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Get Cheap Car Insurance in 86039, AZ
We monitor insurance prices, helping the average driver in 86039 save up to 38.6% on car insurance.
The Cheapest Minimum Coverage in 86039
The chart below shows the cheapest car insurance company in 86039 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.
| 86039 Insurer | Monthly Cost |
|---|---|
| Metromile | $60 |
| State Farm | $60 |
| Mile Auto | $76 |
| MetLife | $76 |
Savings for Every Kind of 86039 Driver
Based on our extensive insurance data, we know the average 86039 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 $677 per year by choosing the right vehicle insurance company. Some 86039 residents are paying out over $1,752 extra every year for auto insurance in 86039. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
86039, AZ Savings / Yr. |
|---|---|
$677 |
|
$602 |
|
$366 |
|
$615 |
|
$1,952 |
|
$345 |
|
$968 |
86039 Car Insurance vs. Arizona
People living in 86039 pay an average of 3.40% less than the typical driver in the state. The average driver in 86039 can expect to pay about $924 per year, or $1,752 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in 86039 for most people.
Car Insurance Prices by 86039 Neighborhood
Insurance Prices
Where is insurance cheapest within 86039?
The map shows insurance prices in and around 86039, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $13 per year within the zip boundaries, with insurance premiums ranging from a high of $1,764 to a low of $1,751. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the East parts of 86039.Pick the Best Car Insurance Company for You in 86039
The best car insurance provider for most drivers in 86039
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $677 over the average 86039 car insurance company.
The best car insurance provider for 86039 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 $602 over the competition.
The best car insurance company for 86039 drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $366 better than other car insurance companies.
The best auto insurance for 86039 drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $615 less each year.
The least expensive car insurance company for new and young drivers in 86039
In 86039, Geico costs young drivers $1,952 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 86039
State Farm gave the largest car insurance discounts to married couples, averaging $345 saved each year compared to an average 86039 couple's premiums.
The cheapest car insurance in 86039 for drivers with bad credit
The best 86039 car insurance company for customer service
Recent price drops
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The cheapest large national provider in 86039
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average 86039 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 86039, 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 86039
What Influences the Cost of Car Insurance in 86039?
On average, car insurance in 86039 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 86039 are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- 86039 is one of the most densely populated areas 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 86039 is $77 per month for minimum coverage and $146 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
- 86030: Insurance costs 0.40% more
- 86510: Insurance costs 0.57% more
- 86520: Insurance costs 0.23% more
- 86045: Insurance costs 2.68% more
- 86503: Insurance costs 2.00% more
- 86020: Insurance costs 1.31% less
- 86540: Insurance costs 1.03% less
- 87328: Insurance costs 17.07% less
- 86023: Insurance costs 1.94% less
- 87364: Insurance costs 19.75% less
Zip Codes with Similar Populations
- 80812: Insurance costs 9.93% more
- 41760: Insurance costs 39.84% more
- 41766: Insurance costs 40.13% more
- 43010: Insurance costs 36.76% less
- 43740: Insurance costs 36.59% less
- 45155: Insurance costs 35.45% less
- 45164: Insurance costs 37.27% less
- 79378: Insurance costs 4.62% less
- 79733: Insurance costs 3.37% less
- 41534: Insurance costs 41.95% more