Cheapest Car Insurance Quotes in New River

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New River Car Insurance

^$ 47

/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 New River

The car insurance rate in New River is $1200 for a six-month policy, which is $183 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $553, making it a popular choice for budget-conscious drivers. Rates in New River 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 New River

$1200

Avg. Car Insurance in Arizona

$1017

National Average

$1278

Cheapest Car Insurance Companies in New River

1st place: Root Insurance Company

At $553 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 $729 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $763 for six months, making it the third cheapest auto insurance company in New River.

New River Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New River, AZ is Root Insurance Company, offering policies at just $553 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $729.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1283 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New River drivers find the best deals.

Cheap Car Insurance Companies in New River, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$553	$94
Auto-Owners Insurance Co	$729	$122
Farmers	$763	$130
Mercury	$785	$131
Hartford	$820	$139
Iowa Farm Bureau	$827	$138
Travelers	$975	$164
USAA	$1142	$192
Progressive	$1156	$195
State Farm	$1178	$198
Auto-Owners	$1325	$223
Farm Bureau	$1717	$287
Allstate	$1788	$301
The Hartford	$1788	$301
CSAA	$2384	$405
Nationwide	$1283	$214

Key Takeaways

Way's key takeaways about car insurance in New River

The auto insurance costs in New River fall around $553 for six months.
The cheapest auto insurance company in New River is Mercury.
Teen drivers pay the highest rate in New River at $1037 per month.

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Cheapest Minimum Liability Car Insurance in New River

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 New River are given below.

Mercury provides the cheapest minimum car insurance coverage in New River. Their Average 6 Month Premium is $281. The Hartford is the most expensive at $722 for the same period.

Cheapest Liability Coverage in New River, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$281	$47
Auto-Owners Insurance Co	$365	$63
Travelers	$365	$61
Country Financial	$372	$64
Root Insurance Company	$379	$63
USAA	$386	$65
Farmers	$400	$66
Auto-Owners	$420	$71
Iowa Farm Bureau	$420	$70
State Farm	$463	$78
Progressive	$477	$80
Allstate	$603	$101
Farm Bureau	$651	$109
The Hartford	$722	$123

Cheapest Full Coverage Car Insurance in New River

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 New River is Root Insurance Company at $94 per month and $553 for six months.

Cheapest Full Coverage Car Insurance Quotes in New River, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$553	$94
Auto-Owners Insurance Co	$729	$122
Farmers	$763	$130
Mercury	$785	$131
Hartford	$820	$139
Iowa Farm Bureau	$827	$138
Travelers	$975	$164
USAA	$1142	$192
Progressive	$1156	$195
State Farm	$1178	$198
Auto-Owners	$1325	$223
Farm Bureau	$1717	$287
Allstate	$1788	$301
The Hartford	$1788	$301
CSAA	$2384	$405
Nationwide	$1283	$214

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Average Car Insurance in New River 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 New River, AZ increasing?

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

Car Insurance Premiums by Age in New River

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 New River,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the New River at $57 per month. At $6225 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$336	$57
Root Insurance Company	$386	$66
Country Financial	$434	$72
Farmers	$491	$84
Auto-Owners Insurance Co	$498	$83
Iowa Farm Bureau	$519	$89
Travelers	$1423	$240
USAA	$1683	$283
State Farm	$1752	$295
Progressive	$2720	$458
Allstate	$2902	$489
Farm Bureau	$4444	$755
Auto-Owners	$4479	$747
The Hartford	$5677	$965
CSAA	$6225	$1037

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 New River, Mercury is the cheapest car insurance provider. At $322 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 New River is State Farm, offering rates of around $8089 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$322	$54
Root Insurance Company	$484	$83
Country Financial	$519	$86
Farmers	$582	$99
Nationwide	$596	$99
Iowa Farm Bureau	$758	$129
Hartford	$771	$129
Progressive	$1220	$205
Travelers	$1247	$210
Allstate	$2299	$387
USAA	$2306	$385
Farm Bureau	$2965	$504
The Hartford	$3666	$611
Auto-Owners	$4408	$749
State Farm	$8089	$1348

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Car Insurance Rates with An Accident in New River

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

Cheapest Car Insurance Companies after an At-Fault Accident in New River

The cheapest car insurance companies after an at-fault accident in New River include Root Insurance Company and Country Financial, offering $477 and $484, respectively. CSAA is an expensive provider with an average six-month premium of $3869.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$477	$79
Country Financial	$484	$83
Auto-Owners Insurance Co	$568	$94
Noblr	$799	$136
Travelers	$834	$140
Root	$870	$148
State Farm	$890	$150
General Casualty	$1087	$185
USAA	$1114	$188
Progressive	$1276	$215
Farmers	$1605	$270
Mercury	$1669	$281
Farm Bureau Mutual (IA Group)	$1724	$288
Auto-Owners	$1857	$313
Metromile	$1962	$327
General Agents Group	$2208	$375
Country	$2334	$389
Encompass	$2537	$432
Allstate	$2565	$432
Nationwide	$2727	$464
The Hartford	$2775	$467
Safeway	$3105	$527
Farm Bureau	$3280	$546
Permanent General	$3357	$571
MetLife	$3827	$638
CSAA	$3869	$658

New River Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New River AZ. For example, the car insurance in New River after a DUI increases to $1423 for a six month policy. While the rate increases by $288 for a six-month policy in the case of a speeding ticket.

New River auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1381	$230
One Med/PIP claim	$1381	$235
Not-at-fault accident	$1388	$231
One comp claim	$1444	$245
Two Med/PIP claims	$1444	$241
Two comp claims	$1500	$255
Failure to wear a seat belt	$1578	$263
Child safety restraint	$1640	$278
Driving without lights	$1640	$274
Failure to show documents	$1640	$278
Speeding 6 - 10 MPH over limit	$1669	$278
Driving too slowly	$1731	$294
Speeding 11 - 15 MPH over limit	$1731	$289
Speeding in school zone	$1731	$294
Driving with expired registration	$1745	$291
Speeding 16 - 20 MPH over limit	$1745	$296
Cell phone violation	$1752	$293
Failure to stop at a red light	$1752	$299
Failure to yield	$1752	$293
Following too closely	$1752	$299
Illegal turn	$1752	$293
Texting while driving	$1752	$299
Wrong way/wrong lane	$1752	$293
Improper passing	$1781	$303
Speeding 21 - 25 MPH over limit	$1802	$300
In 65 MPH zone	$1829	$312
Passing school bus	$1850	$308
At-fault accident - less than $1000	$1900	$323
Operating a vehicle without permission	$1998	$333
At-fault accident - $1000-$2000	$2053	$349
At-fault accident - greater than $2000	$2082	$347
Open container	$2187	$372
Reckless driving	$2425	$405
Driving with a suspended license	$2503	$426
DUI	$2804	$467
Refusal to submit to a chemical test	$2804	$477
Racing	$2866	$478
Leaving scene of an accident/hit and run	$2880	$490

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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 New River 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 New River.

The cheapest car insurance premiums in New River are offered by Mercury at $372 for a six-month policy. However, it can be as expensive as $4170 with companies like Farm Bureau.

New River car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$372	$61
Root Insurance Company	$420	$72
Country Financial	$526	$87
Hartford	$658	$112
Progressive	$883	$149
Travelers	$982	$165
Farmers	$1058	$178
State Farm	$1206	$203
USAA	$1703	$287
Nationwide	$2110	$359
Auto-Owners	$2775	$463
The Hartford	$3049	$518
Allstate	$3231	$544
Farm Bureau	$4170	$709

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 New River are offered by AutoOwners Insurance Co at $365. However, it can be as expensive as $3967 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in New River after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$365	$63
Mercury	$400	$66
Country Financial	$434	$74
Root Insurance Company	$477	$79
Farmers	$491	$84
State Farm	$946	$159
Travelers	$1051	$177
Progressive	$1058	$178
USAA	$1500	$255
Auto-Owners	$1535	$256
Farm Bureau	$2334	$396
The Hartford	$2656	$443
Allstate	$3967	$675

Car Insurance Price Trends in New River, Arizona

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

The average cost of full coverage in the New River rose by $248 in January compared to $143 of December. In other words, there has been an increase by $105 when you compare January and December.

The average cost of liability insurance in the New River rose to $74 in January, compared to $64 in December. This represents an increase of $10 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in New River?

The car insurance in New River is $47 per month, which is lower than the national average.

What is the cheapest car insurance in New River?

The cheapest car insurance in New River is $94 per month for full coverage.

How much is car insurance in New River for teenagers?

Car insurance for teenagers costs $336 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 New River?

The average cost of car insurance is $1017 for a six-month policy. It will cost around $202 per month to insure your car in New River.

Is car insurance expensive in New River?

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

What is the best car insurance in New River, AZ?

The best car insurance company in New River AZ is Root Insurance Company, offering $553 for a six-month policy.