Table of contents
How much is car insurance in Avondale?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $11 a month more expensive to insure your vehicle in Avondale than it is in the rest of Arizona.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Avondale is rather affordable. The average monthly payment in Avondale is about $8 less than the rate for the rest of the United States.
While these are the average monthly costs for auto insurance coverage in Avondale, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Avondale so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay two times 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 age, however, you may see your rates begin to go back up in Avondale.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The difference in average rates in Avondale totals about $8 per month. As you can see in the chart above, car insurance for women in the area typically costs around $69 each month, while men pay $77 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records will obviously pay much less than those with infractions. In Avondale, a driving record with one accident will usually get you a rate around $76 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $65.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$91|
|15 Years or Older||$75|
As you can see in the first table above, the cheapest vehicles to insure in Avondale are usually trucks and vans, which run about $61 per month.
SUV drivers will see rates of about $67, while the rates for car owners average out to about $77 a month.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. 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)||$79|
Generally, those who have settled down into marriage will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
In Avondale, the difference in rates based on relationship status can be as much as $20 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$95|
Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $13 a month more than those who own their own home in Avondale. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Avondale, AZ
Recent trends in car insurance for Avondale drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Avondale, the rates for car insurance declined from 2017-2018, before rising from 2019-2021. They finished down in 2022 at $86.
How does Avondale compare to neighboring areas?
Why are car insurance rates in Avondale different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Area laws
- Local crime rates
- Total number of drivers in the region
- Off-street parking availability
- Road safety
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Avondale?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com has you covered. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering policies in Avondale in no time.
Avondale Insurance FAQs
What factors affect car insurance quotes in Avondale?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, 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?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Avondale?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Avondale or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.