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How much is car insurance in Sierra Vista?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Arizona, coverage in Sierra Vista is about $22 a month cheaper.
Likewise, the expected monthly payments for an auto insurance policy in Sierra Vista are below the national average. On average, it's about $41 less to insure your vehicle in Sierra Vista than it is in the rest of the United States.
Although these are the average monthly costs for an auto insurance policy in Sierra Vista, 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 gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
We've done the heavy lifting for you and broken down the average rate for Sierra Vista so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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 on the roads, right? When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may begin to increase again in Sierra Vista.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Sierra Vista, although women do pay a little bit less on their monthly insurance rates, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay less than those with multiple infractions. In Sierra Vista, a driving record with one accident will usually get you a rate around $61 a month. Similarly, drivers with one ticket will typically pay around $46 on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$33|
|15 Years or Older||$40|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Sierra Vista, with drivers paying around $32 per month for insurance coverage.
Car owners can expect to pay an average of around $42 a month for their policy, while SUVs usually cost around $40 a month to insure.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Sierra Vista, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$44|
On average, people who are married will pay slightly less for auto insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Sierra Vista is no exception, with the difference totaling to around $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$59|
Another factor that comes into play is your housing situation. In Sierra Vista, homeowners can expect to pay around $11 a month less than those who rent. But if you live with your parents, you 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 Sierra Vista, AZ
Recent trends in car insurance for Sierra Vista 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 choosing your car insurance policy.
Car insurance rates in Sierra Vista decreased from 2017-2018, when they hit a low of $34. This shifted in 2019, when car insurance rates started to rise. They reached a high of $47 in 2021, and finished down in 2022, at $39 per month.
How does Sierra Vista compare to neighboring areas?
Why are car insurance rates in Sierra Vista different from other areas?
Car insurance companies will take into account a number of factors when choosing how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Prevalence of crime
- Amount of drivers in the region
- Regional regulations
- Amount of off-street parking
- Road Safety (frequency of car accidents)
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Sierra Vista?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Sierra Vista.
Sierra Vista Insurance FAQs
What factors affect car insurance quotes in Sierra Vista?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Sierra Vista different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Sierra Vista?
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 Sierra Vista?
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 Sierra Vista 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.