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 El Mirage, AZ
We monitor insurance prices, helping the average driver in El Mirage save up to 38.6% on car insurance.
The Cheapest Minimum Coverage in El Mirage
The chart below shows the cheapest car insurance company in El Mirage 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.
| El Mirage Insurer | Monthly Cost |
|---|---|
| Metromile | $68 |
| State Farm | $68 |
| Mile Auto | $86 |
| MetLife | $86 |
Savings for Every Kind of El Mirage Driver
Based on our extensive insurance data, we know the average El Mirage 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 $767 per year by choosing the right vehicle insurance company. Some El Mirage residents are paying out over $1,984 extra every year for auto insurance in El Mirage. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
El Mirage, AZ Savings / Yr. |
|---|---|
$767 |
|
$681 |
|
$415 |
|
$697 |
|
$2,210 |
|
$390 |
|
$1,096 |
El Mirage Car Insurance vs. Arizona
People living in El Mirage pay an average of 9.37% more than the typical driver in the state. The average driver in El Mirage can expect to pay about $1,046 per year, or $1,984 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in El Mirage for most people.
Car Insurance Prices by El Mirage Neighborhood
Insurance Prices
Where is insurance cheapest within El Mirage?
The map shows insurance prices in and around El Mirage, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $261 per year within the city boundaries, with insurance premiums ranging from a high of $2,136 to a low of $1,875. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the West parts of El Mirage.Pick the Best Car Insurance Company for You in El Mirage
The best car insurance provider for most drivers in El Mirage
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $767 over the average El Mirage car insurance company.
The best car insurance provider for El Mirage 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 $681 over the competition.
The best car insurance company for El Mirage drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $415 better than other car insurance companies.
The best auto insurance for El Mirage drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $697 less each year.
The least expensive car insurance company for new and young drivers in El Mirage
In El Mirage, Geico costs young drivers $2,210 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in El Mirage
State Farm gave the largest car insurance discounts to married couples, averaging $390 saved each year compared to an average El Mirage couple's premiums.
The cheapest car insurance in El Mirage for drivers with bad credit
The best El Mirage 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 El Mirage, which was better than other insurers.
The cheapest large national provider in El Mirage
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average El Mirage 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 El Mirage, 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 El Mirage
What Influences the Cost of Car Insurance in El Mirage?
On average, car insurance in El Mirage 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 El Mirage is 37 minutes, which is a little more than 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 El Mirage 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 D according to CrimeGrade.org.
- El Mirage is one of the least populated areas 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 El Mirage is $87 per month for minimum coverage and $165 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
- Youngtown: Insurance costs 1.36% less
- Sun City: Insurance costs 7.01% less
- Surprise: Insurance costs 5.04% less
- Sun City West: Insurance costs 9.38% less
- Luke Afb: Insurance costs 0.71% less
- Peoria: Insurance costs 3.93% less
- Litchfield Park: Insurance costs 3.33% less
- Waddell: Insurance costs 3.78% less
- Glendale: Insurance costs 0.50% less
- Phoenix: Insurance costs 3.63% less
Cities with Similar Populations
- Arnold: Insurance costs 5.29% less
- Roseville: Insurance costs 12.55% less
- Torrington: Insurance costs 0.40% less
- Randolph: Insurance costs 8.82% more
- West Little River: Insurance costs 80.80% more
- Daphne: Insurance costs 19.15% less
- Clemmons: Insurance costs 39.82% less
- Windsor: Insurance costs 10.99% less
- Calumet City: Insurance costs 1.01% less
- Burien: Insurance costs 15.37% less