Cheapest Car Insurance Quotes in Paradise Valley

Finding the cheapest car insurance quotes in Paradise Valley 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Paradise Valley Car Insurance

^$ 48

/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 Paradise Valley

The car insurance rate in Paradise Valley is $1110 for a six-month policy, which is $177 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $558, making it a popular choice for budget-conscious drivers. Rates in Paradise Valley 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 Paradise Valley

$1110

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Paradise Valley

1st place: Root Insurance Company

At $558 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 $735 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $770 for six months, making it the third cheapest auto insurance company in Paradise Valley.

Paradise Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Paradise Valley, AZ is Root Insurance Company, offering policies at just $558 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $735.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1294 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Paradise Valley drivers find the best deals.

Cheap Car Insurance Companies in Paradise Valley, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$558	$93
Auto-Owners Insurance Co	$735	$125
Farmers	$770	$129
Mercury	$791	$134
Hartford	$827	$138
Iowa Farm Bureau	$834	$142
Travelers	$884	$149
State Farm	$1110	$187
Progressive	$1145	$193
USAA	$1152	$194
Auto-Owners	$1238	$208
Allstate	$1329	$224
The Hartford	$1584	$264
CSAA	$2404	$408
Nationwide	$1294	$215

Key Takeaways

Way's key takeaways about car insurance in Paradise Valley

The auto insurance costs in Paradise Valley fall around $558 for six months.
The cheapest auto insurance company in Paradise Valley is Mercury.
Teen drivers pay the highest rate in Paradise Valley at $1046 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 Paradise Valley

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 Paradise Valley are given below.

Mercury provides the cheapest minimum car insurance coverage in Paradise Valley. Their Average 6 Month Premium is $283. Allstate is the most expensive at $495 for the same period.

Cheapest Liability Coverage in Paradise Valley, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$283	$48
Travelers	$332	$56
Auto-Owners	$361	$61
Auto-Owners Insurance Co	$368	$63
Country Financial	$375	$62
USAA	$375	$63
Root Insurance Company	$382	$63
Farmers	$403	$69
Progressive	$411	$69
Iowa Farm Bureau	$424	$73
State Farm	$431	$73
Allstate	$495	$83

Cheapest Full Coverage Car Insurance in Paradise Valley

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 Paradise Valley is Root Insurance Company at $93 per month and $558 for six months.

Cheapest Full Coverage Car Insurance Quotes in Paradise Valley, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$558	$93
Auto-Owners Insurance Co	$735	$125
Farmers	$770	$129
Mercury	$791	$134
Hartford	$827	$138
Iowa Farm Bureau	$834	$142
Travelers	$884	$149
State Farm	$1110	$187
Progressive	$1145	$193
USAA	$1152	$194
Auto-Owners	$1238	$208
Allstate	$1329	$224
The Hartford	$1584	$264
CSAA	$2404	$408
Nationwide	$1294	$215

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Paradise Valley Instantly!

Average Car Insurance in Paradise Valley 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 Paradise Valley, AZ increasing?

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

Car Insurance Premiums by Age in Paradise Valley

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	$641
40s	USAA	$584
50s	USAA	$553
60s	USAA	$569
70s	USAA	$672

Cheapest Car Insurance Rates for Teen Drivers in Paradise Valley,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Paradise Valley at $57 per month. At $6277 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$339	$57
Travelers	$339	$57
Root Insurance Company	$389	$67
Progressive	$403	$67
USAA	$411	$70
Country Financial	$438	$73
State Farm	$438	$74
Allstate	$495	$83
Farmers	$495	$84
Auto-Owners Insurance Co	$502	$83
Iowa Farm Bureau	$524	$89
Auto-Owners	$2969	$495
CSAA	$6277	$1046

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 Paradise Valley.

As young drivers face the highest rates in Paradise Valley, USAA offers the cheapest auto insurance rates at $641 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 Paradise Valley, Mercury is the cheapest car insurance provider. At $325 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 Paradise Valley is Hartford, offering rates of around $777 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$325	$55
Travelers	$411	$70
Root Insurance Company	$488	$81
Progressive	$495	$84
Country Financial	$524	$87
Farmers	$587	$100
Nationwide	$601	$100
Allstate	$671	$114
Iowa Farm Bureau	$764	$127
Hartford	$777	$132

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Paradise Valley.

Car Insurance Rates with An Accident in Paradise Valley

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

Cheapest Car Insurance Companies after an At-Fault Accident in Paradise Valley

The cheapest car insurance companies after an at-fault accident in Paradise Valley include Root Insurance Company and Country Financial, offering $481 and $488, respectively. CSAA is an expensive provider with an average six-month premium of $3902.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$481	$80
Country Financial	$488	$83
Auto-Owners Insurance Co	$572	$95
Travelers	$572	$96
State Farm	$764	$129
Noblr	$806	$137
Root	$877	$146
USAA	$926	$156
General Casualty	$1096	$182
Progressive	$1103	$186
Auto-Owners	$1570	$262
Farmers	$1618	$273
Mercury	$1683	$283
Allstate	$1717	$289
Farm Bureau Mutual (IA Group)	$1739	$290
Metromile	$1979	$337
General Agents Group	$2226	$371
Country	$2354	$400
The Hartford	$2495	$415
Encompass	$2559	$436
Nationwide	$2750	$458
Safeway	$3131	$532
Permanent General	$3386	$564
MetLife	$3859	$656
CSAA	$3902	$650

Paradise Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Paradise Valley AZ. For example, the car insurance in Paradise Valley after a DUI increases to $1435 for a six month policy. While the rate increases by $291 for a six-month policy in the case of a speeding ticket.

Paradise Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1392	$232
One Med/PIP claim	$1392	$237
Not-at-fault accident	$1399	$233
One comp claim	$1457	$248
Two Med/PIP claims	$1457	$243
Two comp claims	$1512	$257
Failure to wear a seat belt	$1591	$265
Child safety restraint	$1654	$281
Driving without lights	$1654	$276
Failure to show documents	$1654	$281
Speeding 6 - 10 MPH over limit	$1683	$281
Driving too slowly	$1746	$296
Speeding 11 - 15 MPH over limit	$1746	$292
Speeding in school zone	$1746	$296
Driving with expired registration	$1760	$294
Speeding 16 - 20 MPH over limit	$1760	$299
Cell phone violation	$1767	$295
Failure to stop at a red light	$1767	$301
Failure to yield	$1767	$295
Following too closely	$1767	$301
Illegal turn	$1767	$295
Texting while driving	$1767	$301
Wrong way/wrong lane	$1767	$295
Improper passing	$1796	$306
Speeding 21 - 25 MPH over limit	$1817	$302
In 65 MPH zone	$1845	$314
Passing school bus	$1866	$311
At-fault accident - less than $1000	$1916	$326
Operating a vehicle without permission	$2015	$336
At-fault accident - $1000-$2000	$2071	$352
At-fault accident - greater than $2000	$2099	$350
Open container	$2205	$375
Reckless driving	$2445	$408
Driving with a suspended license	$2524	$430
DUI	$2827	$471
Refusal to submit to a chemical test	$2827	$481
Racing	$2891	$482
Leaving scene of an accident/hit and run	$2905	$494

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Paradise Valley 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 Paradise Valley.

The cheapest car insurance premiums in Paradise Valley are offered by Mercury at $375 for a six-month policy. However, it can be as expensive as $2128 with companies like Nationwide.

Paradise Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$375	$64
Root Insurance Company	$424	$70
Country Financial	$531	$90
Travelers	$650	$109
Progressive	$657	$111
Hartford	$664	$111
State Farm	$700	$118
Farmers	$1067	$180
USAA	$1421	$239
Allstate	$2106	$351
Nationwide	$2128	$362

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 Paradise Valley are offered by AutoOwners Insurance Co at $368. However, it can be as expensive as $495 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Paradise Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$368	$63
State Farm	$375	$62
Travelers	$375	$64
Mercury	$403	$67
Progressive	$431	$74
Country Financial	$438	$73
Root Insurance Company	$481	$82
Farmers	$495	$82

Car Insurance Price Trends in Paradise Valley, Arizona

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

The average cost of full coverage in the Paradise Valley rose by $144 in December compared to $140 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Paradise Valley rose to $64 in December, compared to $62 in November. This represents an increase of $2 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Paradise Valley?

The car insurance in Paradise Valley is $48 per month, which is lower than the national average.

What is the cheapest car insurance in Paradise Valley?

The cheapest car insurance in Paradise Valley is $93 per month for full coverage.

How much is car insurance in Paradise Valley for teenagers?

Car insurance for teenagers costs $339 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 Paradise Valley?

The average cost of car insurance is $933 for a six-month policy. It will cost around $187 per month to insure your car in Paradise Valley.

Is car insurance expensive in Paradise Valley?

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

What is the best car insurance in Paradise Valley, AZ?

The best car insurance company in Paradise Valley AZ is Root Insurance Company, offering $558 for a six-month policy.