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How much is car insurance in Bullhead City?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $23 a month cheaper to insure your vehicle in Bullhead City than it is in the rest of Arizona.
Compared to the national average cost of auto insurance coverage, Bullhead City has lower rates. It's about $42 cheaper to insure your vehicle in Bullhead City compared to the average rate for the U.S. as a whole.
Although these are the average rates for auto insurance in Bullhead City, it's important to remember that 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. 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 broken down the average rates for Bullhead City to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates begin to increase again in Bullhead City.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Bullhead City, the difference is around $9 a month. Looking at the table above, you can see that female drivers pay around $33 on average, while male drivers typically pay $42 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Bullhead City, a driving record with one accident will usually get you a rate around $40 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $36.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$27|
|15 Years or Older||$35|
As you can see in the first table above, the cheapest vehicles to insure in Bullhead City are typically SUVs and cars, which run about $36 per month.
SUV owners will see rates of about $36, while truck and van owners by and large pay around $48 per month.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is close to 5 years old. In Bullhead City, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$40|
Generally, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Bullhead City is no exception, with the difference totaling to around $6 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$43|
Another factor that comes into play is your housing status. If you rent your home or apartment in Bullhead City, expect to pay around $8 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.
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 Bullhead City, AZ
Recent trends in car insurance for Bullhead City 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.
Car insurance rates in Bullhead City had been increasing from 2016-2017, before taking a downward turn from 2018-2019. They finished down in 2021 at $41 a month.
How does Bullhead City compare to neighboring areas?
Why are car insurance rates in Bullhead City different from other areas?
Car insurance companies will take into account a variety of factors when they're deciding how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:
- Off-street parking access
- Frequency of car accidents
- Amount of drivers in the area
- Crime levels
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. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Bullhead City?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com can handle all of this for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies offering plans in Bullhead City.
Bullhead City Insurance FAQs
What factors affect car insurance quotes in Bullhead City?
Car insurance companies calculate quotes based on a wide array of factors. These include things 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 Bullhead City 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 Bullhead City?
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 Bullhead City?
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 Bullhead City 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.