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Cheap Car Insurance in Prescott Valley, Arizona

Illustration of van driving by Freeway Insurance headquarters

Nestled in Arizona’s Verde Valley, Prescott Valley is known for its Old West tradition and impressive scenic routes. Its most popular attractions include Fain Park, Lonesome Valley Trails, and the Tonto Natural Bridge State Park, which features a 400-foot long, 150-foot tall bridge. For a ghost town experience, residents and visitors can also enjoy the Gold King Mine & Ghost Town, with a strong lineage dating back to the gold rush era.

Keep reading to learn more about car insurance in Prescott Valley, including average monthly rates paid by zip code, discounts you may qualify for, and factors involved in determining your rates.

Quick Facts

  • Prescott Valley has more than 250 miles of roadway.
  • In 2019, there were five fatal car accidents in Prescott Valley. In 2020, there was one fatal car crash.
  • The 1.25-million-acre Prescott National Forest is one of Prescott Valley’s most treasured attractions.

How Much Does Car Insurance Cost in Prescott Valley, AZ?

Prescott Valley drivers pay an average car insurance cost of $119 in full coverage car insurance per month. It is lower than the state average of $129 and lower than the national average of $138. For the minimum liability car insurance, drivers average $39 per month, lower than the state average of $46 and about the same as the national average of $40.

Full coverage auto insurance includes liability, comprehensive insurance and collision insurance. Since Arizona is an at-fault state, the driver at fault in a car crash will be responsible for all injuries and damages. His or her state-required minimum liability insurance will help pay for the bodily injury and property damage of the other driver(s) and their passengers. It won’t pay anything toward his or her own injuries and damages.

With full coverage, drivers have extra protection to help pay for damages they sustain if they cause an accident.

How do Prescott Valley insurance costs compare with other cities in Arizona? The number of accidents, theft and lawsuits drive the collective insurance costs for cities and towns. For average monthly car insurance prices by city, see our breakdown below:

City Full Coverage Insurance Liability Insurance Coverage
Prescott Valley $119 $39
Chandler $165 $57
Phoenix $216 $73
Scottsdale $164 $57
Tucson $163 $54

Prescott Valley Affordable Car Insurance Rates by Zip Code

Average monthly premiums vary depending on the zip code you reside in. One zip code could be sparsely populated with no claims within the last six months, while another zip code could fall in a densely populated area with a high rate of theft. Don’t expect the two zip codes to pay the same premiums.

For average monthly car insurance prices by zip code in Prescott Valley, see our breakdown below:

Zip Code Full Coverage Insurance Liability Insurance Coverage
86314 $121 $39
86315 $119 $39

Low-Cost Prescott Valley Car Insurance Rates by Age

If you are in a younger age bracket (e.g., 16-19 and low 20s), you can expect to pay more for car insurance due to an overall riskier driving profile and lack of years behind the wheel.

For average monthly car insurance prices by age in Prescott Valley, see our breakdown below:

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $446 $151
20s $137 $44
30s $121 $39
40s $115 $37
50s $108 $35
60s $113 $38
70s $134 $49

Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.

Driving Conditions in Prescott Valley

Prescott Valley’s driving conditions leave their marks on the road, reflecting the unique landscape of Arizona. Understanding the nuances is crucial, especially in the event of a claims emergency. Prescott Valley’s distinct driving environment stands out even among different states, making it essential to stay vigilant on the roads, whether commuting to work or running errands from the comfort of your home office.

How Many Fatal Accidents Happen in Prescott Valley, Arizona?

In 2021, Prescott Valley saw five fatal car accidents with nine total vehicles involved. These accidents resulted in five fatalities with nine people involved, including two pedestrians.

How Are the Road Infrastructure and Bridges in Prescott Valley, AZ?

Prescott Valley has a busy Public Works department responsible for roadway improvements, road maintenance, stormwater management, traffic studies, and other initiatives improving the quality of life for all residents.

These projects include drainage work, traffic sign repair, signal maintenance, and keeping more than 250 miles of roadway in the region pothole and chip-free. For more information on Prescott Valley Public Works initiatives, visit Prescott Valley Public Works.

Get a Quote for Car Insurance in Arizona Today!

Minimum Car Insurance Requirements in Prescott Valley, Arizona

In Arizona, there are mandatory car insurance requirements, ensuring that all drivers are protected in the event of an accident.

Arizona’s minimum car insurance liability requirements are as follows:

  • Bodily Injury Coverage per Person: $25,000
  • Bodily Injury Coverage per Accident: $50,000
  • Property Damage Per Accident: $15,000

We do not advise holding the minimum liability coverage, as the typical car crash could easily exceed $25,000 worth of medical bills. Additionally, minimum coverage offers no protection against uninsured drivers. With the added protection of comprehensive car insurance and collision insurance, you can have peace of mind on the road.

Arizona is an at-fault state, which means the driver determined to be at fault in an accident must pay for all damages and medical expenses. Sometimes, all affected drivers share responsibility, so bills are split into percentages, with the highest percentage going to the driver most at fault.

What Are the Penalties for Driving Without Insurance in Prescott Valley, AZ?

Penalties for driving without insurance in Arizona are very steep.

All first-time offenders should expect a three-month license, registration, and license plate suspension with a $35 reinstatement fee. Second, third, and subsequent offenders will see increased fines of up to $100, longer suspension periods, and the same reinstatement fee.

On top of fines, suspensions, and reinstatement fees, all drivers caught driving without insurance in Arizona may be forced to file an SR-22 certificate for two years. An SR-22 certificate lets your insurance company and law enforcement know that you carry proof of financial responsibility. Regrettably, your insurance premiums will rise as a result.

Fortunately, there are two ways to reduce or eliminate fines. The first is to remain offense-free within the last three years, and the second is to purchase a six-month car insurance policy meeting the state’s minimum required coverage. Then, expect to pay reinstatement fees if your license and suspension are suspended.

Factors Allowed in Prescott Valley, AZ Car Insurance Rates

Several factors affect car insurance costs, such as age, gender, and zip code. However, did you know your credit score and marital status have an influence as well?

Some factors car insurance companies use to determine rate eligibility include:

  • Zip code
  • Claims history
  • Marital status
  • Make and model of vehicle

Remember, insurance rates vary from person to person. No two drivers will receive the same car insurance quote.

How to Get Affordable Car Insurance in Prescott Valley, AZ

Securing affordable car insurance coverage in the Prescott Valley area is paramount for Arizona drivers. 

To help you navigate the complexities of insurance plans and make informed decisions, here are the six effective ways to get affordable car insurance and reach your financial goals. 

  1. Shop Around and Compare Quotes: Obtain quotes from various insurance agents, ask questions and understand the range of pricing models. Utilize online tools or connect with local agents, compare rates and save money. Each provider offers different rates, that’s why shopping around is the best way to make an informed decision based on your budget and coverage needs.    
  2. Bundle Policies: It’s a good idea to bundle your auto insurance coverage with home insurance (also known as  homeowners insurance), life insurance, renters insurance, business insurance or any other insurance products. Many insurance professionals offer discounts for bundling, providing a cost-effective solution for the best coverage across multiple policies.   
  3. Maintain a Good Driving Record: Safe driving habits contribute to better rates. Avoid accidents and traffic violations to maintain a clean record, making you eligible for discounts as insurers value responsible driving histories. 
  4. Increase Deductibles: Opt for higher deductibles to lower monthly premiums. While you may pay more in the event of a claim, this strategy can result in significant savings over time. Evaluate your financial situation to choose a deductible that suits your budget.
  5. Take Advantage of Discounts: Inquire about available discounts such as good student, multi-car, or safe driver discounts. Insurers may also offer discounts for military personnel, seniors, or members of specific organizations, providing opportunities for additional savings.
  6. Install Safety Features: Enhance your vehicle’s safety by installing features like anti-theft devices, airbags, and anti-lock brakes. Insurers often reward such proactive measures with discounts, as these features reduce the risk of theft or injury, contributing to overall safety and savings of their customers. 

Optimizing your car insurance involves strategically employing these six approaches. Our dedicated team of local agents is ready to assist you and your family, ensuring your insurance plan aligns with your unique needs and budget.  

Discounts for Car Insurance in Prescott Valley, Arizona 

Seeking discounts from your insurance carrier is a wise decision. Luckily, Prescott Valley drivers can take advantage of all types of discounts, including:

Do not forget to call your insurance carrier as frequently as every six months. Changing your motor vehicle, getting married, and graduating from school with straight As might grant you the discount you deserve. Don’t forget to shop around – comparing auto insurance quotes can get you a sweet deal. 

Get a Quote Online for Low-Cost Auto Insurance in Prescott Valley, AZ Today!

View from below of the Fain Lake Dam in Prescott Valley Arizona.

If you are a Prescott Valley driver, you have many options for affordable car insurance. Feel free to opt for the state’s minimum required coverage or go for additional coverage, depending on your budget and driving behavior.

Let Freeway Insurance help you find your next policy. To get started, request a fast and free car insurance quote online, visit an office around your area, or call 800-777-5620 to speak with one of our friendly and knowledgeable agents. Contact us today!