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Get Cheap Car Insurance in Alta Loma, Peoria, AZ

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

 

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The Cheapest Minimum Coverage in Alta Loma

The chart below shows the cheapest car insurance company in Alta Loma 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.

 
Alta Loma Insurer Monthly Cost
Metromile $67
State Farm $68
Mile Auto $85
MetLife $85

Savings for Every Kind of Alta Loma Driver

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

Based on our extensive insurance data, we know the average Alta Loma 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 $759 per year by choosing the right vehicle insurance company. Some Alta Loma residents are paying out over $1,963 extra every year for auto insurance in Alta Loma. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Alta Loma, Peoria, AZ Savings / Yr.
Drivers with good records
$759
Drivers with accidents
$674
Drivers with speeding tickets
$410
Drivers with a DUI conviction
$689
Young drivers
$2,187
Married drivers
$386
Drivers with bad credit
$1,084

Alta Loma Car Insurance vs. Peoria

People living in Alta Loma pay an average of 8.23% more than the typical driver in the state. The average driver in Alta Loma can expect to pay about $1,035 per year, or $1,963 for full coverage.

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

Car Insurance Prices by Alta Loma Neighborhood

Alta Loma, Peoria, AZ map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Alta Loma?

The map shows insurance prices in and around Alta Loma, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $103 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,024 to a low of $1,921. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the East parts of Alta Loma.

Pick the Best Car Insurance Company for You in Alta Loma

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 Alta Loma insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Alta Loma

For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $759 over the average Alta Loma car insurance company.

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We use the average good driver, paying $100 per month, as our baseline for pricing in Alta Loma. 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 Alta Loma drivers with accidents on their records

In Alta Loma getting into an accident will raise premiums an average 28% for a yearly cost of $2,744. That's $780 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 $674 over the competition.

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The best car insurance company for Alta Loma drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $410 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 Alta Loma, tickets raise premiums on new quotes about $395. If you have a speeding ticket, we recommend State Farm, Geico, and Nationwide for savings that beat the average insurance cost of $2,358 per year.

The best auto insurance for Alta Loma drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,025 per year in auto insurance premiums, which was $1,062 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 $689 less each year.

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The least expensive car insurance company for new and young drivers in Alta Loma

In Alta Loma, Geico costs young drivers $2,187 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 Alta Loma. With an average cost of $6,493 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 Alta Loma

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $202. State Farm, Geico, and Progressive provided the largest discounts to couples living in Alta Loma.

State Farm gave the largest car insurance discounts to married couples, averaging $386 saved each year compared to an average Alta Loma couple's premiums.

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The cheapest car insurance in Alta Loma for drivers with bad credit

People with poor credit saved an average of $1,084 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,780 every year. Premiums for people with poor credit were about $3,744 in Alta Loma. 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 Alta Loma car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Alta Loma, 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 Alta Loma.

Nationwide was the best company for customer service in Alta Loma 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 Alta Loma, 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 Alta Loma. 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 Alta Loma

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 26% of Alta Loma 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 Alta Loma 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 Alta Loma, 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 Alta Loma

What Influences the Cost of Car Insurance in Alta Loma?

On average, car insurance in Alta Loma 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 Alta Loma is 33 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 Alta Loma 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 C+ according to CrimeGrade.org.
  • Alta Loma is a lightly populated area 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 Alta Loma is $86 per month for minimum coverage and $164 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 Alta Loma driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Alta Loma 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.