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Get Cheap Car Insurance in Agua Fria, El Mirage, AZ

We monitor insurance prices, helping the average driver in Agua Fria save up to 38.6% on car insurance.

 

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The Cheapest Minimum Coverage in Agua Fria

The chart below shows the cheapest car insurance company in Agua Fria 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.

 
Agua Fria Insurer Monthly Cost
Metromile $68
State Farm $69
Mile Auto $87
MetLife $87

Savings for Every Kind of Agua Fria Driver

The table shows how much the average auto insurance customer in Agua Fria might save by following our recommendations.

Based on our extensive insurance data, we know the average Agua Fria 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 $776 per year by choosing the right vehicle insurance company. Some Agua Fria residents are paying out over $2,009 extra every year for auto insurance in Agua Fria. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Agua Fria, El Mirage, AZ Savings / Yr.
Drivers with good records
$776
Drivers with accidents
$690
Drivers with speeding tickets
$420
Drivers with a DUI conviction
$706
Young drivers
$2,238
Married drivers
$395
Drivers with bad credit
$1,110

Agua Fria Car Insurance vs. El Mirage

People living in Agua Fria pay an average of 10.76% more than the typical driver in the state. The average driver in Agua Fria can expect to pay about $1,059 per year, or $2,009 for full coverage.

Based on our analysis, Safeco Insurance will be the cheapest provider in Agua Fria for most people.

Car Insurance Prices by Agua Fria Neighborhood

Agua Fria, El Mirage, AZ map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Agua Fria?

The map shows insurance prices in and around Agua Fria, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $312 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,136 to a low of $1,824. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Central parts of Agua Fria.

Pick the Best Car Insurance Company for You in Agua Fria

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Agua Fria insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Agua Fria

For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $776 over the average Agua Fria car insurance company.

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We use the average good driver, paying $103 per month, as our baseline for pricing in Agua Fria. State Farm, Safeco Insurance, and Metromile are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Agua Fria drivers with accidents on their records

In Agua Fria getting into an accident will raise premiums an average 28% for a yearly cost of $2,808. That's $799 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Geico, and Nationwide are good choices for drivers with accidents.

In our analysis, Nationwide saved the average person who had been in an accident the most, with annual savings averaging $690 over the competition.

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The best car insurance company for Agua Fria drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $420 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Agua Fria, tickets raise premiums on new quotes about $404. If you have a speeding ticket, we recommend State Farm, Geico, and Nationwide for savings that beat the average insurance cost of $2,413 per year.

The best auto insurance for Agua Fria drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,096 per year in auto insurance premiums, which was $1,087 more than a driver with no major issues. State Farm, Progressive, and American Family Insurance penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $706 less each year.

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The least expensive car insurance company for new and young drivers in Agua Fria

In Agua Fria, Geico costs young drivers $2,238 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 70% more for insurance than more mature drivers in Agua Fria. With an average cost of $6,644 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and AAA try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Agua Fria

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $207. State Farm, Geico, and Progressive provided the largest discounts to couples living in Agua Fria.

State Farm gave the largest car insurance discounts to married couples, averaging $395 saved each year compared to an average Agua Fria couple's premiums.

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The cheapest car insurance in Agua Fria for drivers with bad credit

People with poor credit saved an average of $1,110 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,822 every year. Premiums for people with poor credit were about $3,831 in Agua Fria. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Progressive, and Nationwide.

The best Agua Fria car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Agua Fria, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in Agua Fria.

Nationwide was the best company for customer service in Agua Fria according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Agua Fria, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Agua Fria. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Agua Fria

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 42% of Agua Fria residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Agua Fria driver can expect to pay about $130 per month.

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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 Agua Fria, 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.
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Auto Insurance Prices in and Around Agua Fria

What Influences the Cost of Car Insurance in Agua Fria?

On average, car insurance in Agua Fria 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 neighborhood are influenced by the following factors:

  • The average commute time in Agua Fria is 32 minutes, which is a little more than average for a driver in the city.
  • 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 Agua Fria are lower than 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 C+ according to CrimeGrade.org.
  • Agua Fria has an average population density in the state. The neighborhood’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 Agua Fria is $88 per month for minimum coverage and $167 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 Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Agua Fria driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Agua Fria with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.