Compare Cottonwood, AZ Car Insurance Rates (2021)

Car insurance in Cottonwood, AZ averages $270 a month. Cottonwood, Arizona car insurance requirements are 15/30/10, but you might need full coverage insurance if your car is financed. To find cheap Cottonwood car insurance rates, compare quotes from the top car insurance companies in Cottonwood, AZ.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Cottonwood, AZ after a DUI are $3,814/year
  • Average car insurance rates in Cottonwood, AZ are $3,245/year
  • The cheapest car insurance company in Cottonwood is GEICO

If you need to buy Cottonwood, Arizona car insurance, the options can be confusing. Everything you need to know about car insurance in Cottonwood, AZ is right here.

You’ll find Cottonwood car insurance rates, the cheapest Cottonwood, AZ car insurance companies, and information on Arizona car insurance laws. You can also compare Cottonwood, Arizona car insurance rates to Surprise car insurance rates, Glendale car insurance rates, and Gilbert car insurance rates.

Ready to find affordable Cottonwood, AZ car insurance today? Enter your ZIP code for fast, free Cottonwood car insurance quotes.

Cheapest Cottonwood, AZ Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Cottonwood, AZ car insurance rates? Every Cottonwood, Arizona car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cottonwood, 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 $2,868 $2,868 $2,786 $2,786 $6,208 $8,053 $3,209 $3,491
American Family $2,462 $2,462 $2,261 $2,261 $6,473 $8,414 $2,462 $2,900
Farmers $2,024 $2,013 $1,806 $1,916 $8,377 $8,647 $2,308 $2,407
GEICO $1,416 $1,584 $1,183 $1,501 $4,095 $4,344 $1,299 $1,293
Nationwide $1,970 $2,008 $1,767 $1,872 $4,713 $6,030 $2,257 $2,438
Progressive $1,764 $1,550 $1,588 $1,508 $7,241 $8,092 $1,902 $1,900
State Farm $2,504 $2,504 $2,197 $2,197 $7,839 $9,828 $2,699 $3,430
Travelers $1,743 $1,829 $1,608 $1,706 $5,037 $6,246 $1,848 $1,941
USAA $1,479 $1,481 $1,387 $1,398 $5,565 $6,401 $1,940 $2,082

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Minimum Car Insurance in Cottonwood, AZ

Every driver must carry the minimum car insurance in Cottonwood, AZ. Take a look at the Arizona car insurance requirements.

Minimum Required Car Insurance Coverage in Cottonwood, 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

Cheapest Cottonwood, AZ Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Cottonwood, AZ. Compare credit history car insurance rates in Cottonwood from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Cottonwood, Arizona

Insurance Company Poor Fair Good
Allstate $5,165 $3,670 $3,266
American Family $4,668 $3,474 $2,994
Farmers $4,214 $3,510 $3,337
GEICO $2,867 $1,884 $1,517
Nationwide $3,460 $2,761 $2,425
Progressive $3,560 $3,111 $2,907
State Farm $7,645 $2,955 $1,849
Travelers $3,333 $2,730 $2,170
USAA $3,575 $2,497 $2,078

Cheapest Cottonwood, AZ Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Cottonwood, AZ to rates for a clean record with top companies.

Annual Cottonwood, Arizona Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,240 $4,086 $4,627 $4,181
American Family $2,618 $4,128 $5,060 $3,043
Farmers $3,107 $4,010 $3,912 $3,720
GEICO $1,622 $2,182 $2,931 $1,622
Nationwide $2,446 $2,570 $3,780 $2,731
Progressive $2,820 $3,705 $2,976 $3,272
State Farm $3,771 $4,529 $4,150 $4,150
Travelers $2,197 $2,872 $3,161 $2,748
USAA $1,976 $2,834 $3,731 $2,326

Cheapest Cottonwood, AZ Car Insurance for Teen Drivers

Teen car insurance in Cottonwood, AZ can be expensive. Take a look at rates from the top car insurance companies in Cottonwood for teenagers.

Annual Car Insurance Rates for Teen Drivers in Cottonwood, Arizona

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,208 $8,053
American Family $6,473 $8,414
Farmers $8,377 $8,647
GEICO $4,095 $4,344
Nationwide $4,713 $6,030
Progressive $7,241 $8,092
State Farm $7,839 $9,828
Travelers $5,037 $6,246
USAA $5,565 $6,401

Cheapest Cottonwood, AZ Car Insurance for Seniors

Take a look at Cottonwood, AZ senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Cottonwood, Arizona

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,786 $2,786
American Family $2,261 $2,261
Farmers $1,806 $1,916
GEICO $1,183 $1,501
Nationwide $1,767 $1,872
Progressive $1,588 $1,508
State Farm $2,197 $2,197
Travelers $1,608 $1,706
USAA $1,387 $1,398

Cheapest Cottonwood, AZ Car Insurance Rates After a DUI

A DUI in Cottonwood, AZ increases car insurance rates. Compare Cottonwood, Arizona DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Cottonwood, Arizona

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,627
American Family $5,060
Farmers $3,912
GEICO $2,931
Nationwide $3,780
Progressive $2,976
State Farm $4,150
Travelers $3,161
USAA $3,731

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Cheapest Cottonwood, AZ Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Cottonwood, AZ by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Cottonwood, Arizona

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,034 $4,034
American Family $3,676 $3,748
Farmers $3,687 $3,687
GEICO $2,055 $2,124
Nationwide $2,882 $2,882
Progressive $3,193 $3,193
State Farm $4,047 $4,253
Travelers $2,745 $2,745
USAA $2,688 $2,746

The Best Cheap Car Insurance Companies in Cottonwood, AZ

Take a look at a side-by-side comparison of the top car insurance companies in Cottonwood, AZ to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Cottonwood, Arizona

Insurance Company Average Annual Rates
Allstate $4,034
American Family $3,712
Farmers $3,687
GEICO $2,089
Nationwide $2,882
Progressive $3,193
State Farm $4,150
Travelers $2,745
USAA $2,717

Category Winners: Cheapest Car Insurance in Cottonwood, Arizona

Find the cheapest car insurance companies in Cottonwood, AZ for each category right here.

Best Annual Car Insurance Rates by Company in Cottonwood, Arizona

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

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Cheapest Cottonwood, AZ Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Cottonwood car insurance rates. Find the cheapest Cottonwood, AZ car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Cottonwood, Arizona

Insurance Company Low Medium High
Allstate $3,778 $4,054 $4,269
American Family $3,574 $3,831 $3,732
Farmers $3,248 $3,719 $4,094
GEICO $1,802 $2,117 $2,350
Nationwide $2,779 $2,909 $2,958
Progressive $2,843 $3,247 $3,488
State Farm $3,759 $4,222 $4,468
Travelers $2,513 $2,779 $2,941
USAA $2,515 $2,751 $2,884

What affects car insurance rates in Cottonwood, Arizona?

What factors can have an impact on Cottonwood, AZ car insurance? There are several reasons why Cottonwood car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Cottonwood, Arizona.

Commute Time in Cottonwood

The more time you spend in your car the higher the risk of an accident. The average commute length in Cottonwood, AZ is 16.4 minutes according to City-Data.

Compare Car Insurance Quotes in Cottonwood, AZ

Ready to find affordable Cottonwood, Arizona car insurance today? Enter your ZIP code for fast, free Cottonwood, AZ car insurance quotes.

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Average Monthly Car Insurance Rates by State