Cheapest Car Insurance Quotes in San Simon

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San Simon Car Insurance

^$ 34

/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 Simon

The car insurance rate in San Simon is $802 for a six-month policy, which is $131 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $403, making it a popular choice for budget-conscious drivers. Rates in San Simon 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 Simon

$802

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in San Simon

1st place: Root Insurance Company

At $403 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 $531 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $556 for six months, making it the third cheapest auto insurance company in San Simon.

San Simon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in San Simon, AZ is Root Insurance Company, offering policies at just $403 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $531.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $935 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help San Simon drivers find the best deals.

Cheap Car Insurance Companies in San Simon, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$403	$67
Auto-Owners Insurance Co	$531	$90
Farmers	$556	$93
Mercury	$572	$97
Hartford	$598	$100
Iowa Farm Bureau	$603	$102
Travelers	$639	$108
State Farm	$802	$135
Progressive	$827	$139
USAA	$832	$140
Auto-Owners	$894	$151
Allstate	$961	$162
The Hartford	$1145	$191
CSAA	$1737	$295
Nationwide	$935	$156

Key Takeaways

Way's key takeaways about car insurance in San Simon

The auto insurance costs in San Simon fall around $403 for six months.
The cheapest auto insurance company in San Simon is Mercury.
Teen drivers pay the highest rate in San Simon at $756 per month.

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Cheapest Minimum Liability Car Insurance in San Simon

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 Simon are given below.

Mercury provides the cheapest minimum car insurance coverage in San Simon. Their Average 6 Month Premium is $205. Allstate is the most expensive at $358 for the same period.

Cheapest Liability Coverage in San Simon, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$205	$34
Travelers	$240	$40
Auto-Owners	$261	$44
Auto-Owners Insurance Co	$266	$46
Country Financial	$271	$45
USAA	$271	$46
Root Insurance Company	$276	$46
Farmers	$292	$50
Progressive	$297	$50
Iowa Farm Bureau	$306	$52
State Farm	$311	$52
Allstate	$358	$60

Cheapest Full Coverage Car Insurance in San Simon

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 Simon is Root Insurance Company at $67 per month and $403 for six months.

Cheapest Full Coverage Car Insurance Quotes in San Simon, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$403	$67
Auto-Owners Insurance Co	$531	$90
Farmers	$556	$93
Mercury	$572	$97
Hartford	$598	$100
Iowa Farm Bureau	$603	$102
Travelers	$639	$108
State Farm	$802	$135
Progressive	$827	$139
USAA	$832	$140
Auto-Owners	$894	$151
Allstate	$961	$162
The Hartford	$1145	$191
CSAA	$1737	$295
Nationwide	$935	$156

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Average Car Insurance in San Simon 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 Simon, AZ increasing?

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

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	$464
40s	USAA	$422
50s	USAA	$400
60s	USAA	$411
70s	USAA	$486

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

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the San Simon at $41 per month. At $4537 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$245	$41
Travelers	$245	$41
Root Insurance Company	$281	$48
Progressive	$292	$48
USAA	$297	$51
Country Financial	$316	$52
State Farm	$316	$53
Allstate	$358	$60
Farmers	$358	$61
Auto-Owners Insurance Co	$363	$60
Iowa Farm Bureau	$378	$65
Auto-Owners	$2146	$358
CSAA	$4537	$756

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 Simon.

As young drivers face the highest rates in San Simon, USAA offers the cheapest auto insurance rates at $464 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 Simon, Mercury is the cheapest car insurance provider. At $235 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 Simon is Hartford, offering rates of around $562 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$235	$40
Travelers	$297	$51
Root Insurance Company	$353	$58
Progressive	$358	$61
Country Financial	$378	$63
Farmers	$424	$72
Nationwide	$434	$72
Allstate	$485	$83
Iowa Farm Bureau	$552	$92
Hartford	$562	$95

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Car Insurance Rates with An Accident in San Simon

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

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

The cheapest car insurance companies after an at-fault accident in San Simon include Root Insurance Company and Country Financial, offering $347 and $353, respectively. CSAA is an expensive provider with an average six-month premium of $2820.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$347	$58
Country Financial	$353	$60
Auto-Owners Insurance Co	$414	$69
Travelers	$414	$70
State Farm	$552	$93
Noblr	$582	$99
Root	$634	$106
USAA	$669	$113
General Casualty	$792	$132
Progressive	$797	$134
Auto-Owners	$1134	$189
Farmers	$1170	$197
Mercury	$1216	$205
Allstate	$1241	$209
Farm Bureau Mutual (IA Group)	$1256	$210
Metromile	$1430	$243
General Agents Group	$1609	$268
Country	$1701	$289
The Hartford	$1803	$300
Encompass	$1849	$315
Nationwide	$1987	$331
Safeway	$2263	$384
Permanent General	$2447	$408
MetLife	$2789	$474
CSAA	$2820	$470

San Simon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in San Simon AZ. For example, the car insurance in San Simon after a DUI increases to $1037 for a six month policy. While the rate increases by $210 for a six-month policy in the case of a speeding ticket.

San Simon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1006	$168
One Med/PIP claim	$1006	$171
Not-at-fault accident	$1011	$169
One comp claim	$1053	$179
Two Med/PIP claims	$1053	$175
Two comp claims	$1093	$186
Failure to wear a seat belt	$1150	$192
Child safety restraint	$1195	$203
Driving without lights	$1195	$200
Failure to show documents	$1195	$203
Speeding 6 - 10 MPH over limit	$1216	$203
Driving too slowly	$1262	$214
Speeding 11 - 15 MPH over limit	$1262	$211
Speeding in school zone	$1262	$214
Driving with expired registration	$1272	$212
Speeding 16 - 20 MPH over limit	$1272	$216
Cell phone violation	$1277	$213
Failure to stop at a red light	$1277	$218
Failure to yield	$1277	$213
Following too closely	$1277	$218
Illegal turn	$1277	$213
Texting while driving	$1277	$218
Wrong way/wrong lane	$1277	$213
Improper passing	$1298	$221
Speeding 21 - 25 MPH over limit	$1313	$218
In 65 MPH zone	$1333	$227
Passing school bus	$1348	$224
At-fault accident - less than $1000	$1385	$236
Operating a vehicle without permission	$1456	$243
At-fault accident - $1000-$2000	$1496	$255
At-fault accident - greater than $2000	$1517	$253
Open container	$1594	$271
Reckless driving	$1767	$295
Driving with a suspended license	$1824	$310
DUI	$2043	$341
Refusal to submit to a chemical test	$2043	$347
Racing	$2089	$348
Leaving scene of an accident/hit and run	$2099	$357

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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 Simon 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 Simon.

The cheapest car insurance premiums in San Simon are offered by Mercury at $271 for a six-month policy. However, it can be as expensive as $1538 with companies like Nationwide.

San Simon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$271	$46
Root Insurance Company	$306	$51
Country Financial	$384	$65
Travelers	$470	$79
Progressive	$475	$80
Hartford	$480	$80
State Farm	$506	$85
Farmers	$771	$130
USAA	$1027	$173
Allstate	$1522	$254
Nationwide	$1538	$261

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 Simon are offered by AutoOwners Insurance Co at $266. However, it can be as expensive as $358 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in San Simon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$266	$46
State Farm	$271	$45
Travelers	$271	$46
Mercury	$292	$48
Progressive	$311	$53
Country Financial	$316	$52
Root Insurance Company	$347	$59
Farmers	$358	$59

Car Insurance Price Trends in San Simon, Arizona

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

The average cost of full coverage in the San Simon rose by $104 in December compared to $101 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 Simon rose to $46 in December, compared to $45 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in San Simon?

The car insurance in San Simon is $34 per month, which is lower than the national average.

What is the cheapest car insurance in San Simon?

The cheapest car insurance in San Simon is $67 per month for full coverage.

How much is car insurance in San Simon for teenagers?

Car insurance for teenagers costs $245 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 Simon?

The average cost of car insurance is $933 for a six-month policy. It will cost around $135 per month to insure your car in San Simon.

Is car insurance expensive in San Simon?

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

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

The best car insurance company in San Simon AZ is Root Insurance Company, offering $403 for a six-month policy.