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Car Insurance in Queen Creek (85142), Arizona

Compare auto insurance rates in Queen Creek, AZ (zipcode: 85142), and buy the cheapest insurance policy.

Full coverage car insurance costs an average of $871 per year in Queen Creek (zip code: 85142), which is $73 per month
Car Insurance Rates by Company rates are valid for July 2024
Understanding Car Insurance Costs in Queen Creek: On average, drivers in 85142 pay $871 annually. Your age, credit score, and vehicle choice play a big role in this cost. For lower rates, compare quotes from various insurance companies in the area.
In the best-case scenario, savvy shopping could secure rates as low as $436. However, factors like a poor driving record or credit score might push your rates up to $1,394.
The average car insurance in Queen Creek (area 85142) is $523 with Allstate. Allstate in Queen Creek offers a variety of car insurance coverage options to meet the needs of drivers. From collision and comprehensive coverage to liability and uninsured motorist protection, Allstate offers customizable plans so customers can select the right level of protection for their vehicles. Additionally, Allstate in Queen Creek provides discounts for policyholders who take proactive steps to protect their cars and keep their driving records clean. Low-mileage drivers, safe drivers, and those with multiple vehicles or policies may be eligible for special discounts that can lower their car insurance premiums (under optimal conditions, rates can be as low as $262). With Allstate in this location, customers have access to a dedicated team of experts who can help determine the right coverage levels and discounts applicable to them.
* Average rates from Allstate include both full coverage policies and the lowest possible rates in 85142, Queen Creek. As explained below, specific rates will vary greatly from driver to driver based on age, credit score, marital status, offenses or education.
Allstate insurance cost *
85142, Queen Creek$523 Your Rates? Get Quotes
Good Driver$366 Your Rates? Get Quotes
Teen Drivers$941 Your Rates? Get Quotes
Senior Drivers$418 Your Rates? Get Quotes
The average car insurance in Queen Creek (area 85142) is $610 with Farmers. Choosing car insurance from Farmers in Queen Creek has several advantages. Farmers offers competitive rates, an array of discounts and incentives (good driver's rates can be as low as $305), and dedicated customer service to make sure your needs are met. With Farmers, you can tailor your coverage to fit your individual needs, ensuring that you receive the right protection for your vehicle at the most affordable rate. Additionally, Farmers in Queen Creek offers accident forgiveness, allowing you to avoid rate increases if you make an honest mistake. As a bonus, when your vehicle is more than six years old, Farmers can provide coverage for the replacement cost of your car instead of its actual cash value.
* Average rates from Farmers include both full coverage policies and the lowest possible rates in 85142, Queen Creek. As explained below, specific rates will vary greatly from driver to driver based on age, credit score, marital status, offenses or education.
Farmers insurance cost *
85142, Queen Creek$610 Your Rates? Get Quotes
Good Driver$427 Your Rates? Get Quotes
Teen Drivers$1,098 Your Rates? Get Quotes
Senior Drivers$488 Your Rates? Get Quotes
The average car insurance in Queen Creek (area 85142) is $653 with GEICO. Choosing car insurance from GEICO in Queen Creek has many advantages. GEICO provides customers with competitive rates (ideally, the rates can be as low as $327), customizable policy options, and a variety of discounts and incentives. With flexible coverage plans, customers can choose the right level of protection to best suit their needs while still receiving great value for money on their policy. GEICO also offers a range of online tools, including a virtual assistant and 24/7 customer service to help answer questions and make sure you get the most out of your policy. Furthermore, GEICO in Queen Creek offers customers a variety of discounts for safe drivers, low mileage drivers, and those with multiple vehicles or policies.
* Average rates from GEICO include both full coverage policies and the lowest possible rates in 85142, Queen Creek. As explained below, specific rates will vary greatly from driver to driver based on age, credit score, marital status, offenses or education.
GEICO insurance cost *
85142, Queen Creek$653 Your Rates? Get Quotes
Good Driver$457 Your Rates? Get Quotes
Teen Drivers$1,175 Your Rates? Get Quotes
Senior Drivers$522 Your Rates? Get Quotes
The average car insurance in Queen Creek (area 85142) is $697 with Liberty Mutual. Choosing car insurance from Liberty Mutual in Queen Creek has many advantages. Liberty Mutual offers competitive rates (rates can drop to $349) and customizable coverage plans so customers can select the right level of protection for their vehicles at a price that fits their budget. Additionally, Liberty Mutual in Queen Creek provides numerous discounts and incentives to help policyholders save even more. Low-mileage drivers, those with multiple vehicles, and those who bundle their policies can all receive special discounts to lower their car insurance premiums. Liberty Mutual also offers a variety of online tools, including an accident forgiveness program, so customers can protect themselves from rate increases in the event of an honest mistake.
* Average rates from Liberty Mutual include both full coverage policies and the lowest possible rates in 85142, Queen Creek. As explained below, specific rates will vary greatly from driver to driver based on age, credit score, marital status, offenses or education.
Liberty Mutual insurance cost *
85142, Queen Creek$697 Your Rates? Get Quotes
Good Driver$488 Your Rates? Get Quotes
Teen Drivers$1,255 Your Rates? Get Quotes
Senior Drivers$558 Your Rates? Get Quotes
The average car insurance in Queen Creek (area 85142) is $740 with Nationwide. Nationwide in Queen Creek offers car insurance that is tailored to the needs of drivers. In most situations, Nationwide customers can get competitive rates and customizable coverage plans so they can select the right level of protection for their vehicles and budget. Additionally, Nationwide provides numerous discounts and incentives to help policyholders save more on their car insurance premiums (in the best scenarios, Nationwide rates can be as low as $370). Drivers who have a low amount of miles traveled, those with multiple cars in their household, and people that bundle all of their policies together are eligible for special discounts. Nationwide provides its customers with a variety of web-based tools and 24/7 customer service to make sure they can gain the utmost value from their insurance policy. Plus, with the accident forgiveness program, customers can protect themselves from rate increases in the event of a honest mistake. All these factors make Nationwide in Queen Creek a good choice for car insurance.
* Average rates from Nationwide include both full coverage policies and the lowest possible rates in 85142, Queen Creek. As explained below, specific rates will vary greatly from driver to driver based on age, credit score, marital status, offenses or education.
Nationwide insurance cost *
85142, Queen Creek$740 Your Rates? Get Quotes
Good Driver$518 Your Rates? Get Quotes
Teen Drivers$1,332 Your Rates? Get Quotes
Senior Drivers$592 Your Rates? Get Quotes
The average car insurance in Queen Creek (area 85142) is $784 with Progressive. Deciding to select car insurance from Progressive in Queen Creek brings with it a host of benefits. Progressive offers competitive rates for customers of all ages, so you can find a policy that fits your budget. Additionally, Progressive provides a variety of discounts to help reduce your premiums. Drivers who put less mileage on their vehicle, insure more than one car, and bundle policies are all eligible for exclusive savings (rates for good drivers with great credit score can drop to $392). Progressive allows customers to safeguard themselves against rate increases due to an unanticipated misstep with the innovative accident forgiveness program, along with various online tools. What's more, Progressive offers 24/7 customer support to ensure your requirements are satisfied and that you gain the maximum benefits from your policy.
* Average rates from Progressive include both full coverage policies and the lowest possible rates in 85142, Queen Creek. As explained below, specific rates will vary greatly from driver to driver based on age, credit score, marital status, offenses or education.
Progressive insurance cost *
85142, Queen Creek$784 Your Rates? Get Quotes
Good Driver$549 Your Rates? Get Quotes
Teen Drivers$1,411 Your Rates? Get Quotes
Senior Drivers$627 Your Rates? Get Quotes
The average car insurance in Queen Creek (area 85142) is $827 with State Farm. Car insurance from State Farm in Queen Creek has plenty of advantages for drivers of all ages. State Farm offers competitive rates (even lower than $414) that can be tailored to the individual needs and budgets of customers, including those with family vehicles or multiple cars. Furthermore, State Farm offers a variety of discounts and rewards that allow policyholders to maximize their savings on car insurance premiums. If you're a low-mileage driver, have multiple vehicles or bundle your policies together - good news! You can receive special discounts. State Farm is renowned for its 24/7 customer service and claims services, in addition to providing various online tools, such as an accident forgiveness program. This way you have the assurance that any rate increases due to honest mistakes can be avoided.
* Average rates from State Farm include both full coverage policies and the lowest possible rates in 85142, Queen Creek. As explained below, specific rates will vary greatly from driver to driver based on age, credit score, marital status, offenses or education.
State Farm insurance cost *
85142, Queen Creek$827 Your Rates? Get Quotes
Good Driver$579 Your Rates? Get Quotes
Teen Drivers$1,489 Your Rates? Get Quotes
Senior Drivers$662 Your Rates? Get Quotes
We are not sure, how much is the average car insurance in Queen Creek by the Zebra comparison site. The Zebra car insurance comparison site is a great resource to help you find the right car insurance policy for your needs in Queen Creek. With The Zebra, you can compare different types of policies and compare them side-by-side so you can make an informed decision about which company to choose. You will be able to see the discounts and incentives offered by each carrier, as well as the customer service ratings and financial strength of each company. The Zebra also offers helpful resources such as an accident forgiveness program, so customers can protect themselves from rate increases in the event of an honest mistake. With all this information available in one place, you can easily find the perfect car insurance policy for your needs and budget.
The average car insurance in Queen Creek (area 85142) is $958 with USAA. USAA car insurance offers a variety of coverage plans and competitive rates to meet the needs of drivers in Queen Creek. The company offers low-mileage discounts, multiple vehicle discounts, and bundle discounts to help policyholders save on their premiums (safe driver can get rates as low as $479).USAA uses online tools like their accident forgiveness program to keep customer rates from increasing in the event of a mistake. This offers customers peace of mind knowing they can make an honest error without incurring higher premiums or fees. Plus, USAA offers a high level of customer service and is available 24/7 to answer any questions customers may have about their policy. In conclusion, there are many different car insurance companies offering competitive rates and discounts in Queen Creek.
* Average rates from USAA include both full coverage policies and the lowest possible rates in 85142, Queen Creek. As explained below, specific rates will vary greatly from driver to driver based on age, credit score, marital status, offenses or education.
USAA insurance cost *
85142, Queen Creek$958 Your Rates? Get Quotes
Good Driver$671 Your Rates? Get Quotes
Teen Drivers$1,724 Your Rates? Get Quotes
Senior Drivers$766 Your Rates? Get Quotes
minimum full coverage premiumaverage full coverage premium
Queen Creek$560 $871 Your Rates? Get Quotes
Arizona$560 Limits $1,420 Your Rates? Get Quotes
Teen Drivers$728 Rates by Age $1,568 Your Rates? Get Quotes

Table of contents

Car Insurance Premiums by Company - 85142, Queen Creek

Which insurer offers the most advantageous annual car insurance in the area with the postal code 85142?

While you're shopping around for the most affordable car insurance in Queen Creek (85142), rest assured that you will undoubtedly get only the highest quality coverage with our list of top-rated auto insurers for 2023. If you are thinking of getting car insurance in this area, it is good to know that the typical yearly cost is around $871, amounting to an estimated $73 monthly Your age, driving record, and creditworthiness all heavily influence the rates of individual insurance providers... Due to the fact that there is no offer from ERIE in this location, you can try other regional insurers, or take a look at offers from Allstate ($523 on average for an annual policy), GEICO ($653 yearly) and others (see table below). If you're a responsible driver over 25 years old, look for the "lowest rates" column instead of the "average rates", and reap the benefits of lower prices. Autoowners is another local auto insurance provider with average annual policy rates around $444. Auto-Owners also offers one of the cheapest liability-only car insurance in 85142, Queen Creek at $22 per month.
While these rates offer a helpful guide, the true cost of car insurance in 85142, Queen Creek is determined by several pertinent factors - including your age and driving record, credit score rating, vehicle type and marital status. All such factors will influence the final price you end up paying for coverage. Our service remains impartial and independent to guarantee that our calculations of car insurance rates are accurate. We do not collaborate with any single company, nor receive commissions from them. Plus, we can ensure you the best deals possible without compromising on quality as we compare quotes from many different companies.
Insurance CompanyLowest RatesAverage Rates
ERIE

Erie does not offer auto insurance in Queen Creek.

$287Not available in Arizona
Auto-Owners

Auto-Owners has competitive rates in Arizona.

$266$444 Get Quotes Agents Call
Allstate

Allstate can meet its financial and claims obligations easily.

$314$523 Get Quotes Agents Call
American Family

Quality coverage, competitive rates from an industry leader.

$314$523 Get Quotes Agents Call
Farmers

Great coverage options backed by a knowledgeable, professional team.

$366$610 Get Quotes Agents Call
GEICO

Wide range of coverage, competitive rates, an experienced customer service.

$392$653 Get Quotes Agents Call
Liberty Mutual

Usage-based car insurance programs, competitive rates

$418$697 Get Quotes Agents Call
Nationwide

Very cheap car insurance rates when adding a teen driver to a policy.

$444$740 Get Quotes Agents Call
Progressive

Smart choice for high-risk drivers.

$470$784 Get Quotes Agents Call
State Farm

Good discount opportunities for students and teens.

$496$827 Get Quotes Agents Call
Travelers

Below-average insurance rates, well-rated for claims handling.

$549$915 Get Quotes Agents Call
USAA

High customer satisfaction scores.

$575$958 Get Quotes Agents Call

Car Insurance Rates by Age & Gender

How your age affects car insurance costs in your area?

On average, people living in the 85142 ZIP code area of Queen Creek City can expect to pay $871 per year for comprehensive auto insurance. The table below shows how the age of a driver affects their rates. As you can see, 16-year-olds pay more than $2,265 for auto insurance in this location, which is by far the highest rate. With age, the price of the policy decreases, and seniors over 60 years of age with a good driving history will pay the least. Although gender plays a role in pricing policy, the age of the driver is a factor that has a much greater impact on the price of your car insurance. So the question is, how does age and gender affect car insurance rates in 85142, Queen Creek?
Finding the right auto insurance for your age and gender near 85142, Queen Creek can be a tricky process that requires research. Make sure to consider important factors such as coverage needs, deductible options, discounts or loyalty programs available, and customer service ratings of the company you choose. Crucially - especially for younger drivers - make sure to shop around different insurers in order get the best rate possible!
TeenagersFemaleMale
16 years old$2,178$2,299
17 years old$2,134$2,247
18 years old$2,099$2,186
19 years old$2,003$2,082
AdultsFemaleMale
20 years old$1,350$1,411
21 years old$1,272$1,324
22 years old$1,193$1,219
23 years old$1,124$1,141
24 years old$1,045$1,080
25 years old$827$958
30 years old$784$836
35 years old$749$775
40 years old$697$732
45 years old$688$706
50 years old$671$679
55 years old$627$653
SeniorsFemaleMale
60 years old$618$671
65 years old$601$636
70 years old$706$732
75 years old$793$819

Minimum coverage limits in Queen Creek (85142)

Auto insurance requirements & coverage limits in Queen Creek, Arizona

In most states, car insurance companies are required to provide minimum liability coverage. This means that you must purchase certain limits of liability coverage in order to legally drive a vehicle. These limits include bodily injury and property damage liabilities which help cover costs if you are involved in an accident that causes damage or injury to another person or their property. In Arizona, for example, the minimum required liability coverage is 25/50/15 which means that you must purchase at least $25,000 per person, up to a total of $50,000 per accident and $15,000 in property damage. It’s important to understand your state’s minimum limits so that you can be sure to purchase adequate coverage. Additionally, it is important to consider purchasing additional insurance that would cover your vehicle in the event of a collision or other accident. This may include comprehensive and collision coverage which provide protection for you and your car if an accident occurs.
Minimum coverage limits are the legal requirements set by each state for how much insurance coverage you must purchase. These minimums may include Bodily Injury Liability, Property Damage Liability, Personal Injury Protection (PIP), and Uninsured/Underinsured Motorist Coverage.
Coverage TypeMinimum Coverage Amounts
Bodily injury liability per person in Queen Creek (85142)$25,000
Bodily injury liability per accident in Queen Creek (85142)$50,000
Property damage liability per accident in Queen Creek (85142)$15,000

How does my degree affect auto insurance premiums?

Different studies have proved that drivers with advanced degrees are less likely to make a claim and are less risky for insurers.

In order to predict how much risk you pose, auto insurance companies in Queen Creek, Arizona rely on demographic rating factors, including your education, which can affect the final price of your policy by tens to hundreds of dollars. Given that high school dropouts were found to pay the most expensive auto insurance, it is worth mentioning that according to statistics, approximately 5.60% of the population in the Queen Creek region (ZIP: 85142) has no secondary education. On the other hand, there is also about 22.30% of the population with a Bachelor degree, 10.50% with an Graduate degree (advanced academic degree) and 44.80% with a Science, Technology, Engineering or Mathematics degree (STEM). These policyholders will pay increased rates for car insurance, which in this area may average around $915 annually. This price is significantly affected by the age of the driver (teenagers under the age of 20 can pay more than $1,307 a year or $109 a month), his driving history, but also by the value of the individual's credit score and the type of car.
Extensive research and hard evidence consistently demonstrate that drivers with higher educational degrees (Masters, PhD) have one of the lowest car insurance rates (around $740), not only in the area with zip code: 85142.
Education LevelLocal StatsDiscount Rates in Queen Creek
Residents with at least a 4-year degree.32.80%$958 Get Quotes
Less than high school5.60%$915 Get Quotes
High school diploma but no more24.70%$871 Get Quotes
Some college but no more36.90%$827 Get Quotes
Bachelor degree but no more22.30%$784 Get Quotes
Graduate degree10.50%$740 Get Quotes
Stem degree

Bachelor's degree or higher in a Science and Engineering

44.80%$697 Get Quotes

What Affects Auto Insurance Rates in Queen Creek, AZ?

Compare auto insurance rates in 85142, Queen Creek, AZ and buy the cheapest insurance policy.

In general, consumers in urban areas can expect to pay significantly higher auto insurance rates than those living in sparsely populated and rural areas. If you live in the Queen Creek area and have a zip code of 85142, you're eligible for reduced car insurance rates, which under ideal conditions can drop to $523 annually. Insurance companies know very well that people in this locality do not drive on busy roads and the risks of accidents, theft and vandalism are significantly lower than in densely populated areas. To get cheaper car insurance rates, don't forget to include local insurers in addition to large insurance companies. On average, a comprehensive full coverage car insurance policy in this area can cost around $958 per year and will include liability protection. There are a number of studies on the internet that link the average household income of Queen Creek residents' to the average cost of car insurance in a given area. The results of these statistics show that households spend somewhere between 3% and 9% of their income on car insurance annually. The average household in Queen Creek (85142 area) thus spends an estimated $2760 - $8281 on car insurance. Health insurance also comes into play. Although injury due to an accident is usually covered by car insurance, depending on your location and the nature of the incident, there may also be situations where medical bills after a car accident will be paid out by health insurance. This is not the best news for some Queen Creek residents, because according to our data, this is a location with many uninsured people. The latest data from 2020 - 2022 show that there are almost 5.50% of the population without health insurance and an unspecified number of drivers with incorrectly set parameters for car insurance and compulsory liability.
Geography directly impacts the cost of automobile insurance, with those living in more dangerous locales such as urban areas where vandalism and theft are rampant or regions known for their high accident rates incurring higher premiums than drivers located in rural townships and safe neighborhoods.
What can indirectly affect your insurance rates?ValuesRates in Queen Creek (85142)
Population

More people = more accidents = higher rates.

71423 peopleIncreased Rates
Density

Population density is low, car insurance rates are falling.

388 /km2Lower Rates
Median household income

The average household income in Queen Creek is over $50,000 per year.

$92,012Higher Rates

Guide to discount car insurance in Queen Creek

Enjoy remarkable discounts with policy extension, driver behavior, vehicle-based and driver characteristic savings, just to name a few!

College students from Queen Creek may be eligible for discounted car insurance premiums priced around $784. To qualify, you usually need to meet certain criteria such as being a full-time student and maintaining good grades. To qualify for senior auto insurance discount in Queen Creek, you usually need to meet certain criteria such as being of a specified age, having several years of driving experience and maintaining a clean driving record (discounted rates: $810). Some car insurance companies offer discounts for military members; active members of the armed forces or a veterans. Additionally, some insurers offer discounts if the primary driver is in the military. The final price can then drop to $766. It doesn't end there, by bundling your policy you can reach the amount of $697, paying upfront can get you to $653, being a good driver will help you to rates around $523 and if you have a "safe" and "inexpensive" car from the perspective of the insurance company, you can achieve a rate of $627.
Type of discountIn PercentAverage Savings
Student discounts

All auto insurance discounts related to students 36.90%

10%$784 Your Discount?
Senior discounts

All auto insurance discounts related to students 36.90%

7%$810 Your Discount?
Military discounts

All auto insurance discounts related to students 36.90%

12%$766 Your Discount?
Good driver discounts

Good drivers can save anywhere from 7% to 25% on their premiums

7% - 25%$479 Your Discount?
Loyalty-based discount

Enjoy savings on your policy by paying for the entire term upfront!

5% - 15%$653 Your Discount?
Multi-car discounts

Maximize your savings by bundling multiple vehicle policies.

Up to 30%$557 Your Discount?

FAQ & Answers

related to car insurance in Queen Creek, zip code: 85142, AZ?

Simply input your ZIP code, and allow us to guide you towards the most beneficial car insurance in your vicinity. We are like detectives of insurance policies, committed to sniffing out the most affordable coverage for you. We diligently compare all available insurers, recommend the optimal deductibles, and tirelessly search for every possible discount. We're here to ensure you get the best deal on your auto insurance!

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