Cheapest Car Insurance Quotes in Topock

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Topock Car Insurance

^$ 34

/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 Topock

The car insurance rate in Topock is $793 for a six-month policy, which is $140 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $399, making it a popular choice for budget-conscious drivers. Rates in Topock 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 Topock

$793

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Topock

1st place: Root Insurance Company

At $399 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 $525 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $550 for six months, making it the third cheapest auto insurance company in Topock.

Topock Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Topock, AZ is Root Insurance Company, offering policies at just $399 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $525.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $924 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Topock drivers find the best deals.

Cheap Car Insurance Companies in Topock, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$399	$66
Auto-Owners Insurance Co	$525	$89
Farmers	$550	$92
Mercury	$565	$96
Hartford	$591	$99
Iowa Farm Bureau	$596	$101
Travelers	$632	$106
State Farm	$793	$133
Progressive	$818	$138
USAA	$823	$139
Auto-Owners	$884	$149
Allstate	$949	$160
The Hartford	$1131	$189
CSAA	$1717	$292
Nationwide	$924	$154

Key Takeaways

Way's key takeaways about car insurance in Topock

The auto insurance costs in Topock fall around $399 for six months.
The cheapest auto insurance company in Topock is Mercury.
Teen drivers pay the highest rate in Topock at $747 per month.

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Cheapest Minimum Liability Car Insurance in Topock

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 Topock are given below.

Mercury provides the cheapest minimum car insurance coverage in Topock. Their Average 6 Month Premium is $202. Allstate is the most expensive at $354 for the same period.

Cheapest Liability Coverage in Topock, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$202	$34
Travelers	$237	$40
Auto-Owners	$258	$43
Auto-Owners Insurance Co	$263	$45
Country Financial	$268	$44
USAA	$268	$45
Root Insurance Company	$273	$45
Farmers	$288	$49
Progressive	$293	$49
Iowa Farm Bureau	$303	$52
State Farm	$308	$52
Allstate	$354	$60

Cheapest Full Coverage Car Insurance in Topock

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 Topock is Root Insurance Company at $66 per month and $399 for six months.

Cheapest Full Coverage Car Insurance Quotes in Topock, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$399	$66
Auto-Owners Insurance Co	$525	$89
Farmers	$550	$92
Mercury	$565	$96
Hartford	$591	$99
Iowa Farm Bureau	$596	$101
Travelers	$632	$106
State Farm	$793	$133
Progressive	$818	$138
USAA	$823	$139
Auto-Owners	$884	$149
Allstate	$949	$160
The Hartford	$1131	$189
CSAA	$1717	$292
Nationwide	$924	$154

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Average Car Insurance in Topock 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 Topock, AZ increasing?

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

Car Insurance Premiums by Age in Topock

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	$458
40s	USAA	$417
50s	USAA	$395
60s	USAA	$406
70s	USAA	$480

Cheapest Car Insurance Rates for Teen Drivers in Topock,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Topock at $41 per month. At $4484 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$242	$41
Travelers	$242	$41
Root Insurance Company	$278	$48
Progressive	$288	$48
USAA	$293	$50
Country Financial	$313	$52
State Farm	$313	$53
Allstate	$354	$60
Farmers	$354	$60
Auto-Owners Insurance Co	$359	$60
Iowa Farm Bureau	$374	$64
Auto-Owners	$2121	$354
CSAA	$4484	$747

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 Topock.

As young drivers face the highest rates in Topock, USAA offers the cheapest auto insurance rates at $458 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 Topock, Mercury is the cheapest car insurance provider. At $232 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 Topock is Hartford, offering rates of around $555 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$232	$39
Travelers	$293	$50
Root Insurance Company	$349	$58
Progressive	$354	$60
Country Financial	$374	$62
Farmers	$419	$71
Nationwide	$429	$71
Allstate	$479	$82
Iowa Farm Bureau	$546	$91
Hartford	$555	$94

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Car Insurance Rates with An Accident in Topock

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

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

The cheapest car insurance companies after an at-fault accident in Topock include Root Insurance Company and Country Financial, offering $343 and $349, respectively. CSAA is an expensive provider with an average six-month premium of $2787.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$343	$57
Country Financial	$349	$60
Auto-Owners Insurance Co	$409	$68
Travelers	$409	$69
State Farm	$546	$92
Noblr	$575	$98
Root	$626	$105
USAA	$661	$111
General Casualty	$783	$130
Progressive	$788	$133
Auto-Owners	$1121	$187
Farmers	$1156	$195
Mercury	$1202	$202
Allstate	$1227	$207
Farm Bureau Mutual (IA Group)	$1242	$207
Metromile	$1414	$241
General Agents Group	$1590	$265
Country	$1681	$286
The Hartford	$1782	$297
Encompass	$1828	$311
Nationwide	$1964	$327
Safeway	$2236	$380
Permanent General	$2418	$403
MetLife	$2757	$468
CSAA	$2787	$464

Topock Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Topock AZ. For example, the car insurance in Topock after a DUI increases to $1025 for a six month policy. While the rate increases by $207 for a six-month policy in the case of a speeding ticket.

Topock auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$995	$166
One Med/PIP claim	$995	$169
Not-at-fault accident	$1000	$167
One comp claim	$1040	$177
Two Med/PIP claims	$1040	$173
Two comp claims	$1080	$184
Failure to wear a seat belt	$1136	$190
Child safety restraint	$1182	$201
Driving without lights	$1182	$197
Failure to show documents	$1182	$201
Speeding 6 - 10 MPH over limit	$1202	$201
Driving too slowly	$1247	$212
Speeding 11 - 15 MPH over limit	$1247	$208
Speeding in school zone	$1247	$212
Driving with expired registration	$1257	$210
Speeding 16 - 20 MPH over limit	$1257	$213
Cell phone violation	$1262	$211
Failure to stop at a red light	$1262	$215
Failure to yield	$1262	$211
Following too closely	$1262	$215
Illegal turn	$1262	$211
Texting while driving	$1262	$215
Wrong way/wrong lane	$1262	$211
Improper passing	$1283	$218
Speeding 21 - 25 MPH over limit	$1298	$216
In 65 MPH zone	$1318	$224
Passing school bus	$1333	$222
At-fault accident - less than $1000	$1369	$233
Operating a vehicle without permission	$1439	$240
At-fault accident - $1000-$2000	$1479	$252
At-fault accident - greater than $2000	$1499	$250
Open container	$1575	$268
Reckless driving	$1747	$292
Driving with a suspended license	$1803	$307
DUI	$2020	$337
Refusal to submit to a chemical test	$2020	$343
Racing	$2065	$344
Leaving scene of an accident/hit and run	$2075	$353

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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 Topock 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 Topock.

The cheapest car insurance premiums in Topock are offered by Mercury at $268 for a six-month policy. However, it can be as expensive as $1520 with companies like Nationwide.

Topock car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$268	$46
Root Insurance Company	$303	$50
Country Financial	$379	$65
Travelers	$464	$78
Progressive	$469	$79
Hartford	$474	$79
State Farm	$500	$84
Farmers	$762	$128
USAA	$1015	$171
Allstate	$1505	$251
Nationwide	$1520	$258

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 Topock are offered by AutoOwners Insurance Co at $263. However, it can be as expensive as $354 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Topock after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$263	$45
State Farm	$268	$44
Travelers	$268	$46
Mercury	$288	$48
Progressive	$308	$53
Country Financial	$313	$52
Root Insurance Company	$343	$59
Farmers	$354	$59

Car Insurance Price Trends in Topock, Arizona

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

The average cost of full coverage in the Topock rose by $103 in December compared to $100 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 Topock rose to $46 in December, compared to $44 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 Topock?

The car insurance in Topock is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Topock?

The cheapest car insurance in Topock is $66 per month for full coverage.

How much is car insurance in Topock for teenagers?

Car insurance for teenagers costs $242 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 Topock?

The average cost of car insurance is $933 for a six-month policy. It will cost around $133 per month to insure your car in Topock.

Is car insurance expensive in Topock?

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

What is the best car insurance in Topock, AZ?

The best car insurance company in Topock AZ is Root Insurance Company, offering $399 for a six-month policy.