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How much is car insurance in Apache Junction?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Apache Junction is about $6 a month cheaper than it is for the rest of Arizona.
Likewise, the expected monthly payments for an auto insurance policy in Apache Junction are below the national average. On average, it's about $25 less to insure your vehicle in Apache Junction than it is in the rest of the United States.
Bear in mind that while these rates are the average costs for residents of Apache Junction, it doesn't mean that's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
We've broken down average rates for Apache Junction to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay $46 more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates rise again in Apache Junction.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. While female drivers pay a bit less than male drivers on their monthly auto insurance coverage, the difference in Apache Junction is only about $1 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. The rate for drivers in Apache Junction with a single accident on their record is about $78 a month. Likewise, drivers with one ticket will be looking at a rate of around $59 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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||$52|
In terms of affordable coverage, the cheapest vehicles to insure in Apache Junction are by and large trucks and vans, at $51 per month.
SUV drivers will see rates of about $52 to insure their car, while car owners typically pay around $57 a month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is close to 5 years old. 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)||$58|
More often than not, 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.
According to the table above, the difference in rates based on relationship status in Apache Junction can be as much as $10 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$82|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $9 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.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Apache Junction, AZ
Recent trends in car insurance for Apache Junction drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
The cost of auto insurance in Apache Junction dropped from 2016-2017, before steadying out in 2018. Policy premiums finished down in 2021, at $62 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 several factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Access to off-street parking
- Regional regulations
- Road Safety (total number of local car accidents)
- Number of drivers in the area
- Regional crime rates
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Apache Junction?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com can handle all of this for you. Just enter your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies offering plans in Apache Junction.
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 gender and age, as well as your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Apache Junction different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Apache Junction?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Apache Junction?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Apache Junction or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?