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How much is car insurance in Queen Creek?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Queen Creek are about $15 a month more expensive than the rest of Arizona.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Queen Creek is rather affordable. Car insurance rates for the U.S. as a whole are, on average, $4 more expensive than the rates you'd pay in Queen Creek.
Bear in mind that while these rates are the average costs for Queen Creek drivers, it doesn't mean that's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. 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 policy payment.
But don't worry, we've broken down the average rate for Queen Creek residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in Queen Creek may see their rates creep back up once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. Male and female drivers in Queen Creek, however, both pay around $76 a month for insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Queen Creek, a driving record with a single accident will usually get you a rate around $95 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $122.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$64|
|15 Years or Older||$68|
In Queen Creek, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $65 per month to insure their vehicle.
Car owners, on the other hand, typically pay around $79 per month, while SUV drivers can expect to pay about $77 a month for insurance.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In Queen Creek, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$82|
Generally, people who are married will pay slightly less for car insurance coverage. 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 Queen Creek is about $15 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$115|
One other element taken into consideration is your living situation. If you rent your home or apartment in Queen Creek, expect to pay around $5 a month more than if you are a homeowner. But if you live with your parents, your rates will be significantly higher.
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 Queen Creek, AZ
Recent trends in car insurance for Queen Creek drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The cost of auto insurance coverage in Queen Creek had been increasing from 2016-2017, before leveling out in 2018. Rates finished up in 2021, at $86 per month
How does Queen Creek compare to neighboring areas?
Why are car insurance rates in Queen Creek different from other areas?
There are a number of factors car insurance companies take into consideration when choosing how much to charge for coverage. Many factors affecting your policy are based around where you call home. These factors include things like:
- Crime rates
- Off-street parking accessibility
- Road Safety (total number of local car accidents)
- Total number of drivers
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Queen Creek?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
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 many of the car insurance companies offering coverage in Queen Creek.
Queen Creek Insurance FAQs
What factors affect car insurance quotes in Queen Creek?
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 address, driving record, credit score, and marital status.
Why is the cost of car insurance in Queen Creek 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 parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Queen Creek?
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 Queen Creek?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Queen Creek 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?