It’s impossible to miss the captivating ads from auto insurance companies like Liberty Mutual, The General, and GEICO that guarantee enormous savings. So you should just choose one randomly, right?
It’s not that easy, however, as there are a lot of unknown aspects such as where you live in Phoenix, the miles you drive each year, and what level of deductibles you need. The content below covers the best ways to avoid high prices and hopefully give you enough understanding to have a good start in finding the cheapest insurance in Arizona.
The vehicle you are trying to insure is probably the most important factor when looking for the most economical auto insurance for state employees. Vehicles with economical engines, good safety features, or a low likelihood of having liability claims will cost substantially less to insure than high performance models. The next list illustrates auto insurance rates for the cheapest vehicles to insure.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $1,744 |
| Honda CR-V LX 2WD | $1,911 |
| Toyota Prius | $1,935 |
| Toyota Tacoma 2WD | $2,027 |
| Toyota RAV4 Limited 2WD | $2,066 |
| Ford Explorer Eddie Bauer 4WD | $2,104 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $2,125 |
| Honda Odyssey EX-L W/Navigation | $2,176 |
| Toyota Corolla S | $2,185 |
| Toyota Camry XLE | $2,176 |
| Nissan Altima Hybrid 4-Dr Sedan | $2,215 |
| Kia Optima LX | $2,225 |
| Chevrolet Impala LS | $2,215 |
| Nissan Rogue S AWD | $2,220 |
| Volkswagen Jetta SE 4-Dr Sedan | $2,215 |
| Hyundai Sonata GLS 4-Dr Sedan | $2,221 |
| Ford F-150 Lariat Crew Cab Harley 2WD | $2,215 |
| Dodge Grand Caravan CV | $2,218 |
| Ford Edge SE AWD | $2,277 |
| Jeep Grand Cherokee Laredo 4WD | $2,328 |
| Chevrolet Malibu Hybrid | $2,335 |
| Ford F-250 XLT 2WD | $2,363 |
| Toyota Camry Hybrid | $2,369 |
| Get a Custom Quote Go | |
Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Information does not factor in zip code location which can lower or raise coverage rates considerably.
Based on these rates, vehicles like the Ford Escape, Honda CR-V, Toyota Prius, and Toyota Tacoma are most likely going to be the less-costly vehicles to insure for state workers.
For state workers, one of the largest things that determine the amount you pay for auto insurance is your address in Phoenix. Areas with more people or higher crime rates are more likely to have higher rates, whereas areas with less congestion have the gratification of cheaper auto insurance rates.
The illustration below rates the priciest cities in Arizona for state employees to purchase car insurance in. Phoenix makes the list at #1 with an annual cost of $1,255 for car insurance, which is approximately $105 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Avondale | $1,210 |
| 3 | Glendale | $1,178 |
| 4 | Tempe | $1,152 |
| 5 | Scottsdale | $1,151 |
| 6 | San Tan Valley | $1,150 |
| 7 | Buckeye | $1,144 |
| 8 | Peoria | $1,126 |
| 9 | Mesa | $1,113 |
| 10 | Gilbert | $1,108 |
| 11 | Maricopa | $1,107 |
| 12 | Goodyear | $1,098 |
| 13 | Chandler | $1,082 |
| 14 | Casas Adobes | $1,072 |
| 15 | Tucson | $1,061 |
| 16 | Surprise | $1,058 |
| 17 | Casa Grande | $1,057 |
| 18 | Catalina Foothills | $1,040 |
| 19 | Oro Valley | $1,031 |
| 20 | Yuma | $954 |
| Compare Prices Now Go | ||
Annual rates are comparative as zip code location can change auto insurance rates substantially.
Buying low-priced car insurance is easier said than done, and determining which company offers the cheapest auto insurance rates for state employees calls for even more work. Each insurance company has a proprietary method for filing rates in each state, so let’s rank the most budget-friendly auto insurance companies in Phoenix.
It’s important to understand that Phoenix, AZ auto insurance rates are impacted by many factors that control the cost of a policy. Events such as a birthday, moving to a different location, or getting into an accident can trigger changes in premium resulting in some rates now being cheaper than before.
Cheap Insurance Rates in Arizona
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $915 |
| 4 | Travelers | $1,108 |
| 5 | USAA | $1,113 |
| 6 | GEICO | $1,142 |
| 7 | Progressive | $1,152 |
| 8 | CSAA | $1,189 |
| 9 | Allied | $1,209 |
| 10 | Ameriprise Group | $1,220 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | Safe Auto | $1,336 |
| 13 | Farmers | $1,337 |
| 14 | Unitrin | $1,357 |
| 15 | State Farm | $1,377 |
| 16 | Titan | $1,461 |
| 17 | Amica | $1,473 |
| 18 | American Family | $1,478 |
| 19 | California Casualty | $1,522 |
| 20 | MetLife | $1,567 |
| Get a Custom Quote Go | ||
The Hartford offers some of the most affordable car insurance rates in Phoenix at around $836 per year. Safeco, Auto-Owners, Travelers, and USAA are also some of the best Phoenix, AZ car insurance companies.
As shown in the table above, if you currently have coverage with Auto-Owners and switched to The Hartford, you may see an annual savings of upwards of $79. Customers with Travelers may save as much as $272 a year, and USAA policyholders might realize rate reductions of up to $277 a year.
Bear in mind that those prices are averages for all types of drivers and the different vehicles they drive and do not factor in a specific location for state employees. So the car insurance company that has the cheapest rates for you may not even be in the list above. That affirms the importance of why you need to compare as many prices as possible using your own personal information and vehicle type.
Finding the highest-rated car insurance provider is difficult considering how many different insurance companies sell coverage in Phoenix. The ranking data in the next section can help you select which car insurance companies to look at when shopping around. The ratings below only include large, nationwide insurance companies, so smaller companies that only insure vehicles in Arizona are not taken into consideration for this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Reckless driving habits raise auto insurance rates
The easiest method to enjoy affordable auto insurance rates in Arizona for state workers is to be a safe driver and maintain a clean driving record. The illustration below illustrates how violations and fender-benders raise annual premium costs for each age group. The costs are based on a married male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
The chart shows that the average cost of a car insurance policy in Arizona per year with no accidents or violations is $2,001. Add in one speeding ticket and the average cost surges to $2,296, an increase of $295 each year. Now throw in one accident along with the one speeding ticket and the 12-month cost of auto insurance for state employees increases to an average of $3,138. That’s an increase of $1,137, or $95 per month, just for not driving carefully!
The Phoenix car insurance agencies listed below are a good start to aid you in deciding which insurance coverage will be best for you, since some people have coverage questions and would like to get help from a professional when shopping around for cheaper insurance for state employees. It can be time-consuming to find the cheapest rate yourself, and a licensed agent can provide comfort knowing you have suitable coverage if you ever need to use it. To find a Phoenix insurance agent close to you, click the button at the bottom of the list.
Arly Sanchez – State Farm Insurance Agent
1625 N 51st Ave Ste 103 – Phoenix, AZ 85035 – (602) 455-2886
Travelers Insurance
22601 N 19th Ave #216 – Phoenix, AZ 85027 – (623) 572-0032
Horizon Insurance Group
2880 E Northern Ave #100 – Phoenix, AZ 85028 – (602) 992-9750
View more Phoenix, AZ insurance agencies
How to find the cheapest insurance for state employees
It is possible to find better rates, and here are some of the recommended thrifty ideas that can help you buy cheaper coverage.
- Clean up your credit
- Save money by obeying traffic laws and keeping a clean driving record
- Vehicles with good safety ratings are usually cheaper to insure
- Try to not file small claims
- Avoid preventable accidents
- Ensure you have the best deal by shopping around regularly
That last idea is certainly necessary, as we stressed in this article. Car insurance rates fluctuate constantly, so drivers shouldn’t be resistant to buy a different policy if a lower price can be found. Many drivers tend to have loyalty to a certain company, but it’s not recommended if that dedication is costing lots of hard earned cash every month. It takes less than five minutes to shop around to find cheaper insurance for state employees in Phoenix.