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Get Cheap Car Insurance in Oro Valley, AZ
We monitor insurance prices, helping the average driver in Oro Valley save up to 38.6% on car insurance.
The Cheapest Minimum Coverage in Oro Valley
The chart below shows the cheapest car insurance company in Oro Valley for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by State Farm, Mile Auto, and MetLife.
| Oro Valley Insurer | Monthly Cost |
|---|---|
| Metromile | $58 |
| State Farm | $59 |
| Mile Auto | $74 |
| MetLife | $74 |
Savings for Every Kind of Oro Valley Driver
Based on our extensive insurance data, we know the average Oro Valley driver will save about 39% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $663 per year by choosing the right vehicle insurance company. Some Oro Valley residents are paying out over $1,714 extra every year for auto insurance in Oro Valley. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Oro Valley, AZ Savings / Yr. |
|---|---|
$663 |
|
$589 |
|
$358 |
|
$602 |
|
$1,910 |
|
$337 |
|
$947 |
Oro Valley Car Insurance vs. Arizona
People living in Oro Valley pay an average of 5.49% less than the typical driver in the state. The average driver in Oro Valley can expect to pay about $904 per year, or $1,714 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Oro Valley for most people.
Car Insurance Prices by Oro Valley Neighborhood
Insurance Prices
Where is insurance cheapest within Oro Valley?
The map shows insurance prices in and around Oro Valley, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $197 per year within the city boundaries, with insurance premiums ranging from a high of $1,782 to a low of $1,585. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northeast parts of Oro Valley.Pick the Best Car Insurance Company for You in Oro Valley
The best car insurance provider for most drivers in Oro Valley
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $663 over the average Oro Valley car insurance company.
The best car insurance provider for Oro Valley drivers with accidents on their records
In our analysis, Nationwide saved the average person who had been in an accident the most, with annual savings averaging $589 over the competition.
The best car insurance company for Oro Valley drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $358 better than other car insurance companies.
The best auto insurance for Oro Valley drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $602 less each year.
The least expensive car insurance company for new and young drivers in Oro Valley
In Oro Valley, Geico costs young drivers $1,910 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Oro Valley
State Farm gave the largest car insurance discounts to married couples, averaging $337 saved each year compared to an average Oro Valley couple's premiums.
The cheapest car insurance in Oro Valley for drivers with bad credit
The best Oro Valley car insurance company for customer service
Nationwide was the best company for customer service in Oro Valley according to the NAIC.
Recent price drops
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The cheapest large national provider in Oro Valley
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Oro Valley driver can expect to pay about $130 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Oro Valley, USAA has the best prices for married couples, drivers with speeding tickets, drivers with accidents, good drivers, drivers with bad credit, young drivers, and drivers with a DUI conviction.Auto Insurance Prices in and Around Oro Valley
What Influences the Cost of Car Insurance in Oro Valley?
On average, car insurance in Oro Valley is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Oro Valley is 33 minutes, which is about the national average for a driver in the state.
- Arizona state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Oro Valley are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Oro Valley is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Oro Valley is $75 per month for minimum coverage and $143 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Casas Adobes: Insurance costs 2.45% more
- Catalina: Insurance costs 0.41% less
- Marana: Insurance costs 0.47% more
- Saddlebrooke: Insurance costs 0.29% more
- Catalina Foothills: Insurance costs 2.16% more
- Mount Lemmon: Insurance costs 1.63% less
- Picture Rocks: Insurance costs 1.52% more
- Campo Bonito: Insurance costs 4.32% less
- Avra Valley: Insurance costs 0.47% more
- Red Rock: Insurance costs 1.75% more
Cities with Similar Populations
- Prescott Valley: Insurance costs 0.99% more
- Alvin: Insurance costs 0.41% more
- Madison: Insurance costs 0.29% more
- Matthews: Insurance costs 22.70% less
- Middletown: Insurance costs 17.04% more
- Middletown: Insurance costs 15.11% more
- Middletown: Insurance costs 48.83% more
- Milton: Insurance costs 38.86% more
- Mount Vernon: Insurance costs 16.28% less
- New Albany: Insurance costs 28.30% less