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Finding the cheapest car insurance quotes in Lukeville 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 Lukeville
The car insurance rate in Lukeville is $980 for a six-month policy, which is $47 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $492, making it a popular choice for budget-conscious drivers. Rates in Lukeville 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 $492 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 $649 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Farmers
Farmers offers auto insurance
rates at $679
for six months, making it
the third cheapest auto insurance company in Lukeville.
Lukeville Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Lukeville, AZ is Root Insurance Company, offering policies at just $492 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $649.
At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1141 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lukeville drivers find the best deals.
Way's key takeaways about car insurance in Lukeville
The auto insurance costs in Lukeville fall around $492 for six
months.
The cheapest auto insurance company in Lukeville is Mercury.
Teen drivers pay the highest rate in Lukeville at $923 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 Lukeville
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 Lukeville are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Lukeville. Their Average 6 Month Premium is $250.
Allstate is the most
expensive at $437 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 Lukeville is Root Insurance Company
at $82 per month and $492
for six months.
Cheapest Full Coverage Car Insurance Quotes in Lukeville,
AZ
Get Your Car Insurance Quote in Lukeville
Instantly!
Average Car Insurance in Lukeville 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 Lukeville, AZ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Lukeville, 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, Lukeville's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Lukeville
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
$566
40s
USAA
$516
50s
USAA
$488
60s
USAA
$502
70s
USAA
$593
Cheapest Car Insurance Rates for Teen Drivers in
Lukeville,AZ
If you are planning to get a car insurance policy for your teenage
dependent, Mercury provides the cheapest car
insurance in the Lukeville at $50
per
month. At $5539 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 Lukeville.
As young drivers face the highest rates in Lukeville, USAA
offers the cheapest auto insurance rates at $566 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 Lukeville,
Mercury is
the cheapest car insurance provider. At $287 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
Lukeville is Hartford, offering
rates of around $686 for six
months.
Save up to $971/yr on car insurance rates in Lukeville.
Car Insurance Rates with An Accident in Lukeville
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 Lukeville, AZ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Lukeville
The cheapest car insurance companies after an at-fault accident in
Lukeville include Root Insurance Company
and Country Financial, offering $424
and $431,
respectively. CSAA is an expensive provider
with an average six-month premium of
$3443.
Here is a list of driving violations that can increase your car
insurance rates in Lukeville AZ. For example, the car
insurance in Lukeville
after a DUI increases to $1266 for a six
month policy. While the rate increases by $256 for a six-month policy in the case of
a speeding ticket.
Lukeville auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1229
$205
One Med/PIP claim
$1229
$209
Not-at-fault accident
$1235
$206
One comp claim
$1285
$218
Two Med/PIP claims
$1285
$214
Two comp claims
$1335
$227
Failure to wear a seat belt
$1404
$234
Child safety restraint
$1460
$248
Driving without lights
$1460
$244
Failure to show documents
$1460
$248
Speeding 6 - 10 MPH over limit
$1485
$248
Driving too slowly
$1540
$261
Speeding 11 - 15 MPH over limit
$1540
$257
Speeding in school zone
$1540
$261
Driving with expired registration
$1553
$259
Speeding 16 - 20 MPH over limit
$1553
$264
Cell phone violation
$1559
$260
Failure to stop at a red light
$1559
$266
Failure to yield
$1559
$260
Following too closely
$1559
$266
Illegal turn
$1559
$260
Texting while driving
$1559
$266
Wrong way/wrong lane
$1559
$260
Improper passing
$1584
$270
Speeding 21 - 25 MPH over limit
$1603
$267
In 65 MPH zone
$1628
$277
Passing school bus
$1646
$274
At-fault accident - less than $1000
$1691
$288
Operating a vehicle without permission
$1778
$296
At-fault accident - $1000-$2000
$1827
$311
At-fault accident - greater than $2000
$1852
$309
Open container
$1946
$331
Reckless driving
$2158
$360
Driving with a suspended license
$2227
$379
DUI
$2495
$416
Refusal to submit to a chemical test
$2495
$424
Racing
$2550
$425
Leaving scene of an accident/hit and run
$2563
$436
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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 Lukeville 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 Lukeville.
The cheapest car insurance premiums in
Lukeville are
offered by Mercury at $331 for a six-month policy.
However, it can be as
expensive as $1877 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 Lukeville are offered by AutoOwners Insurance Co
at $324. However,
it can be as expensive as $437
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Lukeville after Speeding ticket
Car insurance rates in Lukeville have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Lukeville rose by
$127 in December
compared to $124 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 Lukeville rose to $57 in December,
compared to $55 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Lukeville 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
Lukeville. 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 Lukeville?
The car insurance in Lukeville is $42 per month, which is lower than the national average.
What is the cheapest car insurance in Lukeville?
The cheapest car insurance in Lukeville
is $82 per month
for full coverage.
How much is car insurance in Lukeville for teenagers?
Car insurance for teenagers costs $299 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
Lukeville?
The average cost of car insurance is $933 for a six-month
policy. It will cost around $165 per month to insure your
car in Lukeville.
Is car insurance expensive in Lukeville?
Car insurance can be expensive in Lukeville if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Lukeville can be
affordable.
What is the best car insurance in Lukeville,
AZ?
The best car insurance company in Lukeville
AZ is
Root Insurance Company, offering $492 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Lukeville, AZ
Car Insurance Rates by State in the USA (2025 Update)
Lukeville Car Insurance
