Maricopa Car Insurance

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

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What Is the Average Cost of Car Insurance in Maricopa?

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 Maricopa typically pay around $112.86 per month compared to the national average of $140.70 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 $140.70
Arizona $116.62
Maricopa, Arizona $112.86

Maricopa, AZ Best Car Insurance Companies

car insurance in Maricopa

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, AssuranceAmerica Protect generally has the most affordable car insurance in Maricopa coming in around $72.54 per month. Other companies to consider if you live in Maricopa is Clearcover with an average cost of $81.17 per month and USAA which typically runs around $100.91 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Maricopa.

RankCompanyAverage Monthly RateComparison State Average
1 AssuranceAmerica Protect $72.54-37.80%
2 Clearcover $81.17-30.40%
3 USAA $100.91-13.47%
4 Mercury Insurance $114.01-2.25%
5 ACCC Insurance Company $114.43-1.88%
6 Ameriprise Group $121.233.95%
7 Mercury $128.6910.34%
8 American Family $128.7710.41%
9 Farm Bureau Mutual (IA Group) $129.1110.71%
10 State Farm $130.5311.93%

How Much is Car Insurance in Maricopa, AZ?

how much is auto insurance in Maricopa

Rates can vary from city to city. The residents of Apache Junction typically pay $100.63 per month while people who live in Casa Grande will pay $107.48 per month on average. See what people pay for car insurance in other cities in Arizona.

Arizona CitiesMonthly Average Rate
Apache Junction $100.63
Casa Grande $107.48
Chandler $119.84
Gilbert $130.04
Glendale $134.16
Maricopa $112.86
Mesa $118.51
Peoria $126.35
Phoenix $138.09
Prescott $84.71
Scottsdale $116.74
Sedona$82.75
Surprise $121.32
Tempe $125.43
Tucson $104.13
Yuma $90.56

Cheap Car Insurance in Maricopa by Zip Codes

find cheap auto insurance in Maricopa

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.

Maricopa, AZ ZIP CodeAverage Monthly Rate
85138$112.30
85139$113.67
85210$187.04
85238$164.42

Car Insurance Rates by Driver's Age Group in Maricopa

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $212.27 per month in Maricopa. Compare that to drivers in their 30’s who typically pay around $112.39 per month drivers in their 40s at $100.95 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$212.27
20s$167.65
30s$112.39
40s$100.95
50s$83.38
60s$84.12
70+$94.02

Cheapest Insurance for Teenage Drivers in Maricopa

If you are teen in Maricopa 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, Clearcover typically charges around $92.89 per month. This is likely the most affordable option in Maricopa. You might also want to consider Mercury Insurance and Dairyland Scored who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Clearcover$92.89
Mercury Insurance$139.42
Dairyland Scored$218.67
Country$226.20
ACCC Insurance Company$231.10

Cheapest Insurance for 20 Year-olds in Maricopa

20 year-olds in Maricopa might want to consider Clearcover who, on average, offers car insurance rates around $104.74 per month. USAA , ACCC Insurance Company , Ameriprise Group and American Family are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Clearcover$104.74
USAA$146.30
ACCC Insurance Company$164.31
Ameriprise Group$168.50
American Family$171.11

Cheapest Insurance for 30 Year-olds in Maricopa

If you are in your 30s in Maricopa our research has found that Hallmark Insurance Group typically has the most affordable coverage coming in around $71.17 per month, followed by USAA at $96.59 and ACCC Insurance Company at $111.57.

CompanyAverage Monthly Rate
Hallmark Insurance Group$71.17
USAA$96.59
ACCC Insurance Company$111.57
Clearcover$113.25
American Family$115.97

Cheapest Insurance for 40 Year-olds in Maricopa

On average, Clearcover offers car insurance for 40 year-olds in Maricopa for around $64.79 per month. If you are looking for affordable coverage, you may also want to consider USAA or American Family. The full list of top companies is below.

CompanyAverage Monthly Rate
Clearcover$64.79
USAA$96.10
American Family$109.65
Mercury Insurance$110.36
ACCC Insurance Company$110.63

Cheapest Insurance for 50 Year-olds in Maricopa

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Maricopa we found that Ameriprise Group generally offers the most affordable coverage at $56.67 per month.

CompanyAverage Monthly Rate
Ameriprise Group$56.67
Mercury Insurance$64.01
Clearcover$66.00
USAA$77.80
Kemper Premium$79.08

Cheapest Insurance for 60 Year-olds in Maricopa

If you live in Maricopa and you’re in your 60s, our data indicates that Clearcover usually has the best rates at $69.82 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Clearcover$69.82
AssuranceAmerica Protect$72.54
AssuranceAmerica$72.63
USAA$73.25
Mercury$82.03

Driver's Coverage Auto Insurance Rates in Maricopa, 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 Maricopa, the average monthly rate for a driver who is currently insured is $108.47 while drivers who are not currently covered will pay around $119.35.

CoverageAverage Monthly Rate
Not Currently Insured $119.35
Currently Insured $108.47

Compare Recent Car Insurance Quotes in Maricopa

auto insurance quotes in Maricopa 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 Maricopa a driver of a 2010 Honda Cr-V can expect to pay around $91.82 per month while someone that owns a 2020 Audi Q5 may pay around $203.58 per month. Check out the list of recent quotes in Maricopa below.

VehicleAverage Monthly Rate
2010 Honda Cr-V$91.82
2020 Audi Q5$203.58
2014 Ford Edge$79.15
2014 Volkswagen Eos$515.53
1992 Chevrolet Corvette$208.41
2017 Ford Explorer$103.76
2007 Ford Focus$137.16
2018 Nissan Altima$410.67
2020 Dodge Charger$455.10

FAQ's for Drivers in Maricopa, AZ

driver’s frequently asked question in Maricopa

What Is the Minimum Liability Coverage Requirement in Maricopa, 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 Maricopa, 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.

Check Out Other Rates in Maricopa, AZ Nearby Cities:

Avondale, AZ

Glendale, AZ

Scottsdale, AZ

Buckeye, AZ

Goodyear, AZ

Tempe, AZ

Casa Grande, AZ

Mesa, AZ

 

Chandler, AZ

Peoria, AZ

 

Gilbert, AZ

Phoenix, AZ

 

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Commute Time in Maricopa, AZ

35 Miles
map

Commute Time in United States

26.4 Miles
people

Number of Nearest Insurance Agents in Maricopa, AZ

229

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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