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How much is car insurance in Goodyear?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Goodyear is in line with pricing for the rest of Arizona.
Drivers relocating from out of state may enjoy some cost savings in Goodyear. It's about $19 cheaper than the national average to insure your vehicle in Goodyear.
Bear in mind that while these are the average car insurance rates for Goodyear, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
Don't sweat it however, we've broken down the average rate for Goodyear residents based on several different factors so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates climb back up a bit in Goodyear.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Goodyear, the difference is around $13 per month. As you can see in the table above, female drivers in the area typically pay $55 on average, while female drivers typically pay $68 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Goodyear with one accident will pay around $86 a month. Similarly, drivers with one ticket will typically pay around $72 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$51|
|15 Years or Older||$65|
If you look at the first table above, the cheapest vehicles to insure in Goodyear are by and large trucks and vans, at $49 per month.
Car owners can expect to pay an average of around $61 a month for their policy, while SUVs usually cost around $76 a month to insure.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Goodyear, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$66|
Overall, people who are married will pay slightly less to insure their vehicle. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Goodyear can be as much as $5 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$92|
Another factor that comes into play is your housing status. In Goodyear, homeowners can expect to pay around $18 a month less than those who rent. 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 average costs.
Car Insurance Companies in Goodyear, AZ
Recent trends in car insurance for Goodyear drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
Car insurance rates in Goodyear went up from 2017-2018 -- where they hit a high of $75 -- before steadying out in 2019. Policy premiums rose again in 2020, and finished down at $57 in 2022.
How does Goodyear compare to neighboring areas?
Why are car insurance rates in Goodyear different from other areas?
Car insurance companies take in numerous factors when figuring out how much individual insurance policies will cost. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- Regional laws
- Off-street parking accessibility
- Total number of drivers in the community
- Local crime rates
- Road Safety (frequency of local car accidents)
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. 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 Goodyear?
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. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering policies in Goodyear.
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Goodyear Insurance FAQs
What factors affect car insurance quotes in Goodyear?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Goodyear different from other neighboring cities?
Things like crime rates, local laws, and parking situations, 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 Goodyear?
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 Goodyear?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Goodyear or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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