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How much is car insurance in Safford?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Safford are about $20 a month cheaper than in the rest of Arizona.
Similarly, the expected monthly payments for an auto insurance policy in Safford are below the national average. On average, it's about $39 less to insure your vehicle in Safford than it is in the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Safford, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
Don't worry, we've done the work for you and broken down average rates for Safford to help you get a more accurate idea of what you'll be charged for your policy. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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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 longer you've been driving. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may begin to go back up in Safford.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Safford, however, men actually pay a bit less than female drivers to insure their vehicle.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Safford with one accident will pay around $40 a month. Similarly, drivers with one ticket will typically pay around $43 on average.
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||$38|
The cheapest vehicles to insure in Safford are usually SUVs, with each type typically costing about $35 per month.
Car owners will see rates of about $45, while truck and van owners typically pay around $37 a month.
The age of your vehicle has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium decrease. 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)||$46|
Generally speaking, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Safford is no exception, with the difference totaling to around $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$64|
Your living situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $15 a month more than drivers who own property in Safford. Those who live with their parents, however, can expect to pay a lot more.
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 premiums.
Car Insurance Companies in Safford, AZ
Recent trends in car insurance for Safford drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Safford, the rates for auto insurance rose from 2016-2017, before trending downward from 2018-2019. They finished down in 2021, at $31 per month.
How does Safford compare to neighboring areas?
Why are car insurance rates in Safford different from other areas?
Car insurance companies will take into account a variety of 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:
- Area crime rates
- Access to off-street parking
- Amount of drivers in the community
- Regional regulations
- General road safety (how many accidents each locality has)
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. 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 Safford?
Arming 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.
But hold on! Compare.com has you covered. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer plans in Safford in no time.
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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 you can't control 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?
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 crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Safford?
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 Safford?
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 Safford 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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