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Cheapest car insurance in Kingman, Arizona (Nov 2024)
Cheapest car insurance in Kingman, Arizona (Nov 2024)
Compare 55+ insurance companies including Progressive, AAA, Travelers, Nationwide (and more!) to find the best and cheapest car insurance in Kingman, Arizona.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Bonnie Stinson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance in Kingman
- Best car insurance companies in Kingman
- Best cheap car insurance quotes in Kingman
- Average cost of car insurance in Kingman
- Car insurance quotes in Kingman by rating factors
- How do different factors impact your car insurance costs in Kingman?
- How to lower car insurance costs in Kingman
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Kingman
On average, car insurance in Kingman costs $81 per month for minimum liability coverage, or about $146 per month for full-coverage insurance. Kingman drivers pay 46% less than National the average.
Smart car insurance shoppers in Kingman, Arizona turn to Jerry every month, because Jerry makes it easy for customers to
compare and purchase affordable car insurance
. Below are some of the cheapest car insurance quotes Jerry found for customers in Kingman. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $133 | Ricardo, 27 Zip: 86409 | Nissan Rogue Sport S | • 50,000/100,000 Liability • Comp / Collision |
| Allstate | $121 | Vincent, 23 Zip: 86401 | Saturn VUE | • 15,000/30,000 Liability |
| Nationwide | $100 | Jay, 32 Zip: 86401 | Ford Fiesta SE | • State Minimum Liability • Comp / Collision |
| Safeco | $189 | Hulda, 29 Zip: 86401 | Hyundai Genesis Coupe 2.0T | • State Minimum Liability • Comp / Collision |
| National General | $135 | Lydia, 27 Zip: 86409 | Dodge Charger Police | • State Minimum Liability |
Last Updated Nov 21, 2024Best car insurance companies in Kingman
The five largest insurers in Arizona are State Farm, Berkshire Hathaway (i.e. GEICO), Progressive, Farmers, and Liberty Mutual—but biggest doesn’t always mean best.
When it comes to shopping for car insurance, every customer receives different quotes based on their profile—meaning that the “best” insurance company can be different for everyone. Aside from the cost, you’ll also want to consider factors such as claims handling and customer service when choosing a company.
To help drivers better compare the best and cheapest car insurance companies in Arizona, Jerry conducted the largest insurance survey in the nation. According to our results, smaller insurers actually received the highest ratings from Arizona drivers: companies like American Family, Auto-Owners, Gainsco, Commonwealth, and The Hartford.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| USAA | 4.8 | 4.3 | N/A | 4.8 |
| Progressive | 4.4 | 4 | 4.2 | 4.5 |
| Geico | 3.9 | 3.3 | 4.5 | 4 |
| State Farm | 3.6 | 3.6 | 2.3 | 4.8 |
| Farmers | 3.5 | 3.3 | 4.3 | 3.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Kingman
To legally hit the road, Kingman drivers need to meet Arizona’s minimum coverage limits for bodily injury liability and property damage liability. But minimum liability may not offer enough financial coverage in the event of an accident—so drivers in Kingman should consider purchasing full coverage for the best protection.
Cheap minimum liability insurance quotes in Kingman
Minimum liability coverage in Arizona means at least $25,000 of
bodily injury liability coverage
per person, $50,000 of bodily injury liability coverage per accident, and $15,000 of property damage liability
coverage per accident. These coverages are commonly referred to as 25/50/15 coverage. With this basic liability coverage, you’ll be protected up to your policy’s limits in the event that you are responsible for injuries or property damage while driving.
Here are some examples of Kingman car owners that Jerry has assisted with obtaining minimum liability coverage.
Larry (45 years old)
$64
per month
Howard (70 years old)
CoverageState Minimum
Kingman, AZ (Zip Code: 86401)
GMC Sierra C1500$68
per month
Gainsco
Harriet (63 years old)
$133
per month
Bill (67 years old)
$101
per month
Do you need more than minimum coverage in Kingman?
Legally, drivers in Kingman don’t need to carry more than the minimum liability coverage mandated by
Arizona’s car insurance laws
—but financially, many drivers may want to. In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the 25/50/15 limit, especially if you cause serious injuries to another person. Once you’ve hit your liability coverage limits, your auto insurance policy won’t pay extra—meaning you could be responsible for paying the difference out of pocket.
You should also keep in mind that
Arizona’s car accident laws
allow drivers to file personal injury lawsuits for up to two years following a car accident—so your liability extends long past the initial incident! The bottom line: Consider raising your coverage level if you can afford it—a 50/100/30 liability insurance policy offers better financial protection than the minimum.
Cheap full coverage car insurance quotes in Kingman
Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your own vehicle. A full-coverage car insurance policy typically includes
collision coverage
and comprehensive coverage
, in addition to your state’s minimums. Collision coverage protects you from repair costs associated with hitting another vehicle or a stationary object, while comprehensive coverage protects you from vandalism, theft, and non-collision damage. Lease and financing agreements often require you to carry both collision and comprehensive coverage. On top of a full-coverage policy, you can purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. Check out the table below to see what real Jerry drivers pay for various levels of coverage:
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $133 | Ricardo, 27 Zip: 86409 | Nissan Rogue Sport S |
• State Minimum Liability • Comp / Collision | Nationwide | $100 | Jay, 32 Zip: 86401 | Ford Fiesta SE |
• State Minimum Liability • Comp / Collision | Safeco | $189 | Hulda, 29 Zip: 86401 | Hyundai Genesis Coupe 2.0T |
• State Minimum Liability • Comp / Collision | Commonwealth Insurance | $97 | Amy, 67 Zip: 86401 | Toyota Tacoma Double Cab Prerunner |
• State Minimum Liability • Comp / Collision | Dairyland | $155 | Cecelia, 35 Zip: 86409 | Dodge Charger SE |
Last Updated Nov 21, 2024The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance quotes online.
Jerry,
a top insurance agency
, offers a free app that lets you compare car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Kingman
Based on Jerry’s work finding the best car insurance for drivers in Kingman, we’ve found that the average annual cost minimum liability coverage is $975 each year. That works out to about $81 per month. For full coverage, Kingman drivers typically pay $1,751 per year or $146 per month.
While average insurance rates can help you predict your own insurance costs, it's important to note that every driver's insurance premium is calculated differently.
Car insurance companies look at many different factors when
calculating your annual premiums
, including your demographics, driving record, and discount eligibility—so your actual costs may vary significantly from the state average.Average cost of car insurance in Kingman by zip code
Even within the same city, car insurance rates can still vary. That’s because the rate of car accidents, auto theft, and other incidents can differ between neighborhoods—and areas that experience higher rates are consequently considered higher risk.
As a result, drivers living in these neighborhoods could face higher premiums than drivers in other areas of the city
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
86401 | $69 | $135 |
86409 | $53 | $113 |
Compare car insurance costs in other states
Car insurance quotes in Kingman by rating factors
Insurance companies in Kingman use many rating factors when deciding your auto insurance premium:
- Your driving record and claims history: Accidents, tickets, or other traffic violations on yourdriving recordcould result in above-average auto insurance rates.
- Your age: Teen and senior drivers often face the highest insurance premiums, as these age groups are considered high-risk among insurers.
- Your vehicle: Liability coverage could cost more for popular models. Collision and comprehensive coverage cost more for luxury, high-performance, and sports cars.
- Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
- How you use your car: Your annual mileage can play a role in what you pay for coverage. Insurance companies often charge more when you put more miles on your car.
How do different factors impact your car insurance costs in Kingman?
How do different factors impact your car insurance costs in Kingman?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Arizona currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Kingman:
Cheap car insurance quotes in Kingman after driving violations
Violations on your record hurt your car insurance rates.
Violations drive up the cost of your annual premiums, especially if you have serious infractions on your record. Some common violations that could increase your insurance rates include:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Kingman after speeding ticket
In Kingman, a speeding ticket could increase your car insurance rate.
Jerry is proud to help drivers with varying speeding tickets save on car insurance.
Last Updated Nov 21, 2024Cheapest car insurance in Kingman after DUI
Driving with a blood-alcohol level of 0.08% or higher violates
Arizona’s DUI laws
. A DUI conviction comes with a maximum sentence of $1,480 in fines, 10 consecutive days in jail, and a driver’s license suspension of 90 days. Your auto insurance rates will be similarly affected. The good news is, Jerry has helped many drivers in Kingman obtain affordable auto insurance rates after a DUI.
Cornelia (51 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Kingman, AZ (Zip Code: 86409)
$100
per month
Clearcover
Kevin (55 years old)
$62
per month
Cheapest car insurance in Kingman after an at-fault accident
It takes a few mistakes to become a good driver. An at-fault accident might tarnish your
clean driving record
, but it’ll clear up eventually. In the meantime, don’t feel you have to stick with a car insurance company that penalizes you needlessly with sky-high insurance rates.Jerry users found companies willing to work with them and their driving history while offering them savings.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $87 | Chase, 56 Zip: 86409 | Dodge RAM VAN B250 | • State Minimum Liability |
Not At Fault | Bristol West | $75 | Sara, 66 Zip: 86409 | Chevrolet Trailblazer | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Travelers | $184 | Billy, 28 Zip: 86401 | GMC Sierra C1500 SLE | • 15,000/30,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheapest car insurance in Kingman after other driving violations
Car insurance premiums are sensitive to any mistake, big or small—whether it’s a speeding ticket, DUI conviction, or any other traffic violation. Here are some examples of how Jerry has helped other Kingman drivers find cheap car insurance despite previous violations.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Obey Signal | Progressive | $173 | Daisy, 30 Zip: 86409 | Jeep Patriot Sport | • State Minimum Liability • Comp / Collision |
Failure to Obey Signal | Progressive | $173 | Jesse, 30 Zip: 86409 | Jeep Patriot Sport | • State Minimum Liability • Comp / Collision |
Improper Passing | Progressive | $110 | Ellen, 25 Zip: 86401 | Ford Fiesta ST | • State Minimum Liability • Comp / Collision |
Last Updated Nov 20, 2024Cheap car insurance quotes in Kingman by age
The golden years for cheap car insurance fall between the ages of 25 and 75. By that time, teen drivers have gained the experience they need to drive safely—and the income to pay their bills.
Cheapest car insurance in Kingman for young drivers
Teen drivers aged 16 to 19 are most likely to be involved in an accident. This risk—coupled with a limited driving and insurance history—means that teen drivers pay the highest premiums of any age group.
And since it’s illegal for anyone to sign a car insurance contract before turning 18, they’ll need to be added to someone else's policy.
Bertie (24 years old)
$142
per month
Gainsco
Lola (24 years old)
$124
per month
Cheapest car insurance in Kingman for senior drivers
Similar to teen drivers, senior drivers also pose a heightened risk to insurance companies. This is because senior drivers are more likely to be involved in accidents, and more prone to severe injuries in the event of a collision—which can lead to significant medical expenses and increased costs for insurance providers.
As a result, car insurance rates start to rise once more when drivers enter their mid-70s.
Christine (67 years old)
$124
per month
Howard (70 years old)
CoverageState Minimum
Kingman, AZ (Zip Code: 86401)
GMC Sierra C1500$68
per month
Pauline (67 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Kingman, AZ (Zip Code: 86409)
$75
per month
Cheap car insurance quotes in Kingman based on insurance history
Another factor that can impact your rates is your insurance history—i.e., whether you are currently insured or not.
Any lapse in coverage
usually leads to an increase in car insurance rates.Jerry sends payment reminders to our customers, to help ensure timely insurance payments and prevent coverage lapses. We can also help uninsured or previously lapsed customers find savings on new auto insurance policies.
Chad (56 years old)
$87
per month
Caleb (31 years old)
$100
per month
Billy (28 years old)
Currently Insured
Coverage15,000 per person
30,000 per accident bodily injury
Comp / Collision
Kingman, AZ (Zip Code: 86401)
GMC Sierra C1500 SLE$184
per month
Gainsco
Flora (24 years old)
$124
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Found the most coverage for the best price.
Marco
Great company.
Christopher
Saved me $100 a month!
Jennah
Great price and amazing coverage!
Athena
Cheap car insurance quotes in for drivers with poor credit
drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
Here’s how drivers with low credit scores saved with Jerry.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $110 | Aaron, 25 Zip: 86401 | Ford Fiesta ST | • State Minimum Liability • Comp / Collision |
660 - 750 | Gainsco | $74 | Iva, 49 Zip: 86409 | Saturn VUE | • State Minimum Liability |
660 - 750 | Bristol West | $254 | Austin, 25 Zip: 86401 | Ford Fusion SE | • State Minimum Liability • Comp / Collision |
550 - 659 | Gainsco | $124 | Landon, 24 Zip: 86409 | Honda Accord EXL | • State Minimum Liability |
< 550 | Bristol West | $146 | Jerry, 24 Zip: 86409 | Hyundai Sonata Sport | • State Minimum Liability |
Last Updated Nov 19, 2024Cheap car insurance quotes in Kingman for popular cars
The kind of car you drive plays a central role in determining your annual premiums.
High safety ratings and robust vehicle anti-theft security systems make your car safer to drive, harder to steal, and cheaper to insure. But a luxury interior, rare badges, or sophisticated technology cost more to repair, so auto insurance companies charge you more to insure.
Popular car models in Kingman include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Chevrolet Chevrolet_silverado | Travelers | $71 | Carolyn, 45 Zip: 86409 | • 100,000/300,000 Liability |
| RAM 1500 | Progressive | $59 | Myrtle, 40 Zip: 86401 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024How to lower car insurance costs in Kingman
1. Shop around and compare quotes
Insurance companies use varying rating factors to determine premiums, and these criteria can change from place to place. To find the most cost-effective car insurance policy, experts recommended comparing quotes from at least three to five companies and shopping for rates every six months.
That’s where Jerry can help! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price.
Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers discounts, but the exact discounts offered—and whether or not you qualify for them—can vary among insurers.
Commonly available discounts
include: - Good driver discounts: Drivers with a clean driving record and claims-free insurance history typically enjoy lower rates—and often receive discounts anywhere from 10% to 30% off their insurance premiums.
- Telematics discounts: Many providers offer discounts to drivers who use telematics to monitor their driving habits. You might even get a discount just for enrolling!
- Good student discounts: Full-time high school and college students that maintain a B average or higher may qualify for a discounted car insurance rate.
- Bundling discounts:Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, opting for a higher deductible can help keep your monthly expenses low without sacrificing coverage.
FAQ
Who has the lowest car insurance rates in AZ?
AAA, Gainsco, and Hartford all earned top ratings for policy cost satisfaction among Arizona drivers in a recent Jerry survey. However, GEICO and Travelers may also offer low rates to drivers who fit certain profiles.
How much is car insurance in Arizona per month?
Minimum coverage in Arizona costs about $66 per month for the average driver, or $798 per year. Full coverage in Arizona offers more protection but it’s a bit more costly at $161 per month or $1,938 per year.
Why is Arizona auto insurance so high?
This state experiences higher than average traffic fatalities. Plus, the majority of AZ residents live in dense urban areas, which is a major risk factor. Inflation and rises in the cost of living and car repairs also contribute to the escalation in insurance premiums.
What is the best car insurance to have in Arizona?
Hartford, Gainsco, Commonwealth, and American Family Insurance ranked highly for overall satisfaction among Arizona drivers in a recent survey. However, Safeco and American Family Insurance rose to the top for customer service ratings and Gainsco earned top marks for policy cost satisfaction.
What’s the fine for driving without insurance in Arizona?
You’ll have to pay at least $500 if you’re caught driving without insurance in Arizona. Subsequent offenses carry more serious penalties, with fines rising to $750 and $1,000. You may also have to file SR-22 in Arizona for two years after committing this serious driving offense, which can raise your insurance rates significantly.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.