The amount you spend for automobile insurance depends on a assortment of elements. Every thing from time of year to weather and site visitors can influence rates, but location also plays a massive function.


It’s no diverse in Arizona, where drivers pay an average of $ 1,436.04 a year for auto insurance coverage.


Communities in Mohave County, one particular of the state’s largest and most rural, get particularly very good rates, according to a NerdWallet study of automobile insurance prices by ZIP code in Arizona. Right here, NerdWallet crunches the numbers to locate the 5 communities with the least expensive auto insurance:


1. Kingman, Arizona


Typical annual car insurance premium: $ 1,158.32


The county seat of Mohave County, Kingman is property to a mountain that supplies 1 of the biggest quantities of turquoise in the planet. It also sits on the edge of the Mojave Desert, meaning there’s not significantly weather to have an effect on automobiles and site visitors. With a population of 28,068, there had been fairly handful of crashes there in 2013 at 542.


Besides weather and crash rates, huge numbers of uninsured drivers can also increase auto insurance coverage prices for all motorists. When compared to the national average of 13.8%, Arizona’s comparatively low price of uninsured motorists — about 12% — keeps premiums manageable.


2. Valentine, Arizona


Typical annual car insurance coverage premium: $ 1,181.18


This is an unincorporated community in Mohave County that straddles old U.S. Route 66. No crash information is accessible. Established in 1898, Valentine was residence to a number of hundred people until Interstate 40 bypassed the town in 1978. The population was just 36 in 2000.


3. Lake Havasu City, Arizona


Average annual car insurance premium: $ 1,181.29


The biggest city in Mohave County with 52,527 folks, Lake Havasu City is named after the sparking blue waters of its 19,300-acre lake at the Arizona-California border. It also boasts an arid desert climate, although alcohol-associated crashes are greater than average. The unemployment rate is on the decline, falling from 8.3% in July to 7.6% in October. Fewer unemployed individuals usually implies fewer uninsured drivers, which results in decrease auto insurance prices.


4. Hackberry, Arizona


Average annual automobile insurance premium: $ 1,186.00


Another unincorporated Route 66 town, Hackberry sits about 23 miles northeast of Kingman and has a post office that serves 68 residential mailboxes. It became a ghost town right after its silver mine closed in the early 20th century, then once again with the advent of I-40.


 5. Fort Mohave, Arizona


Typical annual automobile insurance coverage premium: $ 1,197.11


Named for a nearby fort employed during the Mohave War in the 1850s, Fort Mohave has turn into the largest unincorporated neighborhood in Mohave County due to current development. Its population grew from 8,919 in 2000 to 14,364 in 2010. Like other Mohave County communities, average commute occasions are 20 minutes or much less. Unemployment rates are also falling in Fort Mohave.


Methodology


To decide Arizona’s average yearly car insurance premium, NerdWallet retrieved quotes for 4 distinct driver profiles in every single populated Arizona ZIP code: 27-year-old single guys and females driving a 2012 Toyota Camry, and 40-year-old married males and females driving a 2012 Ford Escape. All quotes assumed 15/30/10 limits on the driver’s personal liability coverage (the state minimum) and uninsured liability coverage for the very same quantity.


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