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

  • Average car insurance rates in Lake Montezuma, AZ are $300/month
  • Average car insurance rates in Lake Montezuma, AZ for senior drivers are $2,071/year
  • The cheapest car insurance company in Lake Montezuma after a DUI is GEICO

Average car insurance rates in Lake Montezuma, Arizona are $300 a month. But with a little research you can get a great deal from the top car insurance companies in Lake Montezuma, AZ. Before you buy Lake Montezuma, Arizona car insurance, make sure your coverage meets or exceeds the Arizona minimum of 15/30/10.

It may even be helpful to compare Lake Montezuma car insurance rates with Scottsdale car insurance rates, Glendale car insurance rates, or Surprise car insurance rates to make sure you’re getting the best Lake Montezuma, AZ car insurance quotes available.

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

Lake Montezuma, AZ Minimum Car Insurance Coverage

Lake Montezuma, 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 Lake Montezuma, 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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Lake Montezuma, AZ Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lake Montezuma, Arizona

Insurance Company Low Medium High
Allstate $3,985 $4,251 $4,455
American Family $3,574 $3,831 $3,732
Farmers $4,090 $4,912 $5,584
GEICO $1,802 $2,117 $2,350
Nationwide $2,779 $2,909 $2,958
Progressive $3,039 $3,439 $3,671
State Farm $3,669 $4,109 $4,343
Travelers $4,099 $4,719 $5,099
USAA $2,374 $2,624 $2,764

Lake Montezuma, AZ Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lake Montezuma, 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 $2,968 $2,968 $2,895 $2,895 $6,581 $8,561 $3,337 $3,636
American Family $2,462 $2,462 $2,261 $2,261 $6,473 $8,414 $2,462 $2,900
Farmers $2,636 $2,636 $2,350 $2,511 $11,181 $11,558 $2,966 $3,057
GEICO $1,416 $1,584 $1,183 $1,501 $4,095 $4,344 $1,299 $1,293
Nationwide $1,970 $2,008 $1,767 $1,872 $4,713 $6,030 $2,257 $2,438
Progressive $1,854 $1,634 $1,669 $1,582 $7,686 $8,605 $2,012 $2,020
State Farm $2,451 $2,451 $2,149 $2,149 $7,599 $9,531 $2,641 $3,353
Travelers $2,909 $3,071 $2,679 $2,858 $8,508 $10,731 $3,094 $3,259
USAA $1,433 $1,437 $1,341 $1,358 $5,241 $6,006 $1,874 $2,008

Lake Montezuma, AZ Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Lake Montezuma, Arizona

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,581 $8,561
American Family $6,473 $8,414
Farmers $11,181 $11,558
GEICO $4,095 $4,344
Nationwide $4,713 $6,030
Progressive $7,686 $8,605
State Farm $7,599 $9,531
Travelers $8,508 $10,731
USAA $5,241 $6,006

Lake Montezuma, AZ Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Lake Montezuma, Arizona

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,895 $2,895
American Family $2,261 $2,261
Farmers $2,350 $2,511
GEICO $1,183 $1,501
Nationwide $1,767 $1,872
Progressive $1,669 $1,582
State Farm $2,149 $2,149
Travelers $2,679 $2,858
USAA $1,341 $1,358

Lake Montezuma, AZ Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Lake Montezuma, Arizona

Insurance Company Poor Fair Good
Allstate $5,422 $3,855 $3,414
American Family $4,668 $3,474 $2,994
Farmers $5,562 $4,626 $4,398
GEICO $2,867 $1,884 $1,517
Nationwide $3,460 $2,761 $2,425
Progressive $3,770 $3,297 $3,082
State Farm $7,443 $2,878 $1,801
Travelers $5,678 $4,600 $3,638
USAA $3,401 $2,379 $1,981

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Lake Montezuma, AZ Car Insurance Rates by Driver History

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

Annual Lake Montezuma, Arizona Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,384 $4,276 $4,872 $4,388
American Family $2,618 $4,128 $5,060 $3,043
Farmers $4,109 $5,297 $5,173 $4,868
GEICO $1,622 $2,182 $2,931 $1,622
Nationwide $2,446 $2,570 $3,780 $2,731
Progressive $2,986 $3,927 $3,152 $3,466
State Farm $3,676 $4,405 $4,040 $4,040
Travelers $3,694 $4,826 $5,414 $4,621
USAA $1,885 $2,693 $3,554 $2,216

Lake Montezuma, AZ Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Lake Montezuma, Arizona

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,872
American Family $5,060
Farmers $5,173
GEICO $2,931
Nationwide $3,780
Progressive $3,152
State Farm $4,040
Travelers $5,414
USAA $3,554

Lake Montezuma, AZ Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Lake Montezuma, Arizona

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,230 $4,230
American Family $3,676 $3,748
Farmers $4,862 $4,862
GEICO $2,055 $2,124
Nationwide $2,882 $2,882
Progressive $3,383 $3,383
State Farm $3,941 $4,140
Travelers $4,639 $4,639
USAA $2,559 $2,615

Lake Montezuma, AZ Cheapest Car Insurance Rates

How do the top Lake Montezuma, Arizona car insurance companies’ average rates stack up against the Lake Montezuma average monthly car insurance rates of $300? Take a look and see.

Best Annual Car Insurance Rates by Company in Lake Montezuma, Arizona

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

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Lake Montezuma, AZ Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Lake Montezuma, Arizona

Insurance Company Average Annual Rates
Allstate $4,230
American Family $3,712
Farmers $4,862
GEICO $2,089
Nationwide $2,882
Progressive $3,383
State Farm $4,040
Travelers $4,639
USAA $2,587

Other Factors Affecting Lake Montezuma, AZ Car Insurance Rates

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

Lake Montezuma, AZ Commute Time

How does your Lake Montezuma, AZ commute time compare with the average driver? In Lake Montezuma, the average commute is 27.1 minutes.

Lake Montezuma, AZ Car Insurance Quotes

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