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How much is car insurance in Bullhead City?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Bullhead City are about $24 a month cheaper than in the rest of Arizona.
Compared to the national average cost of auto insurance coverage, Bullhead City has lower rates. The average monthly payment in Bullhead City is about $43 less than the rate for the rest of the United States.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. The amount that insurance companies end up charging you is determined by a number of factors. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've broken down average rates for Bullhead City to help you understand what your policy's monthly premium will cost. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, 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. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates creep back up once you hit retirement age in Bullhead City.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in Bullhead City is about $8 per month. Looking at the table above, you can see that female drivers pay around $34 on average, while male drivers typically pay $42 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records can expect to pay much less than those with infractions. Drivers in Bullhead City with a single accident will pay around $40 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $42 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$27|
|15 Years or Older||$35|
The cheapest vehicles to insure in Bullhead City are usually SUVs and cars, with each type typically costing about $36 per month.
SUV owners can expect to pay an average of around $36 a month for their policy, while truck and van drivers are usually around $44 to insure each month.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. 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, those who have settled down into marriage will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Bullhead City follows that pattern, with the difference totaling to around $6 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$46|
Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $8 a month more than drivers who own property in Bullhead City. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Bullhead City, AZ
Recent trends in car insurance for Bullhead City drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Bullhead City, car insurance rates had been decreasing from 2017-2019, before steadying out in 2020. Insurance rates dropped again recently, hitting a low of $34 in 2022.
How does Bullhead City compare to neighboring areas?
Why are car insurance rates in Bullhead City different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a variety of factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Off-street parking access
- General road safety (how many accidents each locality has)
- Community laws
- Amount of drivers
- Crime levels
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. 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 Bullhead City?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But wait! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Bullhead City.
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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 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 Bullhead City different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Bullhead City?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Bullhead City?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 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.
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