A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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 insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Oro Valley after a DUI is GEICO
  • The cheapest car insurance company in Oro Valley for teen drivers is GEICO
  • The annual number of car thefts in Oro Valley is 18.

Average car insurance rates in Oro Valley, Arizona are $314 a month. But with a little research you can get a great deal from the top car insurance companies in Oro Valley, AZ. Before you buy Oro Valley, Arizona car insurance, make sure your coverage meets or exceeds the Arizona minimum of 15/30/10.

It may even be helpful to compare Oro Valley car insurance rates with Tempe car insurance rates, Gilbert car insurance rates, or Mesa car insurance rates to make sure you’re getting the best Oro Valley, AZ car insurance quotes available.

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

Oro Valley, AZ Minimum Car Insurance Coverage

Oro Valley, 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 Oro Valley, 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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Oro Valley, AZ Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Oro Valley, Arizona

Insurance Company Low Medium High
Allstate $4,900 $5,215 $5,469
American Family $3,766 $4,032 $3,923
Farmers $4,256 $5,016 $5,620
GEICO $1,711 $2,070 $2,329
Nationwide $3,149 $3,318 $3,384
Progressive $3,029 $3,486 $3,756
State Farm $4,270 $4,849 $5,159
Travelers $2,898 $3,305 $3,553
USAA $2,892 $3,186 $3,348

Oro Valley, AZ Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oro Valley, 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 $3,643 $3,643 $3,553 $3,553 $8,075 $10,521 $4,099 $4,468
American Family $2,597 $2,597 $2,385 $2,385 $6,799 $8,840 $2,597 $3,056
Farmers $2,635 $2,630 $2,336 $2,483 $11,527 $11,984 $3,000 $3,116
GEICO $1,390 $1,543 $1,179 $1,501 $3,983 $4,179 $1,273 $1,246
Nationwide $2,220 $2,260 $1,987 $2,104 $5,429 $6,949 $2,556 $2,762
Progressive $1,888 $1,653 $1,699 $1,615 $7,798 $8,687 $2,031 $2,016
State Farm $2,870 $2,870 $2,534 $2,534 $8,988 $11,280 $3,089 $3,910
Travelers $2,026 $2,129 $1,888 $2,005 $6,007 $7,566 $2,143 $2,251
USAA $1,706 $1,709 $1,594 $1,611 $6,459 $7,395 $2,250 $2,408

Oro Valley, AZ Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Oro Valley, Arizona

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,075 $10,521
American Family $6,799 $8,840
Farmers $11,527 $11,984
GEICO $3,983 $4,179
Nationwide $5,429 $6,949
Progressive $7,798 $8,687
State Farm $8,988 $11,280
Travelers $6,007 $7,566
USAA $6,459 $7,395

Oro Valley, AZ Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Oro Valley, Arizona

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,553 $3,553
American Family $2,385 $2,385
Farmers $2,336 $2,483
GEICO $1,179 $1,501
Nationwide $1,987 $2,104
Progressive $1,699 $1,615
State Farm $2,534 $2,534
Travelers $1,888 $2,005
USAA $1,594 $1,611

Oro Valley, AZ Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Oro Valley, Arizona

Insurance Company Poor Fair Good
Allstate $6,657 $4,738 $4,188
American Family $4,914 $3,657 $3,150
Farmers $5,642 $4,741 $4,508
GEICO $2,794 $1,837 $1,479
Nationwide $3,947 $3,146 $2,757
Progressive $3,814 $3,337 $3,120
State Farm $8,753 $3,395 $2,131
Travelers $3,954 $3,228 $2,574
USAA $4,130 $2,889 $2,406

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Oro Valley, AZ Car Insurance Rates by Driver History

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

Annual Oro Valley, Arizona Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,171 $5,243 $5,976 $5,387
American Family $2,761 $4,326 $5,331 $3,209
Farmers $4,188 $5,411 $5,278 $4,978
GEICO $1,575 $2,143 $2,854 $1,575
Nationwide $2,782 $2,924 $4,319 $3,109
Progressive $3,022 $3,976 $3,189 $3,507
State Farm $4,324 $5,195 $4,759 $4,759
Travelers $2,599 $3,391 $3,777 $3,240
USAA $2,283 $3,276 $4,319 $2,688

Oro Valley, AZ Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Oro Valley, Arizona

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,976
American Family $5,331
Farmers $5,278
GEICO $2,854
Nationwide $4,319
Progressive $3,189
State Farm $4,759
Travelers $3,777
USAA $4,319

Oro Valley, AZ Car Insurance Rates by ZIP Code

Just like Oro Valley car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Oro Valley, AZ car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Oro Valley, Arizona

ZIP Code Average Annual Rates
85737 $3,830
85755 $3,666

Oro Valley, AZ Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Oro Valley, Arizona

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,194 $5,194
American Family $3,869 $3,945
Farmers $4,964 $4,964
GEICO $2,003 $2,070
Nationwide $3,283 $3,283
Progressive $3,423 $3,423
State Farm $4,639 $4,880
Travelers $3,252 $3,252
USAA $3,108 $3,175

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Oro Valley, AZ Cheapest Car Insurance Rates

How do the top Oro Valley, Arizona car insurance companies’ average rates stack up against the Oro Valley average monthly car insurance rates of $314? Take a look and see.

Best Annual Car Insurance Rates by Company in Oro Valley, Arizona

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

Oro Valley, AZ Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Oro Valley, Arizona

Insurance Company Average Annual Rates
Allstate $5,194
American Family $3,907
Farmers $4,964
GEICO $2,037
Nationwide $3,283
Progressive $3,423
State Farm $4,759
Travelers $3,252
USAA $3,142

Other Factors Affecting Oro Valley, AZ Car Insurance Rates

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

Oro Valley, AZ Car Theft Rates

The car theft rate in Oro Valley, AZ will affect your car insurance rates. FBI data shows that the annual car theft rate for Oro Valley, Arizona is 18 stolen cars.

Oro Valley, AZ Commute Time

How does your Oro Valley, AZ commute time compare with the average driver? In Oro Valley, the average commute is 27.9 minutes.

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Oro Valley, AZ Car Insurance Quotes

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