Cheapest Car Insurance Quotes in Oro Valley

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Oro Valley Car Insurance

^$ 42

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Oro Valley

The car insurance rate in Oro Valley is $970 for a six-month policy, which is $37 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $488, making it a popular choice for budget-conscious drivers. Rates in Oro Valley can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Oro Valley

$970

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Oro Valley

1st place: Root Insurance Company

At $488 for a six month policy, Root Insurance Company offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $643 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $673 for six months, making it the third cheapest auto insurance company in Oro Valley.

Oro Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oro Valley, AZ is Root Insurance Company, offering policies at just $488 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $643.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1130 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oro Valley drivers find the best deals.

Cheap Car Insurance Companies in Oro Valley, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$488	$81
Auto-Owners Insurance Co	$643	$109
Farmers	$673	$112
Mercury	$692	$118
Hartford	$723	$121
Iowa Farm Bureau	$729	$124
Travelers	$773	$130
State Farm	$970	$163
Progressive	$1000	$168
USAA	$1007	$170
Auto-Owners	$1082	$182
Allstate	$1162	$196
The Hartford	$1384	$231
CSAA	$2101	$357
Nationwide	$1130	$188

Key Takeaways

Way's key takeaways about car insurance in Oro Valley

The auto insurance costs in Oro Valley fall around $488 for six months.
The cheapest auto insurance company in Oro Valley is Mercury.
Teen drivers pay the highest rate in Oro Valley at $914 per month.

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Cheapest Minimum Liability Car Insurance in Oro Valley

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Oro Valley are given below.

Mercury provides the cheapest minimum car insurance coverage in Oro Valley. Their Average 6 Month Premium is $248. Allstate is the most expensive at $433 for the same period.

Cheapest Liability Coverage in Oro Valley, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$248	$42
Travelers	$290	$49
Auto-Owners	$315	$53
Auto-Owners Insurance Co	$321	$55
Country Financial	$328	$54
USAA	$328	$55
Root Insurance Company	$334	$55
Farmers	$353	$60
Progressive	$359	$60
Iowa Farm Bureau	$370	$63
State Farm	$376	$63
Allstate	$433	$73

Cheapest Full Coverage Car Insurance in Oro Valley

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Oro Valley is Root Insurance Company at $81 per month and $488 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oro Valley, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$488	$81
Auto-Owners Insurance Co	$643	$109
Farmers	$673	$112
Mercury	$692	$118
Hartford	$723	$121
Iowa Farm Bureau	$729	$124
Travelers	$773	$130
State Farm	$970	$163
Progressive	$1000	$168
USAA	$1007	$170
Auto-Owners	$1082	$182
Allstate	$1162	$196
The Hartford	$1384	$231
CSAA	$2101	$357
Nationwide	$1130	$188

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Average Car Insurance in Oro Valley by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Oro Valley, AZ increasing?

Despite maintaining a clean driving record, your car insurance rates in Oro Valley, Arizona, may be increasing due to several external factors. Arizona has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Oro Valley's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Oro Valley

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	USAA	$561
40s	USAA	$511
50s	USAA	$484
60s	USAA	$497
70s	USAA	$588

Cheapest Car Insurance Rates for Teen Drivers in Oro Valley,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Oro Valley at $50 per month. At $5486 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$296	$50
Travelers	$296	$50
Root Insurance Company	$340	$58
Progressive	$353	$58
USAA	$359	$61
Country Financial	$383	$63
State Farm	$383	$64
Allstate	$433	$73
Farmers	$433	$74
Auto-Owners Insurance Co	$439	$73
Iowa Farm Bureau	$458	$78
Auto-Owners	$2595	$433
CSAA	$5486	$914

Teen Car Insurance Rates in AZ by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Oro Valley.

As young drivers face the highest rates in Oro Valley, USAA offers the cheapest auto insurance rates at $561 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Oro Valley, Mercury is the cheapest car insurance provider. At $284 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Oro Valley is Hartford, offering rates of around $679 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$284	$48
Travelers	$359	$61
Root Insurance Company	$426	$71
Progressive	$433	$74
Country Financial	$458	$76
Farmers	$513	$87
Nationwide	$525	$87
Allstate	$587	$100
Iowa Farm Bureau	$668	$111
Hartford	$679	$115

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Car Insurance Rates with An Accident in Oro Valley

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Oro Valley, AZ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Oro Valley

The cheapest car insurance companies after an at-fault accident in Oro Valley include Root Insurance Company and Country Financial, offering $420 and $426, respectively. CSAA is an expensive provider with an average six-month premium of $3410.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$420	$70
Country Financial	$426	$73
Auto-Owners Insurance Co	$500	$83
Travelers	$500	$84
State Farm	$668	$112
Noblr	$704	$120
Root	$766	$128
USAA	$809	$136
General Casualty	$958	$159
Progressive	$964	$162
Auto-Owners	$1372	$229
Farmers	$1414	$238
Mercury	$1471	$248
Allstate	$1501	$253
Farm Bureau Mutual (IA Group)	$1519	$254
Metromile	$1730	$294
General Agents Group	$1946	$324
Country	$2057	$349
The Hartford	$2181	$363
Encompass	$2236	$381
Nationwide	$2403	$400
Safeway	$2736	$465
Permanent General	$2959	$493
MetLife	$3373	$573
CSAA	$3410	$568

Oro Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oro Valley AZ. For example, the car insurance in Oro Valley after a DUI increases to $1254 for a six month policy. While the rate increases by $254 for a six-month policy in the case of a speeding ticket.

Oro Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1217	$203
One Med/PIP claim	$1217	$207
Not-at-fault accident	$1223	$204
One comp claim	$1273	$216
Two Med/PIP claims	$1273	$212
Two comp claims	$1322	$225
Failure to wear a seat belt	$1390	$232
Child safety restraint	$1446	$245
Driving without lights	$1446	$241
Failure to show documents	$1446	$245
Speeding 6 - 10 MPH over limit	$1471	$245
Driving too slowly	$1526	$259
Speeding 11 - 15 MPH over limit	$1526	$255
Speeding in school zone	$1526	$259
Driving with expired registration	$1538	$257
Speeding 16 - 20 MPH over limit	$1538	$261
Cell phone violation	$1544	$258
Failure to stop at a red light	$1544	$263
Failure to yield	$1544	$258
Following too closely	$1544	$263
Illegal turn	$1544	$258
Texting while driving	$1544	$263
Wrong way/wrong lane	$1544	$258
Improper passing	$1569	$267
Speeding 21 - 25 MPH over limit	$1588	$264
In 65 MPH zone	$1612	$275
Passing school bus	$1631	$271
At-fault accident - less than $1000	$1674	$285
Operating a vehicle without permission	$1761	$293
At-fault accident - $1000-$2000	$1810	$308
At-fault accident - greater than $2000	$1835	$306
Open container	$1927	$328
Reckless driving	$2137	$357
Driving with a suspended license	$2206	$375
DUI	$2471	$412
Refusal to submit to a chemical test	$2471	$420
Racing	$2526	$421
Leaving scene of an accident/hit and run	$2539	$432

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Oro Valley after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Oro Valley.

The cheapest car insurance premiums in Oro Valley are offered by Mercury at $328 for a six-month policy. However, it can be as expensive as $1860 with companies like Nationwide.

Oro Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$328	$56
Root Insurance Company	$370	$61
Country Financial	$464	$79
Travelers	$568	$96
Progressive	$574	$97
Hartford	$580	$97
State Farm	$612	$103
Farmers	$933	$157
USAA	$1242	$209
Allstate	$1841	$307
Nationwide	$1860	$316

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Oro Valley are offered by AutoOwners Insurance Co at $321. However, it can be as expensive as $433 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Oro Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$321	$55
State Farm	$328	$54
Travelers	$328	$56
Mercury	$353	$58
Progressive	$376	$64
Country Financial	$383	$63
Root Insurance Company	$420	$72
Farmers	$433	$72

Car Insurance Price Trends in Oro Valley, Arizona

Car insurance rates in Oro Valley have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Oro Valley rose by $126 in December compared to $123 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Oro Valley rose to $56 in December, compared to $54 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Oro Valley?

The car insurance in Oro Valley is $42 per month, which is lower than the national average.

What is the cheapest car insurance in Oro Valley?

The cheapest car insurance in Oro Valley is $81 per month for full coverage.

How much is car insurance in Oro Valley for teenagers?

Car insurance for teenagers costs $296 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Oro Valley?

The average cost of car insurance is $933 for a six-month policy. It will cost around $163 per month to insure your car in Oro Valley.

Is car insurance expensive in Oro Valley?

Car insurance can be expensive in Oro Valley if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Oro Valley can be affordable.

What is the best car insurance in Oro Valley, AZ?

The best car insurance company in Oro Valley AZ is Root Insurance Company, offering $488 for a six-month policy.