Quartzsite, Arizona is home to just 3700 residents. However, it has been named the Rock Capital of the World, with the largest number of RV boondocking options, attracting millions of tourists each winter. Quartzsite is a part of La Paz County. It has lower than average car insurance rates, with $439 per annum for liability coverage, and $1,358 for full coverage.
Nearly half of residents only have one car and commute for less than eight minutes. We compared prices and discounts for Quartzsite residents, as well as company strength and customer satisfaction when searching for the best and most affordable car insurance companies.
Quartzsite’s best car insurance companies
There are many options for drivers in Quartzsite when it comes to car insurance. By comparing quotes, we were able to identify the most competitive options for coverage, discounts, financial strength, and customer satisfaction. This was done using third-party rankings.
| Insurance Company | J.D. J.D. | Minimum Coverage: Average Annual Premium | Average annual premium for full coverage |
|---|---|---|---|
| Allstate | 830 / 1000 | $423 | $1,433 |
| American Family | 834 / 1000 | $688 | $1,224 |
| Geico | 834 / 1000 | $315 | $882 |
| The Hartford | 829 / 1000 | $409 | $1,065 |
| State Farm | 826 / 1000 | $415 | $1,110 |
Allstate
Allstate, one of the biggest insurers in the nation, is Arizona’s fifth-top insurer with less than 8% market share. Quartzsite residents may find the coverage they are looking for at a fair rate, thanks to the many options and discounts available.
American Family
American Family holds 6% market share in Arizona. It offers generational discounts and options such as good student, young volunteer, and safe driving programs that keep rates for teen drivers affordable for families living in Quartzsite.
Geico
Geico has the lowest car insurance rates and is the #1 insurer in Arizona. It insures 16% of the market. Geico offers RV insurance, as well as motorhome and travel trailer insurance in Quartzsite.
The Hartford
The Hartford is a specialist in providing coverage and discounts for senior drivers 50+, but it is still accessible to all through independent networks. Additional discounts may be available if you take a state-approved driver education or safety course.
State Farm
State Farm, which insures 15% of Arizona drivers, is Arizona’s second-largest insurer. State Farm allows you to insure multiple policies and receive safe driving discounts even for teens.
Quartzsite has the lowest car insurance
Although rates might seem high in a small town such as Quartzsite, rates remain affordable when compared to Arizona’s average cost of car insurance. Quartzsite drivers pay an average of $439 annually for minimum coverage and $1,358 per year for full coverage. Arizona’s average rates for minimum coverage are $555 annually and $1,547 annually. These rates are lower than the national average car insurance cost, which is $565 per year for minimum coverage and $1,674 per year for full coverage.
We compared the market share of the most well-known carriers to find the lowest price for car insurance in Quartzsite. We compared quotes based on coverage, claims processing, discounts, financial strength, customer satisfaction, and available technology. Mercury had the lowest car insurance minimal coverage, while Travelers has full coverage rates at the most affordable.
| Insurance Company | Average Annual Premium for Minimum Insurance | Average annual premium for full coverage |
|---|---|---|
| Mercury | $300 | $1,118 |
| Geico | $315 | $882 |
| Travelers | $330 | $866 |
| All over the country | $344 | $960 |
| AAA | $359 | $1,239 |
Insurance requirements for Quartzsite
Arizona has similar laws to many other states regarding driving without insurance. You could be fined or have your license suspended if you are caught. Repeat offenders may face additional penalties. The minimum liability requirements for Arizona are:
- $25,000 per person for bodily injury
- $50,000 for bodily injury in an accident
- $15,000 for property damage
These limits may offer the lowest rates, but Quartzsite drivers may require more protection to safeguard their assets and finances in the event of an accident. Full coverage may be required for residents with high-value vehicles, particularly if they have a loan or lease.
Quartzsite offers car insurance discounts
You can get Quartzsite rates that are low by including as many discounts for car insurance as you’re eligible for. These are the top ones that can have the greatest impact on your premiums.
- Anti-theft discounts
- Discounts on billing and payments: You can get car insurance discounts by paying the premium in full, setting automatic payments, or using an app or online portal to pay.
- Discount for a good driver: This discount is given to you if your driving record has been clean and there have been no accidents in the past three or five years depending on which company you work for.
- Safety feature discount: A safer car will get you a better discount. Anti-lock brakes, daytime running light and multiple airbags are all examples.
- Usage-based discounts: If you stay in Quartzsite, or don’t drive often, and you consider yourself a safe driver you may qualify for usage-based discounts. You will need to monitor your driving using a plug-in device, or the app on your phone.
Questions frequently asked
Which is the best Quartzsite car insurance company?
Every person has different criteria when it comes to choosing the right car insurance company. To determine which company is best for your car insurance, consider coverage options, financial strength, claims, customer satisfaction, and other important details.
How can I get Quartzsite car insurance at a cheap price?
You should find a car insurance company that offers many discounts so you can combine them to get the best car insurance rates.
What is the cost of car insurance in Quartzsite?
Quartzsite’s average car insurance cost is $1,358 per year for full coverage and $439 per year for minimum coverage. Rates can be higher or lower depending on factors such as your driving record, car and coverages required.
