Cheapest Car Insurance Quotes in Peach Springs

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Peach Springs Car Insurance

^$ 37

/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 Peach Springs

The car insurance rate in Peach Springs is $858 for a six-month policy, which is $75 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $431, making it a popular choice for budget-conscious drivers. Rates in Peach Springs 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 Peach Springs

$858

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Peach Springs

1st place: Root Insurance Company

At $431 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 $569 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $595 for six months, making it the third cheapest auto insurance company in Peach Springs.

Peach Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Peach Springs, AZ is Root Insurance Company, offering policies at just $431 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $569.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1000 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Peach Springs drivers find the best deals.

Cheap Car Insurance Companies in Peach Springs, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$431	$72
Auto-Owners Insurance Co	$569	$97
Farmers	$595	$99
Mercury	$612	$104
Hartford	$639	$107
Iowa Farm Bureau	$645	$109
Travelers	$684	$115
State Farm	$858	$144
Progressive	$885	$149
USAA	$891	$150
Auto-Owners	$957	$161
Allstate	$1028	$173
The Hartford	$1225	$204
CSAA	$1858	$316
Nationwide	$1000	$167

Key Takeaways

Way's key takeaways about car insurance in Peach Springs

The auto insurance costs in Peach Springs fall around $431 for six months.
The cheapest auto insurance company in Peach Springs is Mercury.
Teen drivers pay the highest rate in Peach Springs at $809 per month.

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Cheapest Minimum Liability Car Insurance in Peach Springs

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 Peach Springs are given below.

Mercury provides the cheapest minimum car insurance coverage in Peach Springs. Their Average 6 Month Premium is $219. Allstate is the most expensive at $383 for the same period.

Cheapest Liability Coverage in Peach Springs, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$219	$37
Travelers	$257	$43
Auto-Owners	$279	$47
Auto-Owners Insurance Co	$284	$49
Country Financial	$290	$48
USAA	$290	$49
Root Insurance Company	$295	$49
Farmers	$312	$53
Progressive	$317	$53
Iowa Farm Bureau	$328	$56
State Farm	$333	$56
Allstate	$383	$64

Cheapest Full Coverage Car Insurance in Peach Springs

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 Peach Springs is Root Insurance Company at $72 per month and $431 for six months.

Cheapest Full Coverage Car Insurance Quotes in Peach Springs, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$431	$72
Auto-Owners Insurance Co	$569	$97
Farmers	$595	$99
Mercury	$612	$104
Hartford	$639	$107
Iowa Farm Bureau	$645	$109
Travelers	$684	$115
State Farm	$858	$144
Progressive	$885	$149
USAA	$891	$150
Auto-Owners	$957	$161
Allstate	$1028	$173
The Hartford	$1225	$204
CSAA	$1858	$316
Nationwide	$1000	$167

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Average Car Insurance in Peach Springs 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 Peach Springs, AZ increasing?

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

Car Insurance Premiums by Age in Peach Springs

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	$496
40s	USAA	$452
50s	USAA	$428
60s	USAA	$440
70s	USAA	$520

Cheapest Car Insurance Rates for Teen Drivers in Peach Springs,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Peach Springs at $44 per month. At $4853 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$262	$44
Travelers	$262	$44
Root Insurance Company	$301	$52
Progressive	$312	$52
USAA	$317	$54
Country Financial	$339	$56
State Farm	$339	$57
Allstate	$383	$64
Farmers	$383	$65
Auto-Owners Insurance Co	$388	$64
Iowa Farm Bureau	$405	$69
Auto-Owners	$2295	$383
CSAA	$4853	$809

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 Peach Springs.

As young drivers face the highest rates in Peach Springs, USAA offers the cheapest auto insurance rates at $496 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 Peach Springs, Mercury is the cheapest car insurance provider. At $251 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 Peach Springs is Hartford, offering rates of around $601 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$251	$42
Travelers	$317	$54
Root Insurance Company	$377	$63
Progressive	$383	$65
Country Financial	$405	$67
Farmers	$454	$77
Nationwide	$465	$77
Allstate	$519	$88
Iowa Farm Bureau	$591	$98
Hartford	$601	$102

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Car Insurance Rates with An Accident in Peach Springs

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 Peach Springs, AZ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Peach Springs

The cheapest car insurance companies after an at-fault accident in Peach Springs include Root Insurance Company and Country Financial, offering $372 and $377, respectively. CSAA is an expensive provider with an average six-month premium of $3017.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$372	$62
Country Financial	$377	$64
Auto-Owners Insurance Co	$443	$74
Travelers	$443	$75
State Farm	$591	$99
Noblr	$623	$106
Root	$678	$113
USAA	$716	$121
General Casualty	$847	$141
Progressive	$853	$144
Auto-Owners	$1213	$202
Farmers	$1251	$211
Mercury	$1301	$219
Allstate	$1328	$224
Farm Bureau Mutual (IA Group)	$1344	$224
Metromile	$1530	$260
General Agents Group	$1721	$287
Country	$1820	$309
The Hartford	$1929	$321
Encompass	$1978	$337
Nationwide	$2126	$354
Safeway	$2421	$411
Permanent General	$2617	$436
MetLife	$2984	$507
CSAA	$3017	$502

Peach Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Peach Springs AZ. For example, the car insurance in Peach Springs after a DUI increases to $1110 for a six month policy. While the rate increases by $225 for a six-month policy in the case of a speeding ticket.

Peach Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1076	$179
One Med/PIP claim	$1076	$183
Not-at-fault accident	$1082	$180
One comp claim	$1126	$191
Two Med/PIP claims	$1126	$188
Two comp claims	$1169	$199
Failure to wear a seat belt	$1230	$205
Child safety restraint	$1279	$217
Driving without lights	$1279	$213
Failure to show documents	$1279	$217
Speeding 6 - 10 MPH over limit	$1301	$217
Driving too slowly	$1350	$229
Speeding 11 - 15 MPH over limit	$1350	$225
Speeding in school zone	$1350	$229
Driving with expired registration	$1361	$227
Speeding 16 - 20 MPH over limit	$1361	$231
Cell phone violation	$1366	$228
Failure to stop at a red light	$1366	$233
Failure to yield	$1366	$228
Following too closely	$1366	$233
Illegal turn	$1366	$228
Texting while driving	$1366	$233
Wrong way/wrong lane	$1366	$228
Improper passing	$1388	$236
Speeding 21 - 25 MPH over limit	$1405	$234
In 65 MPH zone	$1426	$243
Passing school bus	$1443	$240
At-fault accident - less than $1000	$1481	$252
Operating a vehicle without permission	$1558	$259
At-fault accident - $1000-$2000	$1601	$272
At-fault accident - greater than $2000	$1623	$270
Open container	$1705	$290
Reckless driving	$1891	$316
Driving with a suspended license	$1951	$332
DUI	$2186	$364
Refusal to submit to a chemical test	$2186	$372
Racing	$2235	$373
Leaving scene of an accident/hit and run	$2246	$382

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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 Peach Springs 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 Peach Springs.

The cheapest car insurance premiums in Peach Springs are offered by Mercury at $290 for a six-month policy. However, it can be as expensive as $1645 with companies like Nationwide.

Peach Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$290	$50
Root Insurance Company	$328	$54
Country Financial	$410	$70
Travelers	$502	$85
Progressive	$508	$86
Hartford	$513	$86
State Farm	$541	$91
Farmers	$825	$139
USAA	$1098	$185
Allstate	$1628	$271
Nationwide	$1645	$280

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 Peach Springs are offered by AutoOwners Insurance Co at $284. However, it can be as expensive as $383 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Peach Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$284	$49
State Farm	$290	$48
Travelers	$290	$50
Mercury	$312	$52
Progressive	$333	$57
Country Financial	$339	$56
Root Insurance Company	$372	$63
Farmers	$383	$63

Car Insurance Price Trends in Peach Springs, Arizona

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

The average cost of full coverage in the Peach Springs rose by $111 in December compared to $109 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Peach Springs rose to $50 in December, compared to $48 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 Peach Springs?

The car insurance in Peach Springs is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Peach Springs?

The cheapest car insurance in Peach Springs is $72 per month for full coverage.

How much is car insurance in Peach Springs for teenagers?

Car insurance for teenagers costs $262 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 Peach Springs?

The average cost of car insurance is $933 for a six-month policy. It will cost around $144 per month to insure your car in Peach Springs.

Is car insurance expensive in Peach Springs?

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

What is the best car insurance in Peach Springs, AZ?

The best car insurance company in Peach Springs AZ is Root Insurance Company, offering $431 for a six-month policy.