Cheapest Car Insurance Quotes in Queen Creek

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Queen Creek Car Insurance

^$ 46

/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 Queen Creek

The car insurance rate in Queen Creek is $1082 for a six-month policy, which is $149 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $544, making it a popular choice for budget-conscious drivers. Rates in Queen Creek 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 Queen Creek

$1082

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Queen Creek

1st place: Root Insurance Company

At $544 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 $717 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $751 for six months, making it the third cheapest auto insurance company in Queen Creek.

Queen Creek Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Queen Creek, AZ is Root Insurance Company, offering policies at just $544 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $717.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1261 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Queen Creek drivers find the best deals.

Cheap Car Insurance Companies in Queen Creek, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$544	$90
Auto-Owners Insurance Co	$717	$122
Farmers	$751	$125
Mercury	$771	$131
Hartford	$806	$135
Iowa Farm Bureau	$813	$138
Travelers	$862	$145
State Farm	$1082	$182
Progressive	$1116	$188
USAA	$1123	$189
Auto-Owners	$1206	$203
Allstate	$1296	$218
The Hartford	$1544	$258
CSAA	$2343	$398
Nationwide	$1261	$210

Key Takeaways

Way's key takeaways about car insurance in Queen Creek

The auto insurance costs in Queen Creek fall around $544 for six months.
The cheapest auto insurance company in Queen Creek is Mercury.
Teen drivers pay the highest rate in Queen Creek at $1020 per month.

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Cheapest Minimum Liability Car Insurance in Queen Creek

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 Queen Creek are given below.

Mercury provides the cheapest minimum car insurance coverage in Queen Creek. Their Average 6 Month Premium is $276. Allstate is the most expensive at $483 for the same period.

Cheapest Liability Coverage in Queen Creek, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$276	$46
Travelers	$324	$55
Auto-Owners	$351	$59
Auto-Owners Insurance Co	$358	$61
Country Financial	$365	$60
USAA	$365	$61
Root Insurance Company	$372	$61
Farmers	$393	$67
Progressive	$400	$67
Iowa Farm Bureau	$413	$71
State Farm	$420	$71
Allstate	$483	$81

Cheapest Full Coverage Car Insurance in Queen Creek

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 Queen Creek is Root Insurance Company at $90 per month and $544 for six months.

Cheapest Full Coverage Car Insurance Quotes in Queen Creek, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$544	$90
Auto-Owners Insurance Co	$717	$122
Farmers	$751	$125
Mercury	$771	$131
Hartford	$806	$135
Iowa Farm Bureau	$813	$138
Travelers	$862	$145
State Farm	$1082	$182
Progressive	$1116	$188
USAA	$1123	$189
Auto-Owners	$1206	$203
Allstate	$1296	$218
The Hartford	$1544	$258
CSAA	$2343	$398
Nationwide	$1261	$210

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Average Car Insurance in Queen Creek 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 Queen Creek, AZ increasing?

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

Car Insurance Premiums by Age in Queen Creek

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	$625
40s	USAA	$570
50s	USAA	$539
60s	USAA	$554
70s	USAA	$655

Cheapest Car Insurance Rates for Teen Drivers in Queen Creek,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Queen Creek at $56 per month. At $6119 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$331	$56
Travelers	$331	$56
Root Insurance Company	$379	$65
Progressive	$393	$65
USAA	$400	$68
Country Financial	$427	$71
State Farm	$427	$72
Allstate	$483	$81
Farmers	$483	$82
Auto-Owners Insurance Co	$490	$81
Iowa Farm Bureau	$510	$87
Auto-Owners	$2894	$483
CSAA	$6119	$1020

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 Queen Creek.

As young drivers face the highest rates in Queen Creek, USAA offers the cheapest auto insurance rates at $625 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 Queen Creek, Mercury is the cheapest car insurance provider. At $317 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 Queen Creek is Hartford, offering rates of around $757 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$317	$53
Travelers	$400	$68
Root Insurance Company	$476	$79
Progressive	$483	$82
Country Financial	$510	$85
Farmers	$572	$97
Nationwide	$586	$97
Allstate	$654	$111
Iowa Farm Bureau	$745	$124
Hartford	$757	$129

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Car Insurance Rates with An Accident in Queen Creek

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 Queen Creek, AZ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Queen Creek

The cheapest car insurance companies after an at-fault accident in Queen Creek include Root Insurance Company and Country Financial, offering $469 and $476, respectively. CSAA is an expensive provider with an average six-month premium of $3804.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$469	$78
Country Financial	$476	$81
Auto-Owners Insurance Co	$558	$93
Travelers	$558	$94
State Farm	$745	$125
Noblr	$785	$133
Root	$855	$143
USAA	$902	$152
General Casualty	$1068	$177
Progressive	$1075	$181
Auto-Owners	$1530	$255
Farmers	$1578	$266
Mercury	$1640	$276
Allstate	$1674	$282
Farm Bureau Mutual (IA Group)	$1695	$283
Metromile	$1929	$328
General Agents Group	$2170	$362
Country	$2294	$390
The Hartford	$2433	$405
Encompass	$2494	$425
Nationwide	$2681	$447
Safeway	$3052	$519
Permanent General	$3300	$550
MetLife	$3762	$639
CSAA	$3804	$633

Queen Creek Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Queen Creek AZ. For example, the car insurance in Queen Creek after a DUI increases to $1399 for a six month policy. While the rate increases by $283 for a six-month policy in the case of a speeding ticket.

Queen Creek auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1357	$226
One Med/PIP claim	$1357	$231
Not-at-fault accident	$1364	$227
One comp claim	$1420	$241
Two Med/PIP claims	$1420	$237
Two comp claims	$1474	$251
Failure to wear a seat belt	$1551	$259
Child safety restraint	$1612	$274
Driving without lights	$1612	$269
Failure to show documents	$1612	$274
Speeding 6 - 10 MPH over limit	$1640	$274
Driving too slowly	$1702	$289
Speeding 11 - 15 MPH over limit	$1702	$284
Speeding in school zone	$1702	$289
Driving with expired registration	$1716	$287
Speeding 16 - 20 MPH over limit	$1716	$291
Cell phone violation	$1723	$288
Failure to stop at a red light	$1723	$293
Failure to yield	$1723	$288
Following too closely	$1723	$293
Illegal turn	$1723	$288
Texting while driving	$1723	$293
Wrong way/wrong lane	$1723	$288
Improper passing	$1750	$298
Speeding 21 - 25 MPH over limit	$1771	$295
In 65 MPH zone	$1798	$306
Passing school bus	$1819	$303
At-fault accident - less than $1000	$1868	$318
Operating a vehicle without permission	$1964	$327
At-fault accident - $1000-$2000	$2018	$343
At-fault accident - greater than $2000	$2046	$341
Open container	$2149	$365
Reckless driving	$2384	$398
Driving with a suspended license	$2460	$419
DUI	$2756	$459
Refusal to submit to a chemical test	$2756	$469
Racing	$2818	$470
Leaving scene of an accident/hit and run	$2832	$481

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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 Queen Creek 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 Queen Creek.

The cheapest car insurance premiums in Queen Creek are offered by Mercury at $365 for a six-month policy. However, it can be as expensive as $2074 with companies like Nationwide.

Queen Creek car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$365	$63
Root Insurance Company	$413	$68
Country Financial	$517	$88
Travelers	$633	$107
Progressive	$640	$108
Hartford	$647	$108
State Farm	$682	$115
Farmers	$1041	$175
USAA	$1385	$233
Allstate	$2053	$342
Nationwide	$2074	$353

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 Queen Creek are offered by AutoOwners Insurance Co at $358. However, it can be as expensive as $483 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Queen Creek after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$358	$61
State Farm	$365	$60
Travelers	$365	$63
Mercury	$393	$65
Progressive	$420	$72
Country Financial	$427	$71
Root Insurance Company	$469	$80
Farmers	$483	$80

Car Insurance Price Trends in Queen Creek, Arizona

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

The average cost of full coverage in the Queen Creek rose by $140 in December compared to $137 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Queen Creek rose to $63 in December, compared to $60 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Queen Creek?

The car insurance in Queen Creek is $46 per month, which is lower than the national average.

What is the cheapest car insurance in Queen Creek?

The cheapest car insurance in Queen Creek is $90 per month for full coverage.

How much is car insurance in Queen Creek for teenagers?

Car insurance for teenagers costs $331 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 Queen Creek?

The average cost of car insurance is $933 for a six-month policy. It will cost around $182 per month to insure your car in Queen Creek.

Is car insurance expensive in Queen Creek?

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

What is the best car insurance in Queen Creek, AZ?

The best car insurance company in Queen Creek AZ is Root Insurance Company, offering $544 for a six-month policy.