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Get Cheap Car Insurance in 85631, AZ
We monitor insurance prices, helping the average driver in 85631 save up to 38.6% on car insurance.
The Cheapest Minimum Coverage in 85631
The chart below shows the cheapest car insurance company in 85631 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.
| 85631 Insurer | Monthly Cost |
|---|---|
| Metromile | $61 |
| State Farm | $61 |
| Mile Auto | $77 |
| MetLife | $77 |
Savings for Every Kind of 85631 Driver
Based on our extensive insurance data, we know the average 85631 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 $690 per year by choosing the right vehicle insurance company. Some 85631 residents are paying out over $1,786 extra every year for auto insurance in 85631. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
85631, AZ Savings / Yr. |
|---|---|
$690 |
|
$613 |
|
$373 |
|
$627 |
|
$1,989 |
|
$351 |
|
$986 |
85631 Car Insurance vs. Arizona
People living in 85631 pay an average of 1.57% less than the typical driver in the state. The average driver in 85631 can expect to pay about $941 per year, or $1,786 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in 85631 for most people.
Car Insurance Prices by 85631 Neighborhood
Insurance Prices
Where is insurance cheapest within 85631?
The map shows insurance prices in and around 85631, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $288 per year within the zip boundaries, with insurance premiums ranging from a high of $1,928 to a low of $1,640. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southeast parts of 85631.Pick the Best Car Insurance Company for You in 85631
The best car insurance provider for most drivers in 85631
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $690 over the average 85631 car insurance company.
The best car insurance provider for 85631 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 $613 over the competition.
The best car insurance company for 85631 drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $373 better than other car insurance companies.
The best auto insurance for 85631 drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $627 less each year.
The least expensive car insurance company for new and young drivers in 85631
In 85631, Geico costs young drivers $1,989 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 85631
State Farm gave the largest car insurance discounts to married couples, averaging $351 saved each year compared to an average 85631 couple's premiums.
The cheapest car insurance in 85631 for drivers with bad credit
The best 85631 car insurance company for customer service
Recent price drops
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The cheapest large national provider in 85631
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average 85631 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 85631, 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 85631
What Influences the Cost of Car Insurance in 85631?
On average, car insurance in 85631 is actually less expensive than the rest of the state. These low 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 85631 are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
- 85631 is a fairly densely populated area in the state. The zip’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in 85631 is $78 per month for minimum coverage and $149 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
- 85618: Insurance costs 5.43% less
- 85623: Insurance costs 7.56% less
- 85739: Insurance costs 3.98% less
- 85145: Insurance costs 2.30% less
- 85141: Insurance costs 3.58% less
- 85131: Insurance costs 3.70% less
- 85123: Insurance costs 0.50% less
- 88055: Insurance costs 26.04% less
- 88065: Insurance costs 25.76% less
- 88061: Insurance costs 24.92% less
Zip Codes with Similar Populations
- 07750: Insurance costs 1.23% more
- 12543: Insurance costs 38.24% more
- 01529: Insurance costs 15.29% less
- 16038: Insurance costs 22.34% less
- 16248: Insurance costs 21.33% less
- 16406: Insurance costs 23.01% less
- 25962: Insurance costs 16.74% less
- 26059: Insurance costs 20.72% less
- 31650: Insurance costs 9.97% less
- 54135: Insurance costs 36.51% less