Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • The cheapest car insurance company in Central for teen drivers is GEICO
  • Average car insurance rates in Central, AZ for senior drivers are $1,821/year
  • Average car insurance rates in Central, AZ are $263/month

Average car insurance rates in Central, Arizona are $263 a month. But with a little research you can get a great deal from the top car insurance companies in Central, AZ. Before you buy Central, Arizona car insurance, make sure your coverage meets or exceeds the Arizona minimum of 15/30/10.

It may even be helpful to compare Central car insurance rates with Chandler car insurance rates, Peoria car insurance rates, or Tempe car insurance rates to make sure you’re getting the best Central, AZ car insurance quotes available.

Need affordable Central, AZ car insurance? Enter your ZIP code to compare Central car insurance quotes from multiple car insurance companies near you.

Central, AZ Minimum Car Insurance Coverage

Central, Arizona law requires drivers carry a minimum of 15/30/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Central, Arizona

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

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Central, AZ Car Insurance Rates by Coverage Level

Some Central drivers can get by with the Arizona minimum coverage of 15/30/10. Other drivers may need more. See how much your Central, Arizona car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Central, Arizona

Insurance Company Low Medium High
Allstate $3,837 $4,071 $4,260
American Family $3,307 $3,544 $3,451
Farmers $3,259 $3,942 $4,503
GEICO $1,697 $2,063 $2,349
Nationwide $2,818 $2,934 $2,977
Progressive $2,728 $3,095 $3,312
State Farm $3,505 $3,928 $4,154
Travelers $1,903 $2,115 $2,244
USAA $2,860 $3,143 $3,299

Central, AZ Car Insurance Rates by Age, Gender, and Marital Status

Central, Arizona car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Central, AZ car insurance, get quotes from multiple car insurance companies in the Central area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Central, Arizona

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 $2,849 $2,849 $2,775 $2,775 $6,299 $8,205 $3,203 $3,492
American Family $2,298 $2,298 $2,111 $2,111 $5,942 $7,712 $2,298 $2,701
Farmers $2,068 $2,081 $1,834 $1,949 $9,047 $9,449 $2,344 $2,438
GEICO $1,399 $1,561 $1,187 $1,511 $3,946 $4,156 $1,276 $1,258
Nationwide $1,981 $2,019 $1,776 $1,880 $4,781 $6,111 $2,275 $2,455
Progressive $1,693 $1,492 $1,523 $1,448 $6,876 $7,674 $1,828 $1,827
State Farm $2,343 $2,343 $2,054 $2,054 $7,266 $9,113 $2,524 $3,204
Travelers $1,352 $1,417 $1,251 $1,325 $3,764 $4,670 $1,426 $1,495
USAA $1,716 $1,728 $1,594 $1,626 $6,256 $7,187 $2,262 $2,436

Central, AZ Car Insurance Rates for Teens

How much is Central, Arizona car insurance for teens? Compare rates from top Central car insurance companies below to help find the cheapest teen car insurance in Central, AZ.

Annual Car Insurance Rates for Teen Drivers in Central, Arizona

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,299 $8,205
American Family $5,942 $7,712
Farmers $9,047 $9,449
GEICO $3,946 $4,156
Nationwide $4,781 $6,111
Progressive $6,876 $7,674
State Farm $7,266 $9,113
Travelers $3,764 $4,670
USAA $6,256 $7,187

Central, AZ Car Insurance Rates for Seniors

Before seniors buy Central, Arizona car insurance, they should make sure to shop around. Some Central, AZ car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Central, Arizona

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,775 $2,775
American Family $2,111 $2,111
Farmers $1,834 $1,949
GEICO $1,187 $1,511
Nationwide $1,776 $1,880
Progressive $1,523 $1,448
State Farm $2,054 $2,054
Travelers $1,251 $1,325
USAA $1,594 $1,626

Central, AZ Car Insurance Rates by Credit History

How does your credit history affect Central, AZ car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Central, Arizona

Insurance Company Poor Fair Good
Allstate $5,194 $3,703 $3,271
American Family $4,315 $3,216 $2,772
Farmers $4,442 $3,721 $3,541
GEICO $2,794 $1,837 $1,479
Nationwide $3,493 $2,789 $2,447
Progressive $3,397 $2,966 $2,772
State Farm $7,113 $2,752 $1,723
Travelers $2,533 $2,077 $1,652
USAA $4,091 $2,847 $2,364

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Central, AZ Car Insurance Rates by Driver History

How does a single speeding ticket affect your Central, Arizona car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Central.

Annual Central, Arizona Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,254 $4,103 $4,668 $4,199
American Family $2,419 $3,845 $4,663 $2,810
Farmers $3,301 $4,249 $4,148 $3,907
GEICO $1,585 $2,136 $2,840 $1,585
Nationwide $2,470 $2,594 $3,817 $2,757
Progressive $2,692 $3,527 $2,841 $3,121
State Farm $3,514 $4,211 $3,862 $3,862
Travelers $1,683 $2,179 $2,400 $2,087
USAA $2,260 $3,222 $4,262 $2,658

Central, AZ Car Insurance Rates With a DUI

Even a single DUI can increase your Central, AZ car insurance rates. Compare rates below to see which Central car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Central, Arizona

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,668
American Family $4,663
Farmers $4,148
GEICO $2,840
Nationwide $3,817
Progressive $2,841
State Farm $3,862
Travelers $2,400
USAA $4,262

Central, AZ Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Central, AZ car insurance rates may be. Let’s take a look at average car insurance rates from top Central companies based on commute time.

Annual Car Insurance Rates by Commute Length in Central, Arizona

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,056 $4,056
American Family $3,400 $3,468
Farmers $3,901 $3,901
GEICO $2,001 $2,073
Nationwide $2,910 $2,910
Progressive $3,045 $3,045
State Farm $3,767 $3,958
Travelers $2,087 $2,087
USAA $3,067 $3,135

Central, AZ Cheapest Car Insurance Rates

How do the top Central, Arizona car insurance companies’ average rates stack up against the Central average monthly car insurance rates of $263? Take a look and see.

Best Annual Car Insurance Rates by Company in Central, Arizona

Category Insurance Company
Teenagers GEICO
Seniors Travelers
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Travelers
With 1 Speeding Violation GEICO

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Central, AZ Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Central, Arizona car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Central, Arizona

Insurance Company Average Annual Rates
Allstate $4,056
American Family $3,434
Farmers $3,901
GEICO $2,037
Nationwide $2,910
Progressive $3,045
State Farm $3,862
Travelers $2,087
USAA $3,101

Other Factors Affecting Central, AZ Car Insurance Rates

Before you buy Central, Arizona car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Central, AZ Commute Time

How does your Central, AZ commute time compare with the average driver? In Central, the average commute is 19.8 minutes.

Central, AZ Car Insurance Quotes

Compare Central, AZ car insurance quotes from multiple companies by entering your ZIP code now.