Cheapest Car Insurance Quotes in Sun Lakes

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Sun Lakes Car Insurance

^$ 43

/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 Lakes

The car insurance rate in Sun Lakes is $1098 for a six-month policy, which is $81 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $507, making it a popular choice for budget-conscious drivers. Rates in Sun Lakes 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 Lakes

$1098

Avg. Car Insurance in Arizona

$1017

National Average

$1278

Cheapest Car Insurance Companies in Sun Lakes

1st place: Root Insurance Company

At $507 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 $667 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $699 for six months, making it the third cheapest auto insurance company in Sun Lakes.

Sun Lakes Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sun Lakes, AZ is Root Insurance Company, offering policies at just $507 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $667.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1174 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sun Lakes drivers find the best deals.

Cheap Car Insurance Companies in Sun Lakes, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$507	$86
Auto-Owners Insurance Co	$667	$111
Farmers	$699	$119
Mercury	$718	$120
Hartford	$751	$127
Iowa Farm Bureau	$757	$126
Travelers	$892	$150
USAA	$1045	$176
Progressive	$1058	$178
State Farm	$1078	$181
Auto-Owners	$1213	$204
Farm Bureau	$1571	$262
Allstate	$1636	$275
The Hartford	$1636	$275
CSAA	$2182	$370
Nationwide	$1174	$195

Key Takeaways

Way's key takeaways about car insurance in Sun Lakes

The auto insurance costs in Sun Lakes fall around $507 for six months.
The cheapest auto insurance company in Sun Lakes is Mercury.
Teen drivers pay the highest rate in Sun Lakes at $949 per month.

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Cheapest Minimum Liability Car Insurance in Sun Lakes

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 Lakes are given below.

Mercury provides the cheapest minimum car insurance coverage in Sun Lakes. Their Average 6 Month Premium is $257. The Hartford is the most expensive at $661 for the same period.

Cheapest Liability Coverage in Sun Lakes, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$257	$43
Auto-Owners Insurance Co	$334	$57
Travelers	$334	$56
Country Financial	$340	$58
Root Insurance Company	$347	$57
USAA	$353	$59
Farmers	$366	$60
Auto-Owners	$384	$65
Iowa Farm Bureau	$384	$64
State Farm	$423	$71
Progressive	$436	$73
Allstate	$552	$93
Farm Bureau	$596	$99
The Hartford	$661	$112

Cheapest Full Coverage Car Insurance in Sun Lakes

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 Lakes is Root Insurance Company at $86 per month and $507 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sun Lakes, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$507	$86
Auto-Owners Insurance Co	$667	$111
Farmers	$699	$119
Mercury	$718	$120
Hartford	$751	$127
Iowa Farm Bureau	$757	$126
Travelers	$892	$150
USAA	$1045	$176
Progressive	$1058	$178
State Farm	$1078	$181
Auto-Owners	$1213	$204
Farm Bureau	$1571	$262
Allstate	$1636	$275
The Hartford	$1636	$275
CSAA	$2182	$370
Nationwide	$1174	$195

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Average Car Insurance in Sun Lakes 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 Lakes, AZ increasing?

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

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 Sun Lakes,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Sun Lakes at $52 per month. At $5697 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$308	$52
Root Insurance Company	$353	$60
Country Financial	$397	$66
Farmers	$449	$77
Auto-Owners Insurance Co	$456	$76
Iowa Farm Bureau	$475	$81
Travelers	$1302	$219
USAA	$1540	$259
State Farm	$1604	$270
Progressive	$2489	$419
Allstate	$2656	$447
Farm Bureau	$4067	$691
Auto-Owners	$4100	$684
The Hartford	$5196	$883
CSAA	$5697	$949

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 Sun Lakes, Mercury is the cheapest car insurance provider. At $295 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 Lakes is State Farm, offering rates of around $7403 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$295	$50
Root Insurance Company	$443	$76
Country Financial	$475	$79
Farmers	$532	$91
Nationwide	$545	$91
Iowa Farm Bureau	$693	$118
Hartford	$705	$118
Progressive	$1117	$188
Travelers	$1142	$192
Allstate	$2104	$354
USAA	$2110	$352
Farm Bureau	$2714	$461
The Hartford	$3356	$559
Auto-Owners	$4035	$686
State Farm	$7403	$1233

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Car Insurance Rates with An Accident in Sun Lakes

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

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

The cheapest car insurance companies after an at-fault accident in Sun Lakes include Root Insurance Company and Country Financial, offering $436 and $443, respectively. CSAA is an expensive provider with an average six-month premium of $3541.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$436	$72
Country Financial	$443	$76
Auto-Owners Insurance Co	$519	$86
Noblr	$731	$124
Travelers	$764	$129
Root	$796	$135
State Farm	$814	$137
General Casualty	$995	$170
USAA	$1020	$172
Progressive	$1167	$197
Farmers	$1469	$247
Mercury	$1527	$257
Farm Bureau Mutual (IA Group)	$1578	$264
Auto-Owners	$1700	$286
Metromile	$1796	$299
General Agents Group	$2021	$343
Country	$2136	$356
Encompass	$2322	$395
Allstate	$2348	$395
Nationwide	$2496	$424
The Hartford	$2540	$428
Safeway	$2841	$483
Farm Bureau	$3002	$500
Permanent General	$3073	$523
MetLife	$3502	$584
CSAA	$3541	$603

Sun Lakes Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sun Lakes AZ. For example, the car insurance in Sun Lakes after a DUI increases to $1302 for a six month policy. While the rate increases by $263 for a six-month policy in the case of a speeding ticket.

Sun Lakes auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1264	$211
One Med/PIP claim	$1264	$215
Not-at-fault accident	$1270	$212
One comp claim	$1322	$225
Two Med/PIP claims	$1322	$220
Two comp claims	$1373	$233
Failure to wear a seat belt	$1444	$241
Child safety restraint	$1501	$255
Driving without lights	$1501	$251
Failure to show documents	$1501	$255
Speeding 6 - 10 MPH over limit	$1527	$255
Driving too slowly	$1584	$269
Speeding 11 - 15 MPH over limit	$1584	$265
Speeding in school zone	$1584	$269
Driving with expired registration	$1597	$267
Speeding 16 - 20 MPH over limit	$1597	$271
Cell phone violation	$1604	$268
Failure to stop at a red light	$1604	$273
Failure to yield	$1604	$268
Following too closely	$1604	$273
Illegal turn	$1604	$268
Texting while driving	$1604	$273
Wrong way/wrong lane	$1604	$268
Improper passing	$1630	$278
Speeding 21 - 25 MPH over limit	$1649	$274
In 65 MPH zone	$1674	$285
Passing school bus	$1693	$282
At-fault accident - less than $1000	$1739	$296
Operating a vehicle without permission	$1828	$305
At-fault accident - $1000-$2000	$1879	$320
At-fault accident - greater than $2000	$1905	$318
Open container	$2001	$340
Reckless driving	$2219	$370
Driving with a suspended license	$2291	$390
DUI	$2566	$428
Refusal to submit to a chemical test	$2566	$436
Racing	$2623	$437
Leaving scene of an accident/hit and run	$2636	$448

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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 Lakes 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 Lakes.

The cheapest car insurance premiums in Sun Lakes are offered by Mercury at $340 for a six-month policy. However, it can be as expensive as $3817 with companies like Farm Bureau.

Sun Lakes car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$340	$56
Root Insurance Company	$384	$66
Country Financial	$482	$80
Hartford	$603	$103
Progressive	$808	$136
Travelers	$899	$151
Farmers	$969	$163
State Farm	$1104	$186
USAA	$1558	$262
Nationwide	$1931	$328
Auto-Owners	$2540	$423
The Hartford	$2791	$474
Allstate	$2957	$498
Farm Bureau	$3817	$649

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 Lakes are offered by AutoOwners Insurance Co at $334. However, it can be as expensive as $3631 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Sun Lakes after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$334	$57
Mercury	$366	$60
Country Financial	$397	$68
Root Insurance Company	$436	$72
Farmers	$449	$77
State Farm	$866	$146
Travelers	$962	$162
Progressive	$969	$163
USAA	$1373	$233
Auto-Owners	$1405	$234
Farm Bureau	$2136	$363
The Hartford	$2431	$405
Allstate	$3631	$618

Car Insurance Price Trends in Sun Lakes, Arizona

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

The average cost of full coverage in the Sun Lakes rose by $227 in January compared to $131 of December. In other words, there has been an increase by $96 when you compare January and December.

The average cost of liability insurance in the Sun Lakes rose to $68 in January, compared to $58 in December. This represents an increase of $10 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Sun Lakes?

The car insurance in Sun Lakes is $43 per month, which is lower than the national average.

What is the cheapest car insurance in Sun Lakes?

The cheapest car insurance in Sun Lakes is $86 per month for full coverage.

How much is car insurance in Sun Lakes for teenagers?

Car insurance for teenagers costs $308 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 Lakes?

The average cost of car insurance is $1017 for a six-month policy. It will cost around $185 per month to insure your car in Sun Lakes.

Is car insurance expensive in Sun Lakes?

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

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

The best car insurance company in Sun Lakes AZ is Root Insurance Company, offering $507 for a six-month policy.