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Get Cheap Car Insurance in Pan Tak, AZ

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

 

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The Cheapest Minimum Coverage in Pan Tak

The chart below shows the cheapest car insurance company in Pan Tak 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.

 
Pan Tak Insurer Monthly Cost
Metromile $53
State Farm $53
Mile Auto $67
MetLife $67

Savings for Every Kind of Pan Tak Driver

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

Based on our extensive insurance data, we know the average Pan Tak 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 $597 per year by choosing the right vehicle insurance company. Some Pan Tak residents are paying out over $1,544 extra every year for auto insurance in Pan Tak. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Pan Tak Car Insurance vs. Arizona

People living in Pan Tak pay an average of 14.86% less than the typical driver in the state. The average driver in Pan Tak can expect to pay about $814 per year, or $1,544 for full coverage.

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

Car Insurance Prices by Pan Tak Neighborhood

Pan Tak, AZ map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Pan Tak?

The map shows insurance prices in and around Pan Tak, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $21 per year within the city boundaries, with insurance premiums ranging from a high of $1,550 to a low of $1,529. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the East parts of Pan Tak.

Pick the Best Car Insurance Company for You in Pan Tak

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

The best car insurance provider for most drivers in Pan Tak

For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $597 over the average Pan Tak car insurance company.

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We use the average good driver, paying $79 per month, as our baseline for pricing in Pan Tak. 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 Pan Tak drivers with accidents on their records

In Pan Tak getting into an accident will raise premiums an average 28% for a yearly cost of $2,158. That's $614 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 $530 over the competition.

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The best car insurance company for Pan Tak drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $323 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 Pan Tak, tickets raise premiums on new quotes about $311. If you have a speeding ticket, we recommend State Farm, Geico, and Nationwide for savings that beat the average insurance cost of $1,855 per year.

The best auto insurance for Pan Tak drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,380 per year in auto insurance premiums, which was $835 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 $542 less each year.

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

In Pan Tak, Geico costs young drivers $1,721 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 Pan Tak. With an average cost of $5,107 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 Pan Tak

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $159. State Farm, Geico, and Progressive provided the largest discounts to couples living in Pan Tak.

State Farm gave the largest car insurance discounts to married couples, averaging $304 saved each year compared to an average Pan Tak couple's premiums.

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The cheapest car insurance in Pan Tak for drivers with bad credit

People with poor credit saved an average of $853 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,401 every year. Premiums for people with poor credit were about $2,945 in Pan Tak. 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 Pan Tak car insurance company for customer service

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

Nationwide was the best company for customer service in Pan Tak 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 Pan Tak, 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 Pan Tak. 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 Pan Tak

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 40% of Pan Tak 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 Pan Tak 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 Pan Tak, 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 Pan Tak

What Influences the Cost of Car Insurance in Pan Tak?

On average, car insurance in Pan Tak 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 Pan Tak is 36 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 Pan Tak are among the lowest 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.
  • Pan Tak 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 Pan Tak is $68 per month for minimum coverage and $129 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

  • Nortonville: Insurance costs 9.65% less
  • Newhall: Insurance costs 4.53% more
  • Newhouse: Insurance costs 0.97% more
  • Newkirk: Insurance costs 22.02% less
  • Newman: Insurance costs 1.04% less
  • Nimmons: Insurance costs 2.14% more
  • Nimrod: Insurance costs 8.81% more
  • Niter: Insurance costs 29.15% less
  • Noble: Insurance costs 55.12% more
  • Nook: Insurance costs 17.03% less
* Who is the average Pan Tak driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Pan Tak 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.