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How much is car insurance in Queen Creek?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Queen Creek is about $15 a month more expensive than the rest of Arizona.
Compared to the national average cost of auto insurance coverage, Queen Creek has lower rates. It's about $4 cheaper than the national average to insure your vehicle in Queen Creek.
Although these are the average rates for auto insurance in Queen Creek, it's important to remember that you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. 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 the average rate for Queen Creek residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Queen Creek drivers may see their rates creep back up once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Queen Creek, male drivers pay about $4 more per month. As you can see in the chart above, car insurance for women in the area typically costs around $75 each month, while men pay $79 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records can expect to pay a lot less than those with infractions. In Queen Creek, a driving record with one accident will usually get you a rate around $97 a month. In addition, drivers with a single ticket on their record can expect to pay around $110 a month on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. 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||$78|
|15 Years or Older||$71|
The most affordable vehicles to insure in Queen Creek are typically trucks and vans, which run about $67 per month.
Car owners will see a monthly premium of about $83, while SUV owners usually pay around $79 a month.
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 close to 5 years old, however, you may see your bill start to shrink a bit. 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)||$83|
Generally, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Queen Creek can be as much as $16 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||$115|
Another factor that comes into play is your living situation. Renters can expect to pay around $8 a month more than homeowners in Queen Creek. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Queen Creek, AZ
Recent trends in car insurance for Queen Creek drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
Car insurance rates in Queen Creek had been decreasing from 2017-2018, when they hit a low of $60. This pattern leveled out in 2021, when they began to rise, and have continued on that road through the present, where insurance rates finished at $90 per month.
How does Queen Creek compare to neighboring areas?
Why are car insurance rates in Queen Creek different from other areas?
Car insurance companies look at a lot of factors when they're choosing how much to charge for a policy. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Total amount of drivers in the area
- Off-street parking accessibility
- Frequency of car accidents
- Community regulations
- Crime rates
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. Get started with a guide like this to get familiar with the average rates of your area.
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.
But wait! Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering coverage in Queen Creek.
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Queen Creek Insurance FAQs
What factors affect car insurance quotes in Queen Creek?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Queen Creek different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws 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 Queen Creek?
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 Queen Creek?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Queen Creek 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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