Best Sun City West, Arizona Auto Insurance in 2025
The average Sun City West, AZ auto insurance rates are $306 per month. The minimum auto insurance in Sun City West is at least 15/30/10 in coverage to comply with Arizona auto insurance laws. To find the best cheap auto insurance in Sun City West, Arizona, compare quotes from multiple companies.
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Insurance and Finance Writer
Luke Williams is a finance, insurance, real estate, and home improvement expert based in Philadelphia, Pennsylvania, specializing in writing and researching for consumers. He studied finance, economics, and communications at Pennsylvania State University and graduated with a degree in Corporate Communications. His insurance and finance writing has been featured on Spoxor, The Good Men Project...
Luke Williams
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Kristen Gryglik
Updated October 2024
- The cheapest auto insurance company in Sun City West is Geico
- The most expensive auto insurance company in Sun City West for teen drivers is Farmers
- Average auto insurance rates in Sun City West, AZ for senior drivers are $2,119 per year
Sun City West, Arizona auto insurance requirements are 15/30/10 according to Arizona auto insurance laws. Finding cheap auto insurance in Sun City West 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 Sun City West, Arizona, including driving record, credit, commute time, and more.
Compare auto insurance in Sun City West to other Arizona cities, including Glendale auto insurance rates, Mesa auto insurance rates, and Peoria auto insurance rates to see how Sun City West, Arizona auto insurance rates stack up.
Read More: Best Flagstaff, Arizona Auto Insurance
Before you buy Sun City West, Arizona auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Sun City West, Arizona auto insurance quotes.
Minimum Auto Insurance in Sun City West, Arizona
Sun City West, 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 Sun City West, Arizona.
Minimum Required Auto Insurance Coverage in Sun City West, 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 Sun City West, Arizona Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Sun City West, 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 Sun City West, 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 | $3,423 | $3,423 | $3,336 | $3,336 | $7,454 | $9,629 | $3,827 | $4,159 |
| American Family | $2,759 | $2,759 | $2,534 | $2,534 | $7,447 | $9,786 | $2,759 | $3,219 |
| Farmers | $2,850 | $2,839 | $2,538 | $2,721 | $12,300 | $12,683 | $3,204 | $3,284 |
| Geico | $1,551 | $1,728 | $1,315 | $1,680 | $4,475 | $4,702 | $1,416 | $1,388 |
| Nationwide | $2,257 | $2,288 | $2,026 | $2,135 | $5,648 | $7,190 | $2,613 | $2,814 |
| Progressive | $1,998 | $1,741 | $1,800 | $1,708 | $8,296 | $9,242 | $2,141 | $2,115 |
| State Farm | $2,137 | $2,137 | $1,893 | $1,893 | $6,729 | $8,454 | $2,300 | $2,909 |
| Travelers | $2,004 | $2,107 | $1,877 | $1,994 | $5,964 | $7,555 | $2,115 | $2,222 |
| USAA | $1,498 | $1,509 | $1,392 | $1,422 | $5,351 | $6,190 | $1,964 | $2,126 |
Cheap Sun City West, Arizona Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Sun City West, Arizona is a challenge. Take a look at the annual teen auto insurance rates in Sun City West, Arizona.
Annual Auto Insurance Rates for Teen Drivers in Sun City West, Arizona
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,454 | $9,629 |
| American Family | $7,447 | $9,786 |
| Farmers | $12,300 | $12,683 |
| Geico | $4,475 | $4,702 |
| Nationwide | $5,648 | $7,190 |
| Progressive | $8,296 | $9,242 |
| State Farm | $6,729 | $8,454 |
| Travelers | $5,964 | $7,555 |
| USAA | $5,351 | $6,190 |
Cheap Sun City West, Arizona Auto Insurance for Seniors
What are senior auto insurance rates in Sun City West, Arizona? Take a look at the annual average rates for older drivers.
Annual Auto Insurance Rates for Senior Drivers in Sun City West, Arizona
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,336 | $3,336 |
| American Family | $2,534 | $2,534 |
| Farmers | $2,538 | $2,721 |
| Geico | $1,315 | $1,680 |
| Nationwide | $2,026 | $2,135 |
| Progressive | $1,800 | $1,708 |
| State Farm | $1,893 | $1,893 |
| Travelers | $1,877 | $1,994 |
| USAA | $1,392 | $1,422 |
Cheap Sun City West, 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 Sun City West, Arizona compared to the annual auto insurance rates with a clean record in Sun City West, Arizona.
Annual Sun City West, Arizona Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,846 | $4,899 | $5,555 | $4,993 |
| American Family | $2,990 | $4,648 | $5,786 | $3,474 |
| Farmers | $4,476 | $5,786 | $5,650 | $5,298 |
| Geico | $1,763 | $2,392 | $3,210 | $1,763 |
| Nationwide | $2,863 | $3,009 | $4,419 | $3,194 |
| Progressive | $3,201 | $4,225 | $3,376 | $3,717 |
| State Farm | $3,229 | $3,884 | $3,556 | $3,556 |
| Travelers | $2,583 | $3,361 | $3,764 | $3,212 |
| USAA | $1,959 | $2,784 | $3,681 | $2,302 |
Cheap Sun City West, Arizona Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Sun City West, Arizona is not easy. Compare the annual rates for DUI auto insurance in Sun City West, Arizona to find the best deal.
Annual Auto Insurance Rates After a DUI in Sun City West, Arizona
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,555 |
| American Family | $5,786 |
| Farmers | $5,650 |
| Geico | $3,210 |
| Nationwide | $4,419 |
| Progressive | $3,376 |
| State Farm | $3,556 |
| Travelers | $3,764 |
| USAA | $3,681 |
Cheap Sun City West, Arizona Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Sun City West, Arizona annual auto insurance rates by credit history compare.
Annual Auto Insurance Rates by Credit Score in Sun City West, Arizona
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,159 | $4,397 | $3,914 |
| American Family | $5,304 | $3,957 | $3,412 |
| Farmers | $6,057 | $5,050 | $4,800 |
| Geico | $3,135 | $2,057 | $1,654 |
| Nationwide | $4,044 | $3,236 | $2,833 |
| Progressive | $4,043 | $3,538 | $3,309 |
| State Farm | $6,546 | $2,535 | $1,588 |
| Travelers | $3,930 | $3,202 | $2,558 |
| USAA | $3,547 | $2,459 | $2,038 |
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Cheap Sun City West, Arizona Auto Insurance Rates By Commute
Commute length and annual mileage affect Sun City West, Arizona auto insurance. Find the cheapest annual Sun City West, Arizona auto insurance by commute length.
Annual Auto Insurance Rates by Commute Length in Sun City West, Arizona
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,823 | $4,823 |
| American Family | $4,185 | $4,264 |
| Farmers | $5,302 | $5,302 |
| Geico | $2,245 | $2,320 |
| Nationwide | $3,371 | $3,371 |
| Progressive | $3,630 | $3,630 |
| State Farm | $3,465 | $3,648 |
| Travelers | $3,230 | $3,230 |
| USAA | $2,652 | $2,711 |
Cheap Sun City West, Arizona Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Sun City West, Arizona? Check out the comparison of annual Sun City West, Arizona auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Sun City West, Arizona
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,508 | $4,849 | $5,113 |
| American Family | $4,034 | $4,359 | $4,279 |
| Farmers | $4,457 | $5,360 | $6,090 |
| Geico | $1,914 | $2,319 | $2,613 |
| Nationwide | $3,185 | $3,417 | $3,511 |
| Progressive | $3,159 | $3,703 | $4,028 |
| State Farm | $3,176 | $3,627 | $3,866 |
| Travelers | $2,846 | $3,286 | $3,558 |
| USAA | $2,495 | $2,713 | $2,837 |
Best By Category: Cheapest Auto Insurance in Sun City West, Arizona
Compare the cheapest auto insurance companies in Sun City West, Arizona in each category to find the company with the best rates for your personal needs.
Best Annual Auto Insurance Rates by Company in Sun City West, Arizona
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Geico |
| With 1 Speeding Violation | Geico |
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The Cheapest Sun City West, Arizona Auto Insurance Companies
What auto insurance companies in Sun City West, Arizona are the cheapest? Compare the top Sun City West, Arizona auto insurance companies to find the best annual rates.
Average Annual Auto Insurance Rates by Company in Sun City West, Arizona
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,823 |
| American Family | $4,224 |
| Farmers | $5,302 |
| Geico | $2,282 |
| Nationwide | $3,371 |
| Progressive | $3,630 |
| State Farm | $3,556 |
| Travelers | $3,230 |
| USAA | $2,682 |
What affects auto insurance rates in Sun City West, Arizona?
There are a lot of reasons why auto insurance rates in Sun City West, Arizona are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Sun City West, Arizona. Many local factors may affect your Sun City West auto insurance rates.
Sun City West Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Sun City West, Arizona commute length is 25.1 minutes according to City-Data.
Compare Sun City West, Arizona Auto Insurance Quotes
Before you buy Sun City West, Arizona auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Sun City West, Arizona auto insurance quotes.
Frequently Asked Questions
Can my auto insurance policy cover damage from natural disasters?
Comprehensive coverage often covers damage from natural disasters. Review your policy or consult your insurer for details.
What should I do after a car accident?
Ensure safety, call emergency services if needed, exchange information, gather evidence, and report the accident to your insurance company.
How can I lower my auto insurance rates?
Maintain a clean driving record, bundle policies, increase deductibles, seek discounts, and compare quotes to lower rates.
Can I cancel my auto insurance policy at any time?
In most cases, you can cancel your policy at any time, but check with your insurer for specific guidelines.
What is the difference between a premium and a deductible?
A premium is the amount you pay for coverage, while a deductible is the amount you pay out of pocket before insurance kicks in.
Does auto insurance cover rental cars?
Auto insurance may cover rental cars, but coverage can vary. Check with your insurance provider for details.
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