Trying to buy low-priced car insurance is not most people’s favorite thing to do, and finding out which company quotes the most affordable car insurance rates for safe drivers will require even more perseverance. Every auto insurer has their own guidelines to set premium rates, so we need to take a look at the most budget-friendly car insurance companies in Arizona.
Best Car Insurance Prices for Safe Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $915 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,108 |
| 6 | Progressive | $1,152 |
| 7 | GEICO | $1,177 |
| 8 | Allied | $1,197 |
| 9 | Ameriprise Group | $1,208 |
| 10 | CSAA | $1,213 |
| 11 | Farm Bureau Mutual | $1,297 |
| 12 | Safe Auto | $1,297 |
| 13 | State Farm | $1,337 |
| 14 | Unitrin | $1,343 |
| 15 | Farmers | $1,350 |
| 16 | Titan | $1,418 |
| 17 | Amica | $1,429 |
| 18 | American Family | $1,463 |
| 19 | California Casualty | $1,506 |
| 20 | MetLife | $1,567 |
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The Hartford may have some of the best car insurance rates in Phoenix at around $811 each year. Safeco, Auto-Owners, USAA, and Travelers also rank well as some of the best Phoenix, AZ auto insurance companies.
As the example above demonstrates, if you are currently insured with Travelers and switched to Safeco, you could realize annual savings of approximately $212. Drivers with Progressive may save as much as $256 a year, and GEICO customers might lower prices by $281 a year.
These premiums are averaged across all types of insureds and vehicles and and are not figured with an exact location for safe drivers. So the insurer that can offer you the best price may not even be in the list above. That points out the importance of why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
For good drivers, one of the largest considerations that are looked at to determine the amount you pay each year for auto insurance is where you live. More densely populated places tend to pay more, whereas areas with less people or fewer weather incidents benefit from lower coverage costs.
The information below lists the highest-priced areas in Arizona for safe drivers to purchase auto insurance in. Phoenix is ranked #1 with a yearly cost of $1,268 for car insurance, which is approximately $106 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,268 |
| 2 | Avondale | $1,222 |
| 3 | Glendale | $1,190 |
| 4 | San Tan Valley | $1,150 |
| 5 | Scottsdale | $1,129 |
| 6 | Peoria | $1,126 |
| 7 | Buckeye | $1,122 |
| 8 | Gilbert | $1,120 |
| 9 | Chandler | $1,115 |
| 10 | Mesa | $1,113 |
| 11 | Tempe | $1,106 |
| 12 | Goodyear | $1,087 |
| 13 | Maricopa | $1,085 |
| 14 | Casas Adobes | $1,082 |
| 15 | Tucson | $1,072 |
| 16 | Oro Valley | $1,051 |
| 17 | Catalina Foothills | $1,050 |
| 18 | Surprise | $1,048 |
| 19 | Casa Grande | $1,047 |
| 20 | Yuma | $983 |
| 21 | Flagstaff | $969 |
| 22 | Prescott | $952 |
| 23 | Bullhead City | $896 |
| 24 | Sierra Vista | $863 |
| 25 | Lake Havasu City | $852 |
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Information shown are comparative as the specific area where the vehicle is garaged can alter coverage rates significantly.
The vehicle you are buying coverage for is a significant factor that determines whether or not you find the cheapest coverage for safe drivers. Vehicles with higher performance characteristics, poor passenger safety features, or a track record of large liability claims will cost more to insure than safer, lower-performance models.
The list below presents insurance costs for the most affordable automobiles to insure in Arizona.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $1,792 |
| Honda Accord EX 4-Dr Sedan | $1,849 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,921 |
| Dodge Grand Caravan SXT | $1,950 |
| Honda Civic LX-S 4-Dr Sedan | $1,973 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,979 |
| Honda Odyssey EX-L W/Navigation | $2,011 |
| Toyota Corolla S | $2,017 |
| Honda CR-V EX-L 4WD | $2,031 |
| Ford Escape Limited 2WD | $2,036 |
| Nissan Altima Hybrid 4-Dr Sedan | $2,048 |
| Nissan Rogue SL 2WD | $2,051 |
| Ford F-150 XL Crew Cab 2WD | $2,074 |
| Ford Edge SEL 2WD | $2,149 |
| Toyota Camry Hybrid | $2,187 |
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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-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Information does not factor in specific garaging location which can influence rates considerably.
Based upon the table data, we can conclude that cars like the Toyota Prius, Honda Accord, Jeep Wrangler, Dodge Grand Caravan, and Honda Civic are going to be a few of the more affordable vehicles to insure for good drivers.
Selecting the right insurance provider can be challenging considering how many companies are available to choose from in Phoenix. The ranking information displayed below can help you choose which auto insurers to look at putting your business with. The rankings below are only made up of large nationwide companies, so smaller companies that only insure vehicles in Arizona are not taken into consideration for these rankings.
Top 10 Large Auto Insurance Companies in Phoenix Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Top 10 Large Auto Insurance Companies in Phoenix Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
The example below highlights how deductible choice can change annual premium costs when quoting cheap insurance for safe drivers. The price estimates are based on a married male driver, full coverage, and no additional discounts are factored in.
The data above shows that a 40-year-old driver could pocket $210 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $316 by using a $1,000 deductible. Youthful drivers, like the 20-year-old example, could drop their prices as much as $694 or more just by choosing higher deductibles. If you make the decision to raise deductibles, it’s a good idea to have additional funds squirreled away to allow you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Can you find cheaper Phoenix car insurance?
Phoenix car insurance rates are calculated based on many things which can significantly increase or decrease the price you pay. Getting older, buying a home instead of renting, or getting a speeding ticket may cause policy rate changes resulting in some companies being much cheaper than others.
In addition, insurers file new Arizona car insurance rates every year or even multiple times each year to ensure their profitability. Larger than normal claims can result in rate hikes, while a lower level of claims can cause cheaper Phoenix car insurance rates.
The chart below shows the companies that have the cheapest car insurance in Phoenix, AZ for a 30-year-old female driver with no accidents or violations, and excellent credit. If we estimate rates based on her personal risk profile, The Hartford might offer the lowest car insurance rates in Phoenix at $1,218 each year. This is $210 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are also included in the cheapest Phoenix, AZ auto insurance companies.
The example below compares rates after we give the driver from the above example a couple of claims, bad credit, and an imperfect driving record. Since each insurance company has a unique approach for determining rates in each state, comparing quotes may now present a different ranking of companies as shown below.
GEICO now has the best insurance rate in Phoenix with Ameriprise Group, CSAA, Allied, and Farm Bureau Mutual also having competitive pricing. This shows why it is crucial to do a thorough rate comparison when trying to get the most budget-friendly car insurance rates for safe drivers. Insurance prices are determined by many things and can decrease or increase without notice, so the lowest-price company when you bought your policy may now not even be in the top five.
Ideas for finding the cheapest car insurance for safe drivers
Here are some of the recommended penny-pinching solutions that can help Arizona drivers get lower-cost car insurance.
- Tickets and violations raise rates
- Increase your policy deductibles
- Drop full coverage on older vehicles
- Get cheaper liability coverage by choosing a safer vehicle
- Avoid having at-fault accidents
- Higher credit scores may earn you cheaper rates
- Check for cheaper rates once a year
The final tip is notably valuable, as was affirmed in this piece. Auto insurance prices vary greatly, so you should be ready to buy a policy from a new company if a cheaper rate is available. Brand loyalty is not necessarily bad, but it’s not a good idea if that stubbornness costs you a lot of money. In less than five minutes you could compare prices and find cheaper car insurance for safe drivers in Phoenix.
If you wish to get some professional input when buying car insurance for safe drivers, the professional agents shown below can help you decide which insurance coverage you need.
To locate an agency close to where you live, click the link at the bottom or click here to compare price quotes.
- Jan McDaniel – State Farm Insurance Agent
4030 E Bell Rd #112 – Phoenix, AZ 85032 – (602) 266-2050 - Oasis Insurance
317 N 19th Ave – Phoenix, AZ 85009 – (602) 233-5500 - Allstate Insurance: Christine Yap
9303 N 7th St Ste 5 – Phoenix, AZ 85020 – (602) 371-0581 - State Farm: Mat Herseth
751 E Union Hills Dr #A9, Phoenix 85024 – 751 E Union Hills Dr #A9, AZ 85024 – (602) 788-6700 - Travelers Insurance
22601 N 19th Ave #216 – Phoenix, AZ 85027 – (623) 572-0032