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Finding the cheapest car insurance quotes in Pinetop 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.
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 Pinetop
The car insurance rate in Pinetop is $946 for a six-month policy, which is $71 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $436, making it a popular choice for budget-conscious drivers. Rates in Pinetop 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.
At $436 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 $575 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Farmers
Farmers offers auto insurance
rates at $602
for six months, making it
the third cheapest auto insurance company in Pinetop.
Pinetop Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Pinetop, AZ is Root Insurance Company, offering policies at just $436 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $575.
At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1011 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pinetop drivers find the best deals.
Way's key takeaways about car insurance in Pinetop
The auto insurance costs in Pinetop fall around $436 for six
months.
The cheapest auto insurance company in Pinetop is Mercury.
Teen drivers pay the highest rate in Pinetop at $817 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 Pinetop
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 Pinetop are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Pinetop. Their Average 6 Month Premium is $221.
The Hartford is the most
expensive at $569 for the same
period.
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 Pinetop is Root Insurance Company
at $74 per month and $436
for six months.
Cheapest Full Coverage Car Insurance Quotes in Pinetop,
AZ
Get Your Car Insurance Quote in Pinetop
Instantly!
Average Car Insurance in Pinetop 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 Pinetop, AZ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Pinetop, 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, Pinetop's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Pinetop
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
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Cheapest Car Insurance Rates for Teen Drivers in
Pinetop,AZ
If you are planning to get a car insurance policy for your teenage
dependent, Mercury provides the cheapest car
insurance in the Pinetop at $45
per
month. At $4906 for a six-month premium,
CSAA offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Pinetop.
As young drivers face the highest rates in Pinetop, N/A
offers the cheapest auto insurance rates at $N/A 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 Pinetop,
Mercury is
the cheapest car insurance provider. At $254 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
Pinetop is State Farm, offering
rates of around $6375 for six
months.
Save up to $971/yr on car insurance rates in Pinetop.
Car Insurance Rates with An Accident in Pinetop
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 Pinetop, AZ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Pinetop
The cheapest car insurance companies after an at-fault accident in
Pinetop include Root Insurance Company
and Country Financial, offering $376
and $381,
respectively. CSAA is an expensive provider
with an average six-month premium of
$3049.
Here is a list of driving violations that can increase your car
insurance rates in Pinetop AZ. For example, the car
insurance in Pinetop
after a DUI increases to $1122 for a six
month policy. While the rate increases by $227 for a six-month policy in the case of
a speeding ticket.
Pinetop auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1088
$181
One Med/PIP claim
$1088
$185
Not-at-fault accident
$1094
$182
One comp claim
$1138
$193
Two Med/PIP claims
$1138
$190
Two comp claims
$1182
$201
Failure to wear a seat belt
$1243
$207
Child safety restraint
$1293
$219
Driving without lights
$1293
$216
Failure to show documents
$1293
$219
Speeding 6 - 10 MPH over limit
$1315
$219
Driving too slowly
$1364
$232
Speeding 11 - 15 MPH over limit
$1364
$228
Speeding in school zone
$1364
$232
Driving with expired registration
$1375
$230
Speeding 16 - 20 MPH over limit
$1375
$233
Cell phone violation
$1381
$231
Failure to stop at a red light
$1381
$235
Failure to yield
$1381
$231
Following too closely
$1381
$235
Illegal turn
$1381
$231
Texting while driving
$1381
$235
Wrong way/wrong lane
$1381
$231
Improper passing
$1403
$239
Speeding 21 - 25 MPH over limit
$1420
$236
In 65 MPH zone
$1442
$246
Passing school bus
$1458
$243
At-fault accident - less than $1000
$1497
$255
Operating a vehicle without permission
$1574
$262
At-fault accident - $1000-$2000
$1618
$275
At-fault accident - greater than $2000
$1641
$273
Open container
$1723
$293
Reckless driving
$1911
$319
Driving with a suspended license
$1973
$336
DUI
$2210
$368
Refusal to submit to a chemical test
$2210
$376
Racing
$2259
$377
Leaving scene of an accident/hit and run
$2270
$386
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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 Pinetop 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 Pinetop.
The cheapest car insurance premiums in
Pinetop are
offered by Mercury at $293 for a six-month policy.
However, it can be as
expensive as $3287 with companies
like Farm Bureau.
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 Pinetop are offered by AutoOwners Insurance Co
at $287. However,
it can be as expensive as $3127
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Pinetop after Speeding ticket
Car insurance rates in Pinetop have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Pinetop rose by
$195 in January
compared to $113 of December. In other words, there has been an increase by $82 when you
compare January and December.
The average cost of liability insurance in the Pinetop rose to $59 in January,
compared to $50 in December.
This represents an increase of $9
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Pinetop. At $1891 for a
six-month policy, insuring
your car at 85935 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Pinetop?
The car insurance in Pinetop is $37 per month, which is lower than the national average.
What is the cheapest car insurance in Pinetop?
The cheapest car insurance in Pinetop
is $74 per month
for full coverage.
How much is car insurance in Pinetop for teenagers?
Car insurance for teenagers costs $265 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
Pinetop?
The average cost of car insurance is $1017 for a six-month
policy. It will cost around $159 per month to insure your
car in Pinetop.
Is car insurance expensive in Pinetop?
Car insurance can be expensive in Pinetop if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Pinetop can be
affordable.
What is the best car insurance in Pinetop,
AZ?
The best car insurance company in Pinetop
AZ is
Root Insurance Company, offering $436 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Pinetop, AZ
Car Insurance Rates by State in the USA (2025 Update)
Pinetop Car Insurance
