Cheapest Car Insurance Quotes in St. Michaels

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St. Michaels Car Insurance

^$ 35

/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 St. Michaels

The car insurance rate in St. Michaels is $891 for a six-month policy, which is $122 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $413, making it a popular choice for budget-conscious drivers. Rates in St. Michaels 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 St. Michaels

$891

Avg. Car Insurance in Arizona

$1013

National Average

$1278

Cheapest Car Insurance Companies in St. Michaels

1st place: Root Insurance Company

At $413 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 $544 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $569 for six months, making it the third cheapest auto insurance company in St. Michaels.

St. Michaels Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in St. Michaels, AZ is Root Insurance Company, offering policies at just $413 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $544.

At the higher end of the spectrum, CSAA is the most expensive, with rates reaching $1778 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help St. Michaels drivers find the best deals.

Cheap Car Insurance Companies in St. Michaels, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$413	$70
Auto-Owners Insurance Co	$544	$91
Farmers	$569	$97
Mercury	$585	$98
Hartford	$612	$104
Iowa Farm Bureau	$617	$103
Travelers	$727	$122
USAA	$852	$143
Progressive	$862	$145
State Farm	$878	$148
Auto-Owners	$988	$166
Farm Bureau	$1280	$214
Allstate	$1333	$224
The Hartford	$1333	$224
CSAA	$1778	$302

Key Takeaways

Way's key takeaways about car insurance in St. Michaels

The auto insurance costs in St. Michaels fall around $413 for six months.
The cheapest auto insurance company in St. Michaels is Mercury.
Teen drivers pay the highest rate in St. Michaels at $720 per month.

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Cheapest Minimum Liability Car Insurance in St. Michaels

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 St. Michaels are given below.

Mercury provides the cheapest minimum car insurance coverage in St. Michaels. Their Average 6 Month Premium is $209. The Hartford is the most expensive at $539 for the same period.

Cheapest Liability Coverage in St. Michaels, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$209	$35
Auto-Owners Insurance Co	$272	$47
Travelers	$272	$46
Country Financial	$277	$48
Root Insurance Company	$282	$47
USAA	$288	$48
Farmers	$298	$49
Auto-Owners	$313	$53
Iowa Farm Bureau	$313	$52
State Farm	$345	$58
Progressive	$356	$60
Allstate	$450	$76
Farm Bureau	$486	$81
The Hartford	$539	$92

Cheapest Full Coverage Car Insurance in St. Michaels

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 St. Michaels is Root Insurance Company at $70 per month and $413 for six months.

Cheapest Full Coverage Car Insurance Quotes in St. Michaels, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$413	$70
Auto-Owners Insurance Co	$544	$91
Farmers	$569	$97
Mercury	$585	$98
Hartford	$612	$104
Iowa Farm Bureau	$617	$103
Travelers	$727	$122
USAA	$852	$143
Progressive	$862	$145
State Farm	$878	$148
Auto-Owners	$988	$166
Farm Bureau	$1280	$214
Allstate	$1333	$224
The Hartford	$1333	$224
CSAA	$1778	$302

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Average Car Insurance in St. Michaels 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 St. Michaels, AZ increasing?

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

Car Insurance Premiums by Age in St. Michaels

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 St. Michaels,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the St. Michaels at $42 per month. At $4234 for a six-month premium, The Hartford offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$251	$42
Root Insurance Company	$288	$49
Country Financial	$324	$54
Farmers	$366	$62
Auto-Owners Insurance Co	$371	$62
Iowa Farm Bureau	$387	$66
Travelers	$1061	$179
USAA	$1255	$211
State Farm	$1307	$220
Progressive	$2028	$341
Allstate	$2164	$364
Farm Bureau	$3314	$563
Auto-Owners	$3340	$557
The Hartford	$4234	$720

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 St. Michaels, Mercury is the cheapest car insurance provider. At $240 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 St. Michaels is State Farm, offering rates of around $6032 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$240	$40
Root Insurance Company	$361	$62
Country Financial	$387	$64
Farmers	$434	$74
Nationwide	$444	$74
Iowa Farm Bureau	$565	$96
Hartford	$575	$96
Progressive	$910	$153
Travelers	$930	$157
Allstate	$1714	$289
USAA	$1720	$287
Farm Bureau	$2211	$376
The Hartford	$2734	$456
Auto-Owners	$3288	$559
State Farm	$6032	$1005

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Car Insurance Rates with An Accident in St. Michaels

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

Cheapest Car Insurance Companies after an At-Fault Accident in St. Michaels

The cheapest car insurance companies after an at-fault accident in St. Michaels include Root Insurance Company and Country Financial, offering $356 and $361, respectively. CSAA is an expensive provider with an average six-month premium of $2886.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$356	$59
Country Financial	$361	$62
Auto-Owners Insurance Co	$423	$70
Noblr	$596	$101
Travelers	$622	$105
Root	$649	$110
State Farm	$664	$112
General Casualty	$810	$138
USAA	$831	$140
Progressive	$951	$160
Farmers	$1197	$202
Mercury	$1244	$209
Farm Bureau Mutual (IA Group)	$1286	$215
Auto-Owners	$1385	$233
Metromile	$1463	$244
General Agents Group	$1646	$280
Country	$1741	$290
Encompass	$1892	$322
Allstate	$1913	$322
Nationwide	$2034	$346
The Hartford	$2070	$348
Safeway	$2315	$393
Farm Bureau	$2446	$407
Permanent General	$2504	$426
MetLife	$2854	$476
CSAA	$2886	$491

St. Michaels Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in St. Michaels AZ. For example, the car insurance in St. Michaels after a DUI increases to $1061 for a six month policy. While the rate increases by $214 for a six-month policy in the case of a speeding ticket.

St. Michaels auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1030	$172
One Med/PIP claim	$1030	$175
Not-at-fault accident	$1035	$172
One comp claim	$1077	$183
Two Med/PIP claims	$1077	$180
Two comp claims	$1118	$190
Failure to wear a seat belt	$1177	$196
Child safety restraint	$1223	$208
Driving without lights	$1223	$204
Failure to show documents	$1223	$208
Speeding 6 - 10 MPH over limit	$1244	$208
Driving too slowly	$1291	$219
Speeding 11 - 15 MPH over limit	$1291	$216
Speeding in school zone	$1291	$219
Driving with expired registration	$1302	$217
Speeding 16 - 20 MPH over limit	$1302	$221
Cell phone violation	$1307	$218
Failure to stop at a red light	$1307	$223
Failure to yield	$1307	$218
Following too closely	$1307	$223
Illegal turn	$1307	$218
Texting while driving	$1307	$223
Wrong way/wrong lane	$1307	$218
Improper passing	$1328	$226
Speeding 21 - 25 MPH over limit	$1344	$224
In 65 MPH zone	$1364	$232
Passing school bus	$1380	$230
At-fault accident - less than $1000	$1417	$241
Operating a vehicle without permission	$1490	$248
At-fault accident - $1000-$2000	$1531	$260
At-fault accident - greater than $2000	$1552	$259
Open container	$1631	$277
Reckless driving	$1808	$302
Driving with a suspended license	$1866	$318
DUI	$2091	$348
Refusal to submit to a chemical test	$2091	$356
Racing	$2138	$356
Leaving scene of an accident/hit and run	$2148	$365

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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 St. Michaels 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 St. Michaels.

The cheapest car insurance premiums in St. Michaels are offered by Mercury at $277 for a six-month policy. However, it can be as expensive as $1573 with companies like Nationwide.

St. Michaels car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$277	$46
Root Insurance Company	$313	$54
Country Financial	$392	$65
Farmers	$423	$72
Hartford	$491	$82
Progressive	$716	$121
Travelers	$737	$124
State Farm	$972	$164
USAA	$1422	$239
Auto-Owners	$1689	$284
The Hartford	$2274	$379
Allstate	$2640	$444
CSAA	$2974	$495
Farm Bureau	$3110	$529
Nationwide	$1573	$268

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 St. Michaels are offered by AutoOwners Insurance Co at $272. However, it can be as expensive as $2959 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in St. Michaels after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$272	$47
Mercury	$298	$49
Country Financial	$324	$55
Root Insurance Company	$356	$59
Farmers	$366	$62
State Farm	$706	$119
Travelers	$784	$132
Progressive	$789	$133
USAA	$1118	$190
Auto-Owners	$1145	$191
Farm Bureau	$1741	$296
The Hartford	$1981	$330
Allstate	$2959	$503

Car Insurance Price Trends in St. Michaels, Arizona

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

The average cost of full coverage in the St. Michaels remained steady at $185 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the St. Michaels remained steady at $55 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 St. Michaels?

The car insurance in St. Michaels is $35 per month, which is lower than the national average.

What is the cheapest car insurance in St. Michaels?

The cheapest car insurance in St. Michaels is $70 per month for full coverage.

How much is car insurance in St. Michaels for teenagers?

Car insurance for teenagers costs $251 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 St. Michaels?

The average cost of car insurance is $1013 for a six-month policy. It will cost around $150 per month to insure your car in St. Michaels.

Is car insurance expensive in St. Michaels?

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

What is the best car insurance in St. Michaels, AZ?

The best car insurance company in St. Michaels AZ is Root Insurance Company, offering $413 for a six-month policy.