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Get Cheap Car Insurance in Flowing Wells, AZ

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

 

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The Cheapest Minimum Coverage in Flowing Wells

The chart below shows the cheapest car insurance company in Flowing Wells 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.

 
Flowing Wells Insurer Monthly Cost
Metromile $60
State Farm $61
Mile Auto $77
MetLife $77

Savings for Every Kind of Flowing Wells Driver

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

Based on our extensive insurance data, we know the average Flowing Wells 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 $685 per year by choosing the right vehicle insurance company. Some Flowing Wells residents are paying out over $1,773 extra every year for auto insurance in Flowing Wells. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Flowing Wells Car Insurance vs. Arizona

People living in Flowing Wells pay an average of 2.24% less than the typical driver in the state. The average driver in Flowing Wells can expect to pay about $935 per year, or $1,773 for full coverage.

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

Car Insurance Prices by Flowing Wells Neighborhood

Flowing Wells, AZ map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Flowing Wells?

The map shows insurance prices in and around Flowing Wells, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $162 per year within the city boundaries, with insurance premiums ranging from a high of $1,871 to a low of $1,709. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the West parts of Flowing Wells.

Pick the Best Car Insurance Company for You in Flowing Wells

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

The best car insurance provider for most drivers in Flowing Wells

For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $685 over the average Flowing Wells car insurance company.

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We use the average good driver, paying $91 per month, as our baseline for pricing in Flowing Wells. 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 Flowing Wells drivers with accidents on their records

In Flowing Wells getting into an accident will raise premiums an average 28% for a yearly cost of $2,478. That's $705 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 $609 over the competition.

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The best car insurance company for Flowing Wells drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $371 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 Flowing Wells, tickets raise premiums on new quotes about $357. If you have a speeding ticket, we recommend State Farm, Geico, and Nationwide for savings that beat the average insurance cost of $2,130 per year.

The best auto insurance for Flowing Wells drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,732 per year in auto insurance premiums, which was $959 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 $623 less each year.

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

In Flowing Wells, Geico costs young drivers $1,976 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 Flowing Wells. With an average cost of $5,865 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 Flowing Wells

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $183. State Farm, Geico, and Progressive provided the largest discounts to couples living in Flowing Wells.

State Farm gave the largest car insurance discounts to married couples, averaging $349 saved each year compared to an average Flowing Wells couple's premiums.

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The cheapest car insurance in Flowing Wells for drivers with bad credit

People with poor credit saved an average of $980 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,608 every year. Premiums for people with poor credit were about $3,381 in Flowing Wells. 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 Flowing Wells car insurance company for customer service

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

Nationwide was the best company for customer service in Flowing Wells 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 Flowing Wells, 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 Flowing Wells. 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 Flowing Wells

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 30% of Flowing Wells 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 Flowing Wells 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 Flowing Wells, 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 Flowing Wells

What Influences the Cost of Car Insurance in Flowing Wells?

On average, car insurance in Flowing Wells is actually less expensive than the rest of the state. These low 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 Flowing Wells is 25 minutes, which is far less 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 Flowing Wells are lower than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
  • Flowing Wells 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 Flowing Wells is $78 per month for minimum coverage and $148 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

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