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Finding the cheapest car insurance quotes in Waddell 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 Waddell
The car insurance rate in Waddell is $1101 for a six-month policy, which is $168 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $553, making it a popular choice for budget-conscious drivers. Rates in Waddell 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 $553 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 $729 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Farmers
Farmers offers auto insurance
rates at $763
for six months, making it
the third cheapest auto insurance company in Waddell.
Waddell Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Waddell, AZ is Root Insurance Company, offering policies at just $553 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $729.
At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1283 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Waddell drivers find the best deals.
Way's key takeaways about car insurance in Waddell
The auto insurance costs in Waddell fall around $553 for six
months.
The cheapest auto insurance company in Waddell is Mercury.
Teen drivers pay the highest rate in Waddell at $1037 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 Waddell
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 Waddell are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Waddell. Their Average 6 Month Premium is $281.
Allstate is the most
expensive at $491 for the same
period.
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 Waddell is Root Insurance Company
at $92 per month and $553
for six months.
Cheapest Full Coverage Car Insurance Quotes in Waddell,
AZ
Get Your Car Insurance Quote in Waddell
Instantly!
Average Car Insurance in Waddell 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 Waddell, AZ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Waddell, 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, Waddell's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Waddell
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
$636
40s
USAA
$579
50s
USAA
$549
60s
USAA
$564
70s
USAA
$667
Cheapest Car Insurance Rates for Teen Drivers in
Waddell,AZ
If you are planning to get a car insurance policy for your teenage
dependent, Mercury provides the cheapest car
insurance in the Waddell at $57
per
month. At $6225 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 Waddell.
As young drivers face the highest rates in Waddell, USAA
offers the cheapest auto insurance rates at $636 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 Waddell,
Mercury is
the cheapest car insurance provider. At $322 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
Waddell is Hartford, offering
rates of around $771 for six
months.
Save up to $971/yr on car insurance rates in Waddell.
Car Insurance Rates with An Accident in Waddell
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 Waddell, AZ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Waddell
The cheapest car insurance companies after an at-fault accident in
Waddell include Root Insurance Company
and Country Financial, offering $477
and $484,
respectively. CSAA is an expensive provider
with an average six-month premium of
$3869.
Here is a list of driving violations that can increase your car
insurance rates in Waddell AZ. For example, the car
insurance in Waddell
after a DUI increases to $1423 for a six
month policy. While the rate increases by $288 for a six-month policy in the case of
a speeding ticket.
Waddell auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1381
$230
One Med/PIP claim
$1381
$235
Not-at-fault accident
$1388
$231
One comp claim
$1444
$245
Two Med/PIP claims
$1444
$241
Two comp claims
$1500
$255
Failure to wear a seat belt
$1578
$263
Child safety restraint
$1640
$278
Driving without lights
$1640
$274
Failure to show documents
$1640
$278
Speeding 6 - 10 MPH over limit
$1669
$278
Driving too slowly
$1731
$294
Speeding 11 - 15 MPH over limit
$1731
$289
Speeding in school zone
$1731
$294
Driving with expired registration
$1745
$291
Speeding 16 - 20 MPH over limit
$1745
$296
Cell phone violation
$1752
$293
Failure to stop at a red light
$1752
$299
Failure to yield
$1752
$293
Following too closely
$1752
$299
Illegal turn
$1752
$293
Texting while driving
$1752
$299
Wrong way/wrong lane
$1752
$293
Improper passing
$1781
$303
Speeding 21 - 25 MPH over limit
$1802
$300
In 65 MPH zone
$1829
$312
Passing school bus
$1850
$308
At-fault accident - less than $1000
$1900
$323
Operating a vehicle without permission
$1998
$333
At-fault accident - $1000-$2000
$2053
$349
At-fault accident - greater than $2000
$2082
$347
Open container
$2187
$372
Reckless driving
$2425
$405
Driving with a suspended license
$2503
$426
DUI
$2804
$467
Refusal to submit to a chemical test
$2804
$477
Racing
$2866
$478
Leaving scene of an accident/hit and run
$2880
$490
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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 Waddell 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 Waddell.
The cheapest car insurance premiums in
Waddell are
offered by Mercury at $372 for a six-month policy.
However, it can be as
expensive as $2110 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 Waddell are offered by AutoOwners Insurance Co
at $365. However,
it can be as expensive as $491
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Waddell after Speeding ticket
Car insurance rates in Waddell have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Waddell rose by
$143 in December
compared to $139 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 Waddell rose to $64 in December,
compared to $61 in November.
This represents an increase of $3
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Waddell. At $2201 for a
six-month policy, insuring
your car at 85355 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 Waddell?
The car insurance in Waddell is $47 per month, which is lower than the national average.
What is the cheapest car insurance in Waddell?
The cheapest car insurance in Waddell
is $92 per month
for full coverage.
How much is car insurance in Waddell for teenagers?
Car insurance for teenagers costs $336 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
Waddell?
The average cost of car insurance is $933 for a six-month
policy. It will cost around $185 per month to insure your
car in Waddell.
Is car insurance expensive in Waddell?
Car insurance can be expensive in Waddell if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Waddell can be
affordable.
What is the best car insurance in Waddell,
AZ?
The best car insurance company in Waddell
AZ is
Root Insurance Company, offering $553 for a
six-month policy.
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Waddell Car Insurance
