Cheapest Car Insurance Quotes in Shonto

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406,175 Policies Sold

Shonto 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 Shonto

The car insurance rate in Shonto is $1037 for a six-month policy, which is $20 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 Shonto 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 Shonto

$1037

Avg. Car Insurance in Arizona

$1017

National Average

$1278

Cheapest Car Insurance Companies in Shonto

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 Shonto.

Shonto Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Shonto, 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 Shonto drivers find the best deals.

Cheap Car Insurance Companies in Shonto, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$478	$82
Auto-Owners Insurance Co	$630	$105
Farmers	$660	$112
Mercury	$678	$113
Hartford	$709	$120
Iowa Farm Bureau	$715	$119
Travelers	$843	$142
USAA	$987	$166
Progressive	$1000	$168
State Farm	$1018	$171
Auto-Owners	$1145	$193
Farm Bureau	$1484	$248
Allstate	$1545	$260
The Hartford	$1545	$260
CSAA	$2060	$350
Nationwide	$1109	$185

Key Takeaways

Way's key takeaways about car insurance in Shonto

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

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Cheapest Minimum Liability Car Insurance in Shonto

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 Shonto are given below.

Mercury provides the cheapest minimum car insurance coverage in Shonto. Their Average 6 Month Premium is $243. The Hartford is the most expensive at $624 for the same period.

Cheapest Liability Coverage in Shonto, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$243	$41
Auto-Owners Insurance Co	$315	$54
Travelers	$315	$53
Country Financial	$321	$55
Root Insurance Company	$327	$54
USAA	$334	$56
Farmers	$346	$57
Auto-Owners	$363	$61
Iowa Farm Bureau	$363	$60
State Farm	$400	$67
Progressive	$412	$69
Allstate	$521	$88
Farm Bureau	$563	$94
The Hartford	$624	$106

Cheapest Full Coverage Car Insurance in Shonto

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 Shonto is Root Insurance Company at $82 per month and $478 for six months.

Cheapest Full Coverage Car Insurance Quotes in Shonto, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$478	$82
Auto-Owners Insurance Co	$630	$105
Farmers	$660	$112
Mercury	$678	$113
Hartford	$709	$120
Iowa Farm Bureau	$715	$119
Travelers	$843	$142
USAA	$987	$166
Progressive	$1000	$168
State Farm	$1018	$171
Auto-Owners	$1145	$193
Farm Bureau	$1484	$248
Allstate	$1545	$260
The Hartford	$1545	$260
CSAA	$2060	$350
Nationwide	$1109	$185

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Average Car Insurance in Shonto 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 Shonto, AZ increasing?

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

Car Insurance Premiums by Age in Shonto

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 Shonto,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Shonto 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
Root Insurance Company	$334	$57
Country Financial	$375	$62
Farmers	$424	$72
Auto-Owners Insurance Co	$430	$71
Iowa Farm Bureau	$449	$77
Travelers	$1230	$207
USAA	$1455	$245
State Farm	$1515	$255
Progressive	$2351	$396
Allstate	$2508	$422
Farm Bureau	$3841	$653
Auto-Owners	$3872	$646
The Hartford	$4907	$834
CSAA	$5381	$897

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 Shonto, 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 Shonto is State Farm, offering rates of around $6992 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$278	$47
Root Insurance Company	$418	$71
Country Financial	$449	$74
Farmers	$503	$86
Nationwide	$515	$86
Iowa Farm Bureau	$655	$111
Hartford	$666	$111
Progressive	$1055	$177
Travelers	$1078	$182
Allstate	$1987	$335
USAA	$1993	$333
Farm Bureau	$2563	$436
The Hartford	$3169	$528
Auto-Owners	$3811	$648
State Farm	$6992	$1165

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Car Insurance Rates with An Accident in Shonto

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

Cheapest Car Insurance Companies after an At-Fault Accident in Shonto

The cheapest car insurance companies after an at-fault accident in Shonto 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
Noblr	$691	$117
Travelers	$721	$121
Root	$752	$128
State Farm	$769	$130
General Casualty	$939	$160
USAA	$963	$162
Progressive	$1103	$186
Farmers	$1387	$234
Mercury	$1442	$243
Farm Bureau Mutual (IA Group)	$1490	$249
Auto-Owners	$1605	$270
Metromile	$1696	$283
General Agents Group	$1908	$324
Country	$2018	$337
Encompass	$2193	$373
Allstate	$2217	$373
Nationwide	$2357	$401
The Hartford	$2399	$404
Safeway	$2684	$456
Farm Bureau	$2836	$472
Permanent General	$2902	$494
MetLife	$3308	$552
CSAA	$3345	$569

Shonto Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Shonto AZ. For example, the car insurance in Shonto 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.

Shonto 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 Shonto 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 Shonto.

The cheapest car insurance premiums in Shonto are offered by Mercury at $321 for a six-month policy. However, it can be as expensive as $3605 with companies like Farm Bureau.

Shonto car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$321	$53
Root Insurance Company	$363	$62
Country Financial	$455	$75
Hartford	$569	$97
Progressive	$763	$129
Travelers	$849	$143
Farmers	$915	$154
State Farm	$1042	$175
USAA	$1472	$248
Nationwide	$1824	$310
Auto-Owners	$2399	$400
The Hartford	$2636	$448
Allstate	$2793	$470
Farm Bureau	$3605	$613

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 Shonto are offered by AutoOwners Insurance Co at $315. However, it can be as expensive as $3429 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Shonto after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$315	$54
Mercury	$346	$57
Country Financial	$375	$64
Root Insurance Company	$412	$68
Farmers	$424	$72
State Farm	$818	$138
Travelers	$909	$153
Progressive	$915	$154
USAA	$1296	$220
Auto-Owners	$1327	$221
Farm Bureau	$2018	$343
The Hartford	$2296	$383
Allstate	$3429	$583

Car Insurance Price Trends in Shonto, Arizona

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

The average cost of full coverage in the Shonto rose by $214 in January compared to $123 of December. In other words, there has been an increase by $91 when you compare January and December.

The average cost of liability insurance in the Shonto rose to $64 in January, compared to $55 in December. This represents an increase of $9 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Shonto?

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

What is the cheapest car insurance in Shonto?

The cheapest car insurance in Shonto is $82 per month for full coverage.

How much is car insurance in Shonto 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 Shonto?

The average cost of car insurance is $1017 for a six-month policy. It will cost around $174 per month to insure your car in Shonto.

Is car insurance expensive in Shonto?

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

What is the best car insurance in Shonto, AZ?

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