Cheapest Car Insurance Quotes in Sun City West

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Sun City West 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 Sun City West

The car insurance rate in Sun City West is $961 for a six-month policy, which is $28 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $483, making it a popular choice for budget-conscious drivers. Rates in Sun City West 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 West

$961

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Sun City West

1st place: Root Insurance Company

At $483 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 $637 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $666 for six months, making it the third cheapest auto insurance company in Sun City West.

Sun City West Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sun City West, AZ is Root Insurance Company, offering policies at just $483 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $637.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1120 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sun City West drivers find the best deals.

Cheap Car Insurance Companies in Sun City West, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$483	$80
Auto-Owners Insurance Co	$637	$108
Farmers	$666	$111
Mercury	$685	$116
Hartford	$716	$119
Iowa Farm Bureau	$722	$123
Travelers	$765	$129
State Farm	$961	$162
Progressive	$991	$167
USAA	$997	$168
Auto-Owners	$1071	$180
Allstate	$1151	$194
The Hartford	$1371	$229
CSAA	$2081	$353
Nationwide	$1120	$186

Key Takeaways

Way's key takeaways about car insurance in Sun City West

The auto insurance costs in Sun City West fall around $483 for six months.
The cheapest auto insurance company in Sun City West is Mercury.
Teen drivers pay the highest rate in Sun City West at $905 per month.

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Cheapest Minimum Liability Car Insurance in Sun City West

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 West are given below.

Mercury provides the cheapest minimum car insurance coverage in Sun City West. Their Average 6 Month Premium is $245. Allstate is the most expensive at $428 for the same period.

Cheapest Liability Coverage in Sun City West, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$245	$41
Travelers	$287	$48
Auto-Owners	$312	$53
Auto-Owners Insurance Co	$318	$55
Country Financial	$324	$54
USAA	$324	$55
Root Insurance Company	$331	$55
Farmers	$349	$60
Progressive	$355	$60
Iowa Farm Bureau	$367	$63
State Farm	$373	$63
Allstate	$428	$72

Cheapest Full Coverage Car Insurance in Sun City West

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 West is Root Insurance Company at $80 per month and $483 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sun City West, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$483	$80
Auto-Owners Insurance Co	$637	$108
Farmers	$666	$111
Mercury	$685	$116
Hartford	$716	$119
Iowa Farm Bureau	$722	$123
Travelers	$765	$129
State Farm	$961	$162
Progressive	$991	$167
USAA	$997	$168
Auto-Owners	$1071	$180
Allstate	$1151	$194
The Hartford	$1371	$229
CSAA	$2081	$353
Nationwide	$1120	$186

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

Despite maintaining a clean driving record, your car insurance rates in Sun City West, 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 West'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 West

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	$555
40s	USAA	$506
50s	USAA	$479
60s	USAA	$492
70s	USAA	$582

Cheapest Car Insurance Rates for Teen Drivers in Sun City West,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 West at $49 per month. At $5433 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$294	$49
Travelers	$294	$49
Root Insurance Company	$337	$58
Progressive	$349	$58
USAA	$355	$61
Country Financial	$379	$63
State Farm	$379	$64
Allstate	$428	$72
Farmers	$428	$73
Auto-Owners Insurance Co	$435	$72
Iowa Farm Bureau	$453	$77
Auto-Owners	$2570	$428
CSAA	$5433	$905

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 West.

As young drivers face the highest rates in Sun City West, USAA offers the cheapest auto insurance rates at $555 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 West, Mercury is the cheapest car insurance provider. At $281 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 West is Hartford, offering rates of around $673 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$281	$47
Travelers	$355	$61
Root Insurance Company	$422	$70
Progressive	$428	$73
Country Financial	$453	$75
Farmers	$508	$87
Nationwide	$520	$87
Allstate	$581	$99
Iowa Farm Bureau	$661	$110
Hartford	$673	$114

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Car Insurance Rates with An Accident in Sun City West

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

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

The cheapest car insurance companies after an at-fault accident in Sun City West include Root Insurance Company and Country Financial, offering $416 and $422, respectively. CSAA is an expensive provider with an average six-month premium of $3377.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$416	$69
Country Financial	$422	$72
Auto-Owners Insurance Co	$495	$82
Travelers	$495	$83
State Farm	$661	$111
Noblr	$697	$118
Root	$759	$127
USAA	$801	$135
General Casualty	$949	$158
Progressive	$955	$161
Auto-Owners	$1359	$227
Farmers	$1401	$236
Mercury	$1456	$245
Allstate	$1486	$250
Farm Bureau Mutual (IA Group)	$1505	$251
Metromile	$1713	$291
General Agents Group	$1927	$321
Country	$2037	$346
The Hartford	$2160	$359
Encompass	$2215	$377
Nationwide	$2380	$397
Safeway	$2710	$460
Permanent General	$2930	$488
MetLife	$3340	$568
CSAA	$3377	$562

Sun City West Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sun City West AZ. For example, the car insurance in Sun City West after a DUI increases to $1242 for a six month policy. While the rate increases by $251 for a six-month policy in the case of a speeding ticket.

Sun City West auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1205	$201
One Med/PIP claim	$1205	$205
Not-at-fault accident	$1211	$202
One comp claim	$1261	$214
Two Med/PIP claims	$1261	$210
Two comp claims	$1309	$222
Failure to wear a seat belt	$1377	$230
Child safety restraint	$1432	$243
Driving without lights	$1432	$239
Failure to show documents	$1432	$243
Speeding 6 - 10 MPH over limit	$1456	$243
Driving too slowly	$1511	$256
Speeding 11 - 15 MPH over limit	$1511	$252
Speeding in school zone	$1511	$256
Driving with expired registration	$1523	$254
Speeding 16 - 20 MPH over limit	$1523	$259
Cell phone violation	$1530	$255
Failure to stop at a red light	$1530	$261
Failure to yield	$1530	$255
Following too closely	$1530	$261
Illegal turn	$1530	$255
Texting while driving	$1530	$261
Wrong way/wrong lane	$1530	$255
Improper passing	$1554	$265
Speeding 21 - 25 MPH over limit	$1573	$262
In 65 MPH zone	$1597	$272
Passing school bus	$1615	$269
At-fault accident - less than $1000	$1658	$282
Operating a vehicle without permission	$1744	$290
At-fault accident - $1000-$2000	$1792	$305
At-fault accident - greater than $2000	$1817	$303
Open container	$1909	$324
Reckless driving	$2117	$353
Driving with a suspended license	$2185	$372
DUI	$2447	$408
Refusal to submit to a chemical test	$2447	$416
Racing	$2502	$417
Leaving scene of an accident/hit and run	$2514	$427

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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 West 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 West.

The cheapest car insurance premiums in Sun City West are offered by Mercury at $324 for a six-month policy. However, it can be as expensive as $1842 with companies like Nationwide.

Sun City West car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$324	$56
Root Insurance Company	$367	$61
Country Financial	$459	$78
Travelers	$562	$95
Progressive	$569	$96
Hartford	$575	$96
State Farm	$606	$102
Farmers	$924	$156
USAA	$1230	$207
Allstate	$1823	$304
Nationwide	$1842	$313

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 West are offered by AutoOwners Insurance Co at $318. However, it can be as expensive as $428 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Sun City West after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$318	$55
State Farm	$324	$54
Travelers	$324	$56
Mercury	$349	$58
Progressive	$373	$64
Country Financial	$379	$63
Root Insurance Company	$416	$71
Farmers	$428	$71

Car Insurance Price Trends in Sun City West, Arizona

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

The average cost of full coverage in the Sun City West rose by $125 in December compared to $122 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 Sun City West rose to $56 in December, compared to $54 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 West?

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

What is the cheapest car insurance in Sun City West?

The cheapest car insurance in Sun City West is $80 per month for full coverage.

How much is car insurance in Sun City West for teenagers?

Car insurance for teenagers costs $294 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 West?

The average cost of car insurance is $933 for a six-month policy. It will cost around $162 per month to insure your car in Sun City West.

Is car insurance expensive in Sun City West?

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

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

The best car insurance company in Sun City West AZ is Root Insurance Company, offering $483 for a six-month policy.