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How much is car insurance in Sahuarita?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Arizona is about $4 a month more expensive than it is in Sahuarita.
Likewise, when compared to the national average, the cost for auto insurance in Sahuarita is lower. The average monthly payment in Sahuarita is about $23 less than the rate for the rest of the United States.
While these numbers represent the average monthly payments for coverage in Sahuarita, that doesn't mean it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
Don't worry, we've done the work for you and broken down average rates for Sahuarita to help you get a more accurate idea of what you'll be charged for your policy. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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 experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may climb back up in Sahuarita.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Sahuarita, this difference shakes out to about $23 per month. As illustrated in the table above, female drivers in the area pay about $45 on average, while male drivers pay around $68 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
|1 Ticket||Not Enough Data|
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Sahuarita, having a single accident on your record will usually get you rates around $73 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$23|
|15 Years or Older||$48|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Sahuarita, with drivers paying around $38 per month for insurance coverage.
SUV drivers will see rates of about $43 to insure their car, while car owners by and large pay around $67 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. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Sahuarita, 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)||$65|
More often than not, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Sahuarita can be as much as $33 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$102|
Another factor that comes into play is your housing situation. Drivers who own property in Sahuarita can expect to pay around $9 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Sahuarita, AZ
Recent trends in car insurance for Sahuarita drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
Auto insurance rates in Sahuarita rose from 2016-2018, where they hit a high of $90, before steadying out in 2019. Car insurance rates went up once again in 2020, and have continued rising through 2021, where they reached $54 per month.
How does Sahuarita compare to neighboring areas?
Why are car insurance rates in Sahuarita different from other areas?
There are a lot of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Local regulations
- Availability of off-street parking
- Number of drivers
- Road Safety (total number of local car accidents)
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about 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 Sahuarita?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But wait! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer policies in Sahuarita.
Sahuarita Insurance FAQs
What factors affect car insurance quotes in Sahuarita?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Sahuarita 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 local laws, parking situations, 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 Sahuarita?
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 Sahuarita?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Sahuarita or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?