$425	$71
The Hartford	$471	$80

Cheapest Full Coverage Car Insurance in Kingman

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 Kingman is Root Insurance Company at $62 per month and $361 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kingman, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$361	$62
Auto-Owners Insurance Co	$476	$79
Farmers	$498	$85
Mercury	$512	$85
Hartford	$535	$91
Iowa Farm Bureau	$540	$90
Travelers	$636	$107
USAA	$745	$126
Progressive	$755	$127
State Farm	$768	$129
Auto-Owners	$865	$146
Farm Bureau	$1120	$187
Allstate	$1167	$196
The Hartford	$1167	$196
CSAA	$1555	$264
Nationwide	$837	$139

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Average Car Insurance in Kingman 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 Kingman, AZ increasing?

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

Car Insurance Premiums by Age in Kingman

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 Kingman,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Kingman at $37 per month. At $4062 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$219	$37
Root Insurance Company	$252	$43
Country Financial	$283	$47
Farmers	$320	$55
Auto-Owners Insurance Co	$325	$54
Iowa Farm Bureau	$339	$58
Travelers	$929	$156
USAA	$1098	$185
State Farm	$1143	$193
Progressive	$1775	$299
Allstate	$1893	$319
Farm Bureau	$2900	$493
Auto-Owners	$2923	$487
The Hartford	$3704	$630
CSAA	$4062	$677

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 Kingman, Mercury is the cheapest car insurance provider. At $210 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 Kingman is State Farm, offering rates of around $5278 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$210	$35
Root Insurance Company	$316	$54
Country Financial	$339	$56
Farmers	$380	$65
Nationwide	$389	$65
Iowa Farm Bureau	$494	$84
Hartford	$503	$84
Progressive	$796	$134
Travelers	$814	$137
Allstate	$1500	$253
USAA	$1505	$251
Farm Bureau	$1935	$329
The Hartford	$2392	$399
Auto-Owners	$2877	$489
State Farm	$5278	$879

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Car Insurance Rates with An Accident in Kingman

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

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

The cheapest car insurance companies after an at-fault accident in Kingman include Root Insurance Company and Country Financial, offering $311 and $316, respectively. CSAA is an expensive provider with an average six-month premium of $2525.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$311	$52
Country Financial	$316	$54
Auto-Owners Insurance Co	$370	$62
Noblr	$521	$89
Travelers	$544	$92
Root	$567	$96
State Farm	$581	$98
General Casualty	$709	$121
USAA	$727	$122
Progressive	$832	$140
Farmers	$1047	$176
Mercury	$1089	$183
Farm Bureau Mutual (IA Group)	$1125	$188
Auto-Owners	$1212	$204
Metromile	$1281	$213
General Agents Group	$1441	$245
Country	$1523	$254
Encompass	$1656	$282
Allstate	$1674	$282
Nationwide	$1779	$303
The Hartford	$1811	$305
Safeway	$2026	$344
Farm Bureau	$2141	$357
Permanent General	$2191	$373
MetLife	$2497	$417
CSAA	$2525	$430

Kingman Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kingman AZ. For example, the car insurance in Kingman after a DUI increases to $929 for a six month policy. While the rate increases by $188 for a six-month policy in the case of a speeding ticket.

Kingman auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$901	$150
One Med/PIP claim	$901	$153
Not-at-fault accident	$906	$151
One comp claim	$942	$160
Two Med/PIP claims	$942	$157
Two comp claims	$979	$166
Failure to wear a seat belt	$1029	$172
Child safety restraint	$1070	$182
Driving without lights	$1070	$179
Failure to show documents	$1070	$182
Speeding 6 - 10 MPH over limit	$1089	$182
Driving too slowly	$1130	$192
Speeding 11 - 15 MPH over limit	$1130	$189
Speeding in school zone	$1130	$192
Driving with expired registration	$1139	$190
Speeding 16 - 20 MPH over limit	$1139	$193
Cell phone violation	$1143	$191
Failure to stop at a red light	$1143	$195
Failure to yield	$1143	$191
Following too closely	$1143	$195
Illegal turn	$1143	$191
Texting while driving	$1143	$195
Wrong way/wrong lane	$1143	$191
Improper passing	$1162	$198
Speeding 21 - 25 MPH over limit	$1176	$196
In 65 MPH zone	$1194	$203
Passing school bus	$1207	$201
At-fault accident - less than $1000	$1240	$211
Operating a vehicle without permission	$1304	$217
At-fault accident - $1000-$2000	$1340	$228
At-fault accident - greater than $2000	$1358	$226
Open container	$1427	$243
Reckless driving	$1582	$264
Driving with a suspended license	$1633	$278
DUI	$1830	$305
Refusal to submit to a chemical test	$1830	$311
Racing	$1870	$312
Leaving scene of an accident/hit and run	$1880	$320

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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 Kingman 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 Kingman.

The cheapest car insurance premiums in Kingman are offered by Mercury at $243 for a six-month policy. However, it can be as expensive as $2721 with companies like Farm Bureau.

Kingman car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$243	$40
Root Insurance Company	$274	$47
Country Financial	$343	$57
Hartford	$430	$73
Progressive	$576	$97
Travelers	$641	$108
Farmers	$691	$116
State Farm	$787	$132
USAA	$1111	$187
Nationwide	$1377	$234
Auto-Owners	$1811	$302
The Hartford	$1990	$338
Allstate	$2108	$355
Farm Bureau	$2721	$463

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 Kingman are offered by AutoOwners Insurance Co at $238. However, it can be as expensive as $2589 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Kingman after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$238	$41
Mercury	$261	$43
Country Financial	$283	$49
Root Insurance Company	$311	$52
Farmers	$320	$55
State Farm	$618	$104
Travelers	$686	$116
Progressive	$691	$116
USAA	$979	$166
Auto-Owners	$1002	$167
Farm Bureau	$1523	$259
The Hartford	$1733	$289
Allstate	$2589	$440

Car Insurance Price Trends in Kingman, Arizona

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

The average cost of full coverage in the Kingman rose by $162 in January compared to $93 of December. In other words, there has been an increase by $69 when you compare January and December.

The average cost of liability insurance in the Kingman rose to $49 in January, compared to $42 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Kingman?

The car insurance in Kingman is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Kingman?

The cheapest car insurance in Kingman is $62 per month for full coverage.

How much is car insurance in Kingman for teenagers?

Car insurance for teenagers costs $219 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 Kingman?

The average cost of car insurance is $1017 for a six-month policy. It will cost around $132 per month to insure your car in Kingman.

Is car insurance expensive in Kingman?

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

What is the best car insurance in Kingman, AZ?

The best car insurance company in Kingman AZ is Root Insurance Company, offering $361 for a six-month policy.