Cheapest Car Insurance Quotes in San Manuel

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San Manuel Car Insurance

^$ 41

/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 Manuel

The car insurance rate in San Manuel is $952 for a six-month policy, which is $19 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $478, making it a popular choice for budget-conscious drivers. Rates in San Manuel 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 Manuel

$952

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in San Manuel

1st place: Root Insurance Company

At $478 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 $630 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $660 for six months, making it the third cheapest auto insurance company in San Manuel.

San Manuel Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in San Manuel, AZ is Root Insurance Company, offering policies at just $478 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $630.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1109 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help San Manuel drivers find the best deals.

Cheap Car Insurance Companies in San Manuel, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$478	$80
Auto-Owners Insurance Co	$630	$107
Farmers	$660	$110
Mercury	$678	$115
Hartford	$709	$118
Iowa Farm Bureau	$715	$121
Travelers	$758	$128
State Farm	$952	$160
Progressive	$981	$165
USAA	$987	$166
Auto-Owners	$1061	$179
Allstate	$1139	$192
The Hartford	$1358	$226
CSAA	$2060	$350
Nationwide	$1109	$185

Key Takeaways

Way's key takeaways about car insurance in San Manuel

The auto insurance costs in San Manuel fall around $478 for six months.
The cheapest auto insurance company in San Manuel is Mercury.
Teen drivers pay the highest rate in San Manuel at $897 per month.

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Cheapest Minimum Liability Car Insurance in San Manuel

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 Manuel are given below.

Mercury provides the cheapest minimum car insurance coverage in San Manuel. Their Average 6 Month Premium is $243. Allstate is the most expensive at $424 for the same period.

Cheapest Liability Coverage in San Manuel, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$243	$41
Travelers	$285	$48
Auto-Owners	$309	$52
Auto-Owners Insurance Co	$315	$54
Country Financial	$321	$53
USAA	$321	$54
Root Insurance Company	$327	$54
Farmers	$346	$59
Progressive	$352	$59
Iowa Farm Bureau	$363	$62
State Farm	$369	$62
Allstate	$424	$71

Cheapest Full Coverage Car Insurance in San Manuel

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 Manuel is Root Insurance Company at $80 per month and $478 for six months.

Cheapest Full Coverage Car Insurance Quotes in San Manuel, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$478	$80
Auto-Owners Insurance Co	$630	$107
Farmers	$660	$110
Mercury	$678	$115
Hartford	$709	$118
Iowa Farm Bureau	$715	$121
Travelers	$758	$128
State Farm	$952	$160
Progressive	$981	$165
USAA	$987	$166
Auto-Owners	$1061	$179
Allstate	$1139	$192
The Hartford	$1358	$226
CSAA	$2060	$350
Nationwide	$1109	$185

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Average Car Insurance in San Manuel 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 Manuel, AZ increasing?

Despite maintaining a clean driving record, your car insurance rates in San Manuel, 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 Manuel'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 Manuel

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	$550
40s	USAA	$501
50s	USAA	$474
60s	USAA	$488
70s	USAA	$576

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

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the San Manuel at $49 per month. At $5381 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$291	$49
Travelers	$291	$49
Root Insurance Company	$334	$57
Progressive	$346	$57
USAA	$352	$60
Country Financial	$375	$62
State Farm	$375	$63
Allstate	$424	$71
Farmers	$424	$72
Auto-Owners Insurance Co	$430	$71
Iowa Farm Bureau	$449	$77
Auto-Owners	$2545	$424
CSAA	$5381	$897

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 San Manuel.

As young drivers face the highest rates in San Manuel, USAA offers the cheapest auto insurance rates at $550 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 San Manuel, Mercury is the cheapest car insurance provider. At $278 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 Manuel is Hartford, offering rates of around $666 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$278	$47
Travelers	$352	$60
Root Insurance Company	$418	$69
Progressive	$424	$72
Country Financial	$449	$74
Farmers	$503	$86
Nationwide	$515	$86
Allstate	$575	$98
Iowa Farm Bureau	$655	$109
Hartford	$666	$113

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Car Insurance Rates with An Accident in San Manuel

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

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

The cheapest car insurance companies after an at-fault accident in San Manuel include Root Insurance Company and Country Financial, offering $412 and $418, respectively. CSAA is an expensive provider with an average six-month premium of $3345.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$412	$68
Country Financial	$418	$71
Auto-Owners Insurance Co	$491	$82
Travelers	$491	$83
State Farm	$655	$110
Noblr	$691	$117
Root	$752	$125
USAA	$794	$134
General Casualty	$939	$156
Progressive	$946	$159
Auto-Owners	$1345	$224
Farmers	$1387	$234
Mercury	$1442	$243
Allstate	$1472	$248
Farm Bureau Mutual (IA Group)	$1490	$249
Metromile	$1696	$289
General Agents Group	$1908	$318
Country	$2018	$343
The Hartford	$2139	$356
Encompass	$2193	$373
Nationwide	$2357	$393
Safeway	$2684	$456
Permanent General	$2902	$483
MetLife	$3308	$562
CSAA	$3345	$557

San Manuel Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in San Manuel AZ. For example, the car insurance in San Manuel after a DUI increases to $1231 for a six month policy. While the rate increases by $249 for a six-month policy in the case of a speeding ticket.

San Manuel auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1193	$199
One Med/PIP claim	$1193	$203
Not-at-fault accident	$1200	$200
One comp claim	$1248	$212
Two Med/PIP claims	$1248	$208
Two comp claims	$1296	$220
Failure to wear a seat belt	$1364	$227
Child safety restraint	$1418	$241
Driving without lights	$1418	$237
Failure to show documents	$1418	$241
Speeding 6 - 10 MPH over limit	$1442	$241
Driving too slowly	$1496	$254
Speeding 11 - 15 MPH over limit	$1496	$250
Speeding in school zone	$1496	$254
Driving with expired registration	$1509	$252
Speeding 16 - 20 MPH over limit	$1509	$256
Cell phone violation	$1515	$253
Failure to stop at a red light	$1515	$258
Failure to yield	$1515	$253
Following too closely	$1515	$258
Illegal turn	$1515	$253
Texting while driving	$1515	$258
Wrong way/wrong lane	$1515	$253
Improper passing	$1539	$262
Speeding 21 - 25 MPH over limit	$1558	$259
In 65 MPH zone	$1581	$269
Passing school bus	$1599	$266
At-fault accident - less than $1000	$1642	$279
Operating a vehicle without permission	$1727	$288
At-fault accident - $1000-$2000	$1775	$302
At-fault accident - greater than $2000	$1799	$300
Open container	$1890	$321
Reckless driving	$2096	$350
Driving with a suspended license	$2163	$368
DUI	$2424	$404
Refusal to submit to a chemical test	$2424	$412
Racing	$2478	$413
Leaving scene of an accident/hit and run	$2490	$423

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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 Manuel 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 Manuel.

The cheapest car insurance premiums in San Manuel are offered by Mercury at $321 for a six-month policy. However, it can be as expensive as $1824 with companies like Nationwide.

San Manuel car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$321	$55
Root Insurance Company	$363	$60
Country Financial	$455	$78
Travelers	$557	$94
Progressive	$563	$95
Hartford	$569	$95
State Farm	$600	$101
Farmers	$915	$154
USAA	$1218	$205
Allstate	$1805	$301
Nationwide	$1824	$310

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 Manuel are offered by AutoOwners Insurance Co at $315. However, it can be as expensive as $424 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in San Manuel after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$315	$54
State Farm	$321	$53
Travelers	$321	$55
Mercury	$346	$57
Progressive	$369	$63
Country Financial	$375	$62
Root Insurance Company	$412	$70
Farmers	$424	$70

Car Insurance Price Trends in San Manuel, Arizona

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

The average cost of full coverage in the San Manuel rose by $123 in December compared to $120 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 San Manuel rose to $55 in December, compared to $53 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 San Manuel?

The car insurance in San Manuel is $41 per month, which is lower than the national average.

What is the cheapest car insurance in San Manuel?

The cheapest car insurance in San Manuel is $80 per month for full coverage.

How much is car insurance in San Manuel for teenagers?

Car insurance for teenagers costs $291 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 Manuel?

The average cost of car insurance is $933 for a six-month policy. It will cost around $160 per month to insure your car in San Manuel.

Is car insurance expensive in San Manuel?

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

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

The best car insurance company in San Manuel AZ is Root Insurance Company, offering $478 for a six-month policy.