Prescott, AZ
Prescott, AZ car and homeowners insurance
How Prescott households can compare car and home coverage, with local Census data. A quote is not a binder.
Census data show Prescott drivers commuting alone at a rate of 70% and homeowners making up 68% of households. Here is what that means for auto and home coverage in a city of about 47,757.
How Prescott gets around
| Measure | Prescott | Arizona |
|---|---|---|
| Drive alone to work | 70% | 67% |
| Carpool | 7% | 10% |
| Work from home | 14% | 18% |
| Commute of 45 minutes or more | 8% | 14% |
| Commute under 15 minutes | 47% | 25% |
| Households with no vehicle | 6% | 5% |
| Households with 3 or more vehicles | 18% | 23% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
About 8% of Prescott commuters travel 45 minutes or more each way (Arizona: 14%). More time on the road means more exposure, which is why insurers ask how far and how often each car is driven.
Only 14% of Prescott workers mostly work from home, below the Arizona share of 18%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
18% of Prescott households keep three or more vehicles, and 6% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Owning a home in Prescott
The median owner-occupied home in Prescott is valued at $564,100, and half of the city's homes were built before 1992. The Arizona median value is $394,500. Your dwelling limit should match rebuild cost, which can differ from market value.
Benchmark: $1,402 was the average 2023 Arizona HO-3 premium at the $500,000–$599,999 coverage level, per the NAIC. Countrywide, the all-amounts HO-3 average was $1,737.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Legal minimums on the road in Prescott
The state minimum is 25/50/15. Additional requirement: none beyond liability. See our state minimums guide for how these compare across our ten states.
One insurer or two for a Prescott household
With 68% of households owning their home, bundling is an option for most Prescott families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
Weather and road risks around Prescott
Plan for extreme summer heat, along with flash floods in washes. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
See FEMA's National Risk Index for local hazard scores.
Neighboring cities and Prescott
In Prescott Valley, 72% own their home and 24% of households have three or more vehicles. Phoenix shows 19% working from home and a median home value of $420,700. Tucson: 68% drive alone, 8% commute 45+ minutes, median home $266,200. Prescott ranks 20th for long commutes among the 25 Arizona cities we profile.
Gathering details for a Prescott auto and home quote
- Your existing policies and renewal dates
- Target limits and deductibles
- Home details: size, age, construction
- Drivers' names and dates of birth
- Lender name and loan number
- Roof age and material
Prescott auto and home insurance FAQ
What auto insurance is required in Prescott?
Arizona requires liability of 25/50/15; none beyond liability.
Do Prescott drivers have long commutes?
About 8% of Prescott workers commute 45 minutes or more and 47% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Prescott?
Prices depend on the home and coverage. The NAIC's 2023 Arizona HO-3 average was $1,194; see the Arizona page.
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Last updated October 15, 2026 · How we research