Best Prescott, AZ Car Insurance in 2024
Car insurance in Prescott, AZ averages $274 a month. Prescott, Arizona car insurance requirements are 15/30/10, but you might need full coverage insurance if your car is financed. To find cheap Prescott car insurance rates, compare quotes from the top car insurance companies in Prescott, AZ.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Prescott, AZ after a DUI are $3,868/year
- The cheapest car insurance company in Prescott for teen drivers is Geico
- The cheapest ZIP code in Prescott is 86301
If you need to buy Prescott, Arizona car insurance, the options can be confusing. Everything you need to know about car insurance in Prescott, AZ is right here.
You’ll find Prescott car insurance rates, the cheapest Prescott, AZ car insurance companies, and information on Arizona car insurance laws. You can also compare Prescott, Arizona car insurance rates to Tucson car insurance rates, Surprise car insurance rates, and Gilbert car insurance rates.
Ready to find affordable Prescott, AZ car insurance today? Enter your ZIP code for fast, free Prescott car insurance quotes.
Cheapest Prescott, AZ Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Prescott, AZ car insurance rates? Every Prescott, Arizona car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,813 | $2,813 | $2,743 | $2,743 | $6,193 | $8,045 | $3,157 | $3,437 |
| American Family | $2,467 | $2,467 | $2,266 | $2,266 | $6,484 | $8,429 | $2,467 | $2,906 |
| Farmers | $2,107 | $2,091 | $1,878 | $1,994 | $8,789 | $9,071 | $2,392 | $2,481 |
| Geico | $1,464 | $1,637 | $1,226 | $1,557 | $4,219 | $4,469 | $1,340 | $1,332 |
| Nationwide | $2,020 | $2,056 | $1,812 | $1,915 | $4,942 | $6,307 | $2,327 | $2,510 |
| Progressive | $1,790 | $1,572 | $1,610 | $1,529 | $7,340 | $8,196 | $1,929 | $1,925 |
| State Farm | $2,480 | $2,480 | $2,168 | $2,168 | $7,758 | $9,717 | $2,673 | $3,403 |
| Travelers | $1,767 | $1,856 | $1,640 | $1,740 | $5,134 | $6,420 | $1,869 | $1,964 |
| USAA | $1,500 | $1,503 | $1,404 | $1,418 | $5,584 | $6,407 | $1,966 | $2,108 |
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Minimum Car Insurance in Prescott, AZ
Every driver must carry the minimum car insurance required by the state in Prescott, AZ. Take a look at the Arizona car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
Cheapest Prescott, AZ Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Prescott, AZ. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Prescott from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,113 | $3,639 | $3,227 |
| American Family | $4,677 | $3,480 | $2,999 |
| Farmers | $4,389 | $3,671 | $3,491 |
| Geico | $2,959 | $1,944 | $1,564 |
| Nationwide | $3,582 | $2,864 | $2,512 |
| Progressive | $3,609 | $3,153 | $2,947 |
| State Farm | $7,564 | $2,924 | $1,829 |
| Travelers | $3,402 | $2,781 | $2,214 |
| USAA | $3,599 | $2,516 | $2,095 |
Cheapest Prescott, AZ Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Prescott, AZ to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,199 | $4,037 | $4,595 | $4,141 |
| American Family | $2,623 | $4,135 | $5,069 | $3,049 |
| Farmers | $3,247 | $4,193 | $4,089 | $3,871 |
| Geico | $1,674 | $2,252 | $3,022 | $1,674 |
| Nationwide | $2,536 | $2,663 | $3,916 | $2,830 |
| Progressive | $2,858 | $3,755 | $3,016 | $3,316 |
| State Farm | $3,731 | $4,481 | $4,106 | $4,106 |
| Travelers | $2,242 | $2,921 | $3,238 | $2,795 |
| USAA | $1,991 | $2,852 | $3,759 | $2,343 |
Cheapest Prescott, AZ Car Insurance for Teen Drivers
Teen car insurance in Prescott, AZ can be expensive. Take a look at rates from the top car insurance companies in Prescott for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,193 | $8,045 |
| American Family | $6,484 | $8,429 |
| Farmers | $8,789 | $9,071 |
| Geico | $4,219 | $4,469 |
| Nationwide | $4,942 | $6,307 |
| Progressive | $7,340 | $8,196 |
| State Farm | $7,758 | $9,717 |
| Travelers | $5,134 | $6,420 |
| USAA | $5,584 | $6,407 |
Cheapest Prescott, AZ Car Insurance for Seniors
Take a look at Prescott, AZ rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,743 | $2,743 |
| American Family | $2,266 | $2,266 |
| Farmers | $1,878 | $1,994 |
| Geico | $1,226 | $1,557 |
| Nationwide | $1,812 | $1,915 |
| Progressive | $1,610 | $1,529 |
| State Farm | $2,168 | $2,168 |
| Travelers | $1,640 | $1,740 |
| USAA | $1,404 | $1,418 |
Cheapest Prescott, AZ Car Insurance Rates After a DUI
A DUI in Prescott, AZ increases car insurance rates. Compare Prescott, Arizona car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,595 |
| American Family | $5,069 |
| Farmers | $4,089 |
| Geico | $3,022 |
| Nationwide | $3,916 |
| Progressive | $3,016 |
| State Farm | $4,106 |
| Travelers | $3,238 |
| USAA | $3,759 |
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Cheapest Prescott, AZ Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Prescott, AZ by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,993 | $3,993 |
| American Family | $3,683 | $3,755 |
| Farmers | $3,850 | $3,850 |
| Geico | $2,119 | $2,192 |
| Nationwide | $2,986 | $2,986 |
| Progressive | $3,236 | $3,236 |
| State Farm | $4,005 | $4,206 |
| Travelers | $2,799 | $2,799 |
| USAA | $2,707 | $2,766 |
Cheapest Prescott, AZ Car Insurance Rates by ZIP Code
Prescott car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Prescott, AZ.
| ZIP Code | Average Annual Rates |
|---|---|
| 86301 | $3,214 |
| 86303 | $3,299 |
| 86305 | $3,272 |
The Best Cheap Car Insurance Companies in Prescott, AZ
Take a look at a side-by-side comparison of the top car insurance companies in Prescott, AZ to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,993 |
| American Family | $3,719 |
| Farmers | $3,850 |
| Geico | $2,156 |
| Nationwide | $2,986 |
| Progressive | $3,236 |
| State Farm | $4,106 |
| Travelers | $2,799 |
| USAA | $2,736 |
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Category Winners: Cheapest Car Insurance in Prescott, Arizona
Find the cheapest car insurance companies in Prescott, AZ for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Geico |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | Geico |
Cheapest Prescott, AZ Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Prescott car insurance rates. Find the cheapest Prescott, AZ car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,749 | $4,013 | $4,218 |
| American Family | $3,580 | $3,838 | $3,739 |
| Farmers | $3,395 | $3,888 | $4,268 |
| Geico | $1,845 | $2,184 | $2,438 |
| Nationwide | $2,879 | $3,014 | $3,064 |
| Progressive | $2,881 | $3,292 | $3,536 |
| State Farm | $3,734 | $4,174 | $4,409 |
| Travelers | $2,522 | $2,840 | $3,035 |
| USAA | $2,520 | $2,774 | $2,915 |
What affects car insurance rates in Prescott, Arizona?
What are the factors that affect car insurance rates in Prescott, AZ? There are several reasons why Prescott car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Prescott, Arizona.
Car Theft in Prescott
High levels of vehicle theft can make car insurance more expensive. Prescott, AZ car theft statistics from the FBI indicate 40 vehicle thefts a year.
Commute Time in Prescott
The more time you spend in your car the higher the risk of an accident. The average commute length in Prescott, AZ is 20.6 minutes according to City-Data.
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Compare Car Insurance Quotes in Prescott, AZ
Ready to find affordable Prescott, Arizona car insurance today? Enter your ZIP code for fast, free Prescott, AZ car insurance quotes.
Frequently Asked Questions
How do car insurance rates vary by ZIP code in Prescott, AZ?
Car insurance rates can vary by ZIP code in Prescott, AZ. It’s important to compare rates from different companies to understand the differences and find the most affordable option. The cheapest ZIP code for car insurance in Prescott is 86301.
How does commute length affect car insurance rates in Prescott, AZ?
Commute length can influence car insurance rates in Prescott, AZ. Different insurance companies may have varying rates based on commute distance. It’s advisable to compare quotes from different companies to find the best rates for your specific commute length.
How do car insurance rates change after a DUI in Prescott, AZ?
After a DUI, car insurance rates typically increase. The specific rate change depends on the insurance company. Comparing quotes from different companies can help you find the most affordable option. Geico and Progressive currently offer competitive rates after a DUI.
What are the car insurance rates for senior drivers in Prescott, AZ?
Car insurance rates for senior drivers in Prescott, AZ can vary among insurance companies. It’s important to compare rates from different companies to find the best options. Currently, Geico and Nationwide offer competitive rates for senior drivers.
What are the car insurance rates for teen drivers in Prescott, AZ?
Car insurance for teen drivers in Prescott, AZ tends to be expensive. Rates vary among insurance companies, and it’s recommended to compare quotes. Currently, Geico offers relatively lower rates for teen drivers.
What are the minimum car insurance requirements in Prescott, AZ?
The minimum car insurance requirements in Prescott, AZ include:
- Bodily Injury Liability Coverage: $15,000 per person, $30,000 per accident
- Property Damage Liability Coverage: $10,000 minimum
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.