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Finding the cheapest car insurance quotes in Red 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.
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 Red Valley
The car insurance rate in Red Valley is $961 for a six-month policy, which is $28 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $483, making it a popular choice for budget-conscious drivers. Rates in Red 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.
At $483 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 $637 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Farmers
Farmers offers auto insurance
rates at $666
for six months, making it
the third cheapest auto insurance company in Red Valley.
Red Valley Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Red Valley, AZ is Root Insurance Company, offering policies at just $483 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $637.
At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1120 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Red Valley drivers find the best deals.
Way's key takeaways about car insurance in Red Valley
The auto insurance costs in Red Valley fall around $483 for six
months.
The cheapest auto insurance company in Red Valley is Mercury.
Teen drivers pay the highest rate in Red Valley at $905 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 Red 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 Red Valley are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Red Valley. Their Average 6 Month Premium is $245.
Allstate is the most
expensive at $428 for the same
period.
Cheapest Full Coverage Car Insurance in Red 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 Red Valley is Root Insurance Company
at $80 per month and $483
for six months.
Cheapest Full Coverage Car Insurance Quotes in Red Valley,
AZ
Get Your Car Insurance Quote in Red Valley
Instantly!
Average Car Insurance in Red 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 Red Valley, AZ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Red 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, Red 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 Red 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
$555
40s
USAA
$506
50s
USAA
$479
60s
USAA
$492
70s
USAA
$582
Cheapest Car Insurance Rates for Teen Drivers in
Red Valley,AZ
If you are planning to get a car insurance policy for your teenage
dependent, Mercury provides the cheapest car
insurance in the Red Valley at $49
per
month. At $5433 for a six-month premium,
CSAA offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Red Valley.
As young drivers face the highest rates in Red Valley, USAA
offers the cheapest auto insurance rates at $555 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 Red Valley,
Mercury is
the cheapest car insurance provider. At $281 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
Red Valley is Hartford, offering
rates of around $673 for six
months.
Save up to $971/yr on car insurance rates in Red Valley.
Car Insurance Rates with An Accident in Red 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 Red Valley, AZ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Red Valley
The cheapest car insurance companies after an at-fault accident in
Red Valley include Root Insurance Company
and Country Financial, offering $416
and $422,
respectively. CSAA is an expensive provider
with an average six-month premium of
$3377.
Here is a list of driving violations that can increase your car
insurance rates in Red Valley AZ. For example, the car
insurance in Red Valley
after a DUI increases to $1242 for a six
month policy. While the rate increases by $251 for a six-month policy in the case of
a speeding ticket.
Red Valley auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1205
$201
One Med/PIP claim
$1205
$205
Not-at-fault accident
$1211
$202
One comp claim
$1261
$214
Two Med/PIP claims
$1261
$210
Two comp claims
$1309
$222
Failure to wear a seat belt
$1377
$230
Child safety restraint
$1432
$243
Driving without lights
$1432
$239
Failure to show documents
$1432
$243
Speeding 6 - 10 MPH over limit
$1456
$243
Driving too slowly
$1511
$256
Speeding 11 - 15 MPH over limit
$1511
$252
Speeding in school zone
$1511
$256
Driving with expired registration
$1523
$254
Speeding 16 - 20 MPH over limit
$1523
$259
Cell phone violation
$1530
$255
Failure to stop at a red light
$1530
$261
Failure to yield
$1530
$255
Following too closely
$1530
$261
Illegal turn
$1530
$255
Texting while driving
$1530
$261
Wrong way/wrong lane
$1530
$255
Improper passing
$1554
$265
Speeding 21 - 25 MPH over limit
$1573
$262
In 65 MPH zone
$1597
$272
Passing school bus
$1615
$269
At-fault accident - less than $1000
$1658
$282
Operating a vehicle without permission
$1744
$290
At-fault accident - $1000-$2000
$1792
$305
At-fault accident - greater than $2000
$1817
$303
Open container
$1909
$324
Reckless driving
$2117
$353
Driving with a suspended license
$2185
$372
DUI
$2447
$408
Refusal to submit to a chemical test
$2447
$416
Racing
$2502
$417
Leaving scene of an accident/hit and run
$2514
$427
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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 Red 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 Red Valley.
The cheapest car insurance premiums in
Red Valley are
offered by Mercury at $324 for a six-month policy.
However, it can be as
expensive as $1842 with companies
like Nationwide.
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 Red Valley are offered by AutoOwners Insurance Co
at $318. However,
it can be as expensive as $428
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Red Valley after Speeding ticket
Car insurance rates in Red Valley have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Red Valley rose by
$125 in December
compared to $122 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 Red Valley rose to $56 in December,
compared to $54 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Red Valley by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Red Valley. At $1921 for a
six-month policy, insuring
your car at 86544 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 Red Valley?
The car insurance in Red Valley is $41 per month, which is lower than the national average.
What is the cheapest car insurance in Red Valley?
The cheapest car insurance in Red Valley
is $80 per month
for full coverage.
How much is car insurance in Red Valley for teenagers?
Car insurance for teenagers costs $294 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
Red Valley?
The average cost of car insurance is $933 for a six-month
policy. It will cost around $162 per month to insure your
car in Red Valley.
Is car insurance expensive in Red Valley?
Car insurance can be expensive in Red Valley if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Red Valley can be
affordable.
What is the best car insurance in Red Valley,
AZ?
The best car insurance company in Red Valley
AZ is
Root Insurance Company, offering $483 for a
six-month policy.
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Red Valley Car Insurance
