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 Cave Creek, AZ

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

 

Start Saving

;

The Cheapest Minimum Coverage in Cave Creek

The chart below shows the cheapest car insurance company in Cave Creek 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.

 
Cave Creek Insurer Monthly Cost
Metromile $64
State Farm $65
Mile Auto $82
MetLife $82

Savings for Every Kind of Cave Creek Driver

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

Based on our extensive insurance data, we know the average Cave Creek 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 $728 per year by choosing the right vehicle insurance company. Some Cave Creek residents are paying out over $1,883 extra every year for auto insurance in Cave Creek. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Cave Creek, AZ Savings / Yr.
Drivers with good records
$728
Drivers with accidents
$647
Drivers with speeding tickets
$393
Drivers with a DUI conviction
$661
Young drivers
$2,098
Married drivers
$371
Drivers with bad credit
$1,040

Cave Creek Car Insurance vs. Arizona

People living in Cave Creek pay an average of 3.79% more than the typical driver in the state. The average driver in Cave Creek can expect to pay about $992 per year, or $1,883 for full coverage.

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

Car Insurance Prices by Cave Creek Neighborhood

Cave Creek, AZ map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Cave Creek?

The map shows insurance prices in and around Cave Creek, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $216 per year within the city boundaries, with insurance premiums ranging from a high of $1,973 to a low of $1,757. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the North parts of Cave Creek.

Pick the Best Car Insurance Company for You in Cave Creek

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 Cave Creek insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Cave Creek

For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $728 over the average Cave Creek car insurance company.

Visit Site

We use the average good driver, paying $96 per month, as our baseline for pricing in Cave Creek. 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 Cave Creek drivers with accidents on their records

In Cave Creek getting into an accident will raise premiums an average 28% for a yearly cost of $2,631. That's $748 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 $647 over the competition.

Visit Site

The best car insurance company for Cave Creek drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $393 better than other car insurance companies.

Visit Site

Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Cave Creek, tickets raise premiums on new quotes about $379. If you have a speeding ticket, we recommend State Farm, Geico, and Nationwide for savings that beat the average insurance cost of $2,261 per year.

The best auto insurance for Cave Creek drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,901 per year in auto insurance premiums, which was $1,018 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 $661 less each year.

Visit Site

The least expensive car insurance company for new and young drivers in Cave Creek

In Cave Creek, Geico costs young drivers $2,098 less each year versus the average auto insurance bill.

Visit Site

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 Cave Creek. With an average cost of $6,226 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 Cave Creek

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $194. State Farm, Geico, and Progressive provided the largest discounts to couples living in Cave Creek.

State Farm gave the largest car insurance discounts to married couples, averaging $371 saved each year compared to an average Cave Creek couple's premiums.

Visit Site

The cheapest car insurance in Cave Creek for drivers with bad credit

People with poor credit saved an average of $1,040 with Geico.

Visit Site

Many people are surprised that their poor credit score can cost them an average of $1,707 every year. Premiums for people with poor credit were about $3,590 in Cave Creek. 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 Cave Creek car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Cave Creek, 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 Cave Creek.

Nationwide was the best company for customer service in Cave Creek according to the NAIC.

Visit Site

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 Cave Creek, which was better than other insurers.

Visit Site

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 Cave Creek. 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 Cave Creek

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 8.4% of Cave Creek residents who are renting, and don't plan to be in the city or state 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 Cave Creek driver can expect to pay about $130 per month.

Visit Site

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 Cave Creek, 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.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Cave Creek

What Influences the Cost of Car Insurance in Cave Creek?

On average, car insurance in Cave Creek 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 city are influenced by the following factors:

  • The average commute time in Cave Creek is 32 minutes, which is about the national average for a driver in the state.
  • 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 Cave Creek are among the highest 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.
  • Cave Creek is a lightly populated area in the state. The city’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 Cave Creek is $83 per month for minimum coverage and $157 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 Cities

Cities with Similar Populations

* Who is the average Cave Creek driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Cave Creek 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.