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Apache Junction Car Insurance

How much does car insurance cost in Apache Junction, AZ? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Apache Junction?

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 $97.15 per month compared to the national average of $135.06 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.

AreaAverage Monthly Rate
National $135.06
Arizona $107.55
Apache Junction, Arizona $97.15

Apache Junction, AZ Best Car Insurance Companies

car insurance in Apache Junction

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 $105.50 per month. Other companies to consider if you live in Apache Junction is USAA with an average cost of $106.42 per month and Farm Bureau Mutual (IA Group) which typically runs around $110.76 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Apache Junction.

RankCompanyAverage Monthly RateComparison State Average
1 SAFECO $105.50-1.91%
2 USAA $106.42-1.05%
3 Farm Bureau Mutual (IA Group) $110.762.98%
4 ACCC Insurance Company $112.975.04%
5 Ameriprise Group $122.5513.94%
6 State Farm $134.7125.26%
7 CSAA $138.6428.90%
8 Travelers $148.3737.95%
9 American Family $153.6242.83%
10 Country $155.9344.98%

How Much is Car Insurance in Apache Junction, AZ?

how much is auto insurance in Apache Junction

Rates can vary from city to city. The residents of Apache Junction typically pay $96.96 per month while people who live in Glendale will pay $122.94 per month on average. See what people pay for car insurance in other cities in Arizona.

Arizona CitiesMonthly Average Rate
Apache Junction $96.96
Glendale $122.94
Mesa $108.54
Phoenix $120.37
Scottsdale $102.83
Tucson $97.50

Cheap Car Insurance in Apache Junction by Zip Codes

find cheap auto insurance in Apache Junction

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.

Apache Junction, AZ ZIP CodeAverage Monthly Rate
85117$56.00
85119$106.14
85120$92.06

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 $163.00 per month in Apache Junction. Compare that to drivers in their 30’s who typically pay around $92.17 per month drivers in their 40s at $86.26 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.

Age GroupAverage Monthly Rate
16-19$163.00
20s$153.46
30s$92.17
40s$86.26
50s$76.25
60s$65.75
70+$88.19

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, Ameriprise Group typically charges around $211.33 per month. This is likely the most affordable option in Apache Junction. You might also want to consider CSAA and Farm Bureau Mutual (IA Group) who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Ameriprise Group$211.33
CSAA$212.28
Farm Bureau Mutual (IA Group)$234.83
ACCC Insurance Company$261.28
Country$286.67

Cheapest Insurance for 20 Year-olds in Apache Junction

20 year-olds in Apache Junction might want to consider USAA who, on average, offers car insurance rates around $144.89 per month. Farm Bureau Mutual (IA Group) , CSAA , ACCC Insurance Company and Travelers are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$144.89
Farm Bureau Mutual (IA Group)$147.32
CSAA$164.67
ACCC Insurance Company$165.58
Travelers$184.67

Cheapest Insurance for 30 Year-olds in Apache Junction

If you are in your 30s in Apache Junction our research has found that SAFECO typically has the most affordable coverage coming in around $53.67 per month, followed by Ameriprise Group at $68.17 and USAA at $73.14.

CompanyAverage Monthly Rate
SAFECO$53.67
Ameriprise Group$68.17
USAA$73.14
Farm Bureau Mutual (IA Group)$85.70
State Farm$93.42

Cheapest Insurance for 40 Year-olds in Apache Junction

On average, USAA offers car insurance for 40 year-olds in Apache Junction for around $77.94 per month. If you are looking for affordable coverage, you may also want to consider Farm Bureau Mutual (IA Group) or ACCC Insurance Company. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$77.94
Farm Bureau Mutual (IA Group)$94.44
ACCC Insurance Company$98.08
State Farm$100.00
Esurance$111.86

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 USAA generally offers the most affordable coverage at $59.44 per month.

CompanyAverage Monthly Rate
USAA$59.44
Farm Bureau Mutual (IA Group)$74.97
ACCC Insurance Company$87.83
CSAA$92.22
State Farm$94.03

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 SAFECO usually has the best rates at $39.50 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
SAFECO$39.50
Ameriprise Group$60.17
USAA$65.27
ACCC Insurance Company$67.07
Farm Bureau Mutual (IA Group)$72.80

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

driver's coverage

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 $84.52 while drivers who are not currently covered will pay around $126.37.

CoverageAverage Monthly Rate
Not Currently Insured $126.37
Currently Insured $84.52

Compare Recent Car Insurance Quotes in Apache Junction

auto insurance quotes in Apache Junction city

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 2006 Pontiac Vibe can expect to pay around $61.97 per month while someone that owns a 2017 Chrysler Pacifica may pay around $102.60 per month. Check out the list of recent quotes in Apache Junction below.

VehicleAverage Monthly Rate
2006 Pontiac Vibe$61.97
2017 Chrysler Pacifica$102.60
2007 Ford Explorer$87.22
2019 Toyota Corolla$113.48
2020 Ram 1500$104.17
2020 Hyundai Sonata$100.55
2020 Ford Explorer$105.62
2011 Honda Accord$76.28
2015 Ford Escape$102.58
2007 Ford Explorer Sport Trac$86.07

FAQ's for Drivers in Apache Junction, AZ

driver’s frequently asked question in Apache Junction

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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Commute Time in Apache Junction, AZ

26.6 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Apache Junction, AZ

214

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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