Bisbee Auto Insurance Rates, Quotes, Agents & Reviews in AZ

Bisbee, AZ Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Bisbee, AZ, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Low Cost Car Insurance in Bisbee, AZ

As a driver in Bisbee, AZ, you are required by law to have car insurance. This is to protect you and other drivers on the road in the event of an accident. Car insurance can cover the cost of repairs to your vehicle and medical treatment for you or other people involved in the accident. It can also provide financial protection if you are sued as a result of an accident.

The average cost of car insurance in Bisbee, AZ, is $1,330. In Bisbee, Arizona, you may get low-cost auto insurance regardless of your budget. There are numerous insurance providers for drivers in Bisbee to pick from, and there are numerous ways to save money on your rate. Here are some suggestions to help you find the cheapest auto insurance in Bisbee, Arizona.

Credit History

It's no secret that your credit history can affect your car insurance rates. In Bisbee, AZ, your credit history is one of the many factors that can determine your premium. A good credit history means you're more likely to pay your bills on time. That's important to insurers because you're less likely to file a claim. A bad credit history, on the other hand, can indicate that you're more likely to file a claim. That can make you a riskier customer, and you may pay more for your car insurance. For instance, in Bisbee, Arizona, car owners with excellent credit must pay $1,303, while those with poor credit must spend $2,169 for their vehicle. Therefore, car owners in Bisbee, Arizona, who want lower auto insurance rates must have high credit ratings.

Age of the Driver

A driver's age is one of the main factors that insurers use to determine car insurance rates. In general, younger drivers are considered to be riskier and therefore pay higher rates than older drivers. In Bisbee, AZ, the average car insurance rate for a 19-year-old driver is $4,316 per year, while the average rate for a 50-year-old driver is $1,173 per year. There are a few reasons why younger drivers are typically charged more for car insurance:

They are more likely to be involved in accidents than older drivers.

  1. They are more likely to speed and other traffic violations.

  2. Younger drivers tend to have less experience behind the wheel, which can make them more likely to be involved in an accident.

Driving Habits

In Bisbee, AZ, car insurance rates are determined by a number of factors, including your driving habits. If you have a clean driving record, you can expect to pay less for your insurance than someone with a history of accidents or traffic violations. Insurance companies use various methods to determine rates, so shopping around and comparing rates from different companies is important. For instance, if a driver runs a red light or drives with an expired license, the total cost of auto insurance in Bisbee, Arizona, will rise by +$310 and +$896, respectively. 

Factors that can influence the cost of car insurance in Bisbee, AZ are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Bisbee, AZ Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Bisbee, AZ with that of other cities in and around Bisbee.

Bisbee Sierra Vista Tombstone Palominas Huachuca City Sierra Vista Southeast
Average Insurance Rates $1,330 $972 $1,287 $1,394 $1,280 $1,343

Bisbee, AZ Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Bisbee, AZ based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Bisbee $1,736 $1,466
Palominas $1,436 $1,213
Miracle Valley $1,031 $871
Sierra Vista Southeast $1,501 $1,268
Naco $1,509 $1,275
Tombstone $1,487 $1,256
Sierra Vista $1,144 $967
Huachuca City $1,131 $955

Bisbee, AZ Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Bisbee, AZ usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,316
20 Years $1,709
30 Years $1,316
40 Years $1,266
50 Years $1,173
60 Years $1,189
70 Years $1,384

Bisbee, AZ Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Bisbee, AZ can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,314 $346
3 Vehicles $3,471 $519
4 Vehicles $4,628 $692

Savings on 2 Vehicles bundle:$346

Savings on 3 Vehicles bundle:$519

Savings on 4 Vehicles bundle:$692


Bisbee, AZ Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Bisbee, AZ.

Location Average Insurance Cost Post DUI Insurance Rate
Bisbee $1,330 $2,636
Palominas $1,394 $2,763
Miracle Valley $1,654 $3,279
Sierra Vista Southeast $1,343 $2,662
Naco $1,289 $2,555
Tombstone $1,287 $2,551
Sierra Vista $972 $1,927
Huachuca City $1,280 $2,537

Bisbee, AZ Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,141
Excellent (740-799) $1,303
Good (670-739) $1,386
Average (580-669) $1,808
Poor (300-579) $2,169

Bisbee, AZ Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Lacritia Spence State Farm 4301 W Bradley Rd Ste 110, Brown Deer, 53223-3758 414-354-5580
Carrie Aguillon Farmers 1502 E Fry Blvd, Sierra Vista, 85635 (520) 458-3366
Heartland Insurance Group Llc Travelers 1165 E FRY BLVD 2, SIERRA VISTA, 85635 520-458-0170
Fran Richey Allstate 2700 E Fry Blvd Ste A1, Sierra Vista, 85635 (520) 439-0646
Ginger Hernandez Farmers 3965 E Foothills Dr Ste E2, Sierra Vista, 85635 (520) 459-0609
Scott Beardshear State Farm 1101 S Naco Hwy Ste 117, Bisbee, 85603-9729 520-432-5411
Gareth Krausser State Farm 1993 Frontage Rd Ste 207, Sierra Vista, 85635-4695 520-335-6813
Dunn Insurance Llc Travelers 322 EAST BARTOW DR, SIERRA VISTA, 85635 520-458-1944
Everhart Ins Ltd Llc Travelers 402 BISBEE RD, BISBEE, 85603 520-432-6704

Bisbee, AZ Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$59 $1,389
Driver's Failure In Showing Documents +$129 $1,459
Driving With An Expired Registration +$137 $1,467
Driving At A Considerably Slow Pace +$289 $1,619
Using A Cellphone While Driving +$305 $1,635
Running A Red Light +$310 $1,640
Speeding +$326 $1,656
Driving A Vehicle Without The Required Permission +$414 $1,744
Driving With An Expired/Suspended License +$896 $2,226

Bisbee, AZ Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,277
Active Disabling Device $1,277
Tracking Device $1,250
Passive Disabling Device $1,237

Latest Auto Insurance Reviews in Bisbee, AZ | Back to Top

American Family Insurance
When I switched policies in March, I bundled both my home and auto insurance with American Family. My agent told me it would save money. Overall, my premiums have gone down for auto insurance as well as home insurance.
American Family Insurance
When I switched policies in March, I bundled both my home and auto insurance with American Family. My agent told me it would save money. Overall, my premiums have gone down for auto insurance as well as home insurance.
Usaa
ussa premiums seem to be better than many of the other providers. I have had both Allstate and Statefarm and USAA's rates are better than these two in both auto and home.
Esurance
The customer support that I receive at the company is great. They're always friendly and helpful and do their best to answer my questions.