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How much is car insurance in Buckeye?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Buckeye is in line with pricing for the rest of Arizona.
Drivers relocating from out of state may enjoy some cost savings in Buckeye. The average monthly payment in Buckeye is about $17 less than the rate for the rest of the U.S.
These may be the average auto insurance rates for Buckeye, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've done the heavy lifting for you and broken down the average rate for Buckeye so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
The older you are, the more experience you're likely to have on the roads, right? That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Drivers in Buckeye may see their rates begin to increase again once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in Buckeye is about $8 a month. As you can see in the chart above, car insurance for women in the area typically costs around $60 each month, while men pay $68 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Buckeye with a single accident will pay around $83 a month. In addition, drivers with one ticket can expect to pay around $77 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$91|
|15 Years or Older||$56|
In terms of affordable coverage, the cheapest vehicles to insure in Buckeye are usually trucks and vans, at $57 per month.
SUV drivers will see rates of about $59, while the rates for car owners average out to about $69 per month.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is around 5 years old. In Buckeye, 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)||$70|
More often than not, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The cost of auto insurance in Buckeye reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $18 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. If you rent your home or apartment, expect to pay around $4 a month more than homeowners in Buckeye. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Buckeye, AZ
Recent trends in car insurance for Buckeye drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
In Buckeye, the rates for car insurance increased from 2017-2018, before leveling out in 2019. Car insurance rates went up again, reaching a high of $91 in 2021, and finished down at $45 in 2022.
How does Buckeye compare to neighboring areas?
Why are car insurance rates in Buckeye different from other areas?
Car insurance companies look at several factors when they're figuring out how much to charge for a policy. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- General road safety (how many accidents each locality has)
- Amount of drivers in the region
- Off-street parking accessibility
- Prevalence of crime
- Local laws
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Buckeye?
While getting familiar with 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.
But hold on! Compare.com has you covered. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering policies in Buckeye in no time.
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Buckeye Insurance FAQs
What factors affect car insurance quotes in Buckeye?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Buckeye different from other neighboring cities?
Things like parking situations, local laws, and crime rates, 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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Buckeye?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?
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 Buckeye 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.
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