Cheapest Car Insurance Quotes in Munds Park

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Munds Park 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 Munds Park

The car insurance rate in Munds Park is $896 for a six-month policy, which is $37 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $450, making it a popular choice for budget-conscious drivers. Rates in Munds Park 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 Munds Park

$896

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Munds Park

1st place: Root Insurance Company

At $450 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 $593 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $621 for six months, making it the third cheapest auto insurance company in Munds Park.

Munds Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Munds Park, AZ is Root Insurance Company, offering policies at just $450 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $593.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1044 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Munds Park drivers find the best deals.

Cheap Car Insurance Companies in Munds Park, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$450	$75
Auto-Owners Insurance Co	$593	$101
Farmers	$621	$104
Mercury	$638	$108
Hartford	$667	$111
Iowa Farm Bureau	$673	$114
Travelers	$713	$120
State Farm	$896	$151
Progressive	$924	$156
USAA	$929	$156
Auto-Owners	$998	$168
Allstate	$1072	$180
The Hartford	$1278	$213
CSAA	$1939	$329
Nationwide	$1044	$174

Key Takeaways

Way's key takeaways about car insurance in Munds Park

The auto insurance costs in Munds Park fall around $450 for six months.
The cheapest auto insurance company in Munds Park is Mercury.
Teen drivers pay the highest rate in Munds Park at $844 per month.

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Cheapest Minimum Liability Car Insurance in Munds Park

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 Munds Park are given below.

Mercury provides the cheapest minimum car insurance coverage in Munds Park. Their Average 6 Month Premium is $228. Allstate is the most expensive at $399 for the same period.

Cheapest Liability Coverage in Munds Park, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$228	$38
Travelers	$268	$45
Auto-Owners	$291	$49
Auto-Owners Insurance Co	$297	$51
Country Financial	$302	$50
USAA	$302	$51
Root Insurance Company	$308	$51
Farmers	$325	$56
Progressive	$331	$56
Iowa Farm Bureau	$342	$59
State Farm	$348	$59
Allstate	$399	$67

Cheapest Full Coverage Car Insurance in Munds Park

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 Munds Park is Root Insurance Company at $75 per month and $450 for six months.

Cheapest Full Coverage Car Insurance Quotes in Munds Park, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$450	$75
Auto-Owners Insurance Co	$593	$101
Farmers	$621	$104
Mercury	$638	$108
Hartford	$667	$111
Iowa Farm Bureau	$673	$114
Travelers	$713	$120
State Farm	$896	$151
Progressive	$924	$156
USAA	$929	$156
Auto-Owners	$998	$168
Allstate	$1072	$180
The Hartford	$1278	$213
CSAA	$1939	$329
Nationwide	$1044	$174

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Average Car Insurance in Munds Park 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 Munds Park, AZ increasing?

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

Car Insurance Premiums by Age in Munds Park

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	$517
40s	USAA	$471
50s	USAA	$446
60s	USAA	$459
70s	USAA	$542

Cheapest Car Insurance Rates for Teen Drivers in Munds Park,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Munds Park at $46 per month. At $5064 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$274	$46
Travelers	$274	$46
Root Insurance Company	$314	$54
Progressive	$325	$54
USAA	$331	$57
Country Financial	$353	$59
State Farm	$353	$60
Allstate	$399	$67
Farmers	$399	$68
Auto-Owners Insurance Co	$405	$67
Iowa Farm Bureau	$422	$72
Auto-Owners	$2395	$399
CSAA	$5064	$844

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 Munds Park.

As young drivers face the highest rates in Munds Park, USAA offers the cheapest auto insurance rates at $517 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 Munds Park, Mercury is the cheapest car insurance provider. At $262 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 Munds Park is Hartford, offering rates of around $627 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$262	$44
Travelers	$331	$57
Root Insurance Company	$394	$65
Progressive	$399	$68
Country Financial	$422	$70
Farmers	$473	$81
Nationwide	$485	$81
Allstate	$541	$92
Iowa Farm Bureau	$616	$103
Hartford	$627	$107

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Car Insurance Rates with An Accident in Munds Park

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

Cheapest Car Insurance Companies after an At-Fault Accident in Munds Park

The cheapest car insurance companies after an at-fault accident in Munds Park include Root Insurance Company and Country Financial, offering $388 and $394, respectively. CSAA is an expensive provider with an average six-month premium of $3148.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$388	$64
Country Financial	$394	$67
Auto-Owners Insurance Co	$462	$77
Travelers	$462	$78
State Farm	$616	$104
Noblr	$650	$110
Root	$708	$118
USAA	$747	$126
General Casualty	$884	$147
Progressive	$890	$150
Auto-Owners	$1266	$211
Farmers	$1306	$220
Mercury	$1357	$228
Allstate	$1385	$233
Farm Bureau Mutual (IA Group)	$1403	$234
Metromile	$1596	$272
General Agents Group	$1796	$300
Country	$1899	$323
The Hartford	$2013	$335
Encompass	$2064	$351
Nationwide	$2219	$370
Safeway	$2526	$429
Permanent General	$2731	$455
MetLife	$3113	$529
CSAA	$3148	$524

Munds Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Munds Park AZ. For example, the car insurance in Munds Park after a DUI increases to $1158 for a six month policy. While the rate increases by $234 for a six-month policy in the case of a speeding ticket.

Munds Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1123	$187
One Med/PIP claim	$1123	$191
Not-at-fault accident	$1129	$188
One comp claim	$1175	$200
Two Med/PIP claims	$1175	$196
Two comp claims	$1220	$207
Failure to wear a seat belt	$1284	$214
Child safety restraint	$1334	$227
Driving without lights	$1334	$223
Failure to show documents	$1334	$227
Speeding 6 - 10 MPH over limit	$1357	$227
Driving too slowly	$1408	$239
Speeding 11 - 15 MPH over limit	$1408	$235
Speeding in school zone	$1408	$239
Driving with expired registration	$1420	$237
Speeding 16 - 20 MPH over limit	$1420	$241
Cell phone violation	$1426	$238
Failure to stop at a red light	$1426	$243
Failure to yield	$1426	$238
Following too closely	$1426	$243
Illegal turn	$1426	$238
Texting while driving	$1426	$243
Wrong way/wrong lane	$1426	$238
Improper passing	$1449	$247
Speeding 21 - 25 MPH over limit	$1466	$244
In 65 MPH zone	$1488	$253
Passing school bus	$1505	$251
At-fault accident - less than $1000	$1546	$263
Operating a vehicle without permission	$1625	$271
At-fault accident - $1000-$2000	$1670	$284
At-fault accident - greater than $2000	$1693	$282
Open container	$1779	$302
Reckless driving	$1973	$329
Driving with a suspended license	$2036	$347
DUI	$2281	$380
Refusal to submit to a chemical test	$2281	$388
Racing	$2332	$389
Leaving scene of an accident/hit and run	$2343	$398

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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 Munds Park 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 Munds Park.

The cheapest car insurance premiums in Munds Park are offered by Mercury at $302 for a six-month policy. However, it can be as expensive as $1716 with companies like Nationwide.

Munds Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$302	$52
Root Insurance Company	$342	$57
Country Financial	$428	$73
Travelers	$524	$88
Progressive	$530	$89
Hartford	$536	$89
State Farm	$564	$95
Farmers	$861	$145
USAA	$1146	$193
Allstate	$1699	$283
Nationwide	$1716	$292

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 Munds Park are offered by AutoOwners Insurance Co at $297. However, it can be as expensive as $399 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Munds Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$297	$51
State Farm	$302	$50
Travelers	$302	$52
Mercury	$325	$54
Progressive	$348	$60
Country Financial	$353	$59
Root Insurance Company	$388	$66
Farmers	$399	$66

Car Insurance Price Trends in Munds Park, Arizona

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

The average cost of full coverage in the Munds Park rose by $116 in December compared to $113 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 Munds Park rose to $52 in December, compared to $50 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 Munds Park?

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

What is the cheapest car insurance in Munds Park?

The cheapest car insurance in Munds Park is $75 per month for full coverage.

How much is car insurance in Munds Park for teenagers?

Car insurance for teenagers costs $274 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 Munds Park?

The average cost of car insurance is $933 for a six-month policy. It will cost around $151 per month to insure your car in Munds Park.

Is car insurance expensive in Munds Park?

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

What is the best car insurance in Munds Park, AZ?

The best car insurance company in Munds Park AZ is Root Insurance Company, offering $450 for a six-month policy.