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Cheap Car Insurance in Prescott Valley, Arizona

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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 Arizona 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

How Many Fatal Accidents Happen in Prescott Valley, Arizona?

In 2019, Prescott Valley saw five fatal car accidents with seven total vehicles involved. These accidents resulted in five fatalities with nine people involved, including two pedestrians.

In 2020, there were 403 total accidents in Prescott Valley, with one of those being a fatal crash with one person killed. Twenty-two accidents involved alcohol-related factors, but there were no fatalities.

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.

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 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!