Table of contents
How much is car insurance in Laveen?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $11 a month more expensive to insure your vehicle in Laveen than it is in the rest of Arizona.
Compared to the national average cost of auto insurance coverage, Laveen has lower rates. Auto insurance coverage in Laveen is about $8 cheaper than it is for the rest of the U.S.
Although these are the average rates for auto insurance in Laveen, it's important to remember that 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. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Laveen residents so that you can get a more accurate idea of what you might pay. 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 more time you've spent on the road, the more experience you have. When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay $41 more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may rise again in Laveen.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Laveen, male drivers pay about $7 more a month. As you can see in the table above, female drivers in the area typically pay $69 on average, while female drivers typically pay $76 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Laveen, a driving record with one accident will usually get you a rate around $109 a month. In addition, drivers with a single ticket on their record can expect to pay around $126 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$63|
|15 Years or Older||$67|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Laveen, with drivers paying around $63 per month for insurance.
Cars and SUV, on the other hand, usually cost about $74 for insurance coverage.
The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. In Laveen, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$77|
More often than not, those who have settled down into marriage will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Laveen can be as much as $21 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|
One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $17 a month more than if you own your own home in Laveen. But if you live with your parents, you can expect to pay a lot 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 overall costs.
Car Insurance Companies in Laveen, AZ
Recent trends in car insurance for Laveen 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 Laveen, auto insurance rates dropped from 2016-2018, before leveling out in 2019. Car insurance rates had been increasing again recently, reaching a high of $93 in 2021.
How does Laveen compare to neighboring areas?
Why are car insurance rates in Laveen different from other areas?
Car insurance companies look at numerous factors when they're figuring out how much to charge for a policy. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Off-street parking access
- Amount of drivers
- Crime rates
- Road Safety (how many accidents each locality has)
- Local laws
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Laveen?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering policies in Laveen.
Laveen Insurance FAQs
What factors affect car insurance quotes in Laveen?
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 year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Laveen different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Laveen?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Laveen?
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?
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 Laveen 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?