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 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 Overgaard for teen drivers is GEICO
  • Average car insurance rates in Overgaard, AZ for senior drivers are $1,964/year
  • Average car insurance rates in Overgaard, AZ are $283/month

Average car insurance rates in Overgaard, Arizona are $283 a month. But with a little research you can get a great deal from the top car insurance companies in Overgaard, AZ. Before you buy Overgaard, Arizona car insurance, make sure your coverage meets or exceeds the Arizona minimum of 15/30/10.

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

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

Overgaard, AZ Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Overgaard, Arizona

Insurance Company Low Medium High
Allstate $3,618 $3,854 $4,037
American Family $4,026 $4,304 $4,181
Farmers $3,576 $4,155 $4,620
GEICO $1,982 $2,297 $2,540
Nationwide $3,145 $3,265 $3,309
Progressive $3,072 $3,504 $3,769
State Farm $3,459 $3,890 $4,120
Travelers $2,260 $2,510 $2,663
USAA $2,931 $3,212 $3,367

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Overgaard, 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 $2,706 $2,706 $2,628 $2,628 $5,932 $7,737 $3,041 $3,315
American Family $2,766 $2,766 $2,538 $2,538 $7,272 $9,457 $2,766 $3,260
Farmers $2,320 $2,304 $2,082 $2,223 $9,258 $9,473 $2,601 $2,676
GEICO $1,549 $1,734 $1,280 $1,612 $4,437 $4,730 $1,418 $1,426
Nationwide $2,190 $2,235 $1,958 $2,076 $5,350 $6,858 $2,522 $2,727
Progressive $1,935 $1,700 $1,730 $1,647 $7,753 $8,661 $2,082 $2,079
State Farm $2,332 $2,332 $2,054 $2,054 $7,145 $8,983 $2,510 $3,173
Travelers $1,622 $1,706 $1,480 $1,573 $4,435 $5,478 $1,721 $1,809
USAA $1,729 $1,735 $1,612 $1,634 $6,479 $7,439 $2,281 $2,450

Overgaard, AZ Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Overgaard, Arizona

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,932 $7,737
American Family $7,272 $9,457
Farmers $9,258 $9,473
GEICO $4,437 $4,730
Nationwide $5,350 $6,858
Progressive $7,753 $8,661
State Farm $7,145 $8,983
Travelers $4,435 $5,478
USAA $6,479 $7,439

Overgaard, AZ Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Overgaard, Arizona

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,628 $2,628
American Family $2,538 $2,538
Farmers $2,082 $2,223
GEICO $1,280 $1,612
Nationwide $1,958 $2,076
Progressive $1,730 $1,647
State Farm $2,054 $2,054
Travelers $1,480 $1,573
USAA $1,612 $1,634

Overgaard, AZ Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Overgaard, Arizona

Insurance Company Poor Fair Good
Allstate $4,930 $3,488 $3,092
American Family $5,252 $3,901 $3,358
Farmers $4,731 $3,906 $3,714
GEICO $3,123 $2,049 $1,647
Nationwide $3,896 $3,103 $2,719
Progressive $3,861 $3,356 $3,129
State Farm $7,040 $2,724 $1,705
Travelers $3,026 $2,464 $1,943
USAA $4,176 $2,912 $2,421

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Overgaard, AZ Car Insurance Rates by Driver History

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

Annual Overgaard, Arizona Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,088 $3,875 $4,400 $3,982
American Family $2,949 $4,595 $5,707 $3,430
Farmers $3,478 $4,479 $4,375 $4,136
GEICO $1,776 $2,372 $3,169 $1,776
Nationwide $2,742 $2,881 $4,268 $3,068
Progressive $3,044 $3,995 $3,216 $3,539
State Farm $3,484 $4,162 $3,823 $3,823
Travelers $1,991 $2,584 $2,855 $2,482
USAA $2,306 $3,302 $4,357 $2,715

Overgaard, AZ Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Overgaard, Arizona

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,400
American Family $5,707
Farmers $4,375
GEICO $3,169
Nationwide $4,268
Progressive $3,216
State Farm $3,823
Travelers $2,855
USAA $4,357

Overgaard, AZ Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Overgaard, Arizona

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,836 $3,836
American Family $4,129 $4,211
Farmers $4,117 $4,117
GEICO $2,234 $2,312
Nationwide $3,240 $3,240
Progressive $3,448 $3,448
State Farm $3,727 $3,919
Travelers $2,478 $2,478
USAA $3,136 $3,204

Overgaard, AZ Cheapest Car Insurance Rates

How do the top Overgaard, Arizona car insurance companies’ average rates stack up against the Overgaard average monthly car insurance rates of $283? Take a look and see.

Best Annual Car Insurance Rates by Company in Overgaard, Arizona

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

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Overgaard, AZ Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Overgaard, Arizona

Insurance Company Average Annual Rates
Allstate $3,836
American Family $4,170
Farmers $4,117
GEICO $2,273
Nationwide $3,240
Progressive $3,448
State Farm $3,823
Travelers $2,478
USAA $3,170

Other Factors Affecting Overgaard, AZ Car Insurance Rates

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

Overgaard, AZ Commute Time

How does your Overgaard, AZ commute time compare with the average driver? In Overgaard, the average commute is 14.0 minutes.

Overgaard, AZ Car Insurance Quotes

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