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How much is car insurance in Douglas?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Douglas is about $25 cheaper than it is in the rest of Arizona.
If you're thinking of moving to Douglas from out of state, you may still be in luck. It's around $44 less to insure your vehicle compared to the average rate for the U.S. as a whole.
Keep in mind that these are the average auto insurance rates for Douglas, and that the rate you get could end up being something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've broken down the average rates for Douglas to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates rise again once you hit retirement in Douglas.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Douglas, this difference shakes out to about $6 a month. As you can see in the chart above, car insurance for women in the area typically costs around $33 each month, while men pay $39 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
Your driving record can have a huge impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Douglas with a single accident on their record will usually see rates around $40 a month. Likewise, drivers with one ticket will be looking at a rate of around $39 a month on average.
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||Not Enough Data|
|15 Years or Older||$34|
According to the first table above, cars are usually the cheapest vehicles to insure in Douglas, with drivers paying around $35 per month to insure their vehicle.
SUV owners will see rates of about $38, while truck and van owners typically pay around $40 per month.
Vehicle age has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. In Douglas, the most expensive vehicles to insure are vehicles six-to-seven years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$41|
Generally speaking, 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.
In Douglas, the difference in rates based on relationship status can be as much as $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$46|
Another factor that comes into play is your housing situation. Homeowners and renters alike can expect to pay about $36 per month for coverage in Douglas.
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 Douglas, AZ
Recent trends in car insurance for Douglas 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.
Auto insurance rates in Douglas had been increasing from 2017-2018, before leveling out in 2019. They finished down in 2022, at $22 a month
How does Douglas compare to neighboring areas?
Why are car insurance rates in Douglas different from other areas?
Car insurance companies look at many factors when they're deciding how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Access to off-street parking
- Area crime rates
- Area laws
- Amount of drivers
- Frequency of car accidents
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Douglas?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from the many car insurance companies providing coverage in Douglas.
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Douglas Insurance FAQs
What factors affect car insurance quotes in Douglas?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Douglas different from other neighboring cities?
Things like parking situations, crime rates, and local laws, 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 Douglas?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Douglas?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Douglas or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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