Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in 85201, AZ
We monitor insurance prices, helping the average driver in 85201 save up to 38.6% on car insurance.
The Cheapest Minimum Coverage in 85201
The chart below shows the cheapest car insurance company in 85201 for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by State Farm, Mile Auto, and MetLife.
| 85201 Insurer | Monthly Cost |
|---|---|
| Metromile | $67 |
| State Farm | $68 |
| Mile Auto | $86 |
| MetLife | $86 |
Savings for Every Kind of 85201 Driver
Based on our extensive insurance data, we know the average 85201 driver will save about 39% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $765 per year by choosing the right vehicle insurance company. Some 85201 residents are paying out over $1,978 extra every year for auto insurance in 85201. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
85201, AZ Savings / Yr. |
|---|---|
$765 |
|
$679 |
|
$413 |
|
$695 |
|
$2,204 |
|
$389 |
|
$1,093 |
85201 Car Insurance vs. Arizona
People living in 85201 pay an average of 9.07% more than the typical driver in the state. The average driver in 85201 can expect to pay about $1,043 per year, or $1,978 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in 85201 for most people.
Car Insurance Prices by 85201 Neighborhood
Insurance Prices
Where is insurance cheapest within 85201?
The map shows insurance prices in and around 85201, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $446 per year within the zip boundaries, with insurance premiums ranging from a high of $2,191 to a low of $1,745. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Southeast parts of 85201.Pick the Best Car Insurance Company for You in 85201
The best car insurance provider for most drivers in 85201
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $765 over the average 85201 car insurance company.
The best car insurance provider for 85201 drivers with accidents on their records
In our analysis, Nationwide saved the average person who had been in an accident the most, with annual savings averaging $679 over the competition.
The best car insurance company for 85201 drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $413 better than other car insurance companies.
The best auto insurance for 85201 drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $695 less each year.
The least expensive car insurance company for new and young drivers in 85201
In 85201, Geico costs young drivers $2,204 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 85201
State Farm gave the largest car insurance discounts to married couples, averaging $389 saved each year compared to an average 85201 couple's premiums.
The cheapest car insurance in 85201 for drivers with bad credit
The best 85201 car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in 85201, which was better than other insurers.
The cheapest large national provider in 85201
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average 85201 driver can expect to pay about $130 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In 85201, USAA has the best prices for married couples, drivers with speeding tickets, drivers with accidents, good drivers, drivers with bad credit, young drivers, and drivers with a DUI conviction.Auto Insurance Prices in and Around 85201
What Influences the Cost of Car Insurance in 85201?
On average, car insurance in 85201 is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the zip are influenced by the following factors:
- Arizona state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 85201 are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- 85201 is one of the least populated areas in the state. The zip’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in 85201 is $87 per month for minimum coverage and $165 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Zip Codes
- 85203: Insurance costs 2.07% less
- 85210: Insurance costs 0.66% less
- 85202: Insurance costs 2.63% less
- 85204: Insurance costs 1.21% less
- 85256: Insurance costs 10.57% less
- 85281: Insurance costs 2.58% less
- 85213: Insurance costs 4.55% less
- 85257: Insurance costs 3.49% less
- 85282: Insurance costs 3.59% less
- 85251: Insurance costs 4.55% less
Zip Codes with Similar Populations
- 19380: Insurance costs 29.37% less
- 95124: Insurance costs 2.17% more
- 23455: Insurance costs 38.12% less
- 22304: Insurance costs 30.89% less
- 21228: Insurance costs 1.67% more
- 30907: Insurance costs 13.35% less
- 20854: Insurance costs 2.43% less
- 20852: Insurance costs 3.94% more
- 20110: Insurance costs 33.47% less
- 20001: Insurance costs 14.96% more