Best Waddell, Arizona Auto Insurance in 2026
The average Waddell, AZ auto insurance rates are $354 per month. The minimum auto insurance in Waddell is at least 15/30/10 in coverage to comply with Arizona auto insurance laws. To find the best cheap auto insurance in Waddell, Arizona, compare quotes from multiple companies.
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Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Laura Gunn
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Brad Larson
Updated October 2024
- Average auto insurance rates in Waddell, AZ for senior drivers are $2,444 per year
- The minimum auto insurance required in Waddell, Arizona is 15/30/10
- The most expensive auto insurance company in Waddell for teen drivers is Farmers
Waddell, Arizona auto insurance requirements are 15/30/10 according to Arizona auto insurance laws. Finding cheap auto insurance in Waddell 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 Waddell, Arizona, including driving record, credit, commute time, and more.
Compare auto insurance in Waddell to other Arizona cities, including Tempe auto insurance rates, Phoenix auto insurance rates, and Glendale auto insurance rates to see how Waddell, Arizona auto insurance rates stack up.
Before you buy Waddell, Arizona auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Waddell, Arizona auto insurance quotes.
Minimum Auto Insurance in Waddell, Arizona
Waddell, 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 Waddell, Arizona.
Minimum Required Auto Insurance Coverage in Waddell, 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 Waddell, Arizona Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Waddell, 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 Waddell, 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 | $3,921 | $3,921 | $3,816 | $3,816 | $8,526 | $11,028 | $4,384 | $4,766 |
| American Family | $3,083 | $3,083 | $2,830 | $2,830 | $8,225 | $10,774 | $3,083 | $3,607 |
| Farmers | $2,985 | $2,968 | $2,661 | $2,852 | $12,731 | $13,102 | $3,345 | $3,418 |
| Geico | $1,618 | $1,802 | $1,379 | $1,762 | $4,617 | $4,842 | $1,472 | $1,439 |
| Nationwide | $2,717 | $2,763 | $2,428 | $2,571 | $6,802 | $8,715 | $3,145 | $3,401 |
| Progressive | $2,299 | $2,002 | $2,064 | $1,958 | $9,543 | $10,645 | $2,467 | $2,441 |
| State Farm | $3,270 | $3,270 | $2,897 | $2,897 | $10,186 | $12,811 | $3,519 | $4,442 |
| Travelers | $2,086 | $2,195 | $1,944 | $2,067 | $6,156 | $7,779 | $2,206 | $2,319 |
| USAA | $1,716 | $1,728 | $1,594 | $1,626 | $6,256 | $7,187 | $2,262 | $2,436 |
Cheap Waddell, Arizona Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Waddell, Arizona is a challenge. Take a look at the annual teen auto insurance rates in Waddell, Arizona.
Annual Auto Insurance Rates for Teen Drivers in Waddell, Arizona
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,526 | $11,028 |
| American Family | $8,225 | $10,774 |
| Farmers | $12,731 | $13,102 |
| Geico | $4,617 | $4,842 |
| Nationwide | $6,802 | $8,715 |
| Progressive | $9,543 | $10,645 |
| State Farm | $10,186 | $12,811 |
| Travelers | $6,156 | $7,779 |
| USAA | $6,256 | $7,187 |
Cheap Waddell, Arizona Auto Insurance for Seniors
What are senior auto insurance rates in Waddell, Arizona? Take a look at the annual average rates for older drivers.
Annual Auto Insurance Rates for Senior Drivers in Waddell, Arizona
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,816 | $3,816 |
| American Family | $2,830 | $2,830 |
| Farmers | $2,661 | $2,852 |
| Geico | $1,379 | $1,762 |
| Nationwide | $2,428 | $2,571 |
| Progressive | $2,064 | $1,958 |
| State Farm | $2,897 | $2,897 |
| Travelers | $1,944 | $2,067 |
| USAA | $1,594 | $1,626 |
Cheap Waddell, 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 Waddell, Arizona compared to the annual auto insurance rates with a clean record in Waddell, Arizona.
Annual Waddell, Arizona Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,408 | $5,608 | $6,355 | $5,718 |
| American Family | $3,331 | $5,123 | $6,435 | $3,870 |
| Farmers | $4,652 | $6,012 | $5,870 | $5,498 |
| Geico | $1,831 | $2,485 | $3,320 | $1,831 |
| Nationwide | $3,437 | $3,616 | $5,370 | $3,848 |
| Progressive | $3,679 | $4,866 | $3,884 | $4,281 |
| State Farm | $4,920 | $5,903 | $5,412 | $5,412 |
| Travelers | $2,673 | $3,481 | $3,893 | $3,328 |
| USAA | $2,260 | $3,222 | $4,262 | $2,658 |
Cheap Waddell, Arizona Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Waddell, Arizona is not easy. Compare the annual rates for DUI auto insurance in Waddell, Arizona to find the best deal.
Annual Auto Insurance Rates After a DUI in Waddell, Arizona
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,355 |
| American Family | $6,435 |
| Farmers | $5,870 |
| Geico | $3,320 |
| Nationwide | $5,370 |
| Progressive | $3,884 |
| State Farm | $5,412 |
| Travelers | $3,893 |
| USAA | $4,262 |
Cheap Waddell, Arizona Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Waddell, Arizona annual auto insurance rates by credit history compare.
Annual Auto Insurance Rates by Credit Score in Waddell, Arizona
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,059 | $5,030 | $4,477 |
| American Family | $5,894 | $4,391 | $3,784 |
| Farmers | $6,288 | $5,247 | $4,988 |
| Geico | $3,253 | $2,133 | $1,714 |
| Nationwide | $4,901 | $3,896 | $3,406 |
| Progressive | $4,660 | $4,070 | $3,802 |
| State Farm | $9,961 | $3,857 | $2,417 |
| Travelers | $4,072 | $3,317 | $2,643 |
| USAA | $4,091 | $2,847 | $2,364 |
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Cheap Waddell, Arizona Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Waddell, Arizona can vary. Compare the annual cost of auto insurance by ZIP code in Waddell, Arizona to see how car insurance rates are affected by location.
Annual Auto Insurance Rates by ZIP Code in Waddell, Arizona
| ZIP Code | Average Annual Rates |
|---|---|
| 85355 | $4,215 |
Cheap Waddell, Arizona Auto Insurance Rates By Commute
Commute length and annual mileage affect Waddell, Arizona auto insurance. Find the cheapest annual Waddell, Arizona auto insurance by commute length.
Annual Auto Insurance Rates by Commute Length in Waddell, Arizona
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,522 | $5,522 |
| American Family | $4,645 | $4,734 |
| Farmers | $5,508 | $5,508 |
| Geico | $2,327 | $2,406 |
| Nationwide | $4,068 | $4,068 |
| Progressive | $4,177 | $4,177 |
| State Farm | $5,273 | $5,550 |
| Travelers | $3,344 | $3,344 |
| USAA | $3,067 | $3,135 |
Cheap Waddell, Arizona Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Waddell, Arizona? Check out the comparison of annual Waddell, Arizona auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Waddell, Arizona
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,174 | $5,553 | $5,839 |
| American Family | $4,503 | $4,840 | $4,726 |
| Farmers | $4,671 | $5,569 | $6,283 |
| Geico | $1,962 | $2,404 | $2,734 |
| Nationwide | $3,852 | $4,118 | $4,234 |
| Progressive | $3,636 | $4,261 | $4,635 |
| State Farm | $4,844 | $5,518 | $5,873 |
| Travelers | $2,958 | $3,401 | $3,673 |
| USAA | $2,860 | $3,143 | $3,299 |
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Best By Category: Cheapest Auto Insurance in Waddell, Arizona
Compare the cheapest auto insurance companies in Waddell, Arizona in each category to find the company with the best rates for your personal needs.
Best Annual Auto Insurance Rates by Company in Waddell, Arizona
| 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 Waddell, Arizona Auto Insurance Companies
What auto insurance companies in Waddell, Arizona are the cheapest? Compare the top Waddell, Arizona auto insurance companies to find the best annual rates.
Average Annual Auto Insurance Rates by Company in Waddell, Arizona
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,522 |
| American Family | $4,690 |
| Farmers | $5,508 |
| Geico | $2,367 |
| Nationwide | $4,068 |
| Progressive | $4,177 |
| State Farm | $5,412 |
| Travelers | $3,344 |
| USAA | $3,101 |
Compare Waddell, Arizona Auto Insurance Quotes
Before you buy Waddell, Arizona auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Waddell, Arizona auto insurance quotes.
Frequently Asked Questions
What are the minimum auto insurance requirements in Waddell, AZ?
In Waddell, AZ, drivers must have liability insurance with minimum coverage limits of 25/50/15. This means coverage of at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage per accident.
What other types of auto insurance coverage are available?
In addition to liability insurance, there are several other types of auto insurance coverage available in Waddell, AZ. These include collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, medical payments coverage, and personal injury protection (PIP) coverage.
How can I find the best auto insurance rates in Waddell, AZ?
To find the best auto insurance rates in Waddell, AZ, it is recommended to shop around and compare quotes from multiple insurance companies. You can contact insurance agents or use online comparison tools to get quotes tailored to your specific needs and circumstances.
Are there any discounts available for auto insurance in Waddell, AZ?
Many insurance companies offer various discounts that can help reduce the cost of auto insurance in Waddell, AZ. Common discounts include safe driver discounts, multi-vehicle discounts, bundling multiple policies, good student discounts, and discounts for certain safety features in your vehicle.
What factors can affect the cost of auto insurance in Waddell, AZ?
Several factors can influence the cost of auto insurance in Waddell, AZ. These include your driving record, age, type of vehicle, coverage limits, deductibles, credit history, and the location where the vehicle is primarily parked or garaged.
Can I get auto insurance if I have a bad driving record?
While having a bad driving record can make it more challenging to find affordable auto insurance, there are insurance companies that specialize in providing coverage for high-risk drivers. These companies may offer non-standard or high-risk auto insurance policies, but the premiums may be higher than standard policies.
What should I do if I’m involved in an accident in Waddell, AZ?
If you’re involved in an accident in Waddell, AZ, you should first ensure the safety of yourself and others involved. Then, exchange insurance information with the other party and gather evidence such as photos and witness statements, if possible. It’s important to report the accident to your insurance company promptly and follow their instructions for filing a claim.
Can I change my auto insurance policy in Waddell, AZ?
Yes, you can change your auto insurance policy in Waddell, AZ. If you wish to switch insurance providers, make sure to compare quotes and coverage options before canceling your existing policy. Keep in mind that there may be penalties or fees for canceling a policy before its expiration date.
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