Apache Junction Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Arizona has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Apache Junction typically pay around $116.69 per month compared to the national average of $167.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Apache Junction, AZ Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Safeco generally has the most affordable car insurance in Apache Junction coming in around $86.69 per month. Other companies to consider if you live in Apache Junction is Clearcover with an average cost of $93.47 per month and USAA which typically runs around $96.72 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Apache Junction.

How Much is Car Insurance in Apache Junction, AZ?

Rates can vary from city to city. The residents of Apache Junction typically pay $116.69 per month while people who live in Casa Grande will pay $135.75 per month on average. See what people pay for car insurance in other cities in Arizona.

Cheap Car Insurance in Apache Junction by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Arizona. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Apache Junction

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $119.28 per month in Apache Junction. Compare that to drivers in their 30’s who typically pay around $107.60 per month drivers in their 40s at $188.45 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Apache Junction

If you are teen in Apache Junction you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Country typically charges around $232.29 per month. This is likely the most affordable option in Apache Junction. You might also want to consider Farm Bureau Mutual (IA Group) and USAA who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Apache Junction

20 year-olds in Apache Junction might want to consider Clearcover who, on average, offers car insurance rates around $100.53 per month. USAA , ACCC Insurance Company , Farm Bureau Mutual (IA Group) and State Farm are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Apache Junction

If you are in your 30s in Apache Junction our research has found that Clearcover typically has the most affordable coverage coming in around $73.65 per month, followed by USAA at $98.39 and Mercury at $112.72.

Cheapest Insurance for 40 Year-olds in Apache Junction

On average, Clearcover offers car insurance for 40 year-olds in Apache Junction for around $45.65 per month. If you are looking for affordable coverage, you may also want to consider USAA or ACCC Insurance Company. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Apache Junction

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Apache Junction we found that Clearcover generally offers the most affordable coverage at $67.03 per month.

Cheapest Insurance for 60 Year-olds in Apache Junction

If you live in Apache Junction and you’re in your 60s, our data indicates that ACCC Insurance Company usually has the best rates at $55.17 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Apache Junction, AZ

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Apache Junction, the average monthly rate for a driver who is currently insured is $121.44 while drivers who are not currently covered will pay around $114.79.

Compare Recent Car Insurance Quotes in Apache Junction

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Apache Junction a driver of a 2009 Nissan Versa can expect to pay around $85.12 per month while someone that owns a 2016 Kia Sportage may pay around $81.73 per month. Check out the list of recent quotes in Apache Junction below.

FAQ's for Drivers in Apache Junction, AZ

What Is the Minimum Liability Coverage Requirement in Apache Junction, AZ?

Every state requires drivers to have a minimum amount of liability coverage. Arizona drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

• $15,000; Bodily injury coverage per person; Coverage for serious or permanent injury or death to a single person
• $30,000; Bodily injury coverage for two or more people; Coverage for serious or permanent injury or death to two or more people in a single accident
• $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Arizona mandates that all motor vehicles operated on roadways be covered by liability insurance through a company authorized to do business in the state. This requirement also pertains to motorcycles, golf carts, and mopeds. Minimum insurance levels in Arizona are $15,000 of bodily injury for one person and $30,000 for two or more people in an accident. The state also requires $10,000 of property damage liability.

What Is the Blood Alcohol Concentration (BAC) limit in Apache Junction, AZ?

It is against the law for anyone to operate a motor vehicle in Arizona with the following BAC percentages:

• .08%+ at 21 years old or older
• .04%+ for commercial vehicle drivers
• Any at under 21 years old

Arizona is a “no-tolerance” state regarding underage drinking; any positive reading, no matter how low the BAC percentage, is grounds for a DUI charge.

The Arizona Motor Vehicle Division classified DUIs by BAC, with a standard DUI requiring a BAC of 0.08% and an extreme DUI requiring a BAC of 0.15%.

Does Arizona allow the use of digital insurance cards?

Yes! Arizona motorists can use digital insurance cards as proof of appropriate coverage when pulled over or for any reason. Most carriers offer this option these days but check with yours to confirm.

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