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How much is car insurance in Douglas?
|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 Douglas than it is in the rest of Arizona.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Douglas is rather affordable. The average monthly payment for the U.S. as a whole is about $43 more expensive than in Douglas.
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. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The monthly premium 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.
Don't worry, we've done the work for you and broken down the average rates for Douglas to help you understand what your monthly premium might be. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $19 more than drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Douglas drivers may see their rates creep back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. The difference in Douglas is around $6 a month. Looking at the table above, you can see that female drivers pay around $33 on average, while male drivers typically pay $39 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Douglas with a single accident will pay around $40 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $62.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$34|
The most affordable vehicles to insure in Douglas are usually cars, which run about $35 per month.
SUV owners can expect to pay an average of around $38 a month for their policy, while truck and van drivers are usually around $41 to insure each month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is about 5 years old. In Douglas, the most expensive vehicles to insure are vehicles six-to-seven years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$42|
More often than not, married policyholders will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Douglas as well, where the difference is around $12 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 living situation. Renters can expect to pay around $1 a month less than homeowners in Douglas. But if you live with your parents, you can expect to pay a lot 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 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.
In Douglas, the rates for auto insurance rose from 2016-2018, before leveling out in 2019. Car insurance rates finished down in 2021, at $33 per month
How does Douglas compare to neighboring areas?
Why are car insurance rates in Douglas different from other areas?
There are numerous factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
- Off-street parking accessibility
- Local regulations
- Road Safety (total number of local car accidents)
- Prevalence of crime
- Total number of drivers
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. Knowing 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 Douglas?
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.
Don't worry, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing coverage in Douglas.
Douglas Insurance FAQs
What factors affect car insurance quotes in Douglas?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Douglas 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 Douglas?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Douglas?
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?
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 Douglas 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.