Bullhead City, AZ Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Bullhead City, 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.
Average Cost of Car Insurance in Bullhead City, AZ
Bullhead City is a small city with big-city amenities and attractions. It offers year-round sunshine, blue skies, views of the Black Mountain Range, and access to the Colorado River and Lake Mead National Recreation Area.
In Bullhead City, AZ, car owners must ensure their road travel by taking auto insurance. The average cost of car insurance in Bullhead City, AZ, is $1,298. The driver's behavior plays a crucial role in determining the cost of car insurance in Bullhead City, AZ. For instance, if a driver exceeds the speed limit, drives on freeways, or has a lengthy commute through populated areas, he could put himself at a higher-than-average accident risk, making him a higher risk for auto insurance companies. Therefore, insurance providers charge higher premiums to such car drivers.
Other ways insurance companies consider while calculating your car insurance premiums are your driving history, how long you have driven with your license, type of deductible, credit history, and many more. Zimlon, through its deep analysis, has discovered a few factors which determine the car insurance rates in Bullhead City, AZ.
a. Credit history of the car owner
Most insurance providers analyze the credit score of car owners to determine their car insurance rates. Residents of Bullhead City, AZ, can use your credit score to lower their car insurance premiums. For example, auto owners with excellent credit scores have to pay $1,271, while car owners with poor credit scores pay $2,117. The difference between the two is substantial, and by holding a good credit score, you can avail of discounts on your auto insurance rates.
b. Driving history of the car owner
When you apply for insurance, the company determines your profile by considering several factors, including your driving history. High-risk policies tend to have higher premiums. Insurance providers charge high insurance to car owners with terrible records to mitigate the risk.
For instance, if a policyholder is found with any regulation infringing driving rules, the premium tends to increase. For example, car owner driving a car with an expired registration, the premium increases by $134. Therefore, car owners must avoid breaking driving rules and maintain a spotless driving history to save money on car insurance in Bullhead City, AZ.
c. The age of the driver
One such factor that insurance companies consider determining the cost of car insurance in Bullhead City, AZ, is the driver's age. As the age of the policyholder increases, the cost of car insurance decreases. This is because insurance providers consider the experience of driving based on the driver's age. Teen drivers tend to pay the highest premium as they are careless while driving. For instance, teenagers pay $4,212 on auto insurance, whereas 30 years old drivers pay $1,285 in Bullhead City, AZ. Here, you can witness a difference of $1,467 based on the driver's age.
Factors that can influence the cost of car insurance in Bullhead City, 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.
- Bullhead City, AZ Auto Insurance Rates
- Bullhead City, AZ Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Bullhead City, AZ
- Multi Vehicle Insurance Savings in Bullhead City, AZ
- How Credit Score Affects Car Insurance Rates in Bullhead City, AZ
- How DUI Affects Auto Insurance Premiums in Bullhead City, AZ
- Top Auto Insurance Agents Near Bullhead City, AZ
- How Driving Violations Affect Auto Insurance Rates in Bullhead City, AZ
- Bullhead City, AZ Auto Insurance Discounts on Anti Theft Feature
- Bullhead City, AZ Auto Insurance Company Reviews
Bullhead City, AZ Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Bullhead City, AZ with that of other cities in and around Bullhead City.
| Bullhead City | Mojave Ranch Estates | Walnut Creek | Fort Mohave | Oatman | Mesquite Creek | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,298 | $1,269 | $1,317 | $1,313 | $1,764 | $1,669 |
Bullhead City, 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 Bullhead City, 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) |
|---|---|---|
| Bullhead City | $1,080 | $913 |
| Oatman | $1,817 | $1,535 |
| Yucca | $1,812 | $1,530 |
| Mesquite Creek | $1,339 | $1,131 |
| Fort Mohave | $1,525 | $1,288 |
| Walnut Creek | $1,532 | $1,294 |
| Mohave Valley | $1,451 | $1,226 |
| Mojave Ranch Estates | $2,190 | $1,850 |
Bullhead City, AZ Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Bullhead City, 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 | $4,212 |
| 20 Years | $1,668 |
| 30 Years | $1,285 |
| 40 Years | $1,236 |
| 50 Years | $1,145 |
| 60 Years | $1,160 |
| 70 Years | $1,351 |
Bullhead City, AZ Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Bullhead City, 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 | $2,284 | $312 |
| 3 Vehicles | $3,427 | $467 |
| 4 Vehicles | $4,569 | $623 |
Savings on 2 Vehicles bundle:$312
Savings on 3 Vehicles bundle:$467
Savings on 4 Vehicles bundle:$623
Bullhead City, 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 Bullhead City, AZ.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Bullhead City | $1,298 | $2,573 |
| Oatman | $1,764 | $3,497 |
| Yucca | $1,666 | $3,302 |
| Mesquite Creek | $1,669 | $3,308 |
| Fort Mohave | $1,313 | $2,603 |
| Walnut Creek | $1,317 | $2,611 |
| Mohave Valley | $1,319 | $2,615 |
| Mojave Ranch Estates | $1,269 | $2,515 |
Bullhead City, 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) | $1,114 |
| Excellent (740-799) | $1,271 |
| Good (670-739) | $1,353 |
| Average (580-669) | $1,765 |
| Poor (300-579) | $2,117 |
Bullhead City, 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 |
|---|---|---|---|
| Kitty Carling | State Farm | 1395 Hancock Rd, Bullhead City, 86442-5900 | 928-758-4184 |
| Jovan Sanders Donathan | Travelers | 1840 HIGHWAY 95, BULLHEAD CITY, 86442 | 928-763-2701 |
| Jovan Sanders Donathan | Travelers | 1840 HIGHWAY 95, BULLHEAD CITY, 86442 | 928-763-2701 |
| Southern Ins Agency | Allstate | 1885 Lakeside Dr, Bullhead City, 86442 | (928) 763-4884 |
| [ | ' | M, a, i | a |
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Bullhead City, 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 | +$57 | $1,355 |
| Driver's Failure In Showing Documents | +$126 | $1,424 |
| Driving With An Expired Registration | +$134 | $1,432 |
| Driving At A Considerably Slow Pace | +$282 | $1,580 |
| Using A Cellphone While Driving | +$297 | $1,595 |
| Running A Red Light | +$302 | $1,600 |
| Speeding | +$318 | $1,616 |
| Driving A Vehicle Without The Required Permission | +$404 | $1,702 |
| Driving With An Expired/Suspended License | +$875 | $2,173 |
Bullhead City, 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 | $1,246 |
| Active Disabling Device | $1,246 |
| Tracking Device | $1,220 |
| Passive Disabling Device | $1,207 |
Latest Auto Insurance Reviews in Bullhead City, AZ | Back to Top
UsaaI use the same insurance company for my home as well as auto.I've been with the same company since I got my own car, and I have always been satisfied with their level of service.
GeicoI have a $500 deductible. I did this to keep my insurance costs low. I do not know what the other companies' deductibles start at.
State FarmState Farm has been my car insurance provider for 18 years. They have been very professional and assisted when I have had any issues with my vehicle.
AllstateI have the same car and home insurance. Car they are actually excellent and very helpful when it comes to filing claims for collision even if it's not your fault.
State FarmI am not sure about the policy offerings compared to other providers, as we have had State Farm for nearly 40 years.
State FarmWhile State Farm is more expensive than other offerings, I appreciate the time that our agent gives us and her good customer service.
State FarmWhile State Farm is more expensive than other offerings, I appreciate the time that our agent gives us and her good customer service.
GeicoI like that Geico is very customer friendly. The service and response is great, and compared to other companies, the cost is much more affordable.
GeicoI have had GEICO for 40 years, and have used them probably five times. They have always settled my claim in a satisfactory manner so I have no complaints with them. They have excellent customer service and are easy to access any time I need them. The representatives are always very courteous and knowledgeable.
State FarmI do not like that the premiums are so high and that the premiums can be different from agent to agent.