Cheap Auto Insurance in Casa Grande, Arizona (2024)

Car insurance costs in Casa Grande are generally lower than rates in other areas of Arizona. The average cost of minimum coverage in Arizona is $94 per month, but in Casa Grande, the average is just $85 per month.

About 20% of Casa Grande’s residents are retirement age, according to U.S. Census Bureau Data^[1], which could contribute to the city’s relatively low average monthly rates for car insurance. Casa Grande drivers may be able to save even more on car insurance by comparing quotes from multiple companies.

Cheapest car insurance companies in Casa Grande

Many car insurance companies provide quality coverage in Casa Grande, Arizona, but you should choose the auto insurance company that best fits your financial situation and insurance needs. You may find that the cheapest insurer doesn’t offer your desired coverage. Hugo, Auto-Owners, and Mile Auto are three companies worth considering for Casa Grande car insurance. All three offer competitive rates. Hugo and Mile Auto may be especially appealing for residents who don't drive much.

Cheapest insurance for drivers with a DUI: Hugo

Cheapest insurance for full-coverage insurance: Auto-Owners

Cheapest insurance for pay-per-mile insurance: Mile Auto

How to get the cheapest car insurance in Casa Grande

Cheap insurance rates depend on a number of factors, such as a person’s driving history, insurer, and amount of coverage. People looking for cheap rates may want to try the following strategies, recommends Loretta Worters, vice president of media relations at the Insurance Information Institute.

• Ask your insurer for a higher deductible. “For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 15% to 30%,” Worters says. “Going to a $1,000 deductible can save you 40 % or more.” But before choosing a higher deductible, be sure you have enough money set aside to pay it if you have a claim, Worters advises.

• Consider dropping coverage. You can decide to drop collision and/or comprehensive coverages on older cars if you don’t need extra protection. “In today’s environment, however, older cars are holding their value a lot longer,” says Worters. “So check with Kelley Blue Book or a bank to determine the car’s value. Typically, if your car is worth less than 10 times the premium, purchasing the coverage may not be cost-effective.”

• Ask your insurer about available discounts. Bundling policies can help bring down rates. “Typically, [your insurer] will reduce rates if you have more than one vehicle or have two or more types of insurance,” says Worters.

Cheapest liability-only car insurance in Casa Grande: Auto-Owners

If you cause an accident, liability-only car insurance will cover the resulting damage to another person’s car or medical costs for accident-related injuries of the other driver and passengers.^[2] Your liability coverage won’t cover any of your injuries or vehicle damage. Most states require drivers to carry at least a minimum amount of liability coverage.

Cheapest full-coverage car insurance in Casa Grande: Auto-Owners

Full-coverage car insurance — which consists of collision and comprehensive, as well as liability — covers the cost of your vehicle damage and medical expenses, as well as damage to the vehicle you were in an accident with. Collision coverage kicks in to pay for damages to your car from an accident, while comprehensive covers damage to your car caused by something other than an accident.

Car insurance requirements in Arizona

Arizona law requires drivers to carry a minimum amount of car insurance to legally drive. Every motor vehicle that travels on roads in the state must at least have bodily injury and property damage liability coverage through a company authorized to do business in Arizona.^[3]

If the authorities catch you operating a vehicle without the proper insurance, you could have your vehicle registration or license suspended.

Though not required, you may want to purchase one of the following optional car insurance coverages:

• 

  Uninsured/underinsured motorist coverage (UM/UIM)

  Arizona recommends $25,000 per person and $50,000 per accident in UM/UIM bodily injury coverage to provide protection in the event of an accident with an uninsured or underinsured driver.

• 

  Collision coverage

  This covers damages to your vehicle following a collision with another vehicle or object.

• 

  Comprehensive coverage

  Non-collision incidents caused by natural disaster, falling objects, riots, fire, and more are covered under comprehensive coverage.^[4]

Cheapest car insurance for drivers with an incident

When a motorist has an incident on the road — such as an at-fault accident, speeding ticket, or a DUI  — they usually earn higher auto premiums. Auto insurers view incidents as a sign that the driver is risky to insure, and the riskiest drivers generally receive higher premiums than non-risky drivers.^[5]

In Casa Grande, someone with a clean record might pay $85 per month on average for liability insurance, but a driver with incidents on their motor vehicle record could pay $112 for the same coverage.

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

Speeding was a factor in about 14% of all fatal accidents in Arizona in 2022.^[6] Because speeding increases the risk of getting into an accident, insurers view people with speeding tickets as riskier to insure, and charge them more accordingly.

In Casa Grande, the average cost of car insurance for people with speeding tickets is $121 per month for liability-only coverage and $248 for full coverage. The following table shows monthly liability-only quotes for Casa Grande drivers with speeding tickets.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

Casa Grande had the highest number of accidents of any Pinal County municipality in 2022, according to Arizona DOT data. Because an at-fault accident may require an insurer to pay claims for the other driver's vehicle and injuries, and for your vehicle damage if you have full coverage, car insurance rates typically increase after an at-fault accident.

Casa Grande drivers with accidents on their driving records see average car insurance rates of $255 per month for full coverage and $125 for minimum coverage.

Cheapest car insurance for drivers with a DUI: Auto-Owners

If you have a DUI on your record, you can expect your rates to increase considerably. Insurify data shows that a DUI can increase your insurance premium nearly 100%. On average, Casa Grande drivers with a DUI have auto insurance premiums of $142 per month for liability-only coverage and $290 for full coverage.

Cheapest car insurance for seniors: Auto-Owners

Among many factors, a driver's age affects auto insurance premiums. Rates often decrease around age 35, but they start increasing again when people reach the age of 70. Age-related changes in vision, coordination, and mobility can put senior drivers at higher risk of accidents.

The average monthly cost of car insurance for senior drivers in Casa Grande is $60 for liability-only policies and $122 for full coverage.

Cheapest car insurance for teens: Auto-Owners

Nearly 7% of driver fatalities in Arizona in 2022 were drivers 19 or younger, according to DOT data. Teenagers lack of experience and tendency toward more risky driving behaviors like speeding or distracted driving put them at higher risk of being in an accident. This is why insurers generally charge higher premiums for this age group. Fortunately, teens have ways to shave some money off of higher rates.

Staying on your parents’ insurance plan, driving a safe vehicle model, and reporting high grades to your insurer for a good student discount can all lower your premiums. In Casa Grande, car insurance for teens on their own policies averages $165 per month for minimum coverage and $337 for full coverage.

Casa Grande car insurance quotes by credit tier

In many states, including Arizona, insurers can legally use a consumer’s credit history as a basis for raising or lowering insurance premiums. If you have an excellent or good credit score, you’ll probably have lower rates than drivers with poor credit scores. The table below shows how your credit tier may affect your average monthly insurance premiums if you live in Casa Grande, Arizona.

Is car insurance more expensive in Casa Grande?

The average cost of car insurance in Casa Grande is $85 per month for liability-only coverage and $174 for full coverage. Those averages are lower than Arizona state-level averages of $94 for liability insurance and $194 for full coverage.

A city’s location in a state will often play a part in the price of an insurance premium. For instance, in a crowded city with a lot of cars, a driver might pay more than a driver in a small town with far fewer vehicles.

More cities in Arizona

See how car insurance in Casa Grande compares to other cities in Arizona in the table below.

Casa Grande car insurance FAQs

Insurify Insights

How Casa Grande Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Casa Grande, Arizona below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Casa Grande drivers measure up to their fellow motorists across Arizona in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Ford F-Series Pickup

Most Popular Car in Casa Grande

#5

City with the Most Speeding Tickets Rank in Arizona

#14

City with the Most Moving Violations Rank in Arizona

#11

City with the Most DUIs Rank in Arizona

#14

City with the Most Suspended Licenses in Arizona

• Accidents in Casa Grande

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Casa Grande drivers rank 26 in the number of car accidents per driver across all cities in Arizona.

  • Rank within state: #26
  • Percent of drivers in Casa Grande with an accident: 8.4%
• DUI/DWIs in Casa Grande

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Casa Grande drivers rank 11 in the number of DUI’s per driver across all cities in Arizona.

  • Rank within state: #11
  • Percent of drivers in Casa Grande with a DUI: 2.4%
• Reckless Drivers in Casa Grande

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Arizona, Casa Grande drivers rank 21 in the number of reckless driving offenses per driver.

  • Rank within state: #21
  • Percent of drivers in Casa Grande with a reckless driving offense: 1.3%
• Rude Drivers in Casa Grande

  The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Arizona, Casa Grande drivers rank 27 in rude driving infractions.

  • Rank within state: #27
  • Percent of drivers in Casa Grande with a reckless driving violation: 1.3%
• Speeding in Casa Grande

  Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Arizona, Casa Grande drivers rank 5 in the number of speeding infractions per driver.

  • Rank within state: #5
  • Percent of drivers in Casa Grande with a speeding ticket: 10.6%
• Safest Drivers in Casa Grande

  Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Casa Grande drivers rank 40 in clean driving records across all cities in Arizona.

  • Rank within state: #40
  • Percent of drivers in Casa Grande with clean record: 79.5%
• Hybrid/Electric Vehicle Ownership in Casa Grande

  As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Casa Grande drivers rank 28 in hybrid and electric vehicle ownership across all cities in Arizona.

  • Rank within state: #28
  • Percent of drivers in Casa Grande with a hybrid/electric vehicle: 0.89%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.