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 Oracle, AZ for senior drivers are $2,131/year
  • The cheapest car insurance company in Oracle for teen drivers is GEICO
  • The cheapest car insurance company in Oracle after a DUI is GEICO

Average car insurance rates in Oracle, Arizona are $305 a month. But with a little research you can get a great deal from the top car insurance companies in Oracle, AZ. Before you buy Oracle, Arizona car insurance, make sure your coverage meets or exceeds the Arizona minimum of 15/30/10.

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

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

Oracle, AZ Minimum Car Insurance Coverage

Oracle, 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 Oracle, 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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Oracle, AZ Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Oracle, Arizona

Insurance Company Low Medium High
Allstate $4,783 $5,207 $5,545
American Family $4,157 $4,447 $4,323
Farmers $3,954 $4,711 $5,324
GEICO $1,745 $2,075 $2,320
Nationwide $3,251 $3,440 $3,520
Progressive $2,969 $3,418 $3,682
State Farm $3,664 $4,122 $4,384
Travelers $2,806 $3,181 $3,410
USAA $2,625 $2,865 $3,001

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oracle, 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 $3,726 $3,726 $3,624 $3,624 $7,890 $10,182 $4,150 $4,501
American Family $2,854 $2,854 $2,619 $2,619 $7,519 $9,792 $2,854 $3,359
Farmers $2,485 $2,491 $2,205 $2,342 $10,784 $11,238 $2,822 $2,935
GEICO $1,402 $1,559 $1,177 $1,489 $3,988 $4,209 $1,283 $1,269
Nationwide $2,303 $2,346 $2,061 $2,184 $5,621 $7,201 $2,650 $2,865
Progressive $1,858 $1,635 $1,671 $1,587 $7,597 $8,490 $2,007 $2,003
State Farm $2,507 $2,507 $2,211 $2,211 $7,504 $9,427 $2,694 $3,391
Travelers $1,969 $2,070 $1,826 $1,941 $5,755 $7,223 $2,084 $2,191
USAA $1,580 $1,592 $1,467 $1,499 $5,657 $6,528 $2,076 $2,244

Oracle, AZ Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Oracle, Arizona

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,890 $10,182
American Family $7,519 $9,792
Farmers $10,784 $11,238
GEICO $3,988 $4,209
Nationwide $5,621 $7,201
Progressive $7,597 $8,490
State Farm $7,504 $9,427
Travelers $5,755 $7,223
USAA $5,657 $6,528

Oracle, AZ Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Oracle, Arizona

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,624 $3,624
American Family $2,619 $2,619
Farmers $2,205 $2,342
GEICO $1,177 $1,489
Nationwide $2,061 $2,184
Progressive $1,671 $1,587
State Farm $2,211 $2,211
Travelers $1,826 $1,941
USAA $1,467 $1,499

Oracle, AZ Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Oracle, Arizona

Insurance Company Poor Fair Good
Allstate $6,609 $4,710 $4,214
American Family $5,424 $4,032 $3,470
Farmers $5,308 $4,448 $4,232
GEICO $2,808 $1,846 $1,487
Nationwide $4,096 $3,259 $2,856
Progressive $3,745 $3,269 $3,054
State Farm $7,431 $2,904 $1,835
Travelers $3,812 $3,110 $2,475
USAA $3,742 $2,596 $2,153

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Oracle, AZ Car Insurance Rates by Driver History

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

Annual Oracle, Arizona Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,181 $5,242 $5,918 $5,371
American Family $3,051 $4,736 $5,902 $3,547
Farmers $3,941 $5,079 $4,956 $4,675
GEICO $1,592 $2,146 $2,857 $1,592
Nationwide $2,881 $3,030 $4,481 $3,223
Progressive $2,963 $3,896 $3,126 $3,440
State Farm $3,706 $4,408 $4,057 $4,057
Travelers $2,505 $3,267 $3,632 $3,124
USAA $2,067 $2,938 $3,887 $2,429

Oracle, AZ Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Oracle, Arizona

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,918
American Family $5,902
Farmers $4,956
GEICO $2,857
Nationwide $4,481
Progressive $3,126
State Farm $4,057
Travelers $3,632
USAA $3,887

Oracle, AZ Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Oracle, Arizona

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,178 $5,178
American Family $4,267 $4,351
Farmers $4,663 $4,663
GEICO $2,013 $2,081
Nationwide $3,404 $3,404
Progressive $3,356 $3,356
State Farm $3,957 $4,156
Travelers $3,132 $3,132
USAA $2,799 $2,862

Oracle, AZ Cheapest Car Insurance Rates

How do the top Oracle, Arizona car insurance companies’ average rates stack up against the Oracle average monthly car insurance rates of $305? Take a look and see.

Best Annual Car Insurance Rates by Company in Oracle, 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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Oracle, AZ Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Oracle, Arizona

Insurance Company Average Annual Rates
Allstate $5,178
American Family $4,309
Farmers $4,663
GEICO $2,047
Nationwide $3,404
Progressive $3,356
State Farm $4,057
Travelers $3,132
USAA $2,830

Other Factors Affecting Oracle, AZ Car Insurance Rates

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

Oracle, AZ Commute Time

How does your Oracle, AZ commute time compare with the average driver? In Oracle, the average commute is 36.1 minutes.

Oracle, AZ Car Insurance Quotes

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