El Mirage, AZ Car Insurance

Drivers in El Mirage pay around $68 a month for their car insurance. For more information refer to our guide below.
What can El Mirage residents expect to pay for their car insurance? How does El Mirage stack up to the rest of the area, or even Arizona as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in El Mirage?

Area Average Monthly Car Insurance Premium
El Mirage$68
AZ$61
United States$80

Looking at the chart above, you can see that it is around $7 a month more expensive to insure your vehicle in El Mirage than it is in the rest of Arizona.

On the other hand, car insurance rates in El Mirage are often favorable when viewed against the rest of the country. It's about $12 cheaper than the national average to insure your vehicle in El Mirage.

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. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your monthly premium 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 El Mirage to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$107
25-34$57
35-44$56
45-54$48
55-64$59
65+$59

Generally speaking, the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $48 more than drivers of retirement age.

You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, your rates may creep back up a bit in El Mirage.

Average Car Insurance Rates by Gender

Gender Average
Male$61
Female$72

Although female drivers pay, on average, less than male drivers to insure their vehicle, El Mirage actually goes against the grain. While female drivers pay $72 a month for car insurance coverage, males only pay about $61.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$88
Multiple Accidents$113
1 Ticket$126
Multiple Tickets$110

One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay less than those with accidents or violations. In El Mirage, drivers with one accident on their record will experience rates around $88 a month. In addition, drivers with a single ticket on their record can expect to pay around $126 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$54
2-3 Years$76
4-5 Years$48
6-7 Years$66
8-10 Years$73
11-14 Years$69
15 Years or Older$66

According to the first table above, SUVs are by and large the cheapest vehicles to insure in El Mirage, with drivers paying around $64 per month for auto insurance coverage.

Car owners can expect to pay an average of around $67 a month for their policy, while truck and van drivers are usually around $74 to insure each month.

Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In El Mirage, 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)$72
Married$54
Divorced$52
Widowed$67

Generally speaking, married policyholders will pay slightly less for auto insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

The cost of auto insurance in El Mirage reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $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 accommodations. If you rent your home or apartment in El Mirage, expect to pay around $5 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.

Car Insurance Companies in El Mirage, AZ

Recent trends in car insurance for El Mirage 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.

The cost of auto insurance in El Mirage increased from 2016-2018, before leveling out in 2019. Policy premiums went up again recently, reaching a high of $80 in 2021.

How does El Mirage compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review a lot of factors. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:

  • Local regulations
  • Off-street parking access
  • Crime
  • Road safety
  • Total number of drivers in the area

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in El Mirage?

Equipping 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.

Luckily, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing plans in El Mirage.

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El Mirage Insurance FAQs

What factors affect car insurance quotes in El Mirage?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

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?

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 El Mirage?

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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to El Mirage or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes