Oro Valley Car Insurance

How much does car insurance cost in Oro Valley, AZ? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Oro Valley?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Arizona has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Oro Valley typically pay around $107.69 per month compared to the national average of $141.75 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $141.75
Arizona $118.17
Oro Valley, Arizona $107.69

Oro Valley, AZ Best Car Insurance Companies

car insurance in Oro Valley

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Clearcover generally has the most affordable car insurance in Oro Valley coming in around $71.43 per month. Other companies to consider if you live in Oro Valley is Farm Bureau Mutual (IA Group) with an average cost of $104.42 per month and ACCC Insurance Company which typically runs around $111.64 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Oro Valley.

RankCompanyAverage Monthly RateComparison State Average
1 Clearcover $71.43-39.55%
2 Farm Bureau Mutual (IA Group) $104.42-11.64%
3 ACCC Insurance Company $111.64-5.52%
4 USAA $112.13-5.11%
5 Mercury $116.49-1.42%
6 State Farm $117.57-0.51%
7 Nationwide $125.536.23%
8 Encompass $129.849.88%
9 Travelers $133.1912.71%
10 Country $150.6927.53%

How Much is Car Insurance in Oro Valley, AZ?

how much is auto insurance in Oro Valley

Rates can vary from city to city. The residents of Apache Junction typically pay $101.45 per month while people who live in Casa Grande will pay $107.62 per month on average. See what people pay for car insurance in other cities in Arizona.

Arizona CitiesMonthly Average Rate
Apache Junction $101.45
Casa Grande $107.62
Chandler $121.98
Flagstaff $100.03
Gilbert $131.87
Glendale $138.70
Mesa $121.13
Oro Valley $107.69
Peoria $127.47
Phoenix $140.78
Prescott $84.68
Scottsdale $118.59
Surprise $123.01
Tempe $127.99
Tucson $105.19

Cheap Car Insurance in Oro Valley by Zip Codes

find cheap auto insurance in Oro Valley

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Arizona. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Oro Valley, AZ ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Oro Valley

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $232.86 per month in Oro Valley. Compare that to drivers in their 30’s who typically pay around $83.68 per month drivers in their 40s at $75.54 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Oro Valley

If you are teen in Oro Valley you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Farm Bureau Mutual (IA Group) typically charges around $222.09 per month. This is likely the most affordable option in Oro Valley. You might also want to consider CSAA and Country who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Farm Bureau Mutual (IA Group)$222.09
State Farm$263.92

Cheapest Insurance for 20 Year-olds in Oro Valley

20 year-olds in Oro Valley might want to consider Farm Bureau Mutual (IA Group) who, on average, offers car insurance rates around $174.56 per month. Mercury , USAA , Country and ACCC Insurance Company are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Farm Bureau Mutual (IA Group)$174.56
ACCC Insurance Company$219.56

Cheapest Insurance for 30 Year-olds in Oro Valley

If you are in your 30s in Oro Valley our research has found that USAA typically has the most affordable coverage coming in around $76.75 per month, followed by Farm Bureau Mutual (IA Group) at $79.08 and Mercury at $86.83.

CompanyAverage Monthly Rate
Farm Bureau Mutual (IA Group)$79.08
State Farm$102.42

Cheapest Insurance for 40 Year-olds in Oro Valley

On average, ACCC Insurance Company offers car insurance for 40 year-olds in Oro Valley for around $73.83 per month. If you are looking for affordable coverage, you may also want to consider USAA or Mercury. The full list of top companies is below.

CompanyAverage Monthly Rate
ACCC Insurance Company$73.83
Farm Bureau Mutual (IA Group)$78.54
State Farm$81.84

Cheapest Insurance for 50 Year-olds in Oro Valley

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Oro Valley we found that Farm Bureau Mutual (IA Group) generally offers the most affordable coverage at $81.52 per month.

CompanyAverage Monthly Rate
Farm Bureau Mutual (IA Group)$81.52
ACCC Insurance Company$94.44

Cheapest Insurance for 60 Year-olds in Oro Valley

If you live in Oro Valley and you’re in your 60s, our data indicates that Mercury usually has the best rates at $69.52 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Farm Bureau Mutual (IA Group)$76.91
State Farm$83.57

Driver's Coverage Auto Insurance Rates in Oro Valley, AZ

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Oro Valley, the average monthly rate for a driver who is currently insured is $97.02 while drivers who are not currently covered will pay around $132.57.

CoverageAverage Monthly Rate
Not Currently Insured $132.57
Currently Insured $97.02

Compare Recent Car Insurance Quotes in Oro Valley

auto insurance quotes in Oro Valley city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Oro Valley a driver of a 2014 Ford Fusion can expect to pay around $83.68 per month while someone that owns a 2017 Hyundai Sonata may pay around $156.83 per month. Check out the list of recent quotes in Oro Valley below.

VehicleAverage Monthly Rate
2014 Ford Fusion$83.68
2017 Hyundai Sonata$156.83
2021 Kia Sportage$121.00
2013 Toyota Corolla$90.07
2021 Ram 1500 Classic$96.83
2017 Nissan Versa$93.07
2013 Ford Escape$107.64
2023 Kia Soul$77.59
2018 Toyota C-Hr$101.05
2015 Subaru Forester$82.89

FAQ's for Drivers in Oro Valley, AZ

driver’s frequently asked question in Oro Valley

What Is the Minimum Liability Coverage Requirement in Oro Valley, AZ?

Every state requires drivers to have a minimum amount of liability coverage. Arizona drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $15,000; Bodily injury coverage per person; Coverage for serious or permanent injury or death to a single person
  • $30,000; Bodily injury coverage for two or more people; Coverage for serious or permanent injury or death to two or more people in a single accident
  • $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Arizona mandates that all motor vehicles operated on roadways be covered by liability insurance through a company authorized to do business in the state. This requirement also pertains to motorcycles, golf carts, and mopeds. Minimum insurance levels in Arizona are $15,000 of bodily injury for one person and $30,000 for two or more people in an accident. The state also requires $10,000 of property damage liability.

What Is the Blood Alcohol Concentration (BAC) limit in Oro Valley, AZ?

It is against the law for anyone to operate a motor vehicle in Arizona with the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • Any at under 21 years old

Arizona is a “no-tolerance” state regarding underage drinking; any positive reading, no matter how low the BAC percentage, is grounds for a DUI charge.

The Arizona Motor Vehicle Division classified DUIs by BAC, with a standard DUI requiring a BAC of 0.08% and an extreme DUI requiring a BAC of 0.15%.

Does Arizona allow the use of digital insurance cards?

Yes! Arizona motorists can use digital insurance cards as proof of appropriate coverage when pulled over or for any reason. Most carriers offer this option these days but check with yours to confirm.

Check Out Other Rates in Oro Valley, AZ Nearby Cities:

Apache Junction, AZ

Casa Grande, AZ

Marana, AZ

Sierra Vista, AZ

Tucson, AZ


Commute Time in Oro Valley, AZ

28.5 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Oro Valley, AZ


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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