Cheapest Car Insurance Quotes in Willow Valley

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Willow Valley 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 Willow Valley

The car insurance rate in Willow Valley is $830 for a six-month policy, which is $103 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $417, making it a popular choice for budget-conscious drivers. Rates in Willow Valley 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 Willow Valley

$830

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Willow Valley

1st place: Root Insurance Company

At $417 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 $550 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $576 for six months, making it the third cheapest auto insurance company in Willow Valley.

Willow Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Willow Valley, AZ is Root Insurance Company, offering policies at just $417 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $550.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $967 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Willow Valley drivers find the best deals.

Cheap Car Insurance Companies in Willow Valley, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$417	$69
Auto-Owners Insurance Co	$550	$93
Farmers	$576	$96
Mercury	$592	$101
Hartford	$619	$103
Iowa Farm Bureau	$624	$106
Travelers	$661	$111
State Farm	$830	$140
Progressive	$856	$144
USAA	$862	$145
Auto-Owners	$926	$156
Allstate	$994	$167
The Hartford	$1185	$198
CSAA	$1798	$305
Nationwide	$967	$161

Key Takeaways

Way's key takeaways about car insurance in Willow Valley

The auto insurance costs in Willow Valley fall around $417 for six months.
The cheapest auto insurance company in Willow Valley is Mercury.
Teen drivers pay the highest rate in Willow Valley at $782 per month.

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Cheapest Minimum Liability Car Insurance in Willow Valley

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 Willow Valley are given below.

Mercury provides the cheapest minimum car insurance coverage in Willow Valley. Their Average 6 Month Premium is $212. Allstate is the most expensive at $370 for the same period.

Cheapest Liability Coverage in Willow Valley, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$212	$36
Travelers	$248	$42
Auto-Owners	$270	$45
Auto-Owners Insurance Co	$275	$47
Country Financial	$280	$46
USAA	$280	$47
Root Insurance Company	$286	$47
Farmers	$302	$52
Progressive	$307	$52
Iowa Farm Bureau	$317	$54
State Farm	$322	$54
Allstate	$370	$62

Cheapest Full Coverage Car Insurance in Willow Valley

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 Willow Valley is Root Insurance Company at $69 per month and $417 for six months.

Cheapest Full Coverage Car Insurance Quotes in Willow Valley, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$417	$69
Auto-Owners Insurance Co	$550	$93
Farmers	$576	$96
Mercury	$592	$101
Hartford	$619	$103
Iowa Farm Bureau	$624	$106
Travelers	$661	$111
State Farm	$830	$140
Progressive	$856	$144
USAA	$862	$145
Auto-Owners	$926	$156
Allstate	$994	$167
The Hartford	$1185	$198
CSAA	$1798	$305
Nationwide	$967	$161

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Average Car Insurance in Willow Valley 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 Willow Valley, AZ increasing?

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

Car Insurance Premiums by Age in Willow Valley

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	$480
40s	USAA	$437
50s	USAA	$414
60s	USAA	$425
70s	USAA	$503

Cheapest Car Insurance Rates for Teen Drivers in Willow Valley,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Willow Valley at $43 per month. At $4695 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$254	$43
Travelers	$254	$43
Root Insurance Company	$291	$50
Progressive	$302	$50
USAA	$307	$53
Country Financial	$328	$54
State Farm	$328	$55
Allstate	$370	$62
Farmers	$370	$63
Auto-Owners Insurance Co	$376	$62
Iowa Farm Bureau	$392	$67
Auto-Owners	$2221	$370
CSAA	$4695	$782

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 Willow Valley.

As young drivers face the highest rates in Willow Valley, USAA offers the cheapest auto insurance rates at $480 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 Willow Valley, Mercury is the cheapest car insurance provider. At $243 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 Willow Valley is Hartford, offering rates of around $581 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$243	$41
Travelers	$307	$53
Root Insurance Company	$365	$61
Progressive	$370	$63
Country Financial	$392	$65
Farmers	$439	$75
Nationwide	$449	$75
Allstate	$502	$85
Iowa Farm Bureau	$571	$95
Hartford	$581	$99

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Car Insurance Rates with An Accident in Willow Valley

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

Cheapest Car Insurance Companies after an At-Fault Accident in Willow Valley

The cheapest car insurance companies after an at-fault accident in Willow Valley include Root Insurance Company and Country Financial, offering $360 and $365, respectively. CSAA is an expensive provider with an average six-month premium of $2918.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$360	$60
Country Financial	$365	$62
Auto-Owners Insurance Co	$428	$71
Travelers	$428	$72
State Farm	$571	$96
Noblr	$603	$102
Root	$656	$109
USAA	$692	$117
General Casualty	$820	$136
Progressive	$825	$139
Auto-Owners	$1174	$196
Farmers	$1210	$204
Mercury	$1258	$212
Allstate	$1284	$216
Farm Bureau Mutual (IA Group)	$1300	$217
Metromile	$1480	$252
General Agents Group	$1665	$278
Country	$1760	$299
The Hartford	$1866	$311
Encompass	$1914	$326
Nationwide	$2057	$343
Safeway	$2342	$398
Permanent General	$2532	$422
MetLife	$2886	$490
CSAA	$2918	$486

Willow Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Willow Valley AZ. For example, the car insurance in Willow Valley after a DUI increases to $1074 for a six month policy. While the rate increases by $217 for a six-month policy in the case of a speeding ticket.

Willow Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1041	$174
One Med/PIP claim	$1041	$177
Not-at-fault accident	$1047	$174
One comp claim	$1089	$185
Two Med/PIP claims	$1089	$182
Two comp claims	$1131	$192
Failure to wear a seat belt	$1190	$198
Child safety restraint	$1237	$210
Driving without lights	$1237	$206
Failure to show documents	$1237	$210
Speeding 6 - 10 MPH over limit	$1258	$210
Driving too slowly	$1306	$222
Speeding 11 - 15 MPH over limit	$1306	$218
Speeding in school zone	$1306	$222
Driving with expired registration	$1316	$220
Speeding 16 - 20 MPH over limit	$1316	$223
Cell phone violation	$1322	$221
Failure to stop at a red light	$1322	$225
Failure to yield	$1322	$221
Following too closely	$1322	$225
Illegal turn	$1322	$221
Texting while driving	$1322	$225
Wrong way/wrong lane	$1322	$221
Improper passing	$1343	$229
Speeding 21 - 25 MPH over limit	$1359	$226
In 65 MPH zone	$1380	$235
Passing school bus	$1396	$232
At-fault accident - less than $1000	$1433	$244
Operating a vehicle without permission	$1507	$251
At-fault accident - $1000-$2000	$1549	$263
At-fault accident - greater than $2000	$1570	$262
Open container	$1649	$280
Reckless driving	$1829	$305
Driving with a suspended license	$1888	$321
DUI	$2115	$352
Refusal to submit to a chemical test	$2115	$360
Racing	$2162	$360
Leaving scene of an accident/hit and run	$2172	$369

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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 Willow Valley 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 Willow Valley.

The cheapest car insurance premiums in Willow Valley are offered by Mercury at $280 for a six-month policy. However, it can be as expensive as $1591 with companies like Nationwide.

Willow Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$280	$48
Root Insurance Company	$317	$53
Country Financial	$397	$68
Travelers	$486	$82
Progressive	$491	$83
Hartford	$497	$83
State Farm	$523	$88
Farmers	$798	$134
USAA	$1063	$179
Allstate	$1575	$263
Nationwide	$1591	$271

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 Willow Valley are offered by AutoOwners Insurance Co at $275. However, it can be as expensive as $370 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Willow Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$275	$47
State Farm	$280	$46
Travelers	$280	$48
Mercury	$302	$50
Progressive	$322	$55
Country Financial	$328	$54
Root Insurance Company	$360	$61
Farmers	$370	$61

Car Insurance Price Trends in Willow Valley, Arizona

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

The average cost of full coverage in the Willow Valley rose by $108 in December compared to $105 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 Willow Valley rose to $48 in December, compared to $46 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 Willow Valley?

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

What is the cheapest car insurance in Willow Valley?

The cheapest car insurance in Willow Valley is $69 per month for full coverage.

How much is car insurance in Willow Valley for teenagers?

Car insurance for teenagers costs $254 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 Willow Valley?

The average cost of car insurance is $933 for a six-month policy. It will cost around $140 per month to insure your car in Willow Valley.

Is car insurance expensive in Willow Valley?

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

What is the best car insurance in Willow Valley, AZ?

The best car insurance company in Willow Valley AZ is Root Insurance Company, offering $417 for a six-month policy.