Best Prescott Valley, Arizona Auto Insurance in 2024 (Check Out These 10 Companies)
State Farm, Farmers, and Allstate offer the best Prescott Valley, Arizona auto insurance with rates starting at $47/month. These top providers stand out for their competitive pricing and comprehensive coverage options, making them the best choices for auto insurance in Prescott Valley.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Oct 25, 2024
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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 25, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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11,413 reviewsThe best Prescott Valley, Arizona auto insurance options are State Farm, Farmers, and Allstate, offering competitive rates.
When searching for the best Prescott Valley, Arizona auto insurance, State Farm stands out with its exceptional combination of affordability and coverage. Farmers provides strong rates with comprehensive options, while Allstate offers flexibility and robust policy features.
Our Top 10 Company Picks: Best Prescott Valley, Arizona Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Customer Service | State Farm |
 | #2 | 20% | A | Policy Options | Farmers |
 | #3 | 25% | A+ | Infrequent Drivers | Allstate |
 | #4 | 10% | A+ | Qualifying Coverage | Progressive |
 | #5 | 25% | A | Costco Members | American Family |
 | #6 | 25% | A++ | Cheap Rates | Geico |
 | #7 | 10% | A++ | Military Members | USAA |
 | #8 | 25% | A | 24/7 Support | Liberty Mutual |
 | #9 | 5% | A+ | Tailored Policies | The Hartford |
 | #10 | 20% | A+ | Vanishing Deductible | Nationwide |
Each of these companies brings unique strengths to the table, helping Prescott Valley drivers determine how much coverage you need while finding an insurance policy that fits within their budget. Whether prioritizing cost, coverage variety, or policy features, these top three insurers offer valuable options for all drivers in the area.
Before you buy Prescott Valley, Arizona auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Prescott Valley, Arizona auto insurance quotes.
- State Farm is the top pick for Prescott Valley auto insurance at $138/month
- Best Prescott Valley auto insurance balances affordability and coverage options
- Look for policies that suit your driving habits in Prescott Valley
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#1 – State Farm: Top Overall Pick
Pros
- Comprehensive Coverage Options: State Farm offers range of coverage options tailored to the needs of those seeking the best Prescott Valley, Arizona auto insurance.
- Reliable Claim Handling: They are known for handling claims efficiently, which is crucial for those looking for the best Prescott Valley, Arizona auto insurance experience. Discover more about offerings in our State Farm auto insurance review.
- Discount Opportunities: State Farm provides several discount opportunities, including safe driver and multi-policy discounts, contributing to competitive rates for the best Prescott Valley, Arizona auto insurance.
Cons
- Higher Premiums for Some Drivers: Despite its strengths, State Farm may have higher premiums compared to some competitors, which might affect its status as the most cost-effective option for the best Prescott Valley, Arizona auto insurance.
- Limited Availability of Certain Discounts: Certain discounts may not be available in all areas, potentially limiting the savings for some customers seeking the best Prescott Valley, Arizona auto insurance rates.
#2 – Farmers: Best for Policy Options
Pros
- Comprehensive Policy Options: Farmers offers a wide range of policy options, making it a strong contender for the best Prescott Valley, Arizona auto insurance, tailored to various coverage needs. Discover more in our Farmers auto insurance review.
- Flexible Coverage Plans: Farmers provides customizable coverage plans, ensuring you get the best Prescott Valley, Arizona auto insurance that fits your specific requirements.
- Discount Opportunities: With multiple discount opportunities, Farmers can help reduce premiums, contributing to the overall value of the best Prescott Valley, Arizona auto insurance.
Cons
- Average Customer Service Ratings: Farmers has average customer service ratings, which may impact the experience of those seeking the best Prescott Valley, Arizona auto insurance.
- Higher Premiums for Some Drivers: The premiums for certain drivers might be higher, potentially making it less competitive compared to other options for the best Prescott Valley, Arizona auto insurance.
#3 – Allstate: Best for Infrequent Drivers
Pros
- Ideal for Infrequent Drivers: Allstate provides excellent coverage for infrequent drivers, making it a top contender for the best Prescott Valley, Arizona auto insurance.
- Extensive Coverage Options: With a broad range of coverage options, Allstate stands out as a strong choice for those seeking the best Prescott Valley, Arizona auto insurance.
- Strong Claim Support: As per our Allstate auto insurance review, they are known for its effective claim support which is a reliable option for securing the best Prescott Valley, Arizona auto insurance.
Cons
- Niche Focus: Allstate’s focus on infrequent drivers might not align with the needs of those seeking the best Prescott Valley, Arizona auto insurance for more frequent driving.
- Less Competitive for General Drivers: The specialized nature of Allstate’s offerings may not be the best fit for all types of drivers in Prescott Valley, Arizona.
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#4 – Progressive: Best for Qualifying Coverage
Pros
- Good for Qualifying Coverage: Progressive is known for providing strong coverage options for qualifying drivers seeking the best Prescott Valley, Arizona auto insurance. See more details on our Progressive auto insurance review.
- Innovative Coverage Options: Progressive offers innovative coverage solutions, making it a noteworthy option for those looking for the best Prescott Valley, Arizona auto insurance.
- Strong Customer Support: Known for excellent customer support, Progressive enhances the overall experience for customers seeking the best Prescott Valley, Arizona auto insurance.
Cons
- Higher Premiums for Some Drivers: Some drivers might find that Progressive’s premiums are higher compared to other providers offering the best Prescott Valley, Arizona auto insurance.
- Limited Local Presence: Progressive might have a more limited local presence in Prescott Valley, Arizona, potentially affecting in-person service for those seeking the best auto insurance options.
#5 – American Family: Best for Costco Members
Pros
- Tailored for Costco Members: American Family offers specialized benefits for Costco members, making it a top choice for the best Prescott Valley, Arizona auto insurance for this group.
- Wide Range of Coverage Options: Provides diverse coverage options, ensuring it stands out as a key contender for the best Prescott Valley, Arizona auto insurance.
- Customer-Centric Service: Known for its customer-focused approach, American Family enhances its reputation as one of the best Prescott Valley, Arizona auto insurance providers. Find out more in our American Family auto insurance review.
Cons
- Limited Discounts: American Family’s discount options might be less extensive compared to other providers, which could affect its position as the best Prescott Valley, Arizona auto insurance choice for budget-conscious customers.
- Availability Issues: Certain coverage options or benefits might not be available in all areas, which can impact its effectiveness as the best Prescott Valley, Arizona auto insurance provider for those outside major regions.
#6 – Geico: Best for Cheap Rates
Pros
- Top Choice for Affordable Rates: Geico is renowned for offering some of the most affordable rates, making it a leading option for the best Prescott Valley, Arizona auto insurance.
- Diverse Coverage Options: With a range of coverage options, Geico caters to various needs, making it a strong contender for those seeking the best Prescott Valley, Arizona auto insurance.
- Streamlined Claim Processing: Geico’s efficient claim processing system enhances the experience, contributing to its reputation as a top provider for the best Prescott Valley, Arizona auto insurance. Explore further in our Geico auto insurance review.
Cons
- Limited Local Presence: Geico’s local office network in Prescott Valley, Arizona may be less extensive compared to other insurers, potentially impacting personalized service.
- Customer Service Variability: Some customers report inconsistent experiences with Geico’s customer service, which can affect its standing as the best Prescott Valley, Arizona auto insurance provider.
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#7 – USAA: Best for Military Members
Pros
- Tailored for Military Members: USAA offers specialized benefits designed specifically for military members, making it the best Prescott Valley, Arizona auto insurance choice for this group.
- Comprehensive Coverage Options: Provides extensive coverage options, which enhances its reputation as the best Prescott Valley, Arizona auto insurance for complete protection. Read more in our USAA auto insurance review.
- Exceptional Customer Service: Renowned for its superior customer service, USAA ensures a top-notch experience for those seeking the best Prescott Valley, Arizona auto insurance.
Cons
- Limited to Military Members: USAA’s services are restricted to military members and their families, which limits its accessibility for the best Prescott Valley, Arizona auto insurance.
- Lower Bundling Discount: The bundling discount may not be as high as those from other leading providers for the best Prescott Valley, Arizona auto insurance.
#8 – Liberty Mutual: Best for 24/7 Support
Pros
- Comprehensive 24/7 Support: Liberty Mutual provides 24/7 customer support, enhancing its standing as a provider of the best Prescott Valley, Arizona auto insurance. View additional details in our Liberty Mutual auto insurance review.
- Wide Range of Coverage Options: With a variety of coverage options available, Liberty Mutual is a strong choice for those seeking the best Prescott Valley, Arizona auto insurance.
- Customer-Focused Service: Known for excellent customer service, Liberty Mutual contributes to its reputation as a top contender for the best Prescott Valley, Arizona auto insurance.
Cons
- Higher Premiums for Some Drivers: Liberty Mutual’s premiums may be higher for certain drivers, which could impact its status as the best Prescott Valley, Arizona auto insurance provider for those seeking lower rates
- Limited Local Discounts: Compared to other providers, Liberty Mutual may offer fewer localized discounts specific to Prescott Valley, Arizona, affecting its competitiveness in the local auto insurance market.
#9 – The Hartford: Best for Tailored Policies
Pros
- Tailored Coverage Options: The Hartford provides tailored policies, which are highly beneficial for securing the best Prescott Valley, Arizona auto insurance that suits individual needs.
- Strong Customer Service: Renowned for its excellent customer service, The Hartford stands out as a top choice for the best Prescott Valley, Arizona auto insurance experience. Get more information in our The Hartford auto insurance review.
- Reliable Claim Processing: The Hartford’s dependable claim processing ensures a smooth experience, making it a strong contender for the best Prescott Valley, Arizona auto insurance.
Cons
- Higher Premiums: The Hartford may have higher premiums compared to some competitors, which could affect affordability for the best Prescott Valley, Arizona auto insurance.
- Limited Discounts: The Hartford offers fewer discounts than other providers, which might impact savings on the best Prescott Valley, Arizona auto insurance.
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#10 – Nationwide: Best for Vanishing Deductible
Pros
- Unique Vanishing Deductible Feature: Nationwide’s Vanishing Deductible feature offers a unique benefit for those seeking the best Prescott Valley, Arizona auto insurance by reducing your deductible over time with each claim-free year.
- Strong Coverage Options: Nationwide provides a range of coverage options tailored to various needs, making it a strong contender for the best Prescott Valley, Arizona auto insurance.
- Solid Customer Service: The company is well-regarded for its customer service, enhancing the overall experience for customers looking for the best Prescott Valley, Arizona auto insurance. Unlock details in our Nationwide auto insurance review.
Cons
- Limited Local Presence: Nationwide’s presence in Prescott Valley, Arizona, may not be as extensive as some local providers, potentially affecting accessibility and personalized service for the best Prescott Valley, Arizona auto insurance.
- Higher Rates for Some Drivers: Depending on individual circumstances, Nationwide’s rates may be higher compared to other providers, which could impact its competitiveness for the best Prescott Valley, Arizona auto insurance.
Minimum Auto Insurance in Prescott Valley, Arizona
In Prescott Valley, Arizona, state laws mandate that drivers carry minimum auto insurance coverage to ensure financial responsibility in the event of an accident. To comply with these regulations, motorists must have Bodily Injury Liability Coverage of at least $15,000 per person and $30,000 per accident.
This coverage helps cover medical expenses and other costs if someone is injured in an accident where the policyholder is at fault. Additionally, drivers are required to have Property Damage Liability Coverage with a minimum limit of $10,000. This insurance is designed to cover the cost of repairs or replacement for property damaged in an accident caused by the insured vehicle.
State Farm stands out as the best for auto insurance due to its exceptional customer service and competitive rates.Brandon Frady Licensed Insurance Producer
Adhering to these minimum coverage requirements is essential for driving legally in Prescott Valley and protecting oneself from significant financial liability.
Prescott Valley, Arizona Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $72 | $161 |
| American Family | $58 | $149 |
| Farmers | $67 | $152 |
| Geico | $47 | $129 |
| Liberty Mutual | $71 | $169 |
| Nationwide | $61 | $146 |
| Progressive | $59 | $143 |
| State Farm | $53 | $138 |
| The Hartford | $64 | $156 |
| USAA | $48 | $127 |
Explore Prescott Valley, Arizona’s auto insurance rates with a clear breakdown of monthly costs by coverage level and provider. Geico offers the most affordable minimum coverage at $47, while USAA provides the lowest full coverage rate at $127. Liberty Mutual stands out with its premium full coverage at $169. This overview helps compare different companies’ pricing for both minimum and full coverage options.
Know the kinds of automobile insurance discounts available from top carriers in Prescott Valley, Arizona. There is a long list of various insurance discount topics provided in this table, such as multi-policy and good student, amongst others, and some that are more specific, like anti-theft and defensive driving. See where the best deals are to trim down your insurance costs or get the best value from your policy.
Prescott Valley, Arizona Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Prescott Valley, Arizona vary significantly based on age, gender, and marital status. To find the most affordable options, consider how these demographic factors influence annual premiums. Here’s a breakdown of how rates differ across various groups:
Prescott Valley, Arizona Auto Insurance Monthly Rates by Age, Gender & Provider
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $452 | $585 | $233 | $253 | $208.42 | $208 | $203 | $203 |
| American Family | $530 | $688 | $202 | $238 | $202.17 | $202 | $186 | $186 |
| Farmers | $719 | $742 | $196 | $203 | $172.83 | $172 | $154 | $164 |
| Geico | $341 | $362 | $108 | $108 | $118.00 | $132 | $99 | $125 |
| Nationwide | $393 | $503 | $188 | $203 | $164 | $167 | $147 | $156 |
| Progressive | $618 | $689 | $163 | $163 | $152 | $133 | $136 | $130 |
| State Farm | $619 | $778 | $217 | $274 | $201 | $201 | $177 | $177 |
| Travelers | $419 | $524 | $154 | $161 | $145 | $153 | $135 | $143 |
| USAA | $451 | $517 | $160 | $172 | $122 | $123 | $115 | $116 |
By examining these factors, you can better understand how to secure the most cost-effective coverage tailored to your specific profile. This insight empowers you to make informed decisions and potentially save on your insurance costs.
Prescott Valley, Arizona Auto Insurance for Teen Drivers
Finding affordable auto insurance for teenage drivers in Prescott Valley, Arizona, can be challenging due to the higher risk associated with young drivers. Understanding the variations in annual rates among different insurers can help you make an informed decision.
Below is a detailed comparison of annual auto insurance rates for single 17-year-old drivers, both female and male, from several leading insurance companies. This information highlights the most cost-effective options available in Prescott Valley.
Prescott Valley, Arizona Teen Auto Insurance Monthly Rates by Provider & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male |
|---|---|---|
| Allstate | $452 | $585 |
| American Family | $530 | $688 |
| Farmers | $719 | $742 |
| Geico | $341 | $362 |
| Nationwide | $393 | $503 |
| Progressive | $618 | $689 |
| State Farm | $619 | $778 |
| Travelers | $419 | $524 |
| USAA | $451 | $517 |
This detailed overview offers valuable insights into the most budget-friendly auto insurance options for teen drivers in Prescott Valley. By examining annual rates from various insurers, it delivers a clear perspective on how to secure the best deals for young drivers.
Whether you’re seeking the most affordable coverage or simply want to compare rates, this guide will help you navigate your choices and find the best rates available.
Prescott Valley, Arizona Auto Insurance for Seniors
For seniors in Prescott Valley, Arizona, auto insurance rates can vary significantly. Here’s a breakdown of the annual average rates for 60-year-old drivers, both male and female, from various insurance companies:
| Insurance Company | Age: 60 Female | Age: 60 Male |
|---|---|---|
| Allstate | $203 | $203 |
| American Family | $186 | $186 |
| Farmers | $154 | $164 |
| Geico | $99 | $125 |
| Nationwide | $147 | $156 |
| Progressive | $136 | $130 |
| State Farm | $177 | $177 |
| Travelers | $135 | $143 |
| USAA | $115 | $116 |
These figures represent the average annual rates for married senior drivers in Prescott Valley, Arizona. They highlight the most competitive rates offered by leading insurers, helping you identify the best options for cheap auto insurance for drivers over 60.
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Prescott Valley, Arizona Auto Insurance By Driving Record
Your driving record significantly impacts your auto insurance premiums. In Prescott Valley, Arizona, rates vary depending on whether you have a clean record or past incidents such as accidents, DUIs, or speeding violations. Here’s a look at the annual auto insurance rates for different driving records in Prescott Valley:
Prescott Valley, Arizona Auto Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| Allstate | $236 | $297 | $337 | $304 |
| American Family | $215 | $339 | $414 | $249 |
| Farmers | $266 | $343 | $335 | $317 |
| Geico | $135 | $182 | $244 | $135 |
| Nationwide | $204 | $214 | $315 | $228 |
| Progressive | $241 | $317 | $254 | $280 |
| State Farm | $301 | $360 | $331 | $331 |
| Travelers | $184 | $239 | $265 | $229 |
| USAA | $162 | $231 | $305 | $190 |
This comparison illustrates how various driving infractions, such as accidents, DUIs, and speeding violations, influence auto insurance rates in Prescott Valley, Arizona.
By examining these rates, you can better understand the financial impact of different driving records and identify which insurance providers offer the most competitive premiums for your specific driving history.
Prescott Valley, Arizona Auto Insurance Rates After a DUI
Securing affordable auto insurance after a DUI in Prescott Valley, Arizona can be challenging. To help you find the best deal, compare the annual rates from various insurance providers. Here are the annual auto insurance rates for those with a DUI in Prescott Valley:
Prescott Valley, Arizona DUI Auto Insurance Monthly Rates by Provider
| Company | Rates |
|---|---|
| Allstate | $337 |
| American Family | $414 |
| Farmers | $335 |
| Geico | $244 |
| Nationwide | $315 |
| Progressive | $254 |
| State Farm | $331 |
| Travelers | $265 |
| USAA | $305 |
When searching for affordable auto insurance rates after a DUI in Prescott Valley, it’s crucial to compare options carefully. By reviewing the annual rates from different providers, you can identify the most cost-effective coverage that meets your needs. Choose wisely to ensure you get the best value while meeting your insurance requirements.
Prescott Valley, Arizona Auto Insurance By Credit History
Credit history plays a crucial role in determining auto insurance rates in Prescott Valley, Arizona. Drivers with better credit scores often enjoy significantly lower premiums, while those with poor credit may face higher costs.
Understanding how credit score impacts your insurance can help you make informed decisions and potentially save on coverage.
| Insurance Company | Bad Credit | Fair Credit | Good Credit |
|---|---|---|---|
| Allstate | $375 | $267 | $238 |
| American Family | $383 | $285 | $245 |
| Farmers | $359 | $301 | $286 |
| Geico | $239 | $157 | $126 |
| Nationwide | $288 | $230 | $202 |
| Progressive | $305 | $266 | $248 |
| State Farm | $609 | $236 | $147 |
| Travelers | $279 | $228 | $181 |
| USAA | $292 | $204 | $170 |
This overview highlights the connection between credit history and auto insurance rates in Prescott Valley, Arizona. As credit scores improve, drivers typically see a decrease in their annual premiums, reflecting the insurance industry’s view of credit as a measure of risk.
Prescott Valley, Arizona Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Prescott Valley, Arizona, can fluctuate based on ZIP code. To understand how location impacts your insurance costs, compare the annual and monthly rates by ZIP code. This comparison can help you find the most affordable options in your area.
Prescott Valley, Arizona Auto Insurance Monthly Rates by ZIP Code
| ZIP | Rate |
|---|---|
| 86314 | $264 |
| 86315 | $261 |
In the charming town of Prescott Valley, Arizona, where scenic desert landscapes meet bustling suburban life, your ZIP code can play a pivotal role in determining your auto insurance rates. As you navigate the winding roads and tranquil neighborhoods, understanding how these rates fluctuate across different ZIP codes can help you find the most affordable coverage.
By comparing the annual costs, you can discover how your specific location within Prescott Valley influences the price you pay to stay protected on the road.
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Prescott Valley, Arizona Auto Insurance Rates By Commute
How much and how long you drive daily will impact your cheap auto insurance in Prescott Valley, Arizona. This guide discusses the ways in which these factors come into play for your insurance rates so that you can become focused on the most reasonable options. Compare the monthly rates below for driving 6,000 versus 12,000 miles per year with top providers in Prescott Valley to make sure you’re getting the best deal.
Prescott Valley, Arizona Auto Insurance Monthly Rates by Provider & Annual Mileage
| Insurance Company | 6,000 Miles | 12,000 Miles |
|---|---|---|
| Allstate | $293 | $293 |
| American Family | $301 | $307 |
| Farmers | $315 | $315 |
| Geico | $171 | $177 |
| Nationwide | $240 | $240 |
| Progressive | $273 | $273 |
| State Farm | $322 | $339 |
| Travelers | $229 | $229 |
| USAA | $220 | $224 |
Monthly auto insurance rates in Prescott Valley, Arizona, vary depending on your annual mileage. The comparison shows how driving 6,000 miles versus 12,000 miles each year can affect your insurance costs. For detailed information, refer to our comprehensive report titled “How Annual Mileage Affects Your Auto Insurance Rates.”
By understanding these variations, you can choose coverage that aligns with your driving habits and budget, ensuring you get the most cost-effective policy for your needs.
Auto Insurance Rates by Coverage Level in Prescott Valley, Arizona
Understanding how different types of auto insurance impact your premiums is crucial when shopping for affordable rates in Prescott Valley, Arizona. Comparing the costs associated with low, medium, and high coverage options can help you make informed decisions based on your budget and protection needs. Below is a breakdown of monthly auto insurance rates by coverage level from top providers in Prescott Valley, Arizona.
Prescott Valley, Arizona Auto Insurance Monthly Rates by Coverage Level
| Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $273 | $295 | $312 |
| American Family | $293 | $314 | $306 |
| Farmers | $277 | $318 | $351 |
| Geico | $150 | $176 | $196 |
| Nationwide | $232 | $242 | $247 |
| Progressive | $243 | $278 | $299 |
| State Farm | $299 | $337 | $357 |
| Travelers | $207 | $233 | $248 |
| USAA | $204 | $225 | $237 |
Comparing Prescott Valley, Arizona, auto insurance rates at different coverage levels each month will show how your choice of coverage affects the overall cost. A consumer’s choice of low, medium, or high coverage greatly alters their monthly premium depending on which provider they choose.
Looking through these rates will help you tailor your auto insurance choice to better suit your wallet and needs for protection while in Prescott Valley.
The Cheapest Prescott Valley, Arizona Auto Insurance Companies
Finding the cheapest auto insurance in Prescott Valley, Arizona, can help drivers save significantly on their annual premiums. By comparing rates from the top providers, residents can identify the most affordable options tailored to their needs. Below is a detailed comparison of the leading auto insurance companies in Prescott Valley, highlighting the annual rates offered by each.
Cheapest Prescott Valley, Arizona Auto Insurance Companies
| Company | Rates |
|---|---|
| Allstate | $293 |
| American Family | $304 |
| Farmers | $315 |
| Geico | $174 |
| Nationwide | $240 |
| Progressive | $273 |
| State Farm | $331 |
| Travelers | $229 |
| USAA | $222 |
The rates presented offer a clear comparison of the most competitive auto insurance options in Prescott Valley, Arizona. By analyzing these figures, drivers can easily identify the most cost-effective choices for their coverage needs. With premiums varying significantly among providers, this detailed breakdown helps residents select the best option for their budget while ensuring they receive adequate protection.
State Farm excels in offering top-tier auto insurance with unmatched reliability and comprehensive coverage options.Daniel Walker Licensed Auto Insurance Agent
Understanding these rates empowers consumers to make informed decisions, optimizing their insurance expenses without compromising on quality.
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Factors Influencing Auto Insurance Rates in Prescott Valley, Arizona
There are a lot of reasons why auto insurance rates in Prescott Valley, Arizona are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Prescott Valley, Arizona. Many local factors may affect your Prescott Valley auto insurance rates.
Prescott Valley Auto Theft
One major driver of car insurance costs in Prescott Valley is whether auto insurance covers vehicle theft. When there is a high incidence of automobile thefts, insurance premiums often rise as insurers face more claims. According to the annual report by the FBI, Prescott Valley, Arizona, reported a record 27 car thefts. This increase in vehicle thefts could lead to higher premiums charged by local car insurers.
Prescott Valley Commute Time
Another significant factor affecting auto insurance rates in Prescott Valley is the average commute time. Longer commute times generally correlate with higher insurance rates because they increase the likelihood of accidents. In Prescott Valley, the average commute is 20.6 minutes, as reported by City-Data, which could be a contributing factor to the area’s auto insurance rates.
Other Local Factors
Beyond theft and commute times, other local factors such as road conditions, traffic density, and the overall number of vehicles on the road can also impact auto insurance premiums in Prescott Valley. Each of these elements plays a role in determining the cost of insuring a vehicle in the area.
Compare Prescott Valley, Arizona Auto Insurance Quotes
Securing the right auto insurance in Prescott Valley, Arizona, requires thorough comparison to find the most competitive rates and optimal coverage. By comparing quotes from multiple insurers, you can ensure that you’re not overpaying while still getting the protection you need.
Enter your ZIP code below to receive free, customized auto insurance quotes tailored specifically for Prescott Valley. Evaluate offers from leading insurance providers, compare coverage options, and choose the policy that best fits your needs and budget. Don’t settle for less—get the best deal on your Prescott Valley auto insurance today.
Frequently Asked Questions
How can I find the best Prescott Valley, Arizona auto insurance for my vehicle?
To find the best Prescott Valley, Arizona auto insurance for your vehicle, compare quotes from multiple insurance companies, review coverage options, and consider customer reviews. You may also want to check for discounts and evaluate the financial stability of each provider.
What should I look for in the best Prescott Valley, Arizona auto insurance policy?
When searching for the best Prescott Valley, Arizona auto insurance policy, consider comprehensive coverage, low deductibles, high liability limits, and any additional perks such as roadside assistance. Ensure the policy meets both state requirements and your personal needs.
To gain further insights, consult our comprehensive guide titled “Comprehensive Auto Insurance Defined.”
What car insurance does Arizona require?
Arizona requires drivers to have car insurance that meets or exceeds the following minimum car insurance coverage levels: Bodily injury liability coverage: Minimum $25,000 per person / $50,000 per accident. Property damage liability coverage: Minimum $15,000.
Find the best auto insurance company near you by entering your ZIP code into our free quote tool below.
How do local Prescott Valley, Arizona factors impact auto insurance premiums?
Local factors in Prescott Valley, Arizona, such as traffic density, crime rates, and weather conditions can impact auto insurance premiums. Areas with higher accident rates or higher theft statistics may result in higher premiums compared to less risky areas.
How often should I review my Prescott Valley, Arizona auto insurance policy?
It is advisable to review your Prescott Valley, Arizona auto insurance policy annually or whenever there are significant changes in your life, such as a new vehicle, a change in address, or a change in driving habits. Regular reviews ensure you have the best coverage and rates for your current situation.
To gain in-depth knowledge, consult our comprehensive resource titled “Understanding Your Auto Insurance Policy.”
Why is Arizona insurance expensive?
In Arizona, weather events like wildfires, droughts, and floods are becoming increasingly common. These weather events cause insurers to pay out a higher number of claims, which tend to be more expensive and less predictable. As a result, they have to raise rates to keep pace.
What factors determine the best Prescott Valley, Arizona auto insurance rates?
The best Prescott Valley, Arizona auto insurance rates are determined by several factors including your driving record, vehicle type, coverage levels, age, and credit score. Insurance providers also consider local accident rates and traffic conditions in Prescott Valley.
Can I get affordable rates with the best Prescott Valley, Arizona auto insurance?
Yes, it is possible to get affordable rates with the best Prescott Valley, Arizona auto insurance by shopping around, bundling policies, maintaining a clean driving record, and taking advantage of available discounts. Comparing quotes from different insurers can help you find the best rates.
To expand your knowledge, refer to our comprehensive handbook titled “How to Lower Your Auto Insurance Rates.”
What is the best type of car insurance to get?
Comprehensive car insurance gives you the highest level of protection available. If your car is damaged, written-off, stolen, vandalized or destroyed in a fire, storms or by flooding you will receive full recompense.
If you’re looking to lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool below to compare your rates against the top insurers.
Which insurance companies offer the best auto insurance in Prescott Valley, Arizona?
While the best Prescott Valley, Arizona auto insurance can vary based on individual needs, some companies known for competitive rates and quality service include State Farm, Geico, and Progressive. Comparing these providers can help you find the best policy for your situation.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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.
