Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.

Get Cheap Car Insurance in Rancho El Dorado, Silver Bell, AZ

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

 

Start Saving

;

The Cheapest Minimum Coverage in Rancho El Dorado

The chart below shows the cheapest car insurance company in Rancho El Dorado 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.

 
Rancho El Dorado Insurer Monthly Cost
Metromile $64
State Farm $65
Mile Auto $82
MetLife $82

Savings for Every Kind of Rancho El Dorado Driver

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

Based on our extensive insurance data, we know the average Rancho El Dorado 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 $731 per year by choosing the right vehicle insurance company. Some Rancho El Dorado residents are paying out over $1,892 extra every year for auto insurance in Rancho El Dorado. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Rancho El Dorado, Silver Bell, AZ Savings / Yr.
Drivers with good records
$731
Drivers with accidents
$650
Drivers with speeding tickets
$395
Drivers with a DUI conviction
$664
Young drivers
$2,108
Married drivers
$372
Drivers with bad credit
$1,045

Rancho El Dorado Car Insurance vs. Silver Bell

People living in Rancho El Dorado pay an average of 4.30% more than the typical driver in the state. The average driver in Rancho El Dorado can expect to pay about $997 per year, or $1,892 for full coverage.

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

Car Insurance Prices by Rancho El Dorado Neighborhood

Rancho El Dorado, Silver Bell, AZ map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Rancho El Dorado?

The map shows insurance prices in and around Rancho El Dorado, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $160 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,933 to a low of $1,773. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Northeast parts of Rancho El Dorado.

Pick the Best Car Insurance Company for You in Rancho El Dorado

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 Rancho El Dorado insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Rancho El Dorado

For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $731 over the average Rancho El Dorado car insurance company.

Visit Site

We use the average good driver, paying $97 per month, as our baseline for pricing in Rancho El Dorado. 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 Rancho El Dorado drivers with accidents on their records

In Rancho El Dorado getting into an accident will raise premiums an average 28% for a yearly cost of $2,644. That's $752 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 $650 over the competition.

Visit Site

The best car insurance company for Rancho El Dorado drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $395 better than other car insurance companies.

Visit Site

Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Rancho El Dorado, tickets raise premiums on new quotes about $381. If you have a speeding ticket, we recommend State Farm, Geico, and Nationwide for savings that beat the average insurance cost of $2,273 per year.

The best auto insurance for Rancho El Dorado drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,915 per year in auto insurance premiums, which was $1,023 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 $664 less each year.

Visit Site

The least expensive car insurance company for new and young drivers in Rancho El Dorado

In Rancho El Dorado, Geico costs young drivers $2,108 less each year versus the average auto insurance bill.

Visit Site

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 Rancho El Dorado. With an average cost of $6,257 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 Rancho El Dorado

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $195. State Farm, Geico, and Progressive provided the largest discounts to couples living in Rancho El Dorado.

State Farm gave the largest car insurance discounts to married couples, averaging $372 saved each year compared to an average Rancho El Dorado couple's premiums.

Visit Site

The cheapest car insurance in Rancho El Dorado for drivers with bad credit

People with poor credit saved an average of $1,045 with Geico.

Visit Site

Many people are surprised that their poor credit score can cost them an average of $1,716 every year. Premiums for people with poor credit were about $3,608 in Rancho El Dorado. 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 Rancho El Dorado car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Rancho El Dorado, 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 Rancho El Dorado.

Nationwide was the best company for customer service in Rancho El Dorado according to the NAIC.

Visit Site

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 Rancho El Dorado, which was better than other insurers.

Visit Site

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 Rancho El Dorado. 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 Rancho El Dorado

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 16% of Rancho El Dorado 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 Rancho El Dorado driver can expect to pay about $130 per month.

Visit Site

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 Rancho El Dorado, 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.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Rancho El Dorado

What Influences the Cost of Car Insurance in Rancho El Dorado?

On average, car insurance in Rancho El Dorado 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 Rancho El Dorado is 49 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 Rancho El Dorado are among the highest 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 C according to CrimeGrade.org.
  • Rancho El Dorado is a lightly populated area in the state. The neighborhood’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 Rancho El Dorado is $83 per month for minimum coverage and $158 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 Rancho El Dorado driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Rancho El Dorado 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.