Table of contents
How much is car insurance in Avondale?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $8 a month more expensive to insure your vehicle in Avondale than it is in the rest of Arizona.
On the other hand, car insurance rates in Avondale are more affordable than the national average. On average, it's about $11 less to insure your vehicle in Avondale than it is in the rest of the U.S.
These may be the average auto insurance rates for Avondale, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. 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.
But don't worry, we've broken down the average rates for Avondale residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates begin to increase again in Avondale.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This is true in Avondale, where women pay around $15 less a month. As you can see in the table above, female drivers in the area typically pay $61 on average, while female drivers typically pay $76 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with clean records can expect to pay significantly less than those with infractions. In Avondale, a driving record with a single accident will usually get you a rate around $74 a month. Similarly, drivers with one ticket will typically pay around $71 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$77|
|15 Years or Older||$67|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Avondale, with drivers paying around $59 per month for auto insurance.
SUV drivers will see rates of about $67 for insurance coverage, while car owners typically pay around $71 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if your car is around 5 years old. In Avondale, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$74|
More often than not, married policyholders will pay slightly less for car insurance. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Avondale follows that pattern, with the difference totaling to around $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$94|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $10 a month more than if you own your own home in Avondale. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
Car Insurance Companies in Avondale, AZ
Recent trends in car insurance for Avondale drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
The rates for auto insurance in Avondale increased from 2016-2017, before leveling out in 2018. Rates have been increasing again recently, and were up to $111 in 2021.
How does Avondale compare to neighboring areas?
Why are car insurance rates in Avondale different from other areas?
There are numerous factors car insurance companies take into consideration when deciding how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Total number of drivers in the community
- Amount of off-street parking
- Area crime rates
- Area regulations
- Road Safety (frequency of car accidents)
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Avondale?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But wait! Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer plans in Avondale in no time.
Avondale Insurance FAQs
What factors affect car insurance quotes in Avondale?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Avondale different from other neighboring cities?
Parking situations, crime rates, and local laws -- 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 Avondale?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Avondale?
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. 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 Avondale or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?