El Mirage, AZ Car Insurance

On average, El Mirage drivers pay around $68 a month for their car insurance. We cover plan rates, policies and more in our guide below.
What rates should residents of El Mirage expect to pay for their car insurance? Compared to their surrounding area, how do rates in El Mirage stack up? What about against the rest of Arizona? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in El Mirage?

Area Average Monthly Car Insurance Premium
El Mirage$68
AZ$62
United States$81

Looking at the chart above, you can see that it is around $6 a month more expensive to insure your vehicle in El Mirage than it is in the rest of Arizona.

Compared to the rest of the country, auto insurance in El Mirage is more affordable. You can expect to pay about $13 less for your policy in El Mirage than in the rest of United States.

While these are the average car insurance rates for El Mirage, you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.

Don't sweat it however, we've broken down average rates for El Mirage residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$105
25-34$57
35-44$57
45-54Not Enough Data
55-64$57
65+$59

The older you are, the more experience you're likely to have on the roads, right? That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay $46 more than drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement age your rates may begin to go back up in El Mirage.

Average Car Insurance Rates by Gender

Gender Average
Male$63
Female$72

Although women typically pay less than men do for auto insurance coverage, this is not the case in El Mirage, where female drivers pay around $72 per month while male drivers pay about $63.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$85
Multiple Accidents$109
1 Ticket$72
Multiple Tickets$86

Your driving record can have a huge impact on your car insurance rates. Those with clean records will obviously pay a lot less than those with infractions. In El Mirage, having a single accident on your record will usually get you rates around $85 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $72.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$58
2-3 Years$72
4-5 Years$48
6-7 Years$68
8-10 Years$76
11-14 Years$69
15 Years or Older$66

If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in El Mirage, with drivers paying around $63 per month for insurance coverage.

Truck and van drivers will see rates of about $73 for auto insurance, while car owners typically pay around $67 per month.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in El Mirage are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$72
Married$54
Divorced$51
Widowed$67

On average, those who are currently married will pay slightly less for insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

In El Mirage, the difference in rates based on relationship status can be as much as $18 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$64
Rent$69
Live with parents$95

One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $5 a month more than if you own your own home in El Mirage. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in El Mirage, AZ

Recent trends in car insurance for El Mirage drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

The cost of car insurance in El Mirage increased from 2017-2018, before steadying out in 2019. Rates finished down in 2022, at $59 a month

How does El Mirage compare to neighboring areas?

Why are car insurance rates in El Mirage different from other areas?

Car insurance companies look at many factors when they're deciding how much to charge for a policy. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

  • Total amount of drivers in the community
  • Road Safety (total number of local car accidents)
  • Off-street parking availability
  • Local regulations
  • Rate of crime

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 El Mirage?

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.

Fortunately, Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in El Mirage in no time.

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El Mirage Insurance FAQs

What factors affect car insurance quotes in El Mirage?

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 gender and age, as well as your address, credit score, driving record, and marital status.

Why is the cost of car insurance in El Mirage different from other neighboring cities?

Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in El Mirage?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 El Mirage?

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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to El Mirage 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.

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