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Get Cheap Car Insurance in Estrella, Phoenix, AZ

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

 

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The Cheapest Minimum Coverage in Estrella

The chart below shows the cheapest car insurance company in Estrella 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.

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

Savings for Every Kind of Estrella Driver

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

Based on our extensive insurance data, we know the average Estrella 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 Estrella residents are paying out over $2,007 extra every year for auto insurance in Estrella. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Estrella, Phoenix, AZ Savings / Yr.
Drivers with good records
$776
Drivers with accidents
$689
Drivers with speeding tickets
$419
Drivers with a DUI conviction
$705
Young drivers
$2,236
Married drivers
$395
Drivers with bad credit
$1,109

Estrella Car Insurance vs. Phoenix

People living in Estrella pay an average of 10.64% more than the typical driver in the state. The average driver in Estrella can expect to pay about $1,058 per year, or $2,007 for full coverage.

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

Car Insurance Prices by Estrella Neighborhood

Estrella, Phoenix, 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 Estrella?

The map shows insurance prices in and around Estrella, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $486 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,173 to a low of $1,687. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the East parts of Estrella.

Pick the Best Car Insurance Company for You in Estrella

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

The best car insurance provider for most drivers in Estrella

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

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We use the average good driver, paying $103 per month, as our baseline for pricing in Estrella. 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 Estrella drivers with accidents on their records

In Estrella getting into an accident will raise premiums an average 28% for a yearly cost of $2,805. That's $798 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 $689 over the competition.

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The best car insurance company for Estrella drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $419 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 Estrella, 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 $2,411 per year.

The best auto insurance for Estrella drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,092 per year in auto insurance premiums, which was $1,085 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 $705 less each year.

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

In Estrella, Geico costs young drivers $2,236 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 Estrella. With an average cost of $6,638 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 Estrella

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 Estrella.

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

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The cheapest car insurance in Estrella for drivers with bad credit

People with poor credit saved an average of $1,109 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,820 every year. Premiums for people with poor credit were about $3,827 in Estrella. 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 Estrella car insurance company for customer service

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

Nationwide was the best company for customer service in Estrella 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 Estrella, 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 Estrella. 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 Estrella

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 38% of Estrella 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 Estrella 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 Estrella, 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 Estrella

What Influences the Cost of Car Insurance in Estrella?

On average, car insurance in Estrella 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 Estrella is 36 minutes, which is far 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 Estrella are about 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 C- according to CrimeGrade.org.
  • Estrella is one of the most densely populated areas in the state. The neighborhood’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 Estrella 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 Estrella driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Estrella 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.