Cheapest Car Insurance Quotes in San Luis

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San Luis Car Insurance

^$ 39

/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 San Luis

The car insurance rate in San Luis is $983 for a six-month policy, which is $30 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $455, making it a popular choice for budget-conscious drivers. Rates in San Luis 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 San Luis

$983

Avg. Car Insurance in Arizona

$1013

National Average

$1278

Cheapest Car Insurance Companies in San Luis

1st place: Root Insurance Company

At $455 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 $599 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $628 for six months, making it the third cheapest auto insurance company in San Luis.

San Luis Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in San Luis, AZ is Root Insurance Company, offering policies at just $455 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $599.

At the higher end of the spectrum, CSAA is the most expensive, with rates reaching $1959 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help San Luis drivers find the best deals.

Cheap Car Insurance Companies in San Luis, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$455	$78
Auto-Owners Insurance Co	$599	$100
Farmers	$628	$107
Mercury	$645	$108
Hartford	$674	$114
Iowa Farm Bureau	$680	$113
Travelers	$801	$135
USAA	$939	$158
Progressive	$951	$160
State Farm	$968	$163
Auto-Owners	$1089	$183
Farm Bureau	$1411	$236
Allstate	$1470	$247
The Hartford	$1470	$247
CSAA	$1959	$333

Key Takeaways

Way's key takeaways about car insurance in San Luis

The auto insurance costs in San Luis fall around $455 for six months.
The cheapest auto insurance company in San Luis is Mercury.
Teen drivers pay the highest rate in San Luis at $793 per month.

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Cheapest Minimum Liability Car Insurance in San Luis

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 San Luis are given below.

Mercury provides the cheapest minimum car insurance coverage in San Luis. Their Average 6 Month Premium is $231. The Hartford is the most expensive at $594 for the same period.

Cheapest Liability Coverage in San Luis, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$231	$39
Auto-Owners Insurance Co	$300	$51
Travelers	$300	$50
Country Financial	$306	$52
Root Insurance Company	$311	$51
USAA	$317	$53
Farmers	$329	$54
Auto-Owners	$345	$58
Iowa Farm Bureau	$345	$57
State Farm	$380	$64
Progressive	$392	$66
Allstate	$496	$83
Farm Bureau	$535	$89
The Hartford	$594	$101

Cheapest Full Coverage Car Insurance in San Luis

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 San Luis is Root Insurance Company at $78 per month and $455 for six months.

Cheapest Full Coverage Car Insurance Quotes in San Luis, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$455	$78
Auto-Owners Insurance Co	$599	$100
Farmers	$628	$107
Mercury	$645	$108
Hartford	$674	$114
Iowa Farm Bureau	$680	$113
Travelers	$801	$135
USAA	$939	$158
Progressive	$951	$160
State Farm	$968	$163
Auto-Owners	$1089	$183
Farm Bureau	$1411	$236
Allstate	$1470	$247
The Hartford	$1470	$247
CSAA	$1959	$333

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Average Car Insurance in San Luis 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 San Luis, AZ increasing?

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

Car Insurance Premiums by Age in San Luis

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

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Cheapest Car Insurance Rates for Teen Drivers in San Luis,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the San Luis at $47 per month. At $4667 for a six-month premium, The Hartford offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$276	$47
Root Insurance Company	$317	$54
Country Financial	$357	$59
Farmers	$404	$69
Auto-Owners Insurance Co	$409	$68
Iowa Farm Bureau	$427	$73
Travelers	$1170	$197
USAA	$1383	$233
State Farm	$1440	$243
Progressive	$2236	$376
Allstate	$2385	$402
Farm Bureau	$3653	$621
Auto-Owners	$3682	$614
The Hartford	$4667	$793

Teen Car Insurance Rates in AZ by Age

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 San Luis, Mercury is the cheapest car insurance provider. At $265 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 San Luis is State Farm, offering rates of around $6649 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$265	$45
Root Insurance Company	$398	$68
Country Financial	$427	$71
Farmers	$478	$81
Nationwide	$490	$81
Iowa Farm Bureau	$623	$106
Hartford	$633	$106
Progressive	$1003	$169
Travelers	$1025	$173
Allstate	$1890	$318
USAA	$1895	$316
Farm Bureau	$2438	$414
The Hartford	$3014	$502
Auto-Owners	$3624	$616
State Farm	$6649	$1108

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Car Insurance Rates with An Accident in San Luis

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 San Luis, AZ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in San Luis

The cheapest car insurance companies after an at-fault accident in San Luis include Root Insurance Company and Country Financial, offering $392 and $398, respectively. CSAA is an expensive provider with an average six-month premium of $3181.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$392	$65
Country Financial	$398	$68
Auto-Owners Insurance Co	$467	$78
Noblr	$657	$112
Travelers	$686	$115
Root	$715	$121
State Farm	$731	$123
General Casualty	$893	$152
USAA	$916	$154
Progressive	$1049	$177
Farmers	$1319	$222
Mercury	$1372	$231
Farm Bureau Mutual (IA Group)	$1417	$237
Auto-Owners	$1527	$257
Metromile	$1613	$269
General Agents Group	$1815	$308
Country	$1919	$320
Encompass	$2086	$355
Allstate	$2109	$355
Nationwide	$2242	$381
The Hartford	$2281	$384
Safeway	$2552	$434
Farm Bureau	$2697	$449
Permanent General	$2760	$469
MetLife	$3146	$525
CSAA	$3181	$541

San Luis Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in San Luis AZ. For example, the car insurance in San Luis after a DUI increases to $1170 for a six month policy. While the rate increases by $237 for a six-month policy in the case of a speeding ticket.

San Luis auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1135	$189
One Med/PIP claim	$1135	$193
Not-at-fault accident	$1141	$190
One comp claim	$1187	$202
Two Med/PIP claims	$1187	$198
Two comp claims	$1233	$210
Failure to wear a seat belt	$1297	$216
Child safety restraint	$1348	$229
Driving without lights	$1348	$225
Failure to show documents	$1348	$229
Speeding 6 - 10 MPH over limit	$1372	$229
Driving too slowly	$1423	$242
Speeding 11 - 15 MPH over limit	$1423	$238
Speeding in school zone	$1423	$242
Driving with expired registration	$1435	$240
Speeding 16 - 20 MPH over limit	$1435	$243
Cell phone violation	$1440	$241
Failure to stop at a red light	$1440	$245
Failure to yield	$1440	$241
Following too closely	$1440	$245
Illegal turn	$1440	$241
Texting while driving	$1440	$245
Wrong way/wrong lane	$1440	$241
Improper passing	$1464	$249
Speeding 21 - 25 MPH over limit	$1481	$246
In 65 MPH zone	$1504	$256
Passing school bus	$1521	$253
At-fault accident - less than $1000	$1562	$266
Operating a vehicle without permission	$1642	$274
At-fault accident - $1000-$2000	$1688	$287
At-fault accident - greater than $2000	$1711	$285
Open container	$1797	$306
Reckless driving	$1993	$333
Driving with a suspended license	$2057	$350
DUI	$2305	$384
Refusal to submit to a chemical test	$2305	$392
Racing	$2356	$393
Leaving scene of an accident/hit and run	$2368	$403

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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 San Luis 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 San Luis.

The cheapest car insurance premiums in San Luis are offered by Mercury at $306 for a six-month policy. However, it can be as expensive as $1734 with companies like Nationwide.

San Luis car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$306	$50
Root Insurance Company	$345	$59
Country Financial	$433	$72
Farmers	$467	$80
Hartford	$541	$90
Progressive	$790	$133
Travelers	$813	$137
State Farm	$1072	$180
USAA	$1568	$264
Auto-Owners	$1861	$313
The Hartford	$2506	$418
Allstate	$2910	$490
CSAA	$3279	$546
Farm Bureau	$3428	$583
Nationwide	$1734	$295

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 San Luis are offered by AutoOwners Insurance Co at $300. However, it can be as expensive as $3261 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in San Luis after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$300	$51
Mercury	$329	$54
Country Financial	$357	$61
Root Insurance Company	$392	$65
Farmers	$404	$69
State Farm	$778	$131
Travelers	$864	$146
Progressive	$870	$146
USAA	$1233	$210
Auto-Owners	$1262	$210
Farm Bureau	$1919	$326
The Hartford	$2183	$364
Allstate	$3261	$555

Car Insurance Price Trends in San Luis, Arizona

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

The average cost of full coverage in the San Luis remained steady at $204 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the San Luis remained steady at $61 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in San Luis?

The car insurance in San Luis is $39 per month, which is lower than the national average.

What is the cheapest car insurance in San Luis?

The cheapest car insurance in San Luis is $78 per month for full coverage.

How much is car insurance in San Luis for teenagers?

Car insurance for teenagers costs $276 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 San Luis?

The average cost of car insurance is $1013 for a six-month policy. It will cost around $165 per month to insure your car in San Luis.

Is car insurance expensive in San Luis?

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

What is the best car insurance in San Luis, AZ?

The best car insurance company in San Luis AZ is Root Insurance Company, offering $455 for a six-month policy.