Best Cheap Auto Insurance in Elgin, AZ (2021)

The average Elgin, AZ auto insurance rates are $282 per month. The minimum auto insurance in Elgin is at least 15/30/10 in coverage to comply with Arizona auto insurance laws. To find the best cheap auto insurance in Elgin, Arizona, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Elgin, AZ for senior drivers are $1,958 per year
  • The most expensive auto insurance company in Elgin for teen drivers is Farmers
  • The cheapest auto insurance company in Elgin is GEICO

Elgin, Arizona auto insurance requirements are 15/30/10 according to Arizona auto insurance laws. Finding cheap auto insurance in Elgin 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 Elgin, Arizona, including driving record, credit, commute time, and more.

Compare auto insurance in Elgin to other Arizona cities, including Tempe auto insurance rates, Chandler auto insurance rates, and Mesa auto insurance rates to see how Elgin, Arizona auto insurance rates stack up.

Before you buy Elgin, Arizona auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Elgin, Arizona auto insurance quotes.

Minimum Auto Insurance in Elgin, Arizona

Elgin, 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 Elgin, Arizona.

Minimum Required Auto Insurance Coverage in Elgin, 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 Elgin, Arizona Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Elgin, Arizona are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Elgin, Arizona

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 $2,849 $2,849 $2,775 $2,775 $6,299 $8,205 $3,203 $3,492
American Family $2,593 $2,593 $2,380 $2,380 $6,806 $8,846 $2,593 $3,056
Farmers $2,390 $2,383 $2,137 $2,258 $9,498 $9,819 $2,707 $2,829
GEICO $1,317 $1,460 $1,098 $1,380 $3,702 $3,915 $1,208 $1,201
Nationwide $2,294 $2,345 $2,047 $2,178 $5,531 $7,116 $2,633 $2,853
Progressive $1,814 $1,600 $1,625 $1,546 $7,315 $8,176 $1,960 $1,966
State Farm $2,728 $2,728 $2,403 $2,403 $8,320 $10,440 $2,934 $3,704
Travelers $1,469 $1,540 $1,361 $1,442 $4,157 $5,173 $1,550 $1,627
USAA $1,629 $1,630 $1,526 $1,538 $6,185 $7,064 $2,143 $2,287

Cheap Elgin, Arizona Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Elgin, Arizona is a challenge. Take a look at the annual teen auto insurance rates in Elgin, Arizona.

Annual Auto Insurance Rates for Teen Drivers in Elgin, Arizona

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,299 $8,205
American Family $6,806 $8,846
Farmers $9,498 $9,819
GEICO $3,702 $3,915
Nationwide $5,531 $7,116
Progressive $7,315 $8,176
State Farm $8,320 $10,440
Travelers $4,157 $5,173
USAA $6,185 $7,064

Cheap Elgin, Arizona Auto Insurance for Seniors

What are senior auto insurance rates in Elgin, Arizona? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Elgin, Arizona

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,775 $2,775
American Family $2,380 $2,380
Farmers $2,137 $2,258
GEICO $1,098 $1,380
Nationwide $2,047 $2,178
Progressive $1,625 $1,546
State Farm $2,403 $2,403
Travelers $1,361 $1,442
USAA $1,526 $1,538

Cheap Elgin, 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 Elgin, Arizona compared to the annual auto insurance rates with a clean record in Elgin, Arizona.

Annual Elgin, Arizona Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,254 $4,103 $4,668 $4,199
American Family $2,758 $4,325 $5,333 $3,207
Farmers $3,596 $4,618 $4,505 $4,291
GEICO $1,495 $2,004 $2,647 $1,495
Nationwide $2,850 $2,997 $4,457 $3,194
Progressive $2,872 $3,762 $3,033 $3,334
State Farm $4,062 $4,853 $4,457 $4,457
Travelers $1,842 $2,391 $2,638 $2,288
USAA $2,179 $3,131 $4,125 $2,565

Cheap Elgin, Arizona Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Elgin, Arizona is not easy. Compare the annual rates for DUI auto insurance in Elgin, Arizona to find the best deal.

Annual Auto Insurance Rates After a DUI in Elgin, Arizona

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,668
American Family $5,333
Farmers $4,505
GEICO $2,647
Nationwide $4,457
Progressive $3,033
State Farm $4,457
Travelers $2,638
USAA $4,125

Cheap Elgin, Arizona Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Elgin, Arizona annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Elgin, Arizona

Insurance Company Poor Fair Good
Allstate $5,194 $3,703 $3,271
American Family $4,915 $3,655 $3,147
Farmers $4,868 $4,043 $3,847
GEICO $2,617 $1,724 $1,389
Nationwide $4,068 $3,227 $2,829
Progressive $3,634 $3,164 $2,952
State Farm $8,174 $3,188 $2,011
Travelers $2,780 $2,278 $1,812
USAA $3,936 $2,761 $2,303

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Cheap Elgin, Arizona Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Elgin, Arizona can vary. Compare the annual cost of auto insurance by ZIP code in Elgin, Arizona to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Elgin, Arizona

ZIP Code Average Annual Rates
85611 $3,355

Cheap Elgin, Arizona Auto Insurance Rates By Commute

Commute length and annual mileage affect Elgin, Arizona auto insurance. Find the cheapest annual Elgin, Arizona auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Elgin, Arizona

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,056 $4,056
American Family $3,868 $3,944
Farmers $4,253 $4,253
GEICO $1,877 $1,943
Nationwide $3,374 $3,374
Progressive $3,250 $3,250
State Farm $4,347 $4,567
Travelers $2,290 $2,290
USAA $2,968 $3,033

Cheap Elgin, Arizona Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Elgin, Arizona? Check out the comparison of annual Elgin, Arizona auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Elgin, Arizona

Insurance Company Low Medium High
Allstate $3,837 $4,071 $4,260
American Family $3,767 $4,031 $3,920
Farmers $3,775 $4,289 $4,694
GEICO $1,643 $1,934 $2,153
Nationwide $3,279 $3,400 $3,445
Progressive $2,931 $3,299 $3,521
State Farm $4,019 $4,532 $4,821
Travelers $2,080 $2,322 $2,468
USAA $2,744 $3,045 $3,211

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Best By Category: Cheapest Auto Insurance in Elgin, Arizona

Compare the cheapest auto insurance companies in Elgin, Arizona in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Elgin, Arizona

Category Insurance Company
Teenagers GEICO
Seniors GEICO
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Travelers
With 1 Speeding Violation GEICO

The Cheapest Elgin, Arizona Auto Insurance Companies

What auto insurance companies in Elgin, Arizona are the cheapest? Compare the top Elgin, Arizona auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Elgin, Arizona

Insurance Company Average Annual Rates
Allstate $4,056
American Family $3,906
Farmers $4,253
GEICO $1,910
Nationwide $3,374
Progressive $3,250
State Farm $4,457
Travelers $2,290
USAA $3,000

What affects auto insurance rates in Elgin, Arizona?

There are a lot of reasons why auto insurance rates in Elgin, Arizona are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Elgin, Arizona. Many local factors may affect your Elgin auto insurance rates.

Elgin Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Elgin, Arizona commute length is 40.7 minutes according to City-Data.

Elgin Traffic

How does Elgin, Arizona rank for traffic? According to Inrix Elgin, Arizona is the 862nd most congested worldwide.

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Compare Elgin, Arizona Auto Insurance Quotes

Before you buy Elgin, Arizona auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Elgin, Arizona auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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