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How much is car insurance in Apache Junction?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Apache Junction typically costs about $8 a month less than it does in the rest of Arizona.
Similarly, car insurance rates in Apache Junction are more affordable than the national average. On average, it's about $27 less to insure your vehicle in Apache Junction than it is in the rest of the U.S.
While these are the average car insurance rates for Apache Junction, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Apache Junction residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates climb back up a bit once you hit retirement in Apache Junction.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The price to insure your car in Apache Junction, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Apache Junction, having a single accident on your record will usually get you rates around $77 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $71.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$32|
|15 Years or Older||$51|
If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Apache Junction, with drivers paying around $51 per month for insurance coverage.
Truck and van drivers will see rates of about $52, while the rates for car owners average out to about $57 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Apache Junction are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
On average, people who are married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Apache Junction is no exception, with the difference totaling to around $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$82|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $8 a month more than if you own your own home in Apache Junction. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Apache Junction, AZ
Recent trends in car insurance for Apache Junction drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
In Apache Junction, auto insurance rates rose from 2017-2018, before leveling out in 2019. Policy premiums finished up in 2022, at $72 per month
How does Apache Junction compare to neighboring areas?
Why are car insurance rates in Apache Junction different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Regional regulations
- Number of drivers in the area
- Road Safety (frequency of local car accidents)
- Rate of crime
- Availability of off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Apache Junction?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com has you covered. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Apache Junction in no time.
Apache Junction Insurance FAQs
What factors affect car insurance quotes in Apache Junction?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Apache Junction different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Apache Junction?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Apache Junction?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Apache Junction or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?