Table of contents
How much is car insurance in Cottonwood?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $24 a month cheaper to insure your vehicle in Cottonwood than it is in the rest of Arizona.
When stacked up against the national average, the average monthly policy payment for Cottonwood is more affordable. You can expect to pay about $43 below the national average for auto insurance in Cottonwood.
While these are the average costs to insure your vehicle in Cottonwood, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. 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.
We've analyzed the average rate for Cottonwood and broken down the different factors to help you understand what your monthly bill might look like. 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|
Generally, the older you are, the more experienced you are on the roads. That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay $28 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Cottonwood may see their rates creep back up once they hit retirement.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. Male and female drivers in Cottonwood, however, both pay the same monthly amount to insure their car.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Cottonwood, having a single accident on your record will usually get you rates around $48 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $74.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. 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||$25|
|15 Years or Older||$36|
In Cottonwood, the cheapest vehicles to insure are usually SUVs, with drivers paying around $32 per month for auto insurance coverage.
SUV owners will see rates of about $32, while truck and van owners by and large pay around $41 a month.
You may also see different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if your car is around 5 years old. In Cottonwood, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$40|
More often than not, people who are married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Cottonwood as well, where the difference is around $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$83|
Your housing status is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $1 a month more than homeowners in Cottonwood. But those who live at home with their parents can expect to pay significantly more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
Car Insurance Companies in Cottonwood, AZ
Recent trends in car insurance for Cottonwood drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
Auto insurance rates in Cottonwood had been increasing from 2016-2018, before leveling out in 2019. They finished down in 2021, at $34 per month
How does Cottonwood compare to neighboring areas?
Why are car insurance rates in Cottonwood different from other areas?
Car insurance companies take in several factors when figuring out how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Crime rates
- Area regulations
- Road Safety (total number of local car accidents)
- Number of drivers
- Availability of off-street parking
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. With the knowledge 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 particular neighborhood.
How can I find the cheapest car insurance in Cottonwood?
While knowing 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.
Fortunately, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer coverage in Cottonwood.
Cottonwood Insurance FAQs
What factors affect car insurance quotes in Cottonwood?
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 address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Cottonwood 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 local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Cottonwood?
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 Cottonwood?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Cottonwood or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.