Table of contents
How much is car insurance in Safford?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Safford is about $18 cheaper than it is in the rest of Arizona.
Similarly, the expected monthly payments for an auto insurance policy in Safford are below the national average. The average monthly payment in Safford is about $37 less than the rate for the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Safford, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
Don't sweat it however, we've broken down average rates for Safford 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 for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.
For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Safford may see their rates rise again once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Safford, although men do pay slightly less on their monthly auto insurance coverage, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Safford, drivers with one accident on their record will experience rates around $40 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|4-5 Years||Not Enough Data|
|15 Years or Older||$39|
If you look at the first table above, the cheapest vehicles to insure in Safford are typically trucks and vans, at $29 per month.
SUV drivers will see rates of about $36 for insurance coverage, while car owners usually pay around $46 a month.
Vehicle age has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old however, your rates may start to dip back down a bit. In Safford, vehicles eight-to-ten years old and six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$47|
On average, those who are currently married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Safford can be as much as $12 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$68|
Your housing situation is another component of how insurance companies calculate your monthly rate. In Safford, homeowners can expect to pay around $16 a month less than those who rent. 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 car insurance costs.
Car Insurance Companies in Safford, AZ
Recent trends in car insurance for Safford 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 rates for car insurance in Safford increased from 2016-2017, before turning downward from 2018-2019. They finished down in 2021 at $34 per month.
How does Safford compare to neighboring areas?
Why are car insurance rates in Safford different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Road Safety (total number of local car accidents)
- Rate of crime
- Total number of drivers
- Area laws
- Amount of off-street parking
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 Safford?
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 does all of that work for you. Just type in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing auto coverage in Safford.
Safford Insurance FAQs
What factors affect car insurance quotes in Safford?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Safford different from other neighboring cities?
Local laws, crime rates, and parking situations -- 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 Safford?
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 Safford?
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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Safford or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.