Affordable Car Insurance Rates in Overgaard, AZ (2021)
Car insurance rates in Overgaard, AZ are $283/month on average. By law, Arizona drivers need to carry at least 15/30/10 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Overgaard car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 14, 2022
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- 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.
Table of Contents
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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.