Cheapest Car Insurance Quotes in Valle Vista

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Valle Vista Car Insurance

^$ 35

/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 Valle Vista

The car insurance rate in Valle Vista is $812 for a six-month policy, which is $121 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $408, making it a popular choice for budget-conscious drivers. Rates in Valle Vista 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 Valle Vista

$812

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Valle Vista

1st place: Root Insurance Company

At $408 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 $538 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $563 for six months, making it the third cheapest auto insurance company in Valle Vista.

Valle Vista Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Valle Vista, AZ is Root Insurance Company, offering policies at just $408 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $538.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $946 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Valle Vista drivers find the best deals.

Cheap Car Insurance Companies in Valle Vista, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$408	$68
Auto-Owners Insurance Co	$538	$91
Farmers	$563	$94
Mercury	$579	$98
Hartford	$605	$101
Iowa Farm Bureau	$610	$104
Travelers	$646	$109
State Farm	$812	$137
Progressive	$837	$141
USAA	$842	$142
Auto-Owners	$905	$152
Allstate	$972	$164
The Hartford	$1158	$193
CSAA	$1757	$298
Nationwide	$946	$157

Key Takeaways

Way's key takeaways about car insurance in Valle Vista

The auto insurance costs in Valle Vista fall around $408 for six months.
The cheapest auto insurance company in Valle Vista is Mercury.
Teen drivers pay the highest rate in Valle Vista at $765 per month.

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Cheapest Minimum Liability Car Insurance in Valle Vista

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 Valle Vista are given below.

Mercury provides the cheapest minimum car insurance coverage in Valle Vista. Their Average 6 Month Premium is $207. Allstate is the most expensive at $362 for the same period.

Cheapest Liability Coverage in Valle Vista, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$207	$35
Travelers	$243	$41
Auto-Owners	$264	$44
Auto-Owners Insurance Co	$269	$46
Country Financial	$274	$45
USAA	$274	$46
Root Insurance Company	$279	$46
Farmers	$295	$50
Progressive	$300	$50
Iowa Farm Bureau	$310	$53
State Farm	$315	$53
Allstate	$362	$61

Cheapest Full Coverage Car Insurance in Valle Vista

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 Valle Vista is Root Insurance Company at $68 per month and $408 for six months.

Cheapest Full Coverage Car Insurance Quotes in Valle Vista, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$408	$68
Auto-Owners Insurance Co	$538	$91
Farmers	$563	$94
Mercury	$579	$98
Hartford	$605	$101
Iowa Farm Bureau	$610	$104
Travelers	$646	$109
State Farm	$812	$137
Progressive	$837	$141
USAA	$842	$142
Auto-Owners	$905	$152
Allstate	$972	$164
The Hartford	$1158	$193
CSAA	$1757	$298
Nationwide	$946	$157

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Average Car Insurance in Valle Vista 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 Valle Vista, AZ increasing?

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

Car Insurance Premiums by Age in Valle Vista

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	$469
40s	USAA	$427
50s	USAA	$405
60s	USAA	$416
70s	USAA	$492

Cheapest Car Insurance Rates for Teen Drivers in Valle Vista,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Valle Vista at $42 per month. At $4589 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$248	$42
Travelers	$248	$42
Root Insurance Company	$284	$49
Progressive	$295	$49
USAA	$300	$51
Country Financial	$320	$53
State Farm	$320	$54
Allstate	$362	$61
Farmers	$362	$62
Auto-Owners Insurance Co	$367	$61
Iowa Farm Bureau	$383	$65
Auto-Owners	$2171	$362
CSAA	$4589	$765

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 Valle Vista.

As young drivers face the highest rates in Valle Vista, USAA offers the cheapest auto insurance rates at $469 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 Valle Vista, Mercury is the cheapest car insurance provider. At $238 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 Valle Vista is Hartford, offering rates of around $568 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$238	$40
Travelers	$300	$51
Root Insurance Company	$357	$59
Progressive	$362	$62
Country Financial	$383	$64
Farmers	$429	$73
Nationwide	$439	$73
Allstate	$491	$84
Iowa Farm Bureau	$559	$93
Hartford	$568	$97

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Car Insurance Rates with An Accident in Valle Vista

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

Cheapest Car Insurance Companies after an At-Fault Accident in Valle Vista

The cheapest car insurance companies after an at-fault accident in Valle Vista include Root Insurance Company and Country Financial, offering $351 and $357, respectively. CSAA is an expensive provider with an average six-month premium of $2853.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$351	$58
Country Financial	$357	$61
Auto-Owners Insurance Co	$418	$70
Travelers	$418	$70
State Farm	$559	$94
Noblr	$589	$100
Root	$641	$107
USAA	$677	$114
General Casualty	$801	$133
Progressive	$806	$136
Auto-Owners	$1148	$191
Farmers	$1183	$199
Mercury	$1230	$207
Allstate	$1255	$211
Farm Bureau Mutual (IA Group)	$1271	$212
Metromile	$1447	$246
General Agents Group	$1628	$271
Country	$1721	$292
The Hartford	$1824	$304
Encompass	$1871	$318
Nationwide	$2011	$335
Safeway	$2289	$389
Permanent General	$2475	$412
MetLife	$2821	$479
CSAA	$2853	$475

Valle Vista Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Valle Vista AZ. For example, the car insurance in Valle Vista after a DUI increases to $1049 for a six month policy. While the rate increases by $212 for a six-month policy in the case of a speeding ticket.

Valle Vista auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1018	$170
One Med/PIP claim	$1018	$173
Not-at-fault accident	$1023	$171
One comp claim	$1065	$181
Two Med/PIP claims	$1065	$177
Two comp claims	$1106	$188
Failure to wear a seat belt	$1163	$194
Child safety restraint	$1209	$205
Driving without lights	$1209	$202
Failure to show documents	$1209	$205
Speeding 6 - 10 MPH over limit	$1230	$205
Driving too slowly	$1276	$217
Speeding 11 - 15 MPH over limit	$1276	$213
Speeding in school zone	$1276	$217
Driving with expired registration	$1287	$215
Speeding 16 - 20 MPH over limit	$1287	$218
Cell phone violation	$1292	$216
Failure to stop at a red light	$1292	$220
Failure to yield	$1292	$216
Following too closely	$1292	$220
Illegal turn	$1292	$216
Texting while driving	$1292	$220
Wrong way/wrong lane	$1292	$216
Improper passing	$1313	$224
Speeding 21 - 25 MPH over limit	$1328	$221
In 65 MPH zone	$1349	$230
Passing school bus	$1364	$227
At-fault accident - less than $1000	$1401	$238
Operating a vehicle without permission	$1473	$245
At-fault accident - $1000-$2000	$1514	$258
At-fault accident - greater than $2000	$1535	$256
Open container	$1612	$274
Reckless driving	$1788	$298
Driving with a suspended license	$1845	$314
DUI	$2067	$345
Refusal to submit to a chemical test	$2067	$351
Racing	$2113	$352
Leaving scene of an accident/hit and run	$2124	$361

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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 Valle Vista 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 Valle Vista.

The cheapest car insurance premiums in Valle Vista are offered by Mercury at $274 for a six-month policy. However, it can be as expensive as $1556 with companies like Nationwide.

Valle Vista car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$274	$47
Root Insurance Company	$310	$51
Country Financial	$388	$66
Travelers	$475	$80
Progressive	$480	$81
Hartford	$485	$81
State Farm	$512	$86
Farmers	$780	$131
USAA	$1039	$175
Allstate	$1540	$257
Nationwide	$1556	$264

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 Valle Vista are offered by AutoOwners Insurance Co at $269. However, it can be as expensive as $362 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Valle Vista after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$269	$46
State Farm	$274	$45
Travelers	$274	$47
Mercury	$295	$49
Progressive	$315	$54
Country Financial	$320	$53
Root Insurance Company	$351	$60
Farmers	$362	$60

Car Insurance Price Trends in Valle Vista, Arizona

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

The average cost of full coverage in the Valle Vista rose by $105 in December compared to $103 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Valle Vista rose to $47 in December, compared to $45 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 Valle Vista?

The car insurance in Valle Vista is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Valle Vista?

The cheapest car insurance in Valle Vista is $68 per month for full coverage.

How much is car insurance in Valle Vista for teenagers?

Car insurance for teenagers costs $248 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 Valle Vista?

The average cost of car insurance is $933 for a six-month policy. It will cost around $137 per month to insure your car in Valle Vista.

Is car insurance expensive in Valle Vista?

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

What is the best car insurance in Valle Vista, AZ?

The best car insurance company in Valle Vista AZ is Root Insurance Company, offering $408 for a six-month policy.