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How much is car insurance in Sierra Vista?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Sierra Vista is about $22 cheaper than it is in the rest of Arizona.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Sierra Vista is rather affordable. Car insurance rates for the United States as a whole are, on average, $41 more expensive than the rates you'd pay in Sierra Vista.
While these are the average monthly costs for auto insurance coverage in Sierra Vista, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. 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.
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 more time you have behind the wheel, the more experienced of a driver you should be. That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay $35 more than drivers of retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Sierra Vista drivers may see their rates creep back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Sierra Vista, however, men actually pay a little bit less than female drivers for car insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Sierra Vista with one accident will pay around $62 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $47.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$24|
|15 Years or Older||$38|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Sierra Vista, with drivers paying around $31 per month for auto insurance coverage.
Car owners can expect to pay an average of around $41 a month for their policy, while SUVs usually cost around $40 a month to insure.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Sierra Vista are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$43|
Overall, 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 some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Sierra Vista, with married couples paying about $10 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$59|
Your living accommodations is another factor that affects your monthly rate. Homeowners in Sierra Vista can expect to pay around $10 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Sierra Vista, AZ
Recent trends in car insurance for Sierra Vista 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 Sierra Vista, car insurance rates dropped from 2016-2017, before steadying out in 2018. Car insurance rates rose again recently, hitting a high of $51 in 2021.
How does Sierra Vista compare to neighboring areas?
Why are car insurance rates in Sierra Vista different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:
- Availability of off-street parking
- Community regulations
- Total number of drivers in the community
- Rate of crime
- Road safety
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 Sierra Vista?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Good news! Compare.com will handle the heavy lifting for you. Put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer auto coverage in Sierra Vista.
Sierra Vista Insurance FAQs
What factors affect car insurance quotes in Sierra Vista?
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, address, credit score, and marital status.
Why is the cost of car insurance in Sierra Vista different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
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 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?
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 Sierra Vista 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.