Cheapest Car Insurance Quotes in Mormon Lake

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Mormon Lake Car Insurance

^$ 38

/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 Mormon Lake

The car insurance rate in Mormon Lake is $962 for a six-month policy, which is $51 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $446, making it a popular choice for budget-conscious drivers. Rates in Mormon Lake 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 Mormon Lake

$962

Avg. Car Insurance in Arizona

$1013

National Average

$1278

Cheapest Car Insurance Companies in Mormon Lake

1st place: Root Insurance Company

At $446 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 $587 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $615 for six months, making it the third cheapest auto insurance company in Mormon Lake.

Mormon Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mormon Lake, AZ is Root Insurance Company, offering policies at just $446 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $587.

At the higher end of the spectrum, CSAA is the most expensive, with rates reaching $1919 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mormon Lake drivers find the best deals.

Cheap Car Insurance Companies in Mormon Lake, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$446	$76
Auto-Owners Insurance Co	$587	$98
Farmers	$615	$105
Mercury	$632	$105
Hartford	$660	$112
Iowa Farm Bureau	$666	$111
Travelers	$785	$132
USAA	$920	$155
Progressive	$931	$157
State Farm	$948	$160
Auto-Owners	$1067	$180
Farm Bureau	$1382	$231
Allstate	$1439	$242
The Hartford	$1439	$242
CSAA	$1919	$326

Key Takeaways

Way's key takeaways about car insurance in Mormon Lake

The auto insurance costs in Mormon Lake fall around $446 for six months.
The cheapest auto insurance company in Mormon Lake is Mercury.
Teen drivers pay the highest rate in Mormon Lake at $777 per month.

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Cheapest Minimum Liability Car Insurance in Mormon Lake

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 Mormon Lake are given below.

Mercury provides the cheapest minimum car insurance coverage in Mormon Lake. Their Average 6 Month Premium is $226. The Hartford is the most expensive at $581 for the same period.

Cheapest Liability Coverage in Mormon Lake, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$226	$38
Auto-Owners Insurance Co	$294	$50
Travelers	$294	$49
Country Financial	$299	$51
Root Insurance Company	$305	$50
USAA	$311	$52
Farmers	$322	$53
Auto-Owners	$338	$57
Iowa Farm Bureau	$338	$56
State Farm	$372	$63
Progressive	$384	$65
Allstate	$485	$82
Farm Bureau	$524	$87
The Hartford	$581	$99

Cheapest Full Coverage Car Insurance in Mormon Lake

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 Mormon Lake is Root Insurance Company at $76 per month and $446 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mormon Lake, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$446	$76
Auto-Owners Insurance Co	$587	$98
Farmers	$615	$105
Mercury	$632	$105
Hartford	$660	$112
Iowa Farm Bureau	$666	$111
Travelers	$785	$132
USAA	$920	$155
Progressive	$931	$157
State Farm	$948	$160
Auto-Owners	$1067	$180
Farm Bureau	$1382	$231
Allstate	$1439	$242
The Hartford	$1439	$242
CSAA	$1919	$326

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Average Car Insurance in Mormon Lake 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 Mormon Lake, AZ increasing?

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

Car Insurance Premiums by Age in Mormon Lake

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 Mormon Lake,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Mormon Lake at $46 per month. At $4570 for a six-month premium, The Hartford offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$271	$46
Root Insurance Company	$311	$53
Country Financial	$350	$58
Farmers	$395	$67
Auto-Owners Insurance Co	$401	$67
Iowa Farm Bureau	$418	$71
Travelers	$1146	$193
USAA	$1355	$228
State Farm	$1411	$238
Progressive	$2190	$369
Allstate	$2336	$393
Farm Bureau	$3578	$608
Auto-Owners	$3606	$601
The Hartford	$4570	$777

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 Mormon Lake, Mercury is the cheapest car insurance provider. At $259 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 Mormon Lake is State Farm, offering rates of around $6512 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$259	$44
Root Insurance Company	$390	$67
Country Financial	$418	$69
Farmers	$468	$80
Nationwide	$480	$80
Iowa Farm Bureau	$610	$104
Hartford	$620	$104
Progressive	$982	$165
Travelers	$1004	$169
Allstate	$1851	$312
USAA	$1856	$310
Farm Bureau	$2387	$406
The Hartford	$2952	$492
Auto-Owners	$3549	$603
State Farm	$6512	$1085

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Car Insurance Rates with An Accident in Mormon Lake

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mormon Lake

The cheapest car insurance companies after an at-fault accident in Mormon Lake include Root Insurance Company and Country Financial, offering $384 and $390, respectively. CSAA is an expensive provider with an average six-month premium of $3115.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$384	$64
Country Financial	$390	$67
Auto-Owners Insurance Co	$457	$76
Noblr	$643	$109
Travelers	$672	$113
Root	$700	$119
State Farm	$716	$121
General Casualty	$875	$149
USAA	$897	$151
Progressive	$1027	$173
Farmers	$1292	$218
Mercury	$1343	$226
Farm Bureau Mutual (IA Group)	$1388	$232
Auto-Owners	$1495	$252
Metromile	$1580	$263
General Agents Group	$1777	$302
Country	$1879	$314
Encompass	$2043	$348
Allstate	$2065	$348
Nationwide	$2195	$373
The Hartford	$2234	$376
Safeway	$2499	$425
Farm Bureau	$2641	$440
Permanent General	$2703	$460
MetLife	$3081	$514
CSAA	$3115	$530

Mormon Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mormon Lake AZ. For example, the car insurance in Mormon Lake after a DUI increases to $1145 for a six month policy. While the rate increases by $231 for a six-month policy in the case of a speeding ticket.

Mormon Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1112	$185
One Med/PIP claim	$1112	$189
Not-at-fault accident	$1117	$186
One comp claim	$1163	$198
Two Med/PIP claims	$1163	$194
Two comp claims	$1207	$205
Failure to wear a seat belt	$1270	$212
Child safety restraint	$1321	$224
Driving without lights	$1321	$220
Failure to show documents	$1321	$224
Speeding 6 - 10 MPH over limit	$1343	$224
Driving too slowly	$1394	$237
Speeding 11 - 15 MPH over limit	$1394	$233
Speeding in school zone	$1394	$237
Driving with expired registration	$1405	$235
Speeding 16 - 20 MPH over limit	$1405	$238
Cell phone violation	$1411	$236
Failure to stop at a red light	$1411	$240
Failure to yield	$1411	$236
Following too closely	$1411	$240
Illegal turn	$1411	$236
Texting while driving	$1411	$240
Wrong way/wrong lane	$1411	$236
Improper passing	$1434	$244
Speeding 21 - 25 MPH over limit	$1451	$241
In 65 MPH zone	$1473	$251
Passing school bus	$1490	$248
At-fault accident - less than $1000	$1530	$260
Operating a vehicle without permission	$1608	$268
At-fault accident - $1000-$2000	$1653	$281
At-fault accident - greater than $2000	$1676	$279
Open container	$1760	$299
Reckless driving	$1952	$326
Driving with a suspended license	$2015	$343
DUI	$2257	$376
Refusal to submit to a chemical test	$2257	$384
Racing	$2308	$385
Leaving scene of an accident/hit and run	$2319	$394

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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 Mormon Lake 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 Mormon Lake.

The cheapest car insurance premiums in Mormon Lake are offered by Mercury at $299 for a six-month policy. However, it can be as expensive as $1699 with companies like Nationwide.

Mormon Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$299	$49
Root Insurance Company	$338	$58
Country Financial	$424	$70
Farmers	$457	$78
Hartford	$530	$88
Progressive	$773	$130
Travelers	$796	$134
State Farm	$1050	$177
USAA	$1535	$258
Auto-Owners	$1823	$307
The Hartford	$2455	$409
Allstate	$2850	$480
CSAA	$3211	$535
Farm Bureau	$3357	$571
Nationwide	$1699	$289

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 Mormon Lake are offered by AutoOwners Insurance Co at $294. However, it can be as expensive as $3194 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Mormon Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$294	$50
Mercury	$322	$53
Country Financial	$350	$60
Root Insurance Company	$384	$64
Farmers	$395	$67
State Farm	$762	$128
Travelers	$846	$143
Progressive	$852	$143
USAA	$1207	$205
Auto-Owners	$1236	$206
Farm Bureau	$1879	$319
The Hartford	$2138	$356
Allstate	$3194	$543

Car Insurance Price Trends in Mormon Lake, Arizona

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

The average cost of full coverage in the Mormon Lake remained steady at $200 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Mormon Lake remained steady at $60 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Mormon Lake?

The car insurance in Mormon Lake is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Mormon Lake?

The cheapest car insurance in Mormon Lake is $76 per month for full coverage.

How much is car insurance in Mormon Lake for teenagers?

Car insurance for teenagers costs $271 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 Mormon Lake?

The average cost of car insurance is $1013 for a six-month policy. It will cost around $162 per month to insure your car in Mormon Lake.

Is car insurance expensive in Mormon Lake?

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

What is the best car insurance in Mormon Lake, AZ?

The best car insurance company in Mormon Lake AZ is Root Insurance Company, offering $446 for a six-month policy.