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Get Cheap Car Insurance in Shumway, AZ

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

 

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The Cheapest Minimum Coverage in Shumway

The chart below shows the cheapest car insurance company in Shumway 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.

 
Shumway Insurer Monthly Cost
Metromile $59
State Farm $59
Mile Auto $75
MetLife $75

Savings for Every Kind of Shumway Driver

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

Based on our extensive insurance data, we know the average Shumway 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 $666 per year by choosing the right vehicle insurance company. Some Shumway residents are paying out over $1,724 extra every year for auto insurance in Shumway. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Shumway, AZ Savings / Yr.
Drivers with good records
$666
Drivers with accidents
$592
Drivers with speeding tickets
$360
Drivers with a DUI conviction
$606
Young drivers
$1,921
Married drivers
$339
Drivers with bad credit
$953

Shumway Car Insurance vs. Arizona

People living in Shumway pay an average of 4.94% less than the typical driver in the state. The average driver in Shumway can expect to pay about $909 per year, or $1,724 for full coverage.

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

Car Insurance Prices by Shumway Neighborhood

Shumway, AZ map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Shumway?

The map shows insurance prices in and around Shumway, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $61 per year within the city boundaries, with insurance premiums ranging from a high of $1,740 to a low of $1,679. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the East parts of Shumway.

Pick the Best Car Insurance Company for You in Shumway

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

The best car insurance provider for most drivers in Shumway

For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $666 over the average Shumway car insurance company.

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We use the average good driver, paying $88 per month, as our baseline for pricing in Shumway. 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 Shumway drivers with accidents on their records

In Shumway getting into an accident will raise premiums an average 28% for a yearly cost of $2,410. That's $685 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 $592 over the competition.

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The best car insurance company for Shumway drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $360 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 Shumway, tickets raise premiums on new quotes about $347. If you have a speeding ticket, we recommend State Farm, Geico, and Nationwide for savings that beat the average insurance cost of $2,071 per year.

The best auto insurance for Shumway drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,657 per year in auto insurance premiums, which was $933 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 $606 less each year.

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

In Shumway, Geico costs young drivers $1,921 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 Shumway. With an average cost of $5,703 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 Shumway

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $178. State Farm, Geico, and Progressive provided the largest discounts to couples living in Shumway.

State Farm gave the largest car insurance discounts to married couples, averaging $339 saved each year compared to an average Shumway couple's premiums.

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The cheapest car insurance in Shumway for drivers with bad credit

People with poor credit saved an average of $953 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,564 every year. Premiums for people with poor credit were about $3,288 in Shumway. 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 Shumway car insurance company for customer service

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

Nationwide was the best company for customer service in Shumway 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 Shumway, 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 Shumway. 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 Shumway

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

What Influences the Cost of Car Insurance in Shumway?

On average, car insurance in Shumway 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 Shumway is 26 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 5 to 6 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Shumway 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.
  • Shumway has an average population density 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 Shumway is $76 per month for minimum coverage and $144 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 Shumway driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Shumway 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.