Cheapest Car Insurance Quotes in Low Mountain

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Low Mountain 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 Low Mountain

The car insurance rate in Low Mountain 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 Low Mountain 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 Low Mountain

$942

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Low Mountain

1st place: Root Insurance Company

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 Low Mountain.

Low Mountain Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Low Mountain, 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 Low Mountain drivers find the best deals.

Cheap Car Insurance Companies in Low Mountain, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$474	$79
Auto-Owners Insurance Co	$624	$106
Farmers	$653	$109
Mercury	$672	$114
Hartford	$702	$117
Iowa Farm Bureau	$708	$120
Travelers	$750	$126
State Farm	$942	$159
Progressive	$972	$164
USAA	$978	$165
Auto-Owners	$1050	$177
Allstate	$1128	$190
The Hartford	$1344	$224
CSAA	$2040	$346
Nationwide	$1098	$183

Key Takeaways

Way's key takeaways about car insurance in Low Mountain

The auto insurance costs in Low Mountain fall around $474 for six months.
The cheapest auto insurance company in Low Mountain is Mercury.
Teen drivers pay the highest rate in Low Mountain at $888 per month.

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Cheapest Minimum Liability Car Insurance in Low Mountain

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 Low Mountain are given below.

Mercury provides the cheapest minimum car insurance coverage in Low Mountain. Their Average 6 Month Premium is $240. Allstate is the most expensive at $420 for the same period.

Cheapest Liability Coverage in Low Mountain, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$240	$40
Travelers	$282	$47
Auto-Owners	$306	$52
Auto-Owners Insurance Co	$312	$54
Country Financial	$318	$53
USAA	$318	$54
Root Insurance Company	$324	$54
Farmers	$342	$59
Progressive	$348	$59
Iowa Farm Bureau	$360	$62
State Farm	$366	$62
Allstate	$420	$71

Cheapest Full Coverage Car Insurance in Low Mountain

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 Low Mountain is Root Insurance Company at $79 per month and $474 for six months.

Cheapest Full Coverage Car Insurance Quotes in Low Mountain, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$474	$79
Auto-Owners Insurance Co	$624	$106
Farmers	$653	$109
Mercury	$672	$114
Hartford	$702	$117
Iowa Farm Bureau	$708	$120
Travelers	$750	$126
State Farm	$942	$159
Progressive	$972	$164
USAA	$978	$165
Auto-Owners	$1050	$177
Allstate	$1128	$190
The Hartford	$1344	$224
CSAA	$2040	$346
Nationwide	$1098	$183

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Average Car Insurance in Low Mountain 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 Low Mountain, AZ increasing?

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

Car Insurance Premiums by Age in Low Mountain

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 Low Mountain,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Low Mountain at $48 per month. At $5328 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$288	$48
Travelers	$288	$48
Root Insurance Company	$330	$57
Progressive	$342	$57
USAA	$348	$60
Country Financial	$372	$62
State Farm	$372	$63
Allstate	$420	$71
Farmers	$420	$72
Auto-Owners Insurance Co	$426	$71
Iowa Farm Bureau	$444	$76
Auto-Owners	$2520	$420
CSAA	$5328	$888

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 Low Mountain.

As young drivers face the highest rates in Low Mountain, 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 Low Mountain, 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 Low Mountain is Hartford, offering rates of around $660 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$276	$46
Travelers	$348	$60
Root Insurance Company	$414	$69
Progressive	$420	$72
Country Financial	$444	$74
Farmers	$498	$85
Nationwide	$510	$85
Allstate	$570	$97
Iowa Farm Bureau	$648	$108
Hartford	$660	$112

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Car Insurance Rates with An Accident in Low Mountain

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

Cheapest Car Insurance Companies after an At-Fault Accident in Low Mountain

The cheapest car insurance companies after an at-fault accident in Low Mountain 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.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$408	$68
Country Financial	$414	$71
Auto-Owners Insurance Co	$486	$81
Travelers	$486	$82
State Farm	$648	$109
Noblr	$684	$116
Root	$744	$124
USAA	$786	$132
General Casualty	$930	$155
Progressive	$936	$158
Auto-Owners	$1332	$222
Farmers	$1374	$231
Mercury	$1428	$240
Allstate	$1457	$245
Farm Bureau Mutual (IA Group)	$1476	$246
Metromile	$1680	$286
General Agents Group	$1890	$315
Country	$1998	$339
The Hartford	$2118	$352
Encompass	$2172	$370
Nationwide	$2334	$389
Safeway	$2657	$451
Permanent General	$2873	$479
MetLife	$3275	$557
CSAA	$3312	$551

Low Mountain Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Low Mountain AZ. For example, the car insurance in Low Mountain 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.

Low Mountain 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 Low Mountain 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 Low Mountain.

The cheapest car insurance premiums in Low Mountain are offered by Mercury at $318 for a six-month policy. However, it can be as expensive as $1806 with companies like Nationwide.

Low Mountain car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$318	$55
Root Insurance Company	$360	$60
Country Financial	$450	$77
Travelers	$551	$93
Progressive	$558	$94
Hartford	$564	$94
State Farm	$594	$100
Farmers	$906	$153
USAA	$1206	$203
Allstate	$1788	$298
Nationwide	$1806	$307

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 Low Mountain 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 Low Mountain after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$312	$54
State Farm	$318	$53
Travelers	$318	$55
Mercury	$342	$57
Progressive	$366	$63
Country Financial	$372	$62
Root Insurance Company	$408	$70
Farmers	$420	$70

Car Insurance Price Trends in Low Mountain, Arizona

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

The average cost of full coverage in the Low Mountain 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 Low Mountain rose to $55 in December, compared to $53 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 Low Mountain?

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

What is the cheapest car insurance in Low Mountain?

The cheapest car insurance in Low Mountain is $79 per month for full coverage.

How much is car insurance in Low Mountain 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 Low Mountain?

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 Low Mountain.

Is car insurance expensive in Low Mountain?

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

What is the best car insurance in Low Mountain, AZ?

The best car insurance company in Low Mountain AZ is Root Insurance Company, offering $474 for a six-month policy.