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Finding the cheapest car insurance quotes in Luke AFB 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 Luke AFB
The car insurance rate in Luke AFB is $1129 for a six-month policy, which is $196 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $567, making it a popular choice for budget-conscious drivers. Rates in Luke AFB 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 $567 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 $748 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Farmers
Farmers offers auto insurance
rates at $783
for six months, making it
the third cheapest auto insurance company in Luke AFB.
Luke AFB Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Luke AFB, AZ is Root Insurance Company, offering policies at just $567 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $748.
At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1315 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Luke AFB drivers find the best deals.
Way's key takeaways about car insurance in Luke AFB
The auto insurance costs in Luke AFB fall around $567 for six
months.
The cheapest auto insurance company in Luke AFB is Mercury.
Teen drivers pay the highest rate in Luke AFB at $1064 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 Luke AFB
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 Luke AFB are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Luke AFB. Their Average 6 Month Premium is $288.
Allstate is the most
expensive at $503 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 Luke AFB is Root Insurance Company
at $94 per month and $567
for six months.
Cheapest Full Coverage Car Insurance Quotes in Luke AFB,
AZ
Get Your Car Insurance Quote in Luke AFB
Instantly!
Average Car Insurance in Luke AFB 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 Luke AFB, AZ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Luke AFB, 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, Luke AFB's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Luke AFB
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
$652
40s
USAA
$594
50s
USAA
$563
60s
USAA
$578
70s
USAA
$684
Cheapest Car Insurance Rates for Teen Drivers in
Luke AFB,AZ
If you are planning to get a car insurance policy for your teenage
dependent, Mercury provides the cheapest car
insurance in the Luke AFB at $58
per
month. At $6383 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 Luke AFB.
As young drivers face the highest rates in Luke AFB, USAA
offers the cheapest auto insurance rates at $652 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 Luke AFB,
Mercury is
the cheapest car insurance provider. At $330 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
Luke AFB is Hartford, offering
rates of around $790 for six
months.
Save up to $971/yr on car insurance rates in Luke AFB.
Car Insurance Rates with An Accident in Luke AFB
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 Luke AFB, AZ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Luke AFB
The cheapest car insurance companies after an at-fault accident in
Luke AFB include Root Insurance Company
and Country Financial, offering $489
and $496,
respectively. CSAA is an expensive provider
with an average six-month premium of
$3968.
Here is a list of driving violations that can increase your car
insurance rates in Luke AFB AZ. For example, the car
insurance in Luke AFB
after a DUI increases to $1459 for a six
month policy. While the rate increases by $295 for a six-month policy in the case of
a speeding ticket.
Luke AFB auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1416
$236
One Med/PIP claim
$1416
$241
Not-at-fault accident
$1423
$237
One comp claim
$1481
$252
Two Med/PIP claims
$1481
$247
Two comp claims
$1538
$261
Failure to wear a seat belt
$1618
$270
Child safety restraint
$1682
$286
Driving without lights
$1682
$281
Failure to show documents
$1682
$286
Speeding 6 - 10 MPH over limit
$1711
$286
Driving too slowly
$1775
$301
Speeding 11 - 15 MPH over limit
$1775
$296
Speeding in school zone
$1775
$301
Driving with expired registration
$1790
$299
Speeding 16 - 20 MPH over limit
$1790
$304
Cell phone violation
$1797
$300
Failure to stop at a red light
$1797
$306
Failure to yield
$1797
$300
Following too closely
$1797
$306
Illegal turn
$1797
$300
Texting while driving
$1797
$306
Wrong way/wrong lane
$1797
$300
Improper passing
$1826
$311
Speeding 21 - 25 MPH over limit
$1848
$307
In 65 MPH zone
$1876
$319
Passing school bus
$1897
$316
At-fault accident - less than $1000
$1948
$332
Operating a vehicle without permission
$2049
$341
At-fault accident - $1000-$2000
$2105
$358
At-fault accident - greater than $2000
$2134
$356
Open container
$2242
$381
Reckless driving
$2487
$415
Driving with a suspended license
$2566
$437
DUI
$2875
$479
Refusal to submit to a chemical test
$2875
$489
Racing
$2939
$490
Leaving scene of an accident/hit and run
$2954
$502
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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 Luke AFB 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 Luke AFB.
The cheapest car insurance premiums in
Luke AFB are
offered by Mercury at $381 for a six-month policy.
However, it can be as
expensive as $2163 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 Luke AFB are offered by AutoOwners Insurance Co
at $374. However,
it can be as expensive as $503
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Luke AFB after Speeding ticket
Car insurance rates in Luke AFB have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Luke AFB rose by
$146 in December
compared to $143 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 Luke AFB rose to $65 in December,
compared to $63 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Luke AFB 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
Luke AFB. 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 Luke AFB?
The car insurance in Luke AFB is $48 per month, which is lower than the national average.
What is the cheapest car insurance in Luke AFB?
The cheapest car insurance in Luke AFB
is $94 per month
for full coverage.
How much is car insurance in Luke AFB for teenagers?
Car insurance for teenagers costs $345 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
Luke AFB?
The average cost of car insurance is $933 for a six-month
policy. It will cost around $190 per month to insure your
car in Luke AFB.
Is car insurance expensive in Luke AFB?
Car insurance can be expensive in Luke AFB if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Luke AFB can be
affordable.
What is the best car insurance in Luke AFB,
AZ?
The best car insurance company in Luke AFB
AZ is
Root Insurance Company, offering $567 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Luke AFB, AZ
Car Insurance Rates by State in the USA (2025 Update)
Luke AFB Car Insurance
