Maricopa, AZ Auto Insurance (2024)
The average Maricopa, AZ auto insurance rates are $325 per month. The minimum auto insurance in Maricopa is at least 15/30/10 in coverage to comply with Arizona auto insurance laws. To find the best cheap auto insurance in Maricopa, Arizona, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The average commute length in Maricopa is 37.3 minutes
- The cheapest auto insurance company in Maricopa is Geico
- The most expensive auto insurance company in Maricopa for teen drivers is Farmers
Maricopa, Arizona auto insurance requirements are 15/30/10 according to Arizona auto insurance laws. Finding cheap auto insurance in Maricopa can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Maricopa, Arizona, including driving record, credit, commute time, and more.
Compare auto insurance in Maricopa to other Arizona cities, including Tucson auto insurance rates, Tempe auto insurance rates, and Surprise auto insurance rates to see how Maricopa, Arizona auto insurance rates stack up.
Before you buy Maricopa, Arizona auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Maricopa, Arizona auto insurance quotes.
Minimum Auto Insurance in Maricopa, Arizona
Maricopa, Arizona auto insurance laws require that you have at least the Arizona minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Maricopa, Arizona.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Cheap Maricopa, Arizona Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Maricopa, Arizona are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,697 | $3,697 | $3,598 | $3,598 | $8,117 | $10,524 | $4,144 | $4,511 |
| American Family | $2,922 | $2,922 | $2,680 | $2,680 | $7,617 | $9,900 | $2,922 | $3,441 |
| Farmers | $2,793 | $2,786 | $2,488 | $2,660 | $11,915 | $12,305 | $3,143 | $3,232 |
| Geico | $1,474 | $1,644 | $1,248 | $1,591 | $4,207 | $4,430 | $1,345 | $1,323 |
| Nationwide | $2,477 | $2,524 | $2,208 | $2,344 | $6,166 | $7,924 | $2,863 | $3,102 |
| Progressive | $1,952 | $1,712 | $1,757 | $1,668 | $8,078 | $9,014 | $2,105 | $2,095 |
| State Farm | $2,922 | $2,922 | $2,582 | $2,582 | $9,044 | $11,382 | $3,145 | $3,974 |
| Travelers | $2,010 | $2,115 | $1,879 | $1,996 | $5,952 | $7,531 | $2,124 | $2,232 |
| USAA | $1,540 | $1,542 | $1,442 | $1,455 | $5,797 | $6,655 | $2,023 | $2,168 |
Cheap Maricopa, Arizona Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Maricopa, Arizona is a challenge. Take a look at the annual teen auto insurance rates in Maricopa, Arizona.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,117 | $10,524 |
| American Family | $7,617 | $9,900 |
| Farmers | $11,915 | $12,305 |
| Geico | $4,207 | $4,430 |
| Nationwide | $6,166 | $7,924 |
| Progressive | $8,078 | $9,014 |
| State Farm | $9,044 | $11,382 |
| Travelers | $5,952 | $7,531 |
| USAA | $5,797 | $6,655 |
Cheap Maricopa, Arizona Auto Insurance for Seniors
What are senior auto insurance rates in Maricopa, Arizona? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,598 | $3,598 |
| American Family | $2,680 | $2,680 |
| Farmers | $2,488 | $2,660 |
| Geico | $1,248 | $1,591 |
| Nationwide | $2,208 | $2,344 |
| Progressive | $1,757 | $1,668 |
| State Farm | $2,582 | $2,582 |
| Travelers | $1,879 | $1,996 |
| USAA | $1,442 | $1,455 |
Cheap Maricopa, Arizona Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Maricopa, Arizona compared to the annual auto insurance rates with a clean record in Maricopa, Arizona.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,175 | $5,312 | $6,031 | $5,424 |
| American Family | $3,108 | $4,814 | $6,005 | $3,614 |
| Farmers | $4,363 | $5,632 | $5,499 | $5,167 |
| Geico | $1,674 | $2,261 | $3,023 | $1,674 |
| Nationwide | $3,122 | $3,283 | $4,898 | $3,502 |
| Progressive | $3,130 | $4,123 | $3,303 | $3,634 |
| State Farm | $4,386 | $5,252 | $4,819 | $4,819 |
| Travelers | $2,584 | $3,362 | $3,761 | $3,213 |
| USAA | $2,056 | $2,950 | $3,885 | $2,420 |
Cheap Maricopa, Arizona Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Maricopa, Arizona is not easy. Compare the annual rates for DUI auto insurance in Maricopa, Arizona to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,031 |
| American Family | $6,005 |
| Farmers | $5,499 |
| Geico | $3,023 |
| Nationwide | $4,898 |
| Progressive | $3,303 |
| State Farm | $4,819 |
| Travelers | $3,761 |
| USAA | $3,885 |
Cheap Maricopa, Arizona Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Maricopa, Arizona annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,705 | $4,767 | $4,235 |
| American Family | $5,522 | $4,104 | $3,531 |
| Farmers | $5,898 | $4,920 | $4,678 |
| Geico | $2,962 | $1,946 | $1,565 |
| Nationwide | $4,453 | $3,545 | $3,105 |
| Progressive | $3,953 | $3,457 | $3,232 |
| State Farm | $8,886 | $3,430 | $2,142 |
| Travelers | $3,930 | $3,204 | $2,556 |
| USAA | $3,719 | $2,600 | $2,165 |
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Cheap Maricopa, Arizona Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Maricopa, Arizona can vary. Compare the annual cost of auto insurance by ZIP code in Maricopa, Arizona to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 85138 | $3,876 |
| 85139 | $3,843 |
Cheap Maricopa, Arizona Auto Insurance Rates By Commute
Commute length and annual mileage affect Maricopa, Arizona auto insurance. Find the cheapest annual Maricopa, Arizona auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,236 | $5,236 |
| American Family | $4,342 | $4,429 |
| Farmers | $5,165 | $5,165 |
| Geico | $2,121 | $2,195 |
| Nationwide | $3,701 | $3,701 |
| Progressive | $3,548 | $3,548 |
| State Farm | $4,696 | $4,942 |
| Travelers | $3,230 | $3,230 |
| USAA | $2,797 | $2,858 |
Cheap Maricopa, Arizona Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Maricopa, Arizona? Check out the comparison of annual Maricopa, Arizona auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,926 | $5,264 | $5,517 |
| American Family | $4,242 | $4,526 | $4,388 |
| Farmers | $4,374 | $5,220 | $5,902 |
| Geico | $1,808 | $2,189 | $2,477 |
| Nationwide | $3,550 | $3,738 | $3,815 |
| Progressive | $3,134 | $3,613 | $3,895 |
| State Farm | $4,338 | $4,911 | $5,209 |
| Travelers | $2,851 | $3,286 | $3,552 |
| USAA | $2,608 | $2,866 | $3,010 |
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Best By Category: Cheapest Auto Insurance in Maricopa, Arizona
Compare the cheapest auto insurance companies in Maricopa, Arizona in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Geico |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Geico |
| With 1 Speeding Violation | Geico |
The Cheapest Maricopa, Arizona Auto Insurance Companies
What auto insurance companies in Maricopa, Arizona are the cheapest? Compare the top Maricopa, Arizona auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,236 |
| American Family | $4,385 |
| Farmers | $5,165 |
| Geico | $2,158 |
| Nationwide | $3,701 |
| Progressive | $3,548 |
| State Farm | $4,819 |
| Travelers | $3,230 |
| USAA | $2,828 |
What affects auto insurance rates in Maricopa, Arizona?
There are a lot of reasons why auto insurance rates in Maricopa, Arizona are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Maricopa, Arizona. Many local factors may affect your Maricopa auto insurance rates.
Maricopa Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Maricopa, Arizona auto theft statistics, there have been 33 auto thefts in the city.
Maricopa Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Maricopa, Arizona commute length is 37.3 minutes according to City-Data.
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Compare Maricopa, Arizona Auto Insurance Quotes
Before you buy Maricopa, Arizona auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Maricopa, Arizona auto insurance quotes.
Frequently Asked Questions
What is Maricopa, AZ auto insurance?
Maricopa, AZ auto insurance refers to a type of insurance coverage specifically designed to protect vehicle owners and drivers in the city of Maricopa, Arizona, from financial loss in the event of an accident, theft, or damage to their vehicles. It is a mandatory requirement for all registered vehicles in Maricopa.
What are the minimum auto insurance requirements in Maricopa, AZ?
The minimum auto insurance requirements in Maricopa, AZ, are in accordance with the state of Arizona’s regulations, which include:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $15,000 property damage liability coverage per accident
Can I drive in Maricopa, AZ, without insurance?
No, it is illegal to drive any registered vehicle in Maricopa, AZ, without proper auto insurance coverage. Failing to maintain the required insurance can lead to fines, license suspension, and other penalties.
What is liability coverage?
Liability coverage is a type of insurance that helps protect you financially if you are found responsible for causing injury or property damage to others in an accident. It typically includes bodily injury liability coverage and property damage liability coverage.
Are there any additional auto insurance coverage options in Maricopa, AZ?
Yes, in addition to the minimum required coverage, you have the option to purchase additional coverage such as:
- Collision coverage: Covers damage to your vehicle caused by a collision with another vehicle or object.
- Comprehensive coverage: Protects against damage to your vehicle from non-collision events like theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: Provides coverage if you are involved in an accident with a driver who has no insurance or insufficient insurance.
- Personal injury protection (PIP): Covers medical expenses and other related costs for you and your passengers, regardless of fault.
How are auto insurance rates determined in Maricopa, AZ?
Auto insurance rates in Maricopa, AZ, are determined based on various factors, including your driving record, age, gender, location, type of vehicle, coverage options, and credit history. Insurance companies use these factors to assess the level of risk you present and calculate the premium you will pay.
How are auto insurance rates determined in Maricopa, AZ?
Auto insurance rates in Maricopa, AZ, are determined based on various factors, including your driving record, age, gender, location, type of vehicle, coverage options, and credit history. Insurance companies use these factors to assess the level of risk you present and calculate the premium you will pay.
Are there any discounts available for auto insurance in Maricopa, AZ?
Yes, many insurance companies offer various discounts to help reduce the cost of auto insurance in Maricopa, AZ. Common discounts include good driver discounts, multi-vehicle discounts, bundling policies, discounts for safety features in your vehicle, and discounts for completing driver education courses.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.