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 Prescott, AZ are $274/month
  • The annual number of car thefts in Prescott is 40.
  • Average car insurance rates in Prescott, AZ for senior drivers are $1,893/year

Average car insurance rates in Prescott, Arizona are $274 a month. But with a little research you can get a great deal from the top car insurance companies in Prescott, AZ. Before you buy Prescott, Arizona car insurance, make sure your coverage meets or exceeds the Arizona minimum of 15/30/10.

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

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

Prescott, AZ Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Prescott, Arizona

Insurance Company Low Medium High
Allstate $3,749 $4,013 $4,218
American Family $3,580 $3,838 $3,739
Farmers $3,395 $3,888 $4,268
GEICO $1,845 $2,184 $2,438
Nationwide $2,879 $3,014 $3,064
Progressive $2,881 $3,292 $3,536
State Farm $3,734 $4,174 $4,409
Travelers $2,522 $2,840 $3,035
USAA $2,520 $2,774 $2,915

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Prescott, 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 $2,813 $2,813 $2,743 $2,743 $6,193 $8,045 $3,157 $3,437
American Family $2,467 $2,467 $2,266 $2,266 $6,484 $8,429 $2,467 $2,906
Farmers $2,107 $2,091 $1,878 $1,994 $8,789 $9,071 $2,392 $2,481
GEICO $1,464 $1,637 $1,226 $1,557 $4,219 $4,469 $1,340 $1,332
Nationwide $2,020 $2,056 $1,812 $1,915 $4,942 $6,307 $2,327 $2,510
Progressive $1,790 $1,572 $1,610 $1,529 $7,340 $8,196 $1,929 $1,925
State Farm $2,480 $2,480 $2,168 $2,168 $7,758 $9,717 $2,673 $3,403
Travelers $1,767 $1,856 $1,640 $1,740 $5,134 $6,420 $1,869 $1,964
USAA $1,500 $1,503 $1,404 $1,418 $5,584 $6,407 $1,966 $2,108

Prescott, AZ Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Prescott, Arizona

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,193 $8,045
American Family $6,484 $8,429
Farmers $8,789 $9,071
GEICO $4,219 $4,469
Nationwide $4,942 $6,307
Progressive $7,340 $8,196
State Farm $7,758 $9,717
Travelers $5,134 $6,420
USAA $5,584 $6,407

Prescott, AZ Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Prescott, Arizona

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,743 $2,743
American Family $2,266 $2,266
Farmers $1,878 $1,994
GEICO $1,226 $1,557
Nationwide $1,812 $1,915
Progressive $1,610 $1,529
State Farm $2,168 $2,168
Travelers $1,640 $1,740
USAA $1,404 $1,418

Prescott, AZ Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Prescott, Arizona

Insurance Company Poor Fair Good
Allstate $5,113 $3,639 $3,227
American Family $4,677 $3,480 $2,999
Farmers $4,389 $3,671 $3,491
GEICO $2,959 $1,944 $1,564
Nationwide $3,582 $2,864 $2,512
Progressive $3,609 $3,153 $2,947
State Farm $7,564 $2,924 $1,829
Travelers $3,402 $2,781 $2,214
USAA $3,599 $2,516 $2,095

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Prescott, AZ Car Insurance Rates by Driver History

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

Annual Prescott, Arizona Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,199 $4,037 $4,595 $4,141
American Family $2,623 $4,135 $5,069 $3,049
Farmers $3,247 $4,193 $4,089 $3,871
GEICO $1,674 $2,252 $3,022 $1,674
Nationwide $2,536 $2,663 $3,916 $2,830
Progressive $2,858 $3,755 $3,016 $3,316
State Farm $3,731 $4,481 $4,106 $4,106
Travelers $2,242 $2,921 $3,238 $2,795
USAA $1,991 $2,852 $3,759 $2,343

Prescott, AZ Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Prescott, Arizona

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,595
American Family $5,069
Farmers $4,089
GEICO $3,022
Nationwide $3,916
Progressive $3,016
State Farm $4,106
Travelers $3,238
USAA $3,759

Prescott, AZ Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Prescott, Arizona

ZIP Code Average Annual Rates
86301 $3,214
86303 $3,299
86305 $3,272

Prescott, AZ Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Prescott, Arizona

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,993 $3,993
American Family $3,683 $3,755
Farmers $3,850 $3,850
GEICO $2,119 $2,192
Nationwide $2,986 $2,986
Progressive $3,236 $3,236
State Farm $4,005 $4,206
Travelers $2,799 $2,799
USAA $2,707 $2,766

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Prescott, AZ Cheapest Car Insurance Rates

How do the top Prescott, Arizona car insurance companies’ average rates stack up against the Prescott average monthly car insurance rates of $274? Take a look and see.

Best Annual Car Insurance Rates by Company in Prescott, Arizona

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

Prescott, AZ Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Prescott, Arizona

Insurance Company Average Annual Rates
Allstate $3,993
American Family $3,719
Farmers $3,850
GEICO $2,156
Nationwide $2,986
Progressive $3,236
State Farm $4,106
Travelers $2,799
USAA $2,736

Other Factors Affecting Prescott, AZ Car Insurance Rates

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

Prescott, AZ Car Theft Rates

The car theft rate in Prescott, AZ will affect your car insurance rates. FBI data shows that the annual car theft rate for Prescott, Arizona is 40 stolen cars.

Prescott, AZ Commute Time

How does your Prescott, AZ commute time compare with the average driver? In Prescott, the average commute is 20.6 minutes.

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Prescott, AZ Car Insurance Quotes

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