Who Has Affordable Phoenix Auto Insurance for Police Officers?

The car, truck, or SUV you are seeking coverage for is probably the largest consideration in finding the lowest-priced coverage for police officers. Vehicles with average performance, good safety features, or a low likelihood of liability claims will cost substantially less to insure than adrenaline junky models.

The list below ranks car insurance rates for the most cost-effective vehicles to buy coverage for.

Cheapest Vehicles to Insure in Phoenix, AZ
Make and Model Estimated Cost for Full Coverage
Toyota Prius $1,857
Chevrolet Equinox LT AWD $1,981
Ford Fusion S 4-Dr Sedan $1,989
Hyundai Elantra Blue 4-Dr Sedan $2,045
Honda Accord EX 4-Dr Sedan $2,054
Ford Escape XLS 2WD $2,061
Honda CR-V LX 2WD $2,054
GMC Sierra SLT Crew Cab 2WD $2,122
Ford F-150 Lariat Crew Cab Platinum 2WD $2,128
Honda Odyssey Touring $2,122
Nissan Rogue S AWD $2,130
Ford Explorer XLT 4WD $2,157
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD $2,198
Hyundai Sonata SE 4-Dr Sedan $2,233
Volkswagen Jetta SE 2.5 Station Wagon $2,242
Toyota Camry Hybrid $2,272
Toyota RAV4 Limited 2WD $2,274
Chevrolet Malibu LS $2,282
Dodge Grand Caravan SE $2,301
Honda Civic DX 2-Dr Coupe $2,327
Ford Focus SES 4-Dr Sedan $2,351
Toyota Corolla XLE $2,395
Toyota Tacoma X-Runner 2WD $2,404
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Premium data assumes single female 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, safe-driver, and multi-vehicle. Information does not factor in specific garaging location which can modify prices noticeably.

Based upon the table data, you can conclude that models like the Toyota Prius, Chevrolet Equinox, Ford Fusion, Hyundai Elantra, and Honda Accord are the more affordable vehicles to insure for law enforcement personnel.

Locating low-priced insurance is hard enough, and determining which company has the cheapest car insurance rates for police officers will involve additional perseverance. Each auto insurance company has a proprietary method to establish rates, so we’ll go over the car insurance companies with the most affordable rates in Phoenix, AZ.

We do need to point out that Phoenix car insurance rates are influenced by many factors that control the price of your policy. This price variability is why Arizona drivers need to perform an extensive rate comparison when trying to find cheap insurance rates for police officers. Prices are influenced by many factors and change frequently, so the most economical company a year ago may now cost much more than other companies.

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Arizona car insurance ranked by cost per year
Rank Company Cost Per Year
1 The Hartford $845
2 Safeco $896
3 Auto-Owners $924
4 Travelers $1,075
5 USAA $1,080
6 GEICO $1,131
7 Progressive $1,152
8 Ameriprise Group $1,208
9 CSAA $1,213
10 Allied $1,245
11 Farm Bureau Mutual $1,285
12 Unitrin $1,303
13 Safe Auto $1,323
14 State Farm $1,377
15 Farmers $1,378
16 Titan $1,433
17 American Family $1,478
18 Amica $1,487
19 MetLife $1,551
20 California Casualty $1,568
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The Hartford may have some of the most affordable car insurance rates in Phoenix at around $845 annually. This is $583 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA would also be considered some of the lowest-priced Phoenix, AZ auto insurance companies.

As illustrated above, if you buy coverage from Auto-Owners and switched to The Hartford, you may realize a yearly price reduction of in the vicinity of $79. Arizona drivers with Travelers may save as much as $230 a year, and USAA insureds might see rate reductions of $235 a year.

To compare your rates to other Arizona insurance companies, click here to start your free quote or click several companies below for low rates.

It’s important to note that these policy rates are averaged across all drivers and vehicles and do not factor in a specific location for police officers. So the auto insurance company that has the lowest price for you may not even be in the list above. That emphasizes why you need to get rate quotes from many companies using your own specific driver information and vehicle.

One of the many components that are looked at to help calculate the cost of insurance is where you choose to live. Cities with larger populations or higher claim trends tend to have more expensive auto insurance rates, whereas less populated areas have the luxury of lower rates.

The following table shows the most expensive places in Arizona for police officers in which to purchase auto insurance. Phoenix is ranked #1 with the yearly price of $1,255 for the average insured, which is around $105 each month.

How much does auto insurance cost in Phoenix?
Rank City Premium Per Year
1 Phoenix $1,255
2 Avondale $1,210
3 San Tan Valley $1,196
4 Glendale $1,178
5 Mesa $1,159
6 Buckeye $1,156
7 Gilbert $1,142
8 Scottsdale $1,129
9 Tempe $1,106
10 Goodyear $1,098
11 Chandler $1,093
12 Peoria $1,093
13 Surprise $1,090
14 Maricopa $1,074
15 Tucson $1,072
16 Casa Grande $1,057
17 Oro Valley $1,051
18 Casas Adobes $1,040
19 Catalina Foothills $1,040
20 Yuma $992
21 Prescott $942
22 Flagstaff $931
23 Bullhead City $878
24 Lake Havasu City $870
25 Sierra Vista $863
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Prices are estimated as the specific area where the vehicle is garaged can impact auto insurance rates considerably.

Selecting the right car insurance company can be a challenge considering how many companies sell insurance in Phoenix. The information below can help you pick which insurers you want to consider putting your business with.

These ratings are for large nationwide companies, so companies that may only write in Arizona are not taken into consideration for the list. To compare price quotes from the insurers below and more, just click here.

Top 10 Large Auto Insurance Companies in Phoenix Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. State Farm – 90%
  5. Nationwide – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. The General – 88%
  9. 21st Century – 88%
  10. Liberty Mutual – 88%

Get discounts on Phoenix insurance rates

Cheaper Phoenix, AZ car insurance for law enforcement personnelInsurance companies that offer coverage for police officers may also offer policy discounts that could reduce prices by 40% or more if you meet eligibility requirements. A few popular companies and some of the premium reductions they offer can be found below.

The illustration below shows the comparison of auto insurance rates with and without some available policy discounts. The premiums are based on a female driver, no claims or driving violations, Arizona state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with claim-free, accident-free, multiple policy, homeowner, vehicle safety, and multiple vehicle discounts applied. When discounts are factored in, theaverage yearly reduction on car insurance for police officers is 28% or $614.

A good deal can quickly turn bad

Phoenix car insurance rates are determined by lots of factors that control the price you have to pay. Simply getting older, buying a different vehicle, or getting a DUI can trigger price changes that can make some companies affordable when they were higher priced.

And not only may your rating factors change, but auto insurance companies change rates as often as every three months to help ensure profitability. An extended period of higher than normal claims may cause more expensive prices, while lower claim expenses can produce more affordable Phoenix car insurance rates.

The chart below shows rates for the cheapest car insurance in Phoenix, AZ for a 40-year-old female driver with no prior claims, no tickets, and good financial standing. Based on her personal profile, The Hartford offers the most affordable car insurance rates in Phoenix at $1,241 a year. This is $187 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are also on the list of the cheapest Phoenix, AZ auto insurance companies.

The next chart shows rates after we give the driver in the first chart a claim, a little lower credit rating, and a couple of points charged on her driving record. Since each insurance company has a different formula for establishing rates, comparing rates could now result in a new list of affordable Phoenix car insurance companies as shown below.

GEICO now has the lowest price in Phoenix with Ameriprise Group, Allied, CSAA, and Safe Auto also having competitive pricing. This example illustrates why it is crucial to take the time to shop around when trying to find the lowest auto insurance rates for police officers. Auto insurance prices are impacted by many risk factors and can change without notice, so the most economical option the last time you compared rates may now be one of the more expensive options.