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How much is car insurance in San Tan Valley?
|Area||Average Monthly Car Insurance Premium|
|San Tan Valley||$79|
As you can see, car insurance policies across the rest of Arizona are about $17 a month cheaper than the rates drivers pay in San Tan Valley.
Drivers relocating from out of state may enjoy some cost savings in San Tan Valley. The average monthly payment in San Tan Valley is about $2 cheaper than the rate for the rest of the United States.
These may be the average auto insurance rates for San Tan Valley, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
Don't sweat it however, we've broken down the average rate for San Tan Valley 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 overpaying for your area, 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|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement age, your rates may climb back up in San Tan Valley.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The difference in San Tan Valley is about $6 per month. Based on the chart above, you can see that male drivers pay $82 on average, while female drivers typically pay $76 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in San Tan Valley with a single accident will pay around $110 a month. In addition, drivers with one ticket can expect to pay around $117 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$86|
|15 Years or Older||$75|
If you look at the first table above, the cheapest vehicles to insure in San Tan Valley are typically SUVs, at $67 per month.
Car owners, on the other hand, usually pay around $84 a month, while truck and van drivers can expect to pay about $77 per month to insure their vehicle.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in San Tan Valley are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$89|
Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The cost of auto insurance in San Tan Valley reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $34 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$133|
Your housing situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $19 a month more than drivers who own property in San Tan Valley. But if you live with your parents, you can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in San Tan Valley, AZ
Recent trends in car insurance for San Tan Valley drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In San Tan Valley, the rates for auto insurance declined from 2017-2019, before steadying out in 2020. Rates have been decreasing again recently, and were down to $63 in 2022.
How does San Tan Valley compare to neighboring areas?
Why are car insurance rates in San Tan Valley different from other areas?
Car insurance companies take in several factors when choosing how much individual insurance policies will cost. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Amount of off-street parking
- Total number of drivers in the area
- Area regulations
- Rate of crime
- Road Safety (frequency of local car accidents)
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. With the knowledge 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 San Tan Valley?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies offering coverage in San Tan Valley.
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San Tan Valley Insurance FAQs
What factors affect car insurance quotes in San Tan Valley?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, address, and marital status.
Why is the cost of car insurance in San Tan Valley 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, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in San Tan Valley?
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 San Tan Valley?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to San Tan Valley or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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