Table of contents
How much is car insurance in Sahuarita?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $6 a month cheaper to insure your vehicle in Sahuarita than it is in the rest of Arizona.
Compared to the national average cost of auto insurance coverage, Sahuarita has lower rates. On average, it's about $25 less to insure your vehicle in Sahuarita than it is in the rest of the United States.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. 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 the bill you'll see each month.
Don't sweat it however, we've broken down the average rate for Sahuarita 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!
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. That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may creep back up a bit in Sahuarita.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in Sahuarita is about $21 per month. As you can see in the table above, male drivers in the area typically pay $66 on average, while female drivers typically pay $45 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Sahuarita, a driving record with one accident will usually get you a rate around $72 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $90.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$23|
|15 Years or Older||$47|
The most affordable vehicles to insure in Sahuarita are usually SUVs, which run about $43 per month.
Car owners can expect to pay an average of around $66 a month for their policy, while truck and van drivers are usually around $44 to insure each month.
You may also see different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is a few years old. The most expensive vehicles to insure in Sahuarita are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$64|
More often than not, married policyholders will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Sahuarita can be as much as $32 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||$102|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $8 a month more than homeowners in Sahuarita. Those who live with their parents, however, 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 Sahuarita, AZ
Recent trends in car insurance for Sahuarita drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
In Sahuarita, the rates for car insurance had been decreasing from 2017-2018, where they hit a high of $90, before steadying out in 2019. Rates went up again in 2020, and finished down at $46 in 2022.
How does Sahuarita compare to neighboring areas?
Why are car insurance rates in Sahuarita different from other areas?
Car insurance companies look at many factors when they're figuring out how much to charge for a policy. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Access to off-street parking
- Regional laws
- Number of drivers in the community
- Road safety
- Crime rates
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 towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Sahuarita?
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. Simply enter your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Sahuarita.
Sahuarita Insurance FAQs
What factors affect car insurance quotes in Sahuarita?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, 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 Sahuarita different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Sahuarita?
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 Sahuarita?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Sahuarita or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.