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Finding the cheapest car insurance quotes in Mount Lemmon 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 Mount Lemmon
The car insurance rate in Mount Lemmon is $998 for a six-month policy, which is $65 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $502, making it a popular choice for budget-conscious drivers. Rates in Mount Lemmon 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 $502 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 $661 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Farmers
Farmers offers auto insurance
rates at $692
for six months, making it
the third cheapest auto insurance company in Mount Lemmon.
Mount Lemmon Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Mount Lemmon, AZ is Root Insurance Company, offering policies at just $502 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $661.
At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1163 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Lemmon drivers find the best deals.
Way's key takeaways about car insurance in Mount Lemmon
The auto insurance costs in Mount Lemmon fall around $502 for six
months.
The cheapest auto insurance company in Mount Lemmon is Mercury.
Teen drivers pay the highest rate in Mount Lemmon at $941 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 Mount Lemmon
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 Mount Lemmon are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Mount Lemmon. Their Average 6 Month Premium is $255.
Allstate is the most
expensive at $445 for the same
period.
Cheapest Full Coverage Car Insurance in Mount Lemmon
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 Mount Lemmon is Root Insurance Company
at $83 per month and $502
for six months.
Cheapest Full Coverage Car Insurance Quotes in Mount Lemmon,
AZ
Get Your Car Insurance Quote in Mount Lemmon
Instantly!
Average Car Insurance in Mount Lemmon 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 Mount Lemmon, AZ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Mount Lemmon, 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, Mount Lemmon's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Mount Lemmon
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
$577
40s
USAA
$525
50s
USAA
$498
60s
USAA
$511
70s
USAA
$605
Cheapest Car Insurance Rates for Teen Drivers in
Mount Lemmon,AZ
If you are planning to get a car insurance policy for your teenage
dependent, Mercury provides the cheapest car
insurance in the Mount Lemmon at $51
per
month. At $5644 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 Mount Lemmon.
As young drivers face the highest rates in Mount Lemmon, USAA
offers the cheapest auto insurance rates at $577 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 Mount Lemmon,
Mercury is
the cheapest car insurance provider. At $292 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
Mount Lemmon is Hartford, offering
rates of around $699 for six
months.
Save up to $971/yr on car insurance rates in Mount Lemmon.
Car Insurance Rates with An Accident in Mount Lemmon
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 Mount Lemmon, AZ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Mount Lemmon
The cheapest car insurance companies after an at-fault accident in
Mount Lemmon include Root Insurance Company
and Country Financial, offering $432
and $439,
respectively. CSAA is an expensive provider
with an average six-month premium of
$3509.
Here is a list of driving violations that can increase your car
insurance rates in Mount Lemmon AZ. For example, the car
insurance in Mount Lemmon
after a DUI increases to $1290 for a six
month policy. While the rate increases by $261 for a six-month policy in the case of
a speeding ticket.
Mount Lemmon auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1252
$209
One Med/PIP claim
$1252
$213
Not-at-fault accident
$1258
$210
One comp claim
$1310
$223
Two Med/PIP claims
$1310
$218
Two comp claims
$1360
$231
Failure to wear a seat belt
$1431
$239
Child safety restraint
$1487
$253
Driving without lights
$1487
$248
Failure to show documents
$1487
$253
Speeding 6 - 10 MPH over limit
$1513
$253
Driving too slowly
$1570
$266
Speeding 11 - 15 MPH over limit
$1570
$262
Speeding in school zone
$1570
$266
Driving with expired registration
$1583
$264
Speeding 16 - 20 MPH over limit
$1583
$269
Cell phone violation
$1589
$265
Failure to stop at a red light
$1589
$271
Failure to yield
$1589
$265
Following too closely
$1589
$271
Illegal turn
$1589
$265
Texting while driving
$1589
$271
Wrong way/wrong lane
$1589
$265
Improper passing
$1615
$275
Speeding 21 - 25 MPH over limit
$1634
$272
In 65 MPH zone
$1659
$282
Passing school bus
$1678
$279
At-fault accident - less than $1000
$1723
$293
Operating a vehicle without permission
$1812
$302
At-fault accident - $1000-$2000
$1862
$317
At-fault accident - greater than $2000
$1887
$315
Open container
$1983
$337
Reckless driving
$2199
$367
Driving with a suspended license
$2269
$386
DUI
$2542
$424
Refusal to submit to a chemical test
$2542
$432
Racing
$2599
$433
Leaving scene of an accident/hit and run
$2612
$444
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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 Mount Lemmon 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 Mount Lemmon.
The cheapest car insurance premiums in
Mount Lemmon are
offered by Mercury at $337 for a six-month policy.
However, it can be as
expensive as $1913 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 Mount Lemmon are offered by AutoOwners Insurance Co
at $331. However,
it can be as expensive as $445
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Mount Lemmon after Speeding ticket
Car Insurance Price Trends in Mount Lemmon,
Arizona
Car insurance rates in Mount Lemmon have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Mount Lemmon rose by
$129 in December
compared to $126 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 Mount Lemmon rose to $58 in December,
compared to $56 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Mount Lemmon 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
Mount Lemmon. At $1996 for a
six-month policy, insuring
your car at 85619 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 Mount Lemmon?
The car insurance in Mount Lemmon is $43 per month, which is lower than the national average.
What is the cheapest car insurance in Mount Lemmon?
The cheapest car insurance in Mount Lemmon
is $83 per month
for full coverage.
How much is car insurance in Mount Lemmon for teenagers?
Car insurance for teenagers costs $305 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
Mount Lemmon?
The average cost of car insurance is $933 for a six-month
policy. It will cost around $168 per month to insure your
car in Mount Lemmon.
Is car insurance expensive in Mount Lemmon?
Car insurance can be expensive in Mount Lemmon if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Mount Lemmon can be
affordable.
What is the best car insurance in Mount Lemmon,
AZ?
The best car insurance company in Mount Lemmon
AZ is
Root Insurance Company, offering $502 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Mount Lemmon, AZ
Car Insurance Rates by State in the USA (2025 Update)
Mount Lemmon Car Insurance
