Cheapest Car Insurance Quotes in Tolleson

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Tolleson Car Insurance

^$ 54

/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 Tolleson

The car insurance rate in Tolleson is $1363 for a six-month policy, which is $346 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $628, making it a popular choice for budget-conscious drivers. Rates in Tolleson 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 Tolleson

$1363

Avg. Car Insurance in Arizona

$1017

National Average

$1278

Cheapest Car Insurance Companies in Tolleson

1st place: Root Insurance Company

At $628 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 $828 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $867 for six months, making it the third cheapest auto insurance company in Tolleson.

Tolleson Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Tolleson, AZ is Root Insurance Company, offering policies at just $628 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $828.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1457 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Tolleson drivers find the best deals.

Cheap Car Insurance Companies in Tolleson, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$628	$107
Auto-Owners Insurance Co	$828	$138
Farmers	$867	$147
Mercury	$891	$149
Hartford	$931	$158
Iowa Farm Bureau	$939	$157
Travelers	$1107	$186
USAA	$1297	$218
Progressive	$1313	$221
State Farm	$1337	$225
Auto-Owners	$1505	$253
Farm Bureau	$1950	$326
Allstate	$2030	$342
The Hartford	$2030	$342
CSAA	$2707	$460
Nationwide	$1457	$243

Key Takeaways

Way's key takeaways about car insurance in Tolleson

The auto insurance costs in Tolleson fall around $628 for six months.
The cheapest auto insurance company in Tolleson is Mercury.
Teen drivers pay the highest rate in Tolleson at $1178 per month.

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Cheapest Minimum Liability Car Insurance in Tolleson

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 Tolleson are given below.

Mercury provides the cheapest minimum car insurance coverage in Tolleson. Their Average 6 Month Premium is $319. The Hartford is the most expensive at $820 for the same period.

Cheapest Liability Coverage in Tolleson, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$319	$54
Auto-Owners Insurance Co	$414	$71
Travelers	$414	$70
Country Financial	$422	$72
Root Insurance Company	$430	$71
USAA	$438	$74
Farmers	$454	$75
Auto-Owners	$477	$80
Iowa Farm Bureau	$477	$79
State Farm	$525	$88
Progressive	$541	$91
Allstate	$685	$115
Farm Bureau	$740	$123
The Hartford	$820	$139

Cheapest Full Coverage Car Insurance in Tolleson

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 Tolleson is Root Insurance Company at $107 per month and $628 for six months.

Cheapest Full Coverage Car Insurance Quotes in Tolleson, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$628	$107
Auto-Owners Insurance Co	$828	$138
Farmers	$867	$147
Mercury	$891	$149
Hartford	$931	$158
Iowa Farm Bureau	$939	$157
Travelers	$1107	$186
USAA	$1297	$218
Progressive	$1313	$221
State Farm	$1337	$225
Auto-Owners	$1505	$253
Farm Bureau	$1950	$326
Allstate	$2030	$342
The Hartford	$2030	$342
CSAA	$2707	$460
Nationwide	$1457	$243

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Average Car Insurance in Tolleson 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 Tolleson, AZ increasing?

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

Car Insurance Premiums by Age in Tolleson

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 Tolleson,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Tolleson at $64 per month. At $7069 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$382	$64
Root Insurance Company	$438	$75
Country Financial	$493	$82
Farmers	$557	$95
Auto-Owners Insurance Co	$565	$94
Iowa Farm Bureau	$590	$101
Travelers	$1616	$272
USAA	$1911	$322
State Farm	$1990	$335
Progressive	$3089	$520
Allstate	$3295	$555
Farm Bureau	$5046	$858
Auto-Owners	$5087	$848
The Hartford	$6447	$1096
CSAA	$7069	$1178

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 Tolleson, Mercury is the cheapest car insurance provider. At $366 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 Tolleson is State Farm, offering rates of around $9186 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$366	$62
Root Insurance Company	$549	$94
Country Financial	$590	$98
Farmers	$661	$113
Nationwide	$677	$113
Iowa Farm Bureau	$860	$146
Hartford	$875	$146
Progressive	$1386	$233
Travelers	$1416	$239
Allstate	$2610	$440
USAA	$2618	$437
Farm Bureau	$3367	$572
The Hartford	$4163	$694
Auto-Owners	$5006	$851
State Farm	$9186	$1530

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Car Insurance Rates with An Accident in Tolleson

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

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

The cheapest car insurance companies after an at-fault accident in Tolleson include Root Insurance Company and Country Financial, offering $541 and $549, respectively. CSAA is an expensive provider with an average six-month premium of $4394.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$541	$90
Country Financial	$549	$94
Auto-Owners Insurance Co	$645	$107
Noblr	$907	$154
Travelers	$947	$159
Root	$988	$168
State Farm	$1010	$170
General Casualty	$1234	$210
USAA	$1265	$213
Progressive	$1449	$244
Farmers	$1822	$307
Mercury	$1895	$319
Farm Bureau Mutual (IA Group)	$1958	$327
Auto-Owners	$2109	$355
Metromile	$2228	$371
General Agents Group	$2507	$426
Country	$2651	$442
Encompass	$2881	$490
Allstate	$2913	$490
Nationwide	$3097	$527
The Hartford	$3152	$531
Safeway	$3526	$599
Farm Bureau	$3725	$620
Permanent General	$3812	$649
MetLife	$4346	$725
CSAA	$4394	$748

Tolleson Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Tolleson AZ. For example, the car insurance in Tolleson after a DUI increases to $1616 for a six month policy. While the rate increases by $327 for a six-month policy in the case of a speeding ticket.

Tolleson auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1568	$261
One Med/PIP claim	$1568	$267
Not-at-fault accident	$1576	$263
One comp claim	$1640	$279
Two Med/PIP claims	$1640	$273
Two comp claims	$1703	$289
Failure to wear a seat belt	$1792	$299
Child safety restraint	$1863	$316
Driving without lights	$1863	$311
Failure to show documents	$1863	$316
Speeding 6 - 10 MPH over limit	$1895	$316
Driving too slowly	$1966	$334
Speeding 11 - 15 MPH over limit	$1966	$328
Speeding in school zone	$1966	$334
Driving with expired registration	$1982	$331
Speeding 16 - 20 MPH over limit	$1982	$336
Cell phone violation	$1990	$332
Failure to stop at a red light	$1990	$339
Failure to yield	$1990	$332
Following too closely	$1990	$339
Illegal turn	$1990	$332
Texting while driving	$1990	$339
Wrong way/wrong lane	$1990	$332
Improper passing	$2022	$344
Speeding 21 - 25 MPH over limit	$2046	$340
In 65 MPH zone	$2077	$354
Passing school bus	$2101	$350
At-fault accident - less than $1000	$2157	$367
Operating a vehicle without permission	$2269	$378
At-fault accident - $1000-$2000	$2332	$397
At-fault accident - greater than $2000	$2364	$394
Open container	$2483	$422
Reckless driving	$2754	$460
Driving with a suspended license	$2842	$484
DUI	$3184	$531
Refusal to submit to a chemical test	$3184	$541
Racing	$3255	$543
Leaving scene of an accident/hit and run	$3271	$556

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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 Tolleson 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 Tolleson.

The cheapest car insurance premiums in Tolleson are offered by Mercury at $422 for a six-month policy. However, it can be as expensive as $4736 with companies like Farm Bureau.

Tolleson car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$422	$70
Root Insurance Company	$477	$82
Country Financial	$598	$99
Hartford	$748	$127
Progressive	$1002	$169
Travelers	$1115	$188
Farmers	$1202	$202
State Farm	$1369	$230
USAA	$1934	$326
Nationwide	$2396	$407
Auto-Owners	$3152	$525
The Hartford	$3463	$588
Allstate	$3669	$618
Farm Bureau	$4736	$805

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 Tolleson are offered by AutoOwners Insurance Co at $414. However, it can be as expensive as $4505 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Tolleson after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$414	$71
Mercury	$454	$75
Country Financial	$493	$84
Root Insurance Company	$541	$90
Farmers	$557	$95
State Farm	$1075	$181
Travelers	$1194	$201
Progressive	$1202	$202
USAA	$1703	$289
Auto-Owners	$1743	$291
Farm Bureau	$2651	$450
The Hartford	$3016	$503
Allstate	$4505	$766

Car Insurance Price Trends in Tolleson, Arizona

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

The average cost of full coverage in the Tolleson rose by $281 in January compared to $162 of December. In other words, there has been an increase by $119 when you compare January and December.

The average cost of liability insurance in the Tolleson rose to $84 in January, compared to $72 in December. This represents an increase of $12 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Tolleson?

The car insurance in Tolleson is $54 per month, which is lower than the national average.

What is the cheapest car insurance in Tolleson?

The cheapest car insurance in Tolleson is $107 per month for full coverage.

How much is car insurance in Tolleson for teenagers?

Car insurance for teenagers costs $382 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 Tolleson?

The average cost of car insurance is $1017 for a six-month policy. It will cost around $229 per month to insure your car in Tolleson.

Is car insurance expensive in Tolleson?

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

What is the best car insurance in Tolleson, AZ?

The best car insurance company in Tolleson AZ is Root Insurance Company, offering $628 for a six-month policy.