Best Cheap Auto Insurance in Central, AZ (2021)

The average Central, AZ auto insurance rates are $263 per month. The minimum auto insurance in Central is at least 15/30/10 in coverage to comply with Arizona auto insurance laws. To find the best cheap auto insurance in Central, Arizona, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Central, Arizona is 15/30/10
  • The cheapest auto insurance company in Central is GEICO
  • Average auto insurance rates in Central, AZ for senior drivers are $1,821 per year

Central, Arizona auto insurance requirements are 15/30/10 according to Arizona auto insurance laws. Finding cheap auto insurance in Central can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Central, Arizona, including driving record, credit, commute time, and more.

Compare auto insurance in Central to other Arizona cities, including Phoenix auto insurance rates, Mesa auto insurance rates, and Chandler auto insurance rates to see how Central, Arizona auto insurance rates stack up.

Before you buy Central, Arizona auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Central, Arizona auto insurance quotes.

Minimum Auto Insurance in Central, Arizona

Central, Arizona auto insurance laws require that you have at least the Arizona minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Central, Arizona.

Minimum Required Auto Insurance Coverage in Central, 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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Cheap Central, Arizona Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Central, Arizona are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Central, 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 $2,849 $2,849 $2,775 $2,775 $6,299 $8,205 $3,203 $3,492
American Family $2,298 $2,298 $2,111 $2,111 $5,942 $7,712 $2,298 $2,701
Farmers $2,068 $2,081 $1,834 $1,949 $9,047 $9,449 $2,344 $2,438
GEICO $1,399 $1,561 $1,187 $1,511 $3,946 $4,156 $1,276 $1,258
Nationwide $1,981 $2,019 $1,776 $1,880 $4,781 $6,111 $2,275 $2,455
Progressive $1,693 $1,492 $1,523 $1,448 $6,876 $7,674 $1,828 $1,827
State Farm $2,343 $2,343 $2,054 $2,054 $7,266 $9,113 $2,524 $3,204
Travelers $1,352 $1,417 $1,251 $1,325 $3,764 $4,670 $1,426 $1,495
USAA $1,716 $1,728 $1,594 $1,626 $6,256 $7,187 $2,262 $2,436

Cheap Central, Arizona Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Central, Arizona is a challenge. Take a look at the annual teen auto insurance rates in Central, Arizona.

Annual Auto Insurance Rates for Teen Drivers in Central, Arizona

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,299 $8,205
American Family $5,942 $7,712
Farmers $9,047 $9,449
GEICO $3,946 $4,156
Nationwide $4,781 $6,111
Progressive $6,876 $7,674
State Farm $7,266 $9,113
Travelers $3,764 $4,670
USAA $6,256 $7,187

Cheap Central, Arizona Auto Insurance for Seniors

What are senior auto insurance rates in Central, Arizona? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Central, Arizona

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,775 $2,775
American Family $2,111 $2,111
Farmers $1,834 $1,949
GEICO $1,187 $1,511
Nationwide $1,776 $1,880
Progressive $1,523 $1,448
State Farm $2,054 $2,054
Travelers $1,251 $1,325
USAA $1,594 $1,626

Cheap Central, Arizona Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Central, Arizona compared to the annual auto insurance rates with a clean record in Central, Arizona.

Annual Central, Arizona Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,254 $4,103 $4,668 $4,199
American Family $2,419 $3,845 $4,663 $2,810
Farmers $3,301 $4,249 $4,148 $3,907
GEICO $1,585 $2,136 $2,840 $1,585
Nationwide $2,470 $2,594 $3,817 $2,757
Progressive $2,692 $3,527 $2,841 $3,121
State Farm $3,514 $4,211 $3,862 $3,862
Travelers $1,683 $2,179 $2,400 $2,087
USAA $2,260 $3,222 $4,262 $2,658

Cheap Central, Arizona Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Central, Arizona is not easy. Compare the annual rates for DUI auto insurance in Central, Arizona to find the best deal.

Annual Auto Insurance Rates After a DUI in Central, Arizona

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,668
American Family $4,663
Farmers $4,148
GEICO $2,840
Nationwide $3,817
Progressive $2,841
State Farm $3,862
Travelers $2,400
USAA $4,262

Cheap Central, Arizona Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Central, Arizona annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Central, Arizona

Insurance Company Poor Fair Good
Allstate $5,194 $3,703 $3,271
American Family $4,315 $3,216 $2,772
Farmers $4,442 $3,721 $3,541
GEICO $2,794 $1,837 $1,479
Nationwide $3,493 $2,789 $2,447
Progressive $3,397 $2,966 $2,772
State Farm $7,113 $2,752 $1,723
Travelers $2,533 $2,077 $1,652
USAA $4,091 $2,847 $2,364

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Cheap Central, Arizona Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Central, Arizona can vary. Compare the annual cost of auto insurance by ZIP code in Central, Arizona to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Central, Arizona

ZIP Code Average Annual Rates
85531 $3,136

Cheap Central, Arizona Auto Insurance Rates By Commute

Commute length and annual mileage affect Central, Arizona auto insurance. Find the cheapest annual Central, Arizona auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Central, Arizona

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,056 $4,056
American Family $3,400 $3,468
Farmers $3,901 $3,901
GEICO $2,001 $2,073
Nationwide $2,910 $2,910
Progressive $3,045 $3,045
State Farm $3,767 $3,958
Travelers $2,087 $2,087
USAA $3,067 $3,135

Cheap Central, Arizona Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Central, Arizona? Check out the comparison of annual Central, Arizona auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Central, Arizona

Insurance Company Low Medium High
Allstate $3,837 $4,071 $4,260
American Family $3,307 $3,544 $3,451
Farmers $3,259 $3,942 $4,503
GEICO $1,697 $2,063 $2,349
Nationwide $2,818 $2,934 $2,977
Progressive $2,728 $3,095 $3,312
State Farm $3,505 $3,928 $4,154
Travelers $1,903 $2,115 $2,244
USAA $2,860 $3,143 $3,299

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Best By Category: Cheapest Auto Insurance in Central, Arizona

Compare the cheapest auto insurance companies in Central, Arizona in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Central, Arizona

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

The Cheapest Central, Arizona Auto Insurance Companies

What auto insurance companies in Central, Arizona are the cheapest? Compare the top Central, Arizona auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Central, Arizona

Insurance Company Average Annual Rates
Allstate $4,056
American Family $3,434
Farmers $3,901
GEICO $2,037
Nationwide $2,910
Progressive $3,045
State Farm $3,862
Travelers $2,087
USAA $3,101

What affects auto insurance rates in Central, Arizona?

There are a lot of reasons why auto insurance rates in Central, Arizona are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Central, Arizona. Many local factors may affect your Central auto insurance rates.

Central Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Central, Arizona commute length is 19.8 minutes according to City-Data.

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Compare Central, Arizona Auto Insurance Quotes

Before you buy Central, Arizona auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Central, Arizona auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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