Cheapest Car Insurance Quotes in Vernon

Finding the cheapest car insurance quotes in Vernon 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.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Vernon Car Insurance

^$ 36

/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 Vernon

The car insurance rate in Vernon is $925 for a six-month policy, which is $92 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $427, making it a popular choice for budget-conscious drivers. Rates in Vernon 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 Vernon

$925

Avg. Car Insurance in Arizona

$1017

National Average

$1278

Cheapest Car Insurance Companies in Vernon

1st place: Root Insurance Company

At $427 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 $562 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $589 for six months, making it the third cheapest auto insurance company in Vernon.

Vernon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Vernon, AZ is Root Insurance Company, offering policies at just $427 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $562.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $989 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Vernon drivers find the best deals.

Cheap Car Insurance Companies in Vernon, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$427	$73
Auto-Owners Insurance Co	$562	$94
Farmers	$589	$100
Mercury	$605	$101
Hartford	$632	$107
Iowa Farm Bureau	$638	$106
Travelers	$752	$126
USAA	$881	$148
Progressive	$892	$150
State Farm	$908	$153
Auto-Owners	$1022	$172
Farm Bureau	$1324	$221
Allstate	$1379	$232
The Hartford	$1379	$232
CSAA	$1838	$312
Nationwide	$989	$165

Key Takeaways

Way's key takeaways about car insurance in Vernon

The auto insurance costs in Vernon fall around $427 for six months.
The cheapest auto insurance company in Vernon is Mercury.
Teen drivers pay the highest rate in Vernon at $800 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 Vernon

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 Vernon are given below.

Mercury provides the cheapest minimum car insurance coverage in Vernon. Their Average 6 Month Premium is $217. The Hartford is the most expensive at $557 for the same period.

Cheapest Liability Coverage in Vernon, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$217	$36
Auto-Owners Insurance Co	$281	$48
Travelers	$281	$47
Country Financial	$287	$49
Root Insurance Company	$292	$48
USAA	$298	$50
Farmers	$308	$51
Auto-Owners	$324	$55
Iowa Farm Bureau	$324	$54
State Farm	$357	$60
Progressive	$368	$62
Allstate	$465	$78
Farm Bureau	$502	$84
The Hartford	$557	$95

Cheapest Full Coverage Car Insurance in Vernon

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 Vernon is Root Insurance Company at $73 per month and $427 for six months.

Cheapest Full Coverage Car Insurance Quotes in Vernon, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$427	$73
Auto-Owners Insurance Co	$562	$94
Farmers	$589	$100
Mercury	$605	$101
Hartford	$632	$107
Iowa Farm Bureau	$638	$106
Travelers	$752	$126
USAA	$881	$148
Progressive	$892	$150
State Farm	$908	$153
Auto-Owners	$1022	$172
Farm Bureau	$1324	$221
Allstate	$1379	$232
The Hartford	$1379	$232
CSAA	$1838	$312
Nationwide	$989	$165

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Vernon Instantly!

Average Car Insurance in Vernon 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 Vernon, AZ increasing?

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

Car Insurance Premiums by Age in Vernon

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Vernon,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Vernon at $44 per month. At $4800 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$259	$44
Root Insurance Company	$298	$51
Country Financial	$335	$56
Farmers	$379	$65
Auto-Owners Insurance Co	$384	$64
Iowa Farm Bureau	$400	$68
Travelers	$1097	$185
USAA	$1298	$218
State Farm	$1351	$228
Progressive	$2098	$353
Allstate	$2238	$377
Farm Bureau	$3427	$582
Auto-Owners	$3454	$576
The Hartford	$4378	$744
CSAA	$4800	$800

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 Vernon, Mercury is the cheapest car insurance provider. At $248 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 Vernon is State Farm, offering rates of around $6238 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$248	$42
Root Insurance Company	$373	$64
Country Financial	$400	$66
Farmers	$449	$76
Nationwide	$460	$76
Iowa Farm Bureau	$584	$99
Hartford	$594	$99
Progressive	$941	$158
Travelers	$962	$162
Allstate	$1773	$298
USAA	$1778	$297
Farm Bureau	$2287	$389
The Hartford	$2827	$471
Auto-Owners	$3400	$578
State Farm	$6238	$1039

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Vernon.

Car Insurance Rates with An Accident in Vernon

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

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

The cheapest car insurance companies after an at-fault accident in Vernon include Root Insurance Company and Country Financial, offering $368 and $373, respectively. CSAA is an expensive provider with an average six-month premium of $2984.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$368	$61
Country Financial	$373	$64
Auto-Owners Insurance Co	$438	$73
Noblr	$616	$105
Travelers	$643	$108
Root	$671	$114
State Farm	$686	$116
General Casualty	$838	$143
USAA	$859	$145
Progressive	$984	$166
Farmers	$1238	$208
Mercury	$1287	$217
Farm Bureau Mutual (IA Group)	$1330	$222
Auto-Owners	$1432	$241
Metromile	$1513	$252
General Agents Group	$1703	$289
Country	$1800	$300
Encompass	$1957	$333
Allstate	$1978	$333
Nationwide	$2103	$358
The Hartford	$2140	$360
Safeway	$2394	$407
Farm Bureau	$2530	$421
Permanent General	$2589	$440
MetLife	$2951	$492
CSAA	$2984	$508

Vernon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Vernon AZ. For example, the car insurance in Vernon after a DUI increases to $1097 for a six month policy. While the rate increases by $222 for a six-month policy in the case of a speeding ticket.

Vernon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1065	$177
One Med/PIP claim	$1065	$181
Not-at-fault accident	$1070	$178
One comp claim	$1114	$189
Two Med/PIP claims	$1114	$186
Two comp claims	$1157	$197
Failure to wear a seat belt	$1217	$203
Child safety restraint	$1265	$215
Driving without lights	$1265	$211
Failure to show documents	$1265	$215
Speeding 6 - 10 MPH over limit	$1287	$215
Driving too slowly	$1335	$227
Speeding 11 - 15 MPH over limit	$1335	$223
Speeding in school zone	$1335	$227
Driving with expired registration	$1346	$225
Speeding 16 - 20 MPH over limit	$1346	$228
Cell phone violation	$1351	$226
Failure to stop at a red light	$1351	$230
Failure to yield	$1351	$226
Following too closely	$1351	$230
Illegal turn	$1351	$226
Texting while driving	$1351	$230
Wrong way/wrong lane	$1351	$226
Improper passing	$1373	$234
Speeding 21 - 25 MPH over limit	$1390	$231
In 65 MPH zone	$1411	$240
Passing school bus	$1427	$238
At-fault accident - less than $1000	$1465	$249
Operating a vehicle without permission	$1541	$257
At-fault accident - $1000-$2000	$1583	$269
At-fault accident - greater than $2000	$1605	$268
Open container	$1686	$287
Reckless driving	$1870	$312
Driving with a suspended license	$1930	$329
DUI	$2162	$360
Refusal to submit to a chemical test	$2162	$368
Racing	$2210	$369
Leaving scene of an accident/hit and run	$2221	$378

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Vernon 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 Vernon.

The cheapest car insurance premiums in Vernon are offered by Mercury at $287 for a six-month policy. However, it can be as expensive as $3216 with companies like Farm Bureau.

Vernon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$287	$47
Root Insurance Company	$324	$56
Country Financial	$406	$67
Hartford	$508	$86
Progressive	$681	$115
Travelers	$757	$127
Farmers	$816	$137
State Farm	$930	$157
USAA	$1313	$221
Nationwide	$1627	$277
Auto-Owners	$2140	$357
The Hartford	$2351	$399
Allstate	$2492	$420
Farm Bureau	$3216	$547

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 Vernon are offered by AutoOwners Insurance Co at $281. However, it can be as expensive as $3059 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Vernon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$281	$48
Mercury	$308	$51
Country Financial	$335	$57
Root Insurance Company	$368	$61
Farmers	$379	$65
State Farm	$730	$123
Travelers	$811	$137
Progressive	$816	$137
USAA	$1157	$197
Auto-Owners	$1184	$197
Farm Bureau	$1800	$306
The Hartford	$2048	$341
Allstate	$3059	$521

Car Insurance Price Trends in Vernon, Arizona

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

The average cost of full coverage in the Vernon rose by $191 in January compared to $110 of December. In other words, there has been an increase by $81 when you compare January and December.

The average cost of liability insurance in the Vernon rose to $57 in January, compared to $49 in December. This represents an increase of $8 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Vernon?

The car insurance in Vernon is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Vernon?

The cheapest car insurance in Vernon is $73 per month for full coverage.

How much is car insurance in Vernon for teenagers?

Car insurance for teenagers costs $259 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 Vernon?

The average cost of car insurance is $1017 for a six-month policy. It will cost around $156 per month to insure your car in Vernon.

Is car insurance expensive in Vernon?

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

What is the best car insurance in Vernon, AZ?

The best car insurance company in Vernon AZ is Root Insurance Company, offering $427 for a six-month policy.