Sun City, AZ Car Insurance

Drivers in Sun City pay, on average, $56 a month for their car insurance. For more information refer to our guide below.
How does Sun City compare to the surrounding area and the rest of Arizona? What rates should residents of Sun City expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Sun City?

Area Average Monthly Car Insurance Premium
Sun City$56
AZ$61
United States$80

The cost of coverage in Sun City is about $5 a month cheaper than it is for the rest of Arizona.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Sun City is rather affordable. It's about $24 cheaper to insure your vehicle in Sun City compared to the average rate for the United States as a whole.

Bear in mind that while these rates are the average costs for residents of Sun City, it doesn't mean that's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

But don't worry, we've broken down average rates for Sun City residents so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$138
25-34$58
35-44$53
45-54Not Enough Data
55-64$45
65+$52

The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates start to rise again once you hit retirement age in Sun City.

Average Car Insurance Rates by Gender

Gender Average
Male$58
Female$54

In general, women pay slightly less for car insurance than men. In Sun City, this difference shakes out to about $4 per month. As you can see in the chart above, car insurance for women in the area typically costs around $54 each month, while men pay $58 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$62
Multiple Accidents$154
1 TicketNot Enough Data
Multiple Tickets$128

Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Sun City with one accident will pay around $62 a month.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$39
2-3 Years$36
4-5 Years$38
6-7 Years$46
8-10 Years$57
11-14 Years$64
15 Years or Older$54

In Sun City, the cheapest vehicles to insure are typically SUVs, with drivers paying around $49 per month to insure their vehicle.

Truck and van drivers will see rates of about $56, while the rates for car owners average out to about $57 a month.

Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is close to 5 years old. The most expensive vehicles to insure in Sun City are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$59
Married$53
Divorced$49
Widowed$56

On average, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Sun City, with married couples paying about $6 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$49
Rent$54
Live with parents$91

Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $5 a month more than if you own your own home in Sun City. Those who live with their parents, however, can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Sun City, AZ

Recent trends in car insurance for Sun City drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.

In Sun City, the rates for car insurance decreased from 2016-2017, before steadying out in 2018. Rates finished down in 2021, at $45 per month

How does Sun City compare to neighboring areas?

Why are car insurance rates in Sun City different from other areas?

When considering how much to charge for coverage, car insurance companies will review a number of factors. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

  • Total amount of drivers in the community
  • Road Safety (total number of local car accidents)
  • Rate of crime
  • Amount of off-street parking
  • Area regulations

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Sun City?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Don't worry, 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 a number of the car insurance companies offering auto coverage in Sun City.

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Sun City Insurance FAQs

What factors affect car insurance quotes in Sun City?

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 credit score, driving record, address, and marital status.

Why is the cost of car insurance in Sun City different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Sun City?

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 Sun City?

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 Sun City 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?

Find your best rate in just a few minutes