Cheapest Car Insurance Quotes in Picture Rocks

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Picture Rocks Car Insurance

^$ 43

/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 Picture Rocks

The car insurance rate in Picture Rocks is $1008 for a six-month policy, which is $75 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $507, making it a popular choice for budget-conscious drivers. Rates in Picture Rocks 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 Picture Rocks

$1008

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Picture Rocks

1st place: Root Insurance Company

At $507 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 $667 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $699 for six months, making it the third cheapest auto insurance company in Picture Rocks.

Picture Rocks Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Picture Rocks, AZ is Root Insurance Company, offering policies at just $507 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $667.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1174 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Picture Rocks drivers find the best deals.

Cheap Car Insurance Companies in Picture Rocks, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$507	$84
Auto-Owners Insurance Co	$667	$113
Farmers	$699	$117
Mercury	$718	$122
Hartford	$751	$125
Iowa Farm Bureau	$757	$129
Travelers	$802	$135
State Farm	$1008	$170
Progressive	$1039	$175
USAA	$1045	$176
Auto-Owners	$1123	$189
Allstate	$1206	$203
The Hartford	$1437	$240
CSAA	$2182	$370
Nationwide	$1174	$195

Key Takeaways

Way's key takeaways about car insurance in Picture Rocks

The auto insurance costs in Picture Rocks fall around $507 for six months.
The cheapest auto insurance company in Picture Rocks is Mercury.
Teen drivers pay the highest rate in Picture Rocks at $949 per month.

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Cheapest Minimum Liability Car Insurance in Picture Rocks

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 Picture Rocks are given below.

Mercury provides the cheapest minimum car insurance coverage in Picture Rocks. Their Average 6 Month Premium is $257. Allstate is the most expensive at $449 for the same period.

Cheapest Liability Coverage in Picture Rocks, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$257	$43
Travelers	$301	$51
Auto-Owners	$327	$55
Auto-Owners Insurance Co	$334	$57
Country Financial	$340	$56
USAA	$340	$57
Root Insurance Company	$347	$57
Farmers	$366	$63
Progressive	$373	$63
Iowa Farm Bureau	$384	$66
State Farm	$391	$66
Allstate	$449	$76

Cheapest Full Coverage Car Insurance in Picture Rocks

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 Picture Rocks is Root Insurance Company at $84 per month and $507 for six months.

Cheapest Full Coverage Car Insurance Quotes in Picture Rocks, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$507	$84
Auto-Owners Insurance Co	$667	$113
Farmers	$699	$117
Mercury	$718	$122
Hartford	$751	$125
Iowa Farm Bureau	$757	$129
Travelers	$802	$135
State Farm	$1008	$170
Progressive	$1039	$175
USAA	$1045	$176
Auto-Owners	$1123	$189
Allstate	$1206	$203
The Hartford	$1437	$240
CSAA	$2182	$370
Nationwide	$1174	$195

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Average Car Insurance in Picture Rocks 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 Picture Rocks, AZ increasing?

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

Car Insurance Premiums by Age in Picture Rocks

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	$582
40s	USAA	$530
50s	USAA	$502
60s	USAA	$516
70s	USAA	$610

Cheapest Car Insurance Rates for Teen Drivers in Picture Rocks,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Picture Rocks at $52 per month. At $5697 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$308	$52
Travelers	$308	$52
Root Insurance Company	$353	$60
Progressive	$366	$60
USAA	$373	$64
Country Financial	$397	$66
State Farm	$397	$67
Allstate	$449	$76
Farmers	$449	$77
Auto-Owners Insurance Co	$456	$76
Iowa Farm Bureau	$475	$81
Auto-Owners	$2695	$449
CSAA	$5697	$949

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 Picture Rocks.

As young drivers face the highest rates in Picture Rocks, USAA offers the cheapest auto insurance rates at $582 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 Picture Rocks, Mercury is the cheapest car insurance provider. At $295 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 Picture Rocks is Hartford, offering rates of around $705 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$295	$50
Travelers	$373	$64
Root Insurance Company	$443	$73
Progressive	$449	$77
Country Financial	$475	$79
Farmers	$532	$91
Nationwide	$545	$91
Allstate	$609	$104
Iowa Farm Bureau	$693	$116
Hartford	$705	$120

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Car Insurance Rates with An Accident in Picture Rocks

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 Picture Rocks, AZ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Picture Rocks

The cheapest car insurance companies after an at-fault accident in Picture Rocks include Root Insurance Company and Country Financial, offering $436 and $443, respectively. CSAA is an expensive provider with an average six-month premium of $3541.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$436	$72
Country Financial	$443	$76
Auto-Owners Insurance Co	$519	$86
Travelers	$519	$87
State Farm	$693	$117
Noblr	$731	$124
Root	$796	$133
USAA	$840	$141
General Casualty	$995	$165
Progressive	$1001	$168
Auto-Owners	$1425	$238
Farmers	$1469	$247
Mercury	$1527	$257
Allstate	$1558	$262
Farm Bureau Mutual (IA Group)	$1578	$264
Metromile	$1796	$306
General Agents Group	$2021	$337
Country	$2136	$363
The Hartford	$2265	$377
Encompass	$2322	$395
Nationwide	$2496	$416
Safeway	$2841	$483
Permanent General	$3073	$512
MetLife	$3502	$595
CSAA	$3541	$590

Picture Rocks Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Picture Rocks AZ. For example, the car insurance in Picture Rocks after a DUI increases to $1302 for a six month policy. While the rate increases by $263 for a six-month policy in the case of a speeding ticket.

Picture Rocks auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1264	$211
One Med/PIP claim	$1264	$215
Not-at-fault accident	$1270	$212
One comp claim	$1322	$225
Two Med/PIP claims	$1322	$220
Two comp claims	$1373	$233
Failure to wear a seat belt	$1444	$241
Child safety restraint	$1501	$255
Driving without lights	$1501	$251
Failure to show documents	$1501	$255
Speeding 6 - 10 MPH over limit	$1527	$255
Driving too slowly	$1584	$269
Speeding 11 - 15 MPH over limit	$1584	$265
Speeding in school zone	$1584	$269
Driving with expired registration	$1597	$267
Speeding 16 - 20 MPH over limit	$1597	$271
Cell phone violation	$1604	$268
Failure to stop at a red light	$1604	$273
Failure to yield	$1604	$268
Following too closely	$1604	$273
Illegal turn	$1604	$268
Texting while driving	$1604	$273
Wrong way/wrong lane	$1604	$268
Improper passing	$1630	$278
Speeding 21 - 25 MPH over limit	$1649	$274
In 65 MPH zone	$1674	$285
Passing school bus	$1693	$282
At-fault accident - less than $1000	$1739	$296
Operating a vehicle without permission	$1828	$305
At-fault accident - $1000-$2000	$1879	$320
At-fault accident - greater than $2000	$1905	$318
Open container	$2001	$340
Reckless driving	$2219	$370
Driving with a suspended license	$2291	$390
DUI	$2566	$428
Refusal to submit to a chemical test	$2566	$436
Racing	$2623	$437
Leaving scene of an accident/hit and run	$2636	$448

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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 Picture Rocks 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 Picture Rocks.

The cheapest car insurance premiums in Picture Rocks are offered by Mercury at $340 for a six-month policy. However, it can be as expensive as $1931 with companies like Nationwide.

Picture Rocks car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$340	$58
Root Insurance Company	$384	$64
Country Financial	$482	$82
Travelers	$590	$99
Progressive	$596	$100
Hartford	$603	$100
State Farm	$635	$107
Farmers	$969	$163
USAA	$1290	$217
Allstate	$1912	$319
Nationwide	$1931	$328

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 Picture Rocks are offered by AutoOwners Insurance Co at $334. However, it can be as expensive as $449 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Picture Rocks after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$334	$57
State Farm	$340	$56
Travelers	$340	$58
Mercury	$366	$60
Progressive	$391	$67
Country Financial	$397	$66
Root Insurance Company	$436	$75
Farmers	$449	$75

Car Insurance Price Trends in Picture Rocks, Arizona

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

The average cost of full coverage in the Picture Rocks rose by $131 in December compared to $127 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 Picture Rocks rose to $58 in December, compared to $56 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 Picture Rocks?

The car insurance in Picture Rocks is $43 per month, which is lower than the national average.

What is the cheapest car insurance in Picture Rocks?

The cheapest car insurance in Picture Rocks is $84 per month for full coverage.

How much is car insurance in Picture Rocks for teenagers?

Car insurance for teenagers costs $308 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 Picture Rocks?

The average cost of car insurance is $933 for a six-month policy. It will cost around $170 per month to insure your car in Picture Rocks.

Is car insurance expensive in Picture Rocks?

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

What is the best car insurance in Picture Rocks, AZ?

The best car insurance company in Picture Rocks AZ is Root Insurance Company, offering $507 for a six-month policy.