Cheapest Car Insurance Quotes in Sun City

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Sun City Car Insurance

^$ 45

/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 Sun City

The car insurance rate in Sun City is $1054 for a six-month policy, which is $121 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $530, making it a popular choice for budget-conscious drivers. Rates in Sun City 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 Sun City

$1054

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Sun City

1st place: Root Insurance Company

At $530 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 $698 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $731 for six months, making it the third cheapest auto insurance company in Sun City.

Sun City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sun City, AZ is Root Insurance Company, offering policies at just $530 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $698.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1228 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sun City drivers find the best deals.

Cheap Car Insurance Companies in Sun City, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$530	$88
Auto-Owners Insurance Co	$698	$119
Farmers	$731	$122
Mercury	$751	$128
Hartford	$785	$131
Iowa Farm Bureau	$792	$134
Travelers	$840	$141
State Farm	$1054	$177
Progressive	$1087	$183
USAA	$1094	$184
Auto-Owners	$1175	$198
Allstate	$1262	$212
The Hartford	$1504	$251
CSAA	$2283	$388
Nationwide	$1228	$205

Key Takeaways

Way's key takeaways about car insurance in Sun City

The auto insurance costs in Sun City fall around $530 for six months.
The cheapest auto insurance company in Sun City is Mercury.
Teen drivers pay the highest rate in Sun City at $993 per month.

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Cheapest Minimum Liability Car Insurance in Sun City

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 Sun City are given below.

Mercury provides the cheapest minimum car insurance coverage in Sun City. Their Average 6 Month Premium is $269. Allstate is the most expensive at $470 for the same period.

Cheapest Liability Coverage in Sun City, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$269	$45
Travelers	$315	$53
Auto-Owners	$342	$58
Auto-Owners Insurance Co	$349	$60
Country Financial	$356	$59
USAA	$356	$60
Root Insurance Company	$363	$60
Farmers	$383	$66
Progressive	$390	$66
Iowa Farm Bureau	$402	$69
State Farm	$409	$69
Allstate	$470	$79

Cheapest Full Coverage Car Insurance in Sun City

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 Sun City is Root Insurance Company at $88 per month and $530 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sun City, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$530	$88
Auto-Owners Insurance Co	$698	$119
Farmers	$731	$122
Mercury	$751	$128
Hartford	$785	$131
Iowa Farm Bureau	$792	$134
Travelers	$840	$141
State Farm	$1054	$177
Progressive	$1087	$183
USAA	$1094	$184
Auto-Owners	$1175	$198
Allstate	$1262	$212
The Hartford	$1504	$251
CSAA	$2283	$388
Nationwide	$1228	$205

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Average Car Insurance in Sun City 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 Sun City, AZ increasing?

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

Car Insurance Premiums by Age in Sun City

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	$609
40s	USAA	$555
50s	USAA	$525
60s	USAA	$540
70s	USAA	$638

Cheapest Car Insurance Rates for Teen Drivers in Sun City,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Sun City at $54 per month. At $5961 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$322	$54
Travelers	$322	$54
Root Insurance Company	$370	$63
Progressive	$383	$63
USAA	$390	$67
Country Financial	$416	$69
State Farm	$416	$70
Allstate	$470	$79
Farmers	$470	$80
Auto-Owners Insurance Co	$477	$79
Iowa Farm Bureau	$497	$85
Auto-Owners	$2819	$470
CSAA	$5961	$993

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 Sun City.

As young drivers face the highest rates in Sun City, USAA offers the cheapest auto insurance rates at $609 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 Sun City, Mercury is the cheapest car insurance provider. At $308 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 Sun City is Hartford, offering rates of around $738 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$308	$52
Travelers	$390	$67
Root Insurance Company	$463	$77
Progressive	$470	$80
Country Financial	$497	$82
Farmers	$557	$95
Nationwide	$571	$95
Allstate	$637	$108
Iowa Farm Bureau	$725	$121
Hartford	$738	$125

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Car Insurance Rates with An Accident in Sun City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Sun City

The cheapest car insurance companies after an at-fault accident in Sun City include Root Insurance Company and Country Financial, offering $457 and $463, respectively. CSAA is an expensive provider with an average six-month premium of $3705.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$457	$76
Country Financial	$463	$79
Auto-Owners Insurance Co	$544	$90
Travelers	$544	$92
State Farm	$725	$122
Noblr	$765	$130
Root	$833	$139
USAA	$879	$148
General Casualty	$1041	$173
Progressive	$1048	$176
Auto-Owners	$1490	$249
Farmers	$1537	$259
Mercury	$1598	$269
Allstate	$1631	$275
Farm Bureau Mutual (IA Group)	$1651	$276
Metromile	$1879	$320
General Agents Group	$2114	$353
Country	$2235	$380
The Hartford	$2370	$394
Encompass	$2429	$414
Nationwide	$2611	$435
Safeway	$2973	$505
Permanent General	$3215	$536
MetLife	$3665	$623
CSAA	$3705	$617

Sun City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sun City AZ. For example, the car insurance in Sun City after a DUI increases to $1363 for a six month policy. While the rate increases by $276 for a six-month policy in the case of a speeding ticket.

Sun City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1322	$220
One Med/PIP claim	$1322	$225
Not-at-fault accident	$1329	$221
One comp claim	$1383	$235
Two Med/PIP claims	$1383	$231
Two comp claims	$1436	$244
Failure to wear a seat belt	$1511	$252
Child safety restraint	$1571	$267
Driving without lights	$1571	$262
Failure to show documents	$1571	$267
Speeding 6 - 10 MPH over limit	$1598	$267
Driving too slowly	$1658	$281
Speeding 11 - 15 MPH over limit	$1658	$277
Speeding in school zone	$1658	$281
Driving with expired registration	$1671	$279
Speeding 16 - 20 MPH over limit	$1671	$284
Cell phone violation	$1678	$280
Failure to stop at a red light	$1678	$286
Failure to yield	$1678	$280
Following too closely	$1678	$286
Illegal turn	$1678	$280
Texting while driving	$1678	$286
Wrong way/wrong lane	$1678	$280
Improper passing	$1705	$290
Speeding 21 - 25 MPH over limit	$1726	$287
In 65 MPH zone	$1751	$298
Passing school bus	$1772	$295
At-fault accident - less than $1000	$1819	$310
Operating a vehicle without permission	$1913	$319
At-fault accident - $1000-$2000	$1966	$334
At-fault accident - greater than $2000	$1993	$332
Open container	$2094	$356
Reckless driving	$2322	$388
Driving with a suspended license	$2397	$408
DUI	$2685	$447
Refusal to submit to a chemical test	$2685	$457
Racing	$2745	$458
Leaving scene of an accident/hit and run	$2758	$469

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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 Sun City 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 Sun City.

The cheapest car insurance premiums in Sun City are offered by Mercury at $356 for a six-month policy. However, it can be as expensive as $2020 with companies like Nationwide.

Sun City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$356	$61
Root Insurance Company	$402	$67
Country Financial	$504	$86
Travelers	$617	$104
Progressive	$624	$105
Hartford	$631	$105
State Farm	$664	$112
Farmers	$1014	$171
USAA	$1349	$227
Allstate	$2000	$333
Nationwide	$2020	$344

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 Sun City are offered by AutoOwners Insurance Co at $349. However, it can be as expensive as $470 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Sun City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$349	$60
State Farm	$356	$59
Travelers	$356	$61
Mercury	$383	$63
Progressive	$409	$70
Country Financial	$416	$69
Root Insurance Company	$457	$78
Farmers	$470	$78

Car Insurance Price Trends in Sun City, Arizona

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

The average cost of full coverage in the Sun City rose by $137 in December compared to $133 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Sun City rose to $61 in December, compared to $59 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 Sun City?

The car insurance in Sun City is $45 per month, which is lower than the national average.

What is the cheapest car insurance in Sun City?

The cheapest car insurance in Sun City is $88 per month for full coverage.

How much is car insurance in Sun City for teenagers?

Car insurance for teenagers costs $322 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 Sun City?

The average cost of car insurance is $933 for a six-month policy. It will cost around $177 per month to insure your car in Sun City.

Is car insurance expensive in Sun City?

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

What is the best car insurance in Sun City, AZ?

The best car insurance company in Sun City AZ is Root Insurance Company, offering $530 for a six-month policy.