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Finding the cheapest car insurance quotes in Tortilla Flat shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Tortilla Flat
The car insurance rate in Tortilla Flat 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 Tortilla Flat 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.
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 Tortilla Flat.
Tortilla Flat Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Tortilla Flat, 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 Tortilla Flat drivers find the best deals.
Cheap Car Insurance Companies in Tortilla Flat, AZ
Way's key takeaways about car insurance in Tortilla Flat
The auto insurance costs in Tortilla Flat fall around $530 for six
months.
The cheapest auto insurance company in Tortilla Flat is Mercury.
Teen drivers pay the highest rate in Tortilla Flat at $993 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Tortilla Flat
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 Tortilla Flat are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Tortilla Flat. Their Average 6 Month Premium is $269.
Allstate is the most
expensive at $470 for the same
period.
Cheapest Full Coverage Car Insurance in Tortilla Flat
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 Tortilla Flat is Root Insurance Company
at $88 per month and $530
for six months.
Cheapest Full Coverage Car Insurance Quotes in Tortilla Flat,
AZ
Get Your Car Insurance Quote in Tortilla Flat
Instantly!
Average Car Insurance in Tortilla Flat 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 Tortilla Flat, AZ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Tortilla Flat, 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, Tortilla Flat's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Tortilla Flat
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
Tortilla Flat,AZ
If you are planning to get a car insurance policy for your teenage
dependent, Mercury provides the cheapest car
insurance in the Tortilla Flat at $54
per
month. At $5961 for a six-month premium,
CSAA offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Tortilla Flat.
As young drivers face the highest rates in Tortilla Flat, 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 Tortilla Flat,
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
Tortilla Flat is Hartford, offering
rates of around $738 for six
months.
Save up to $971/yr on car insurance rates in Tortilla Flat.
Car Insurance Rates with An Accident in Tortilla Flat
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 Tortilla Flat, AZ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Tortilla Flat
The cheapest car insurance companies after an at-fault accident in
Tortilla Flat 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.
Here is a list of driving violations that can increase your car
insurance rates in Tortilla Flat AZ. For example, the car
insurance in Tortilla Flat
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.
Tortilla Flat 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 Tortilla Flat 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 Tortilla Flat.
The cheapest car insurance premiums in
Tortilla Flat are
offered by Mercury at $356 for a six-month policy.
However, it can be as
expensive as $2020 with companies
like Nationwide.
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 Tortilla Flat 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 Tortilla Flat after Speeding ticket
Car Insurance Price Trends in Tortilla Flat,
Arizona
Car insurance rates in Tortilla Flat have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Tortilla Flat 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 Tortilla Flat rose to $61 in December,
compared to $59 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Tortilla Flat by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Tortilla Flat. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Tortilla Flat?
The car insurance in Tortilla Flat is $45 per month, which is lower than the national average.
What is the cheapest car insurance in Tortilla Flat?
The cheapest car insurance in Tortilla Flat
is $88 per month
for full coverage.
How much is car insurance in Tortilla Flat 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
Tortilla Flat?
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 Tortilla Flat.
Is car insurance expensive in Tortilla Flat?
Car insurance can be expensive in Tortilla Flat if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Tortilla Flat can be
affordable.
What is the best car insurance in Tortilla Flat,
AZ?
The best car insurance company in Tortilla Flat
AZ is
Root Insurance Company, offering $530 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Tortilla Flat, AZ
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Tortilla Flat Car Insurance
