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 86011, AZ
We monitor insurance prices, helping the average driver in 86011 save up to 38.6% on car insurance.
The Cheapest Minimum Coverage in 86011
The chart below shows the cheapest car insurance company in 86011 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.
| 86011 Insurer | Monthly Cost |
|---|---|
| Metromile | $62 |
| State Farm | $62 |
| Mile Auto | $78 |
| MetLife | $78 |
Savings for Every Kind of 86011 Driver
Based on our extensive insurance data, we know the average 86011 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 $699 per year by choosing the right vehicle insurance company. Some 86011 residents are paying out over $1,809 extra every year for auto insurance in 86011. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
86011, AZ Savings / Yr. |
|---|---|
$699 |
|
$621 |
|
$378 |
|
$635 |
|
$2,015 |
|
$356 |
|
$999 |
86011 Car Insurance vs. Arizona
People living in 86011 pay an average of 0.29% less than the typical driver in the state. The average driver in 86011 can expect to pay about $953 per year, or $1,809 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in 86011 for most people.
Car Insurance Prices by 86011 Neighborhood
Insurance Prices
Where is insurance cheapest within 86011?
The map shows insurance prices in and around 86011, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $102 per year within the zip boundaries, with insurance premiums ranging from a high of $1,858 to a low of $1,756. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the West parts of 86011.Pick the Best Car Insurance Company for You in 86011
The best car insurance provider for most drivers in 86011
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $699 over the average 86011 car insurance company.
The best car insurance provider for 86011 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 $621 over the competition.
The best car insurance company for 86011 drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $378 better than other car insurance companies.
The best auto insurance for 86011 drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $635 less each year.
The least expensive car insurance company for new and young drivers in 86011
In 86011, Geico costs young drivers $2,015 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 86011
State Farm gave the largest car insurance discounts to married couples, averaging $356 saved each year compared to an average 86011 couple's premiums.
The cheapest car insurance in 86011 for drivers with bad credit
The best 86011 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 86011, which was better than other insurers.
The cheapest large national provider in 86011
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average 86011 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 86011, 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 86011
What Influences the Cost of Car Insurance in 86011?
On average, car insurance in 86011 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:
- The average commute time in 86011 is 16 minutes, which is far less than average for a driver in the state.
- Arizona state insurance regulations may require higher prices.
- An average of 12 to 13 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 86011 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.
- 86011 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 86011 is $79 per month for minimum coverage and $151 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
- 86001: Insurance costs 1.82% less
- 86005: Insurance costs 1.93% less
- 86004: Insurance costs 2.87% less
- 86015: Insurance costs 2.99% less
- 86018: Insurance costs 5.25% less
- 86003: Insurance costs 2.87% less
- 86320: Insurance costs 4.75% less
- 86047: Insurance costs 1.22% less
- 86502: Insurance costs 2.54% less
- 86401: Insurance costs 5.14% less
Zip Codes with Similar Populations
- 28771: Insurance costs 31.67% less
- 74346: Insurance costs 5.14% less
- 35952: Insurance costs 13.21% less
- 35044: Insurance costs 13.49% less
- 33476: Insurance costs 56.22% more
- 32040: Insurance costs 35.43% more
- 31302: Insurance costs 7.35% less
- 30553: Insurance costs 4.20% less
- 30415: Insurance costs 6.52% less
- 77486: Insurance costs 5.86% less