Table of contents
How much is car insurance in Prescott?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Prescott is about $18 cheaper than it is in the rest of Arizona.
Similarly, car insurance rates in Prescott are more affordable than the national average. You can expect to pay about $37 less for your policy in Prescott than in the rest of U.S.
Keep in mind that these are the average auto insurance rates for Prescott, and that the rate you get could end up being something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
We've analyzed the average rate for Prescott and broken down the different factors to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Prescott may see their rates start to rise again once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Prescott, however, male and female drivers both pay about the same rate for auto insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records can expect to pay much less than those with accidents or violations. In Prescott, a driving record with a single accident will usually get you a rate around $54 a month. In addition, drivers with one ticket can expect to pay around $56 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$44|
|15 Years or Older||$42|
In terms of affordable coverage, the cheapest vehicles to insure in Prescott are typically trucks and vans, at $39 per month.
Car owners, on the other hand, by and large pay around $41 a month, while SUV drivers can expect to pay about $51 per month for insurance coverage.
Depending on your vehicle's age, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In Prescott, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$48|
Generally, those who are currently married will pay slightly less for car insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Prescott reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$62|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $6 a month more than if you own your own home in Prescott. But if you live with your parents, your rates will be significantly higher.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Prescott, AZ
Recent trends in car insurance for Prescott drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
Policy premiums in Prescott reached a low of $34 in 2019 and a high of $58 in 2020. Otherwise, drivers paid about the same rate from 2016 to 2021.
How does Prescott compare to neighboring areas?
Why are car insurance rates in Prescott different from other areas?
Car insurance companies will take into account numerous factors when they're deciding how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Crime levels
- Access to off-street parking
- Community laws
- Number of drivers in the community
- General road safety (how many accidents each locality has)
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Prescott?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com will handle the heavy lifting for you. Put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Prescott.
Prescott Insurance FAQs
What factors affect car insurance quotes in Prescott?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Prescott different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Prescott?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Prescott?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Prescott or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.