Cheapest Car Insurance Quotes in Maricopa

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Maricopa Car Insurance

^$ 44

/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 Maricopa

The car insurance rate in Maricopa is $1017 for a six-month policy, which is $84 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $511, making it a popular choice for budget-conscious drivers. Rates in Maricopa 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 Maricopa

$1017

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Maricopa

1st place: Root Insurance Company

At $511 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 $674 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $705 for six months, making it the third cheapest auto insurance company in Maricopa.

Maricopa Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Maricopa, AZ is Root Insurance Company, offering policies at just $511 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $674.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1185 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Maricopa drivers find the best deals.

Cheap Car Insurance Companies in Maricopa, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$511	$85
Auto-Owners Insurance Co	$674	$114
Farmers	$705	$118
Mercury	$725	$123
Hartford	$758	$126
Iowa Farm Bureau	$764	$130
Travelers	$810	$136
State Farm	$1017	$171
Progressive	$1049	$177
USAA	$1055	$178
Auto-Owners	$1134	$191
Allstate	$1218	$205
The Hartford	$1451	$242
CSAA	$2202	$374
Nationwide	$1185	$197

Key Takeaways

Way's key takeaways about car insurance in Maricopa

The auto insurance costs in Maricopa fall around $511 for six months.
The cheapest auto insurance company in Maricopa is Mercury.
Teen drivers pay the highest rate in Maricopa at $958 per month.

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Cheapest Minimum Liability Car Insurance in Maricopa

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 Maricopa are given below.

Mercury provides the cheapest minimum car insurance coverage in Maricopa. Their Average 6 Month Premium is $259. Allstate is the most expensive at $453 for the same period.

Cheapest Liability Coverage in Maricopa, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$259	$44
Travelers	$304	$51
Auto-Owners	$330	$56
Auto-Owners Insurance Co	$337	$58
Country Financial	$343	$57
USAA	$343	$58
Root Insurance Company	$350	$58
Farmers	$370	$63
Progressive	$376	$63
Iowa Farm Bureau	$388	$66
State Farm	$395	$66
Allstate	$453	$76

Cheapest Full Coverage Car Insurance in Maricopa

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 Maricopa is Root Insurance Company at $85 per month and $511 for six months.

Cheapest Full Coverage Car Insurance Quotes in Maricopa, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$511	$85
Auto-Owners Insurance Co	$674	$114
Farmers	$705	$118
Mercury	$725	$123
Hartford	$758	$126
Iowa Farm Bureau	$764	$130
Travelers	$810	$136
State Farm	$1017	$171
Progressive	$1049	$177
USAA	$1055	$178
Auto-Owners	$1134	$191
Allstate	$1218	$205
The Hartford	$1451	$242
CSAA	$2202	$374
Nationwide	$1185	$197

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Average Car Insurance in Maricopa 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 Maricopa, AZ increasing?

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

Car Insurance Premiums by Age in Maricopa

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	$588
40s	USAA	$535
50s	USAA	$507
60s	USAA	$521
70s	USAA	$616

Cheapest Car Insurance Rates for Teen Drivers in Maricopa,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Maricopa at $52 per month. At $5750 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$311	$52
Travelers	$311	$52
Root Insurance Company	$356	$61
Progressive	$370	$61
USAA	$376	$64
Country Financial	$401	$66
State Farm	$401	$68
Allstate	$453	$76
Farmers	$453	$77
Auto-Owners Insurance Co	$460	$76
Iowa Farm Bureau	$480	$82
Auto-Owners	$2720	$453
CSAA	$5750	$958

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 Maricopa.

As young drivers face the highest rates in Maricopa, USAA offers the cheapest auto insurance rates at $588 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 Maricopa, Mercury is the cheapest car insurance provider. At $298 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 Maricopa is Hartford, offering rates of around $712 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$298	$50
Travelers	$376	$64
Root Insurance Company	$447	$74
Progressive	$453	$77
Country Financial	$480	$80
Farmers	$537	$92
Nationwide	$550	$92
Allstate	$615	$105
Iowa Farm Bureau	$700	$117
Hartford	$712	$121

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Car Insurance Rates with An Accident in Maricopa

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

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

The cheapest car insurance companies after an at-fault accident in Maricopa include Root Insurance Company and Country Financial, offering $440 and $447, respectively. CSAA is an expensive provider with an average six-month premium of $3574.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$440	$73
Country Financial	$447	$76
Auto-Owners Insurance Co	$524	$87
Travelers	$524	$88
State Farm	$700	$118
Noblr	$738	$125
Root	$803	$134
USAA	$848	$143
General Casualty	$1004	$167
Progressive	$1010	$170
Auto-Owners	$1438	$240
Farmers	$1482	$250
Mercury	$1541	$259
Allstate	$1573	$265
Farm Bureau Mutual (IA Group)	$1592	$266
Metromile	$1813	$308
General Agents Group	$2039	$340
Country	$2156	$366
The Hartford	$2286	$380
Encompass	$2344	$399
Nationwide	$2519	$420
Safeway	$2868	$487
Permanent General	$3101	$517
MetLife	$3535	$601
CSAA	$3574	$595

Maricopa Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Maricopa AZ. For example, the car insurance in Maricopa after a DUI increases to $1315 for a six month policy. While the rate increases by $266 for a six-month policy in the case of a speeding ticket.

Maricopa auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1275	$213
One Med/PIP claim	$1275	$217
Not-at-fault accident	$1282	$214
One comp claim	$1334	$227
Two Med/PIP claims	$1334	$222
Two comp claims	$1385	$235
Failure to wear a seat belt	$1457	$243
Child safety restraint	$1515	$257
Driving without lights	$1515	$253
Failure to show documents	$1515	$257
Speeding 6 - 10 MPH over limit	$1541	$257
Driving too slowly	$1599	$271
Speeding 11 - 15 MPH over limit	$1599	$267
Speeding in school zone	$1599	$271
Driving with expired registration	$1612	$269
Speeding 16 - 20 MPH over limit	$1612	$274
Cell phone violation	$1619	$270
Failure to stop at a red light	$1619	$276
Failure to yield	$1619	$270
Following too closely	$1619	$276
Illegal turn	$1619	$270
Texting while driving	$1619	$276
Wrong way/wrong lane	$1619	$270
Improper passing	$1645	$280
Speeding 21 - 25 MPH over limit	$1664	$277
In 65 MPH zone	$1690	$288
Passing school bus	$1709	$284
At-fault accident - less than $1000	$1755	$299
Operating a vehicle without permission	$1845	$307
At-fault accident - $1000-$2000	$1897	$323
At-fault accident - greater than $2000	$1923	$320
Open container	$2020	$343
Reckless driving	$2240	$374
Driving with a suspended license	$2312	$393
DUI	$2590	$432
Refusal to submit to a chemical test	$2590	$440
Racing	$2648	$441
Leaving scene of an accident/hit and run	$2661	$452

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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 Maricopa 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 Maricopa.

The cheapest car insurance premiums in Maricopa are offered by Mercury at $343 for a six-month policy. However, it can be as expensive as $1949 with companies like Nationwide.

Maricopa car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$343	$59
Root Insurance Company	$388	$64
Country Financial	$486	$83
Travelers	$595	$100
Progressive	$602	$101
Hartford	$608	$101
State Farm	$641	$108
Farmers	$978	$165
USAA	$1301	$219
Allstate	$1929	$322
Nationwide	$1949	$331

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 Maricopa are offered by AutoOwners Insurance Co at $337. However, it can be as expensive as $453 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Maricopa after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$337	$58
State Farm	$343	$57
Travelers	$343	$59
Mercury	$370	$61
Progressive	$395	$68
Country Financial	$401	$66
Root Insurance Company	$440	$75
Farmers	$453	$75

Car Insurance Price Trends in Maricopa, Arizona

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

The average cost of full coverage in the Maricopa rose by $132 in December compared to $129 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 Maricopa rose to $59 in December, compared to $57 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 Maricopa?

The car insurance in Maricopa is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Maricopa?

The cheapest car insurance in Maricopa is $85 per month for full coverage.

How much is car insurance in Maricopa for teenagers?

Car insurance for teenagers costs $311 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 Maricopa?

The average cost of car insurance is $933 for a six-month policy. It will cost around $171 per month to insure your car in Maricopa.

Is car insurance expensive in Maricopa?

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

What is the best car insurance in Maricopa, AZ?

The best car insurance company in Maricopa AZ is Root Insurance Company, offering $511 for a six-month policy.