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Get Cheap Car Insurance in North Rim, AZ

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

 

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The Cheapest Minimum Coverage in North Rim

The chart below shows the cheapest car insurance company in North Rim 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.

 
North Rim Insurer Monthly Cost
Metromile $58
State Farm $59
Mile Auto $74
MetLife $74

Savings for Every Kind of North Rim Driver

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

Based on our extensive insurance data, we know the average North Rim 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 $661 per year by choosing the right vehicle insurance company. Some North Rim residents are paying out over $1,710 extra every year for auto insurance in North Rim. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

North Rim Car Insurance vs. Arizona

People living in North Rim pay an average of 5.71% less than the typical driver in the state. The average driver in North Rim can expect to pay about $901 per year, or $1,710 for full coverage.

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

Car Insurance Prices by North Rim Neighborhood

North Rim, AZ map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within North Rim?

The map shows insurance prices in and around North Rim, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $67 per year within the city boundaries, with insurance premiums ranging from a high of $1,755 to a low of $1,688. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the East parts of North Rim.

Pick the Best Car Insurance Company for You in North Rim

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

The best car insurance provider for most drivers in North Rim

For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $661 over the average North Rim car insurance company.

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We use the average good driver, paying $87 per month, as our baseline for pricing in North Rim. 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 North Rim drivers with accidents on their records

In North Rim getting into an accident will raise premiums an average 28% for a yearly cost of $2,390. That's $680 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 $587 over the competition.

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The best car insurance company for North Rim drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $357 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 North Rim, tickets raise premiums on new quotes about $344. If you have a speeding ticket, we recommend State Farm, Geico, and Nationwide for savings that beat the average insurance cost of $2,055 per year.

The best auto insurance for North Rim drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,636 per year in auto insurance premiums, which was $925 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 $601 less each year.

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

In North Rim, Geico costs young drivers $1,906 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 North Rim. With an average cost of $5,657 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 North Rim

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $176. State Farm, Geico, and Progressive provided the largest discounts to couples living in North Rim.

State Farm gave the largest car insurance discounts to married couples, averaging $337 saved each year compared to an average North Rim couple's premiums.

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The cheapest car insurance in North Rim for drivers with bad credit

People with poor credit saved an average of $945 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,551 every year. Premiums for people with poor credit were about $3,262 in North Rim. 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 North Rim car insurance company for customer service

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

Nationwide was the best company for customer service in North Rim 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 North Rim, 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 North Rim. 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 North Rim

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 47% of North Rim 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 North Rim 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 North Rim, 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 North Rim

What Influences the Cost of Car Insurance in North Rim?

On average, car insurance in North Rim 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 North Rim is 28 minutes, which is a little 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 North Rim are among the lowest 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.
  • North Rim is one of the most densely populated areas in the state. The city’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 North Rim is $75 per month for minimum coverage and $143 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 North Rim driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central North Rim 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.