Affordable Car Insurance Rates in Oro Valley, AZ (2024)
Car insurance rates in Oro Valley, AZ are $314/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 Oro Valley car insurance companies to get the coverage you need at the best rates available.
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Adam H. Rosenblum
Principal Attorney
Adam Rosenblum is a founding attorney with over 20 years of experience. His firm, Rosenblum Law, has offices throughout New York and New Jersey. Mr. Rosenblum’s primary focus is on personal injury, criminal defense, and traffic violations. He is admitted to practice in all state and federal courts in New York and New Jersey and is a graduate of Albany Law School. Adam’s extensive experience...
Principal Attorney
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Adam H. Rosenblum
Principal Attorney
Adam Rosenblum is a founding attorney with over 20 years of experience. His firm, Rosenblum Law, has offices throughout New York and New Jersey. Mr. Rosenblum’s primary focus is on personal injury, criminal defense, and traffic violations. He is admitted to practice in all state and federal courts in New York and New Jersey and is a graduate of Albany Law School. Adam’s extensive experience...
Principal Attorney
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.