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Best cheap car insurance in Quartzsite

Kofa Queen Canyon Road in Arizona
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Kofa Queen Canyon Road in Arizona
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The average cost of car insurance in Quartzsite, Arizona, is $1,358 per year for a full coverage policy, or $113 per month, according to Bankrate’s 2021 study of quoted annual premiums. The average cost of minimum car insurance in Quartzsite is $439 per year. That means the average cost of car insurance in Quartzsite is lower than the statewide average cost of car insurance in Arizona. It is also lower than the national average cost of car insurance, which is $1,674 per year for full coverage and $565 per year for minimum coverage.

But while rates are, on average, lower in this Arizona town, you may still have an opportunity to save even more on car insurance in Quartzsite. If you are looking for the best car insurance in Quartzsite, there are a handful of providers that stand out. Geico offers the cheapest average car insurance in Quartzsite, according to our research, and there are other good options for affordable coverage in this town, too. When searching for the best and cheapest car insurance companies in Quartzsite, we compared quotes with coverage and discount options for the average driver while also comparing company strength and customer satisfaction.

Best cheap car insurance companies in Quartzsite

The cheapest auto insurance companies in Quartzsite are Geico, The Hartford, State Farm, American Family and Allstate, according to our analysis of average rate data from Quadrant Information Services. But price isn’t the only factor that matters when looking for the best cheap car insurance. We also awarded a Bankrate Score to the insurance companies on this list with a maximum of five points. Bankrate Scores are awarded based on factors like discounts, accessibility, coverage options, online and mobile resources, third-party customer service ratings, like J.D. Power, and more.

Drivers who are looking for the cheapest car insurance in Arizona or the best car insurance companies in Quartzsite can weigh these same factors to determine the best cheap providers for their needs. It can also be helpful to consider other factors that are important to you. For example, if you are looking for the best car insurance in Arizona and want a company that offers accident forgiveness, it can be useful to weigh the coverage options along with the price quotes.

Insurance company Bankrate Score J.D. Power score
(Southwest region)
Average annual premium for full coverage Average annual premium for minimum coverage
Geico 4.7 829/1,000 $882 $315
The Hartford 3.8 826/1,000 $1,065 $409
State Farm 4.7 847/1,000 $1,110 $415
American Family 4.3 850/1,000 $1,224 $688
Allstate 4.0 822/1,000 $1,433 $423

Geico

Drivers in Quartzsite who are looking for the cheapest car insurance options may want to consider Geico. Geico offers the cheapest average rates for both full coverage and minimum coverage insurance in Quartzsite, according to our research. Geico also offers a variety of discounts that customers may qualify for, which can help increase the potential savings.

It’s worth noting, though, that while Geico offers low average rates and numerous discounts, it does not offer as wide a variety of endorsements as many of the other providers on our list. Geico was also rated slightly below average by J.D. Power for overall customer satisfaction.

Learn more: Geico Insurance review

The Hartford

The Hartford offers one of the cheapest average car insurance rates in Quartzsite, with rates that are well below the citywide average. However, this company only offers car insurance to AARP members, which requires an annual membership fee. If you can qualify for membership, though, AARP members may be able to get affordable and comprehensive car insurance from this insurer, as well as a range of coverage options and endorsements. The company also offers several discounts for additional savings, and you may even qualify to save up to 10% just for being an AARP member.

Learn more: The Hartford Insurance review

State Farm

State Farm is the largest car insurance provider in the country by market share. The company offers affordable average rates on car insurance in Quartzsite and also has excellent customer service ratings, and was ranked second in the Southwest region by J.D. Power for overall customer satisfaction. State Farm also offers numerous savings opportunities and policy bundling discounts. Drivers who bundle their auto and home insurance with State Farm save $1,127 per year on average, according to State Farm. However, this company does not offer as many coverage options as many of its competitors.

Learn more: State Farm Insurance review

American Family

American Family was rated the best provider in the Southwest region by J.D. Power for overall customer satisfaction, which indicates that it excels in numerous areas, including policy offerings, billing, cost, claims and customer service and agent interactions. American Family also offers a range of coverage options that allow for policy customization. In addition to standard coverage options, American Family offers endorsements like gap insurance, accident forgiveness, OEM coverage and travel coverage. The company also offers several discount opportunities that may allow for extra savings.

Learn more: American Family Insurance review

Allstate

Allstate is one of the largest insurers in the country and is the fifth top insurer in Arizona with just under 8% of the market share. While Allstate does not offer the lowest average insurance rates in Quartzsite, it does offer a list of endorsements and discounts that may allow Quartzsite drivers to find the coverage they need at a reasonable rate. However, Allstate was rated below average by J.D. Power for overall customer satisfaction, which is worth noting if you’re looking for a company with the best customer ratings.

Learn more: Allstate Insurance review

How to get and keep the cheapest car insurance in Quartzsite

Your car insurance rates may change over time due to blemishes on your driving record, credit score, your age and other factors. After you obtain a cheap car insurance policy in Quartzsite, you will need to work to maintain your low rate. Here are a few tips for finding and keeping the lowest car insurance premiums for your circumstances:

  • Obtain multiple rate quotes. Car insurance companies charge different rates for similar coverage types, and factors like your driving record and age may be weighed differently too, depending on the provider. If you want to find the most affordable rates for you, it can be helpful to get personalized rate quotes from several insurance providers so you can compare the options.
  • Get new quotes before a major life event. Certain life events can trigger an increase in your car insurance rate, like moving to a new state or adding a teen driver to your policy. When a significant life event occurs, it may be helpful to shop around for new insurance quotes to find out whether a different company can offer you a cheaper rate.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Individual city rates represent 2021 data and a 2019 Toyota Camry.

These are sample rates and should only be used for comparative purposes.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others
Edited by
Insurance Editor