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How much is car insurance in Buckeye?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Buckeye is about $4 a month cheaper than it is for the rest of Arizona.
Likewise, car insurance rates in Buckeye are often favorable when viewed against the rest of the country. It's about $23 cheaper to insure your vehicle in Buckeye compared to the average rate for the United States as a whole.
Bear in mind that while these rates represent the expected monthly payments for drivers in Buckeye, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
Don't worry, we've done the work for you and broken down average rates for Buckeye to help you get a more accurate idea of what you'll be charged for your policy. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Buckeye drivers may see their rates rise again once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. This is true in Buckeye, where male drivers pay about $5 more per month. Looking at the table above, you can see that female drivers pay around $55 on average, while male drivers typically pay $60 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. The rate for drivers in Buckeye with a single accident on their record is about $82 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $136.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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||$85|
|15 Years or Older||$55|
The most affordable vehicles to insure in Buckeye are usually trucks and vans, which run about $52 per month.
SUV drivers will see rates of about $53 to insure their vehicle, while car owners typically pay around $60 a month.
You can also expect to see slightly different rates depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Buckeye are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
More often than not, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
In Buckeye, the difference in rates based on relationship status can be as much as $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$89|
Another factor taken into consideration is your housing situation. In Buckeye, homeowners can expect to pay around $12 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
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 Buckeye, AZ
Recent trends in car insurance for Buckeye 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 Buckeye, auto insurance rates rose from 2016-2018, before steadying out in 2019. Car insurance rates finished down in 2021, at $57 per month
How does Buckeye compare to neighboring areas?
Why are car insurance rates in Buckeye different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Area crime rates
- Amount of drivers in the area
- Local regulations
- Road Safety (frequency of local car accidents)
- Amount of off-street parking
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Buckeye?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies providing policies in Buckeye.
Buckeye Insurance FAQs
What factors affect car insurance quotes in Buckeye?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Buckeye different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Buckeye?
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 Buckeye?
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. 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 Buckeye 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?