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Get Cheap Car Insurance in Old Columbine, AZ

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

 

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The Cheapest Minimum Coverage in Old Columbine

The chart below shows the cheapest car insurance company in Old Columbine 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.

 
Old Columbine Insurer Monthly Cost
Metromile $55
State Farm $56
Mile Auto $70
MetLife $70

Savings for Every Kind of Old Columbine Driver

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

Based on our extensive insurance data, we know the average Old Columbine 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 $627 per year by choosing the right vehicle insurance company. Some Old Columbine residents are paying out over $1,621 extra every year for auto insurance in Old Columbine. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Old Columbine Car Insurance vs. Arizona

People living in Old Columbine pay an average of 10.63% less than the typical driver in the state. The average driver in Old Columbine can expect to pay about $854 per year, or $1,621 for full coverage.

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

Car Insurance Prices by Old Columbine Neighborhood

Old Columbine, AZ map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Old Columbine?

The map shows insurance prices in and around Old Columbine, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $19 per year within the city boundaries, with insurance premiums ranging from a high of $1,627 to a low of $1,608. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the South parts of Old Columbine.

Pick the Best Car Insurance Company for You in Old Columbine

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

The best car insurance provider for most drivers in Old Columbine

For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $627 over the average Old Columbine car insurance company.

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We use the average good driver, paying $83 per month, as our baseline for pricing in Old Columbine. 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 Old Columbine drivers with accidents on their records

In Old Columbine getting into an accident will raise premiums an average 28% for a yearly cost of $2,266. That's $644 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 $557 over the competition.

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The best car insurance company for Old Columbine drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $339 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 Old Columbine, tickets raise premiums on new quotes about $326. If you have a speeding ticket, we recommend State Farm, Geico, and Nationwide for savings that beat the average insurance cost of $1,947 per year.

The best auto insurance for Old Columbine drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,498 per year in auto insurance premiums, which was $877 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 $569 less each year.

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

In Old Columbine, Geico costs young drivers $1,806 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 Old Columbine. With an average cost of $5,362 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 Old Columbine

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $167. State Farm, Geico, and Progressive provided the largest discounts to couples living in Old Columbine.

State Farm gave the largest car insurance discounts to married couples, averaging $319 saved each year compared to an average Old Columbine couple's premiums.

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The cheapest car insurance in Old Columbine for drivers with bad credit

People with poor credit saved an average of $896 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,470 every year. Premiums for people with poor credit were about $3,091 in Old Columbine. 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 Old Columbine car insurance company for customer service

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

Nationwide was the best company for customer service in Old Columbine 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 Old Columbine, 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 Old Columbine. 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 Old Columbine

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 15% of Old Columbine 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 Old Columbine 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 Old Columbine, 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 Old Columbine

What Influences the Cost of Car Insurance in Old Columbine?

On average, car insurance in Old Columbine 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 Old Columbine is 31 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 Old Columbine are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
  • Old Columbine is a fairly densely populated area 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 Old Columbine is $71 per month for minimum coverage and $135 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 Old Columbine driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Old Columbine 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.