Cochise County Auto Insurance Guide
Real rates, coverage trends and carrier insights from first-party quotes collected in Cochise County, AZ. Serving Sierra Vista, Huachuca City, Hereford, Elfrida, Bowie, Tombstone and Saint David.
Last reviewed: April 23, 2026 · First-party data since April 2024, updated continuously
Get your Cochise County quote now Call (888) 445-2793
Quick answer: Cochise County auto insurance averages $103/mo (median $77) based on real first-party quotes our brokerage has collected since April 2024 and updated continuously as new quotes come in. Liability-only ($71/mo) and full coverage ($143/mo) split nearly evenly — Sierra Vista (85635) is our highest-volume ZIP at $74/mo. Cheapest volume carrier in our data: Dairyland at $82/mo.
About this data
A Plus Insurance is a licensed independent brokerage serving Arizona. Every rate on this page comes from real people we quoted and sold coverage to — not modeled estimates or public filings. We compare 8+ carriers to find the best fit for your driver profile.
A Plus Insurance is an appointed independent agent for Progressive insurance — we can quote you Progressive alongside 8 other carriers to make sure you’re getting the best available rate.
Cochise County at a Glance (Our Data)
Average Monthly Premium
$103
All coverages (median $77) — one of the most affordable counties in our dataset
Liability Only Avg
$71
Auto-Liability is 45.6% of all quotes (30 total)
Full Coverage Avg
$143
Auto-Full is 47.1% of quotes (27 total)
Rate Range
$13–$409
Observed monthly range — significantly lower ceiling than most other counties we serve
Average monthly auto insurance rate by state
- Pricing ranges from $107.46 (AZ) to $107.46 (AZ) ... a spread of $0.00.
- Based on real auto insurance quotes grouped into 1 company results, the average across this view is $107.46. The spread is about 0% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2259 | 1zJv9wp7b6Q5muHs9c-Q9eJ1ukr2zJOR | 2026-04-16 | AZ | unknown | unknown | unknown | Mendota | 55.00 | 0 | 0 | 0 | ||||||
| 2098 | 163NEk-CFydzxGgpIF-45A1YsLzw-NP- | 2026-04-03 | AZ | Sierra Vista | 85635 | 1993 | GMC | Sierra C3 | unknown | unknown | full_coverage | Progressive | 162.00 | 0 | 0 | 0 | |
| 1965 | 1beevdkNyDn9qTLWgQQGlSNGXNWhWNX7 | 2026-03-27 | AZ | Yuma | 85367 | unknown | unknown | unknown | 0.00 | 0 | 0 | 0 | |||||
| 1952 | 1CLhvhtugBXZHMiMNosz1MMjHB3_kpXS | 2026-03-27 | AZ | Tombstone | 85638 | Ford | F-150 | unknown | unknown | full_coverage | Progressive | 56.50 | 0 | 0 | 0 | ||
| 1856 | 1_HF-PlwSORkCzbC47krcr-ETibuUCvk | 2026-03-16 | AZ | Grand Junction, CO | 81501 | 2000 | Batera | 68 | female | unknown | liability_only | Bristol West | 43.50 | 0 | 0 | 0 | |
| 1792 | 20260316-1048-3221 | 2026-03-16 | AZ | PHOENIX | 85004 | 2026 | ACURA | INTEGRA | 60 | male | single | full_coverage | Progressive | 145.83 | 0 | 0 | 0 |
| 1767 | 20260311-0946-0163 | 2026-03-11 | AZ | Tombstone | 85638 | 1994 | FORD | F150 | 69 | male | single | full_coverage | Progressive POP | 57.67 | 0 | 0 | 0 |
| 1767 | 20260311-0946-0163 | 2026-03-11 | AZ | Tombstone | 85638 | 2003 | MERCURY | MOUNTAINEER | 69 | male | single | full_coverage | Progressive POP | 57.67 | 0 | 0 | 0 |
| 1705 | 20260307-092209-2736 | 2026-03-07 | AZ | SIERRA VISTA | 85635 | 2015 | KIA | SOUL | 35 | female | married | full_coverage | Progressive | 81.33 | 0 | 0 | 0 |
| 1705 | 20260307-092209-2736 | 2026-03-07 | AZ | SIERRA VISTA | 85635 | 2015 | KIA | SOUL | 35 | female | married | full_coverage | Progressive | 81.33 | 0 | 0 | 0 |
| 1704 | 20260306-1045-8117 | 2026-03-06 | AZ | PHOENIX | 85017 | 2016 | NISSAN | SENTRA SL | 45 | male | single | full_coverage | Progressive POP | 187.33 | 0 | 0 | 0 |
| 1676 | 20260228-113017-8284 | 2026-02-28 | AZ | SIERRA VISTA | 85635 | 2019 | NISSAN | SENTRA SR | 43 | male | single | full_coverage | Progressive | 87.50 | 0 | 0 | 0 |
| 1675 | 20260220--7243 | 2026-02-20 | AZ | Sierra Vista | 85635 | 1993 | GMC | SIERRA K3500 | 52 | female | married | unknown | Progressive POP | 164.00 | 0 | 0 | 0 |
| 1675 | 20260220--7243 | 2026-02-20 | AZ | Sierra Vista | 85635 | 1993 | GMC | SIERRA K3500 | 52 | female | married | unknown | Progressive POP | 164.00 | 0 | 0 | 0 |
| 1675 | 20260220--7243 | 2026-02-20 | AZ | Sierra Vista | 85635 | 2020 | GMC | ACADIA DENALI | 52 | female | married | unknown | Progressive POP | 164.00 | 0 | 0 | 0 |
| 1675 | 20260220--7243 | 2026-02-20 | AZ | Sierra Vista | 85635 | 2020 | GMC | ACADIA DENALI | 52 | female | married | unknown | Progressive POP | 164.00 | 0 | 0 | 0 |
| 1674 | 20260226-1004-2171 | 2026-02-26 | AZ | BENSON | 85602 | 2018 | FORD | FUSION SE | 29 | male | single | full_coverage | Progressive | 185.84 | 0 | 0 | 0 |
| 1673 | 20260302-1006-4492 | 2026-03-02 | AZ | SIERRA VISTA | 85635 | 2023 | DODGE | DURANGO R/T | 29 | female | single | full_coverage | AssuranceAmerica | 169.33 | 0 | 0 | 0 |
| 1672 | 20260302-1007-5042 | 2026-03-02 | AZ | TUCSON | 85746 | 2001 | FORD | F150 | 45 | male | single | liability_only | Mendota Ins. Company VP | 96.52 | 0 | 0 | 0 |
| 1521 | 20260217--2602 | 2026-02-17 | AZ | MC NEAL | 85617 | 2024 | HONDA | HR-V SPORT | 25 | female | married | full_coverage | Progressive POP/SD/HO | 95.67 | 0 | 0 | 0 |
| 1521 | 20260217--2602 | 2026-02-17 | AZ | MC NEAL | 85617 | 2024 | HONDA | HR-V SPORT | 25 | female | married | full_coverage | Progressive POP/SD/HO | 95.67 | 0 | 0 | 0 |
| 1521 | 20260217--2602 | 2026-02-17 | AZ | MC NEAL | 85617 | 2005 | FORD | F150 | 25 | female | married | full_coverage | Progressive POP/SD/HO | 95.67 | 0 | 0 | 0 |
| 1521 | 20260217--2602 | 2026-02-17 | AZ | MC NEAL | 85617 | 2005 | FORD | F150 | 25 | female | married | full_coverage | Progressive POP/SD/HO | 95.67 | 0 | 0 | 0 |
| 1452 | 20260130--7321 | 2026-01-30 | AZ | HEREFORD | 85615 | 2019 | FORD | F150 RAPTOR | 31 | male | divorced | full_coverage | Progressive | 105.33 | 0 | 0 | 0 |
| 1451 | 20251128-114527-7308 | 2025-11-28 | AZ | SIERRA VISTA | 85635 | 1999 | JEEP | GRAND CHEROKEE LARED | 25 | male | single | liability_only | AssuranceAmerica | 62.83 | 0 | 0 | 0 |
| 1450 | 20260205-1012-2086 | 2026-02-05 | AZ | Sierra Vista | 85635 | 2007 | BMW | 328I | 18 | male | single | liability_only | GAINSCO | 102.16 | 0 | 0 | 0 |
| 1449 | 20251208-1013-2572 | 2025-12-08 | AZ | SIERRA VISTA | 85635 | 2009 | TOYOTA | COROLLA | 31 | female | single | full_coverage | AssuranceAmerica | 87.33 | 0 | 0 | 0 |
| 1448 | 20260205-114156-1283 | 2026-02-05 | AZ | SIERRA VISTA | 85635 | 2018 | KIA | SPORTAGE SX | 84 | male | single | liability_only | Progressive | 43.50 | 0 | 0 | 0 |
| 1447 | 20260110-114126-2830 | 2026-01-10 | AZ | SIERRA VISTA | 85650 | 2021 | TOYOTA | VENZA LE | 68 | male | divorced | full_coverage | GAINSCO | 126.16 | 0 | 0 | 0 |
| 1446 | 20251226-1026-6465 | 2025-12-26 | AZ | HUACHUCA CITY | 85616 | 2001 | CHEVROLET | SILVERADO C2500HD | 45 | female | single | liability_only | Dairyland Scored | 52.18 | 0 | 0 | 0 |
| 1445 | 20251219--0308 | 2025-12-19 | AZ | SIERRA VISTA | 85635 | 2000 | TOYOTA | CAMRY CE | 55 | male | single | full_coverage | AssuranceAmerica MobileMax | 84.66 | 0 | 0 | 0 |
| 1444 | 20251227--7919 | 2025-12-27 | AZ | SAN MANUEL | 85631 | 2005 | CADILLAC | DEVILLE | 66 | male | single | full_coverage | Progressive | 161.04 | 0 | 0 | 0 |
Drivers in the Sierra Vista area searching for cheap car insurance Sierra Vista AZ, auto insurance 85635, liability insurance Cochise County AZ, car insurance Huachuca City AZ, or insurance Hereford AZ will find Cochise County one of the most affordable markets in our Arizona data. Military families near Fort Huachuca often search for car insurance Fort Huachuca area AZ, military auto insurance Sierra Vista AZ, and cheap full coverage car insurance 85635. We also serve Elfrida, Bowie, Pearce, Tombstone, and Saint David across Cochise County. Searches for SR22 insurance Sierra Vista AZ and non-owner car insurance Cochise County are common — we file in all local ZIPs.
Cochise County is home to Fort Huachuca — one of the largest military installations in the Southwest — and Sierra Vista serves a large active-duty and veteran population. Arizona requires minimum liability of 15/30/10. For a broader statewide comparison, see our Arizona auto and home insurance guide and our detailed Arizona car insurance rates and coverage guide.
Coverage Type Breakdown – Cochise County (April 2024 onward, updated daily)
From our 69 quotes: liability and full coverage are nearly equal, with meaningful motorcycle and renters activity.
| Coverage Type | Quote Count | % of Quotes | Avg Monthly |
|---|---|---|---|
| Auto-Liability | 31 | 45.6% | $71 |
| Auto-Full | 32 | 47.1% | $143 |
| Renters | 3 | 4.3% | $16 |
| Motorcycle | 3 | 4.3% | $48 |
| Non-Owners | 2 | 2.9% | $26 |
| Other | 4 | 5.9% | — |
Liability only vs full coverage by company
AssuranceAmerica
GAINSCO
Progressive
Mendota
Dairyland
Bristol West
Across these carriers, liability only averages $66.78 per month, while full coverage averages $149.55. The largest gap in this view is $150.16 for AssuranceAmerica.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2259 | 1zJv9wp7b6Q5muHs9c-Q9eJ1ukr2zJOR | 2026-04-16 | AZ | unknown | unknown | unknown | Mendota | 55.00 | 0 | 0 | 0 | ||||||
| 2098 | 163NEk-CFydzxGgpIF-45A1YsLzw-NP- | 2026-04-03 | AZ | Sierra Vista | 85635 | 1993 | GMC | Sierra C3 | unknown | unknown | full_coverage | Progressive | 162.00 | 0 | 0 | 0 | |
| 1952 | 1CLhvhtugBXZHMiMNosz1MMjHB3_kpXS | 2026-03-27 | AZ | Tombstone | 85638 | Ford | F-150 | unknown | unknown | full_coverage | Progressive | 56.50 | 0 | 0 | 0 | ||
| 1856 | 1_HF-PlwSORkCzbC47krcr-ETibuUCvk | 2026-03-16 | AZ | Grand Junction, CO | 81501 | 2000 | Batera | 68 | female | unknown | liability_only | Bristol West | 43.50 | 0 | 0 | 0 | |
| 1792 | 20260316-1048-3221 | 2026-03-16 | AZ | PHOENIX | 85004 | 2026 | ACURA | INTEGRA | 60 | male | single | full_coverage | Progressive | 145.83 | 0 | 0 | 0 |
| 1767 | 20260311-0946-0163 | 2026-03-11 | AZ | Tombstone | 85638 | 1994 | FORD | F150 | 69 | male | single | full_coverage | Progressive POP | 57.67 | 0 | 0 | 0 |
| 1767 | 20260311-0946-0163 | 2026-03-11 | AZ | Tombstone | 85638 | 2003 | MERCURY | MOUNTAINEER | 69 | male | single | full_coverage | Progressive POP | 57.67 | 0 | 0 | 0 |
| 1705 | 20260307-092209-2736 | 2026-03-07 | AZ | SIERRA VISTA | 85635 | 2015 | KIA | SOUL | 35 | female | married | full_coverage | Progressive | 81.33 | 0 | 0 | 0 |
| 1705 | 20260307-092209-2736 | 2026-03-07 | AZ | SIERRA VISTA | 85635 | 2015 | KIA | SOUL | 35 | female | married | full_coverage | Progressive | 81.33 | 0 | 0 | 0 |
| 1704 | 20260306-1045-8117 | 2026-03-06 | AZ | PHOENIX | 85017 | 2016 | NISSAN | SENTRA SL | 45 | male | single | full_coverage | Progressive POP | 187.33 | 0 | 0 | 0 |
| 1676 | 20260228-113017-8284 | 2026-02-28 | AZ | SIERRA VISTA | 85635 | 2019 | NISSAN | SENTRA SR | 43 | male | single | full_coverage | Progressive | 87.50 | 0 | 0 | 0 |
| 1675 | 20260220--7243 | 2026-02-20 | AZ | Sierra Vista | 85635 | 1993 | GMC | SIERRA K3500 | 52 | female | married | unknown | Progressive POP | 164.00 | 0 | 0 | 0 |
| 1675 | 20260220--7243 | 2026-02-20 | AZ | Sierra Vista | 85635 | 1993 | GMC | SIERRA K3500 | 52 | female | married | unknown | Progressive POP | 164.00 | 0 | 0 | 0 |
| 1675 | 20260220--7243 | 2026-02-20 | AZ | Sierra Vista | 85635 | 2020 | GMC | ACADIA DENALI | 52 | female | married | unknown | Progressive POP | 164.00 | 0 | 0 | 0 |
| 1675 | 20260220--7243 | 2026-02-20 | AZ | Sierra Vista | 85635 | 2020 | GMC | ACADIA DENALI | 52 | female | married | unknown | Progressive POP | 164.00 | 0 | 0 | 0 |
| 1674 | 20260226-1004-2171 | 2026-02-26 | AZ | BENSON | 85602 | 2018 | FORD | FUSION SE | 29 | male | single | full_coverage | Progressive | 185.84 | 0 | 0 | 0 |
| 1673 | 20260302-1006-4492 | 2026-03-02 | AZ | SIERRA VISTA | 85635 | 2023 | DODGE | DURANGO R/T | 29 | female | single | full_coverage | AssuranceAmerica | 169.33 | 0 | 0 | 0 |
| 1672 | 20260302-1007-5042 | 2026-03-02 | AZ | TUCSON | 85746 | 2001 | FORD | F150 | 45 | male | single | liability_only | Mendota Ins. Company VP | 96.52 | 0 | 0 | 0 |
| 1521 | 20260217--2602 | 2026-02-17 | AZ | MC NEAL | 85617 | 2024 | HONDA | HR-V SPORT | 25 | female | married | full_coverage | Progressive POP/SD/HO | 95.67 | 0 | 0 | 0 |
| 1521 | 20260217--2602 | 2026-02-17 | AZ | MC NEAL | 85617 | 2024 | HONDA | HR-V SPORT | 25 | female | married | full_coverage | Progressive POP/SD/HO | 95.67 | 0 | 0 | 0 |
| 1521 | 20260217--2602 | 2026-02-17 | AZ | MC NEAL | 85617 | 2005 | FORD | F150 | 25 | female | married | full_coverage | Progressive POP/SD/HO | 95.67 | 0 | 0 | 0 |
| 1521 | 20260217--2602 | 2026-02-17 | AZ | MC NEAL | 85617 | 2005 | FORD | F150 | 25 | female | married | full_coverage | Progressive POP/SD/HO | 95.67 | 0 | 0 | 0 |
| 1452 | 20260130--7321 | 2026-01-30 | AZ | HEREFORD | 85615 | 2019 | FORD | F150 RAPTOR | 31 | male | divorced | full_coverage | Progressive | 105.33 | 0 | 0 | 0 |
| 1451 | 20251128-114527-7308 | 2025-11-28 | AZ | SIERRA VISTA | 85635 | 1999 | JEEP | GRAND CHEROKEE LARED | 25 | male | single | liability_only | AssuranceAmerica | 62.83 | 0 | 0 | 0 |
| 1450 | 20260205-1012-2086 | 2026-02-05 | AZ | Sierra Vista | 85635 | 2007 | BMW | 328I | 18 | male | single | liability_only | GAINSCO | 102.16 | 0 | 0 | 0 |
| 1449 | 20251208-1013-2572 | 2025-12-08 | AZ | SIERRA VISTA | 85635 | 2009 | TOYOTA | COROLLA | 31 | female | single | full_coverage | AssuranceAmerica | 87.33 | 0 | 0 | 0 |
| 1448 | 20260205-114156-1283 | 2026-02-05 | AZ | SIERRA VISTA | 85635 | 2018 | KIA | SPORTAGE SX | 84 | male | single | liability_only | Progressive | 43.50 | 0 | 0 | 0 |
| 1447 | 20260110-114126-2830 | 2026-01-10 | AZ | SIERRA VISTA | 85650 | 2021 | TOYOTA | VENZA LE | 68 | male | divorced | full_coverage | GAINSCO | 126.16 | 0 | 0 | 0 |
| 1446 | 20251226-1026-6465 | 2025-12-26 | AZ | HUACHUCA CITY | 85616 | 2001 | CHEVROLET | SILVERADO C2500HD | 45 | female | single | liability_only | Dairyland Scored | 52.18 | 0 | 0 | 0 |
| 1445 | 20251219--0308 | 2025-12-19 | AZ | SIERRA VISTA | 85635 | 2000 | TOYOTA | CAMRY CE | 55 | male | single | full_coverage | AssuranceAmerica MobileMax | 84.66 | 0 | 0 | 0 |
| 1444 | 20251227--7919 | 2025-12-27 | AZ | SAN MANUEL | 85631 | 2005 | CADILLAC | DEVILLE | 66 | male | single | full_coverage | Progressive | 161.04 | 0 | 0 | 0 |
The near-equal split between liability and full coverage in Cochise County is typical for areas with both older vehicles (liability only) and financed or newer vehicles (full coverage). Military personnel often carry full coverage due to lender requirements on newer vehicles purchased near post.
Premium Distribution in Cochise County
Auto-related quotes only. The $51–100 range dominates — reflecting the affordability of this market compared to urban Arizona counties.
Key stats: Median ~$77/mo; average ~$95/mo; observed range $12.85 to $408.57/mo. More than half of auto-related quotes came in under $100/mo.
Average Rates by Carrier – Cochise County
Progressive and Mendota are the primary carriers in our Cochise County sample. Dairyland offers competitive options for higher-risk profiles.
| Company | Quote Count | Avg Monthly Premium |
|---|---|---|
| Progressive | 32 | $91 |
| Mendota | 17 | $107 |
| Dairyland | 11 | $82 |
| Assurance America | 6 | $129 |
| ASI | 2 | $15 |
| Bristol West | 1 | $125 |
Cheapest auto insurance companies
- Pricing ranges from $43.50 (Bristol West) to $116.74 (Progressive) ... a spread of $73.24.
- Based on real auto insurance quotes grouped into 7 company results, the average across this view is $84.79. The spread is about 168% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2259 | 1zJv9wp7b6Q5muHs9c-Q9eJ1ukr2zJOR | 2026-04-16 | AZ | unknown | unknown | unknown | Mendota | 55.00 | 0 | 0 | 0 | ||||||
| 2098 | 163NEk-CFydzxGgpIF-45A1YsLzw-NP- | 2026-04-03 | AZ | Sierra Vista | 85635 | 1993 | GMC | Sierra C3 | unknown | unknown | full_coverage | Progressive | 162.00 | 0 | 0 | 0 | |
| 1952 | 1CLhvhtugBXZHMiMNosz1MMjHB3_kpXS | 2026-03-27 | AZ | Tombstone | 85638 | Ford | F-150 | unknown | unknown | full_coverage | Progressive | 56.50 | 0 | 0 | 0 | ||
| 1856 | 1_HF-PlwSORkCzbC47krcr-ETibuUCvk | 2026-03-16 | AZ | Grand Junction, CO | 81501 | 2000 | Batera | 68 | female | unknown | liability_only | Bristol West | 43.50 | 0 | 0 | 0 | |
| 1792 | 20260316-1048-3221 | 2026-03-16 | AZ | PHOENIX | 85004 | 2026 | ACURA | INTEGRA | 60 | male | single | full_coverage | Progressive | 145.83 | 0 | 0 | 0 |
| 1767 | 20260311-0946-0163 | 2026-03-11 | AZ | Tombstone | 85638 | 1994 | FORD | F150 | 69 | male | single | full_coverage | Progressive POP | 57.67 | 0 | 0 | 0 |
| 1767 | 20260311-0946-0163 | 2026-03-11 | AZ | Tombstone | 85638 | 2003 | MERCURY | MOUNTAINEER | 69 | male | single | full_coverage | Progressive POP | 57.67 | 0 | 0 | 0 |
| 1705 | 20260307-092209-2736 | 2026-03-07 | AZ | SIERRA VISTA | 85635 | 2015 | KIA | SOUL | 35 | female | married | full_coverage | Progressive | 81.33 | 0 | 0 | 0 |
| 1705 | 20260307-092209-2736 | 2026-03-07 | AZ | SIERRA VISTA | 85635 | 2015 | KIA | SOUL | 35 | female | married | full_coverage | Progressive | 81.33 | 0 | 0 | 0 |
| 1704 | 20260306-1045-8117 | 2026-03-06 | AZ | PHOENIX | 85017 | 2016 | NISSAN | SENTRA SL | 45 | male | single | full_coverage | Progressive POP | 187.33 | 0 | 0 | 0 |
| 1676 | 20260228-113017-8284 | 2026-02-28 | AZ | SIERRA VISTA | 85635 | 2019 | NISSAN | SENTRA SR | 43 | male | single | full_coverage | Progressive | 87.50 | 0 | 0 | 0 |
| 1675 | 20260220--7243 | 2026-02-20 | AZ | Sierra Vista | 85635 | 1993 | GMC | SIERRA K3500 | 52 | female | married | unknown | Progressive POP | 164.00 | 0 | 0 | 0 |
| 1675 | 20260220--7243 | 2026-02-20 | AZ | Sierra Vista | 85635 | 1993 | GMC | SIERRA K3500 | 52 | female | married | unknown | Progressive POP | 164.00 | 0 | 0 | 0 |
| 1675 | 20260220--7243 | 2026-02-20 | AZ | Sierra Vista | 85635 | 2020 | GMC | ACADIA DENALI | 52 | female | married | unknown | Progressive POP | 164.00 | 0 | 0 | 0 |
| 1675 | 20260220--7243 | 2026-02-20 | AZ | Sierra Vista | 85635 | 2020 | GMC | ACADIA DENALI | 52 | female | married | unknown | Progressive POP | 164.00 | 0 | 0 | 0 |
| 1674 | 20260226-1004-2171 | 2026-02-26 | AZ | BENSON | 85602 | 2018 | FORD | FUSION SE | 29 | male | single | full_coverage | Progressive | 185.84 | 0 | 0 | 0 |
| 1673 | 20260302-1006-4492 | 2026-03-02 | AZ | SIERRA VISTA | 85635 | 2023 | DODGE | DURANGO R/T | 29 | female | single | full_coverage | AssuranceAmerica | 169.33 | 0 | 0 | 0 |
| 1672 | 20260302-1007-5042 | 2026-03-02 | AZ | TUCSON | 85746 | 2001 | FORD | F150 | 45 | male | single | liability_only | Mendota Ins. Company VP | 96.52 | 0 | 0 | 0 |
| 1521 | 20260217--2602 | 2026-02-17 | AZ | MC NEAL | 85617 | 2024 | HONDA | HR-V SPORT | 25 | female | married | full_coverage | Progressive POP/SD/HO | 95.67 | 0 | 0 | 0 |
| 1521 | 20260217--2602 | 2026-02-17 | AZ | MC NEAL | 85617 | 2024 | HONDA | HR-V SPORT | 25 | female | married | full_coverage | Progressive POP/SD/HO | 95.67 | 0 | 0 | 0 |
| 1521 | 20260217--2602 | 2026-02-17 | AZ | MC NEAL | 85617 | 2005 | FORD | F150 | 25 | female | married | full_coverage | Progressive POP/SD/HO | 95.67 | 0 | 0 | 0 |
| 1521 | 20260217--2602 | 2026-02-17 | AZ | MC NEAL | 85617 | 2005 | FORD | F150 | 25 | female | married | full_coverage | Progressive POP/SD/HO | 95.67 | 0 | 0 | 0 |
| 1452 | 20260130--7321 | 2026-01-30 | AZ | HEREFORD | 85615 | 2019 | FORD | F150 RAPTOR | 31 | male | divorced | full_coverage | Progressive | 105.33 | 0 | 0 | 0 |
| 1451 | 20251128-114527-7308 | 2025-11-28 | AZ | SIERRA VISTA | 85635 | 1999 | JEEP | GRAND CHEROKEE LARED | 25 | male | single | liability_only | AssuranceAmerica | 62.83 | 0 | 0 | 0 |
| 1450 | 20260205-1012-2086 | 2026-02-05 | AZ | Sierra Vista | 85635 | 2007 | BMW | 328I | 18 | male | single | liability_only | GAINSCO | 102.16 | 0 | 0 | 0 |
| 1449 | 20251208-1013-2572 | 2025-12-08 | AZ | SIERRA VISTA | 85635 | 2009 | TOYOTA | COROLLA | 31 | female | single | full_coverage | AssuranceAmerica | 87.33 | 0 | 0 | 0 |
| 1448 | 20260205-114156-1283 | 2026-02-05 | AZ | SIERRA VISTA | 85635 | 2018 | KIA | SPORTAGE SX | 84 | male | single | liability_only | Progressive | 43.50 | 0 | 0 | 0 |
| 1447 | 20260110-114126-2830 | 2026-01-10 | AZ | SIERRA VISTA | 85650 | 2021 | TOYOTA | VENZA LE | 68 | male | divorced | full_coverage | GAINSCO | 126.16 | 0 | 0 | 0 |
| 1446 | 20251226-1026-6465 | 2025-12-26 | AZ | HUACHUCA CITY | 85616 | 2001 | CHEVROLET | SILVERADO C2500HD | 45 | female | single | liability_only | Dairyland Scored | 52.18 | 0 | 0 | 0 |
| 1445 | 20251219--0308 | 2025-12-19 | AZ | SIERRA VISTA | 85635 | 2000 | TOYOTA | CAMRY CE | 55 | male | single | full_coverage | AssuranceAmerica MobileMax | 84.66 | 0 | 0 | 0 |
| 1444 | 20251227--7919 | 2025-12-27 | AZ | SAN MANUEL | 85631 | 2005 | CADILLAC | DEVILLE | 66 | male | single | full_coverage | Progressive | 161.04 | 0 | 0 | 0 |
See what Sierra Vista and Cochise County drivers are actually paying.
Get your Cochise County quote now Call (888) 445-2793ZIP Code Variation in Cochise County
| ZIP Code | Area | Quote Count | Avg Monthly Premium |
|---|---|---|---|
| 85635 | Sierra Vista | 11 | $74 |
| 85615 | Hereford | 5 | $91 |
| 85616 | Huachuca City | 4 | $100 |
| 85610 | Elfrida | 4 | $142 |
| 85625 | Pearce | 2 | $139 |
| 85605 | Bowie | 2 | $72 |
| 85638 | Tombstone | 1 | $186 |
| 85630 | Saint David | 1 | $55 |
Note: Sierra Vista (85635) is the highest-volume ZIP at $74/mo average — very affordable. Elfrida and Pearce run higher, likely due to rural driving patterns and different coverage mixes. Tombstone’s single quote at $186/mo reflects a full coverage policy.
Fort Huachuca and Military Drivers in Cochise County
Fort Huachuca — located directly adjacent to Sierra Vista — is home to tens of thousands of active-duty service members, families, and civilian contractors. Military drivers in Cochise County often have specific insurance needs:
- Vehicles financed through military credit unions typically require full coverage
- Frequent PCS moves mean policy transfers across states — we can help with multi-state transitions
- Deployment periods may allow policy suspensions or storage coverage adjustments
- Some carriers offer military discounts — ask us to compare across carriers for your specific situation
Military note: Our data shows Sierra Vista (85635) averaging $74/mo — one of the most affordable ZIP codes in our entire Arizona dataset. Military families looking for liability-only or full coverage options in the Fort Huachuca area should get a fresh comparison quote.
Our Data Methodology
All insights on this page come from first-party quotes collected by our licensed brokerage in Cochise County from April 2024 onward — updated continuously as new quotes come in. Quotes reflect real shoppers — no simulated or public filing data. All data is aggregated and anonymized.
Why this matters: Cochise County is a unique market — rural geography, a large military population, and border proximity all factor into underwriting. Our local quotes reflect what local drivers actually paid, not national estimates.
ZIP-level searches we help with: car insurance 85635 Sierra Vista, auto insurance 85615 Hereford AZ, car insurance 85616 Huachuca City AZ, insurance 85610 Elfrida AZ, car insurance 85605 Bowie AZ, auto insurance 85638 Tombstone AZ, and car insurance 85630 Saint David AZ. Our data shows Sierra Vista (85635) averaging $74/mo — well below the statewide Arizona average for comparable coverage. For Progressive insurance Sierra Vista AZ, Dairyland insurance Cochise County, or Mendota insurance Sierra Vista, we compare all three in a single quote.
Arizona / Cochise County Minimum Requirements
| Coverage | Minimum | Covers |
|---|---|---|
| Bodily Injury per Person | $15,000 | Medical for one person you injure |
| Bodily Injury per Accident | $30,000 | Total medical — all injured parties |
| Property Damage | $10,000 | Damage to others’ property or vehicles |
Important: Arizona’s minimums (15/30/10) are lower than most states. Given the rural driving conditions in Cochise County and the cost of vehicle repairs, many drivers choose higher limits. Full coverage in our dataset averaged $147/mo — only $76 more than liability-only.
Cochise County Auto Insurance FAQs
What is the average cost of car insurance in Cochise County?
From our Cochise County data (April 2024 onward, updated daily): the average is about $103/month and the median is $77/month — making Cochise County one of the most affordable markets in our Arizona data. Liability-only averages $71/mo and full coverage averages $143/mo.
Which company is cheapest in Cochise County?
In our sample, Dairyland averaged $82/mo in our dataset, and Progressive averaged $91/mo in our dataset — both among the most competitive options. Mendota averaged $107/mo in our dataset. Your exact rate depends on driver history, vehicle, and coverage level.
Is car insurance cheap in Sierra Vista?
Compared to the rest of Arizona, yes. Sierra Vista (85635) averaged $74/mo in our dataset in our dataset — well below the statewide average for comparable coverage. The combination of lower traffic density, a safety-conscious military community, and competitive carrier pricing all contribute to this.
Do you serve military drivers near Fort Huachuca?
Yes. We serve active-duty, veteran, and civilian contractor drivers in the Fort Huachuca and Sierra Vista area. We can compare multiple carriers for military-specific needs including full coverage on financed vehicles, PCS policy transfers, and deployment coverage adjustments. Call us at 888-445-2793 for help with military-specific situations.
What is the minimum car insurance required in Arizona?
Arizona requires minimum liability of 15/30/10 — $15,000 per person for bodily injury, $30,000 per accident, and $10,000 for property damage. These minimums are lower than most states. Given Cochise County’s rural roads and the cost of vehicle repairs, many drivers choose higher limits or add full coverage.
Can I get SR-22 insurance in Cochise County?
Yes. We can file SR-22 certificates for Cochise County drivers including those in Sierra Vista, Huachuca City, Hereford, and surrounding areas. SR-22 is required after certain violations in Arizona. See our Arizona SR-22 guide for details.
Does A Plus Insurance serve the rural areas of Cochise County?
Yes. We serve all of Cochise County including Sierra Vista, Huachuca City, Hereford, Elfrida, Bowie, Pearce, Tombstone, and Saint David. Being a remote brokerage operating in 34 states, we handle quotes entirely by phone or online — no in-person visit required.
How often should I shop for insurance in Cochise County?
Every 6–12 months, or any time your situation changes — new vehicle, address change, ticket, or end of a military tour. Our Cochise County data showed a range of $12.85 to $408.57/mo, confirming that shopping across carriers makes a meaningful difference even in this affordable market.
Get your Cochise County quote — real data, real carriers
Compare based on real local pricing from our Cochise County dataset — including Sierra Vista, Fort Huachuca area, and surrounding communities.
Get your quote nowOr call 888-445-2793
Last Updated on by Brian Muse