What Insurance is Cheapest for Infrequent Drivers in Phoenix?

One of the many considerations that are used to help calculate the amount you pay for auto insurance is where you call home. Cities with larger populations or higher claim trends will most likely pay more, whereas areas that tend to be more rural have the luxury of lower rates.

The information below rates the most expensive areas in Arizona for infrequent drivers to purchase a policy in. Phoenix shows up at #1 with the yearly price of $1,255 for car insurance, which is around $105 per month.

How much is auto insurance in Phoenix, AZ?
Rank City Annual Rate
1 Phoenix $1,255
2 Avondale $1,222
3 Glendale $1,178
4 San Tan Valley $1,161
5 Buckeye $1,156
6 Goodyear $1,131
7 Scottsdale $1,129
8 Chandler $1,126
9 Gilbert $1,120
10 Tempe $1,118
11 Mesa $1,113
12 Maricopa $1,107
13 Peoria $1,093
14 Tucson $1,072
15 Catalina Foothills $1,072
16 Casa Grande $1,057
17 Oro Valley $1,051
18 Casas Adobes $1,050
19 Surprise $1,048
20 Yuma $963
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Premium costs are comparative as vehicle location can decrease or increase auto insurance rates greatly.

Trying to buy affordable auto insurance is not the easiest thing to accomplish, and determining which company offers the lowest-priced insurance rates for infrequent drivers calls for a bit more work. Each insurance company has their own formula for setting prices, so let’s take a look at the most affordable insurance companies in Phoenix.

Find the Best Cheap Insurance in Arizona

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Arizona car insurance ranked by cost per year
Rank Company Cost Per Year
1 The Hartford $845
2 Safeco $905
3 Auto-Owners $915
4 USAA $1,091
5 Travelers $1,119
6 GEICO $1,131
7 Progressive $1,164
8 CSAA $1,189
9 Allied $1,197
10 Ameriprise Group $1,220
11 Farm Bureau Mutual $1,247
12 Safe Auto $1,297
13 State Farm $1,323
14 Unitrin $1,357
15 Farmers $1,378
16 Amica $1,443
17 American Family $1,463
18 Titan $1,476
19 MetLife $1,551
20 California Casualty $1,568
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The Hartford may have some of the cheapest car insurance rates in Phoenix at around $845 per year. This is $583 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers also qualify as some of the best Phoenix, AZ auto insurance companies.

As shown in the table above, if you are a customer of Auto-Owners and switched to The Hartford, you may see a yearly savings of about $70. Customers with USAA could save as much as $246 a year, and Travelers policyholders might reduce prices by as much as $274 a year.

If you would like to find cheaper car insurance rates, click here to start your custom quote or click several companies below for low rates.

These rates are averaged for all insureds and vehicles and are not factoring in a vehicle location for infrequent drivers. So the auto insurance company that can offer the best rates for your situation may not even be in the list above. That’s why you need to get rate quotes from many companies using your own driver data and vehicle information.

The vehicle model driven is one of the largest considerations when consumers are trying to find the lowest-priced coverage for infrequent drivers. Vehicles with high performance features, a lack of modern safety features, or an increased likelihood of liability claims will cost significantly more to insure than more economical and safe models. The table below estimates car insurance costs for a number of the most budget-friendly vehicles to insure.

Cheapest Vehicles to Insure in Phoenix, AZ
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda CR-V EX 4WD $1,755
Jeep Wrangler Sahara 4WD 2-Dr $1,927
Ford Fusion S 4-Dr Sedan $2,031
Chevrolet Malibu LS $2,038
Honda Accord EX-L 4-Dr Sedan $2,132
Ford Escape XLT 4WD $2,156
GMC Sierra SLE Crew Cab 4WD $2,177
Toyota Tacoma 4WD $2,207
Ford Explorer XLT AWD $2,212
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD $2,254
Ford Focus SE 2-Dr Coupe $2,284
Chevrolet Impala LS $2,292
Volkswagen Jetta 2.0T Station Wagon $2,299
Ford F-150 STX Super Cab 2WD $2,308
Hyundai Sonata Limited 4-Dr Sedan $2,323
Toyota RAV4 Limited 2WD $2,329
Chevrolet Equinox LS AWD $2,334
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Table data does not factor in the specific area where the vehicle is garaged which can influence auto insurance rates considerably.

Looking at the numbers, you can expect cars like the Honda CR-V, Jeep Wrangler, and Ford Fusion are most likely to be some of the most affordable vehicles to insure for low mileage drivers.

Insuring your vehicle with a high-quality insurance company can be rather challenging considering how many different companies there are to choose from in Arizona. The company rank data below can help you choose which car insurance providers to look at comparing prices from.

The ratings below are for companies with a national presence, so smaller regional companies are not taken into consideration for these rankings. If you wish to compare rates from these top insurers and more, just click here.

Top 10 Major Auto Insurance Providers 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%

Liability-only versus full coverage

Reducing premiums for insurance should be important to the majority of people, and a good way to buy cheap insurance for infrequent drivers is to buy liability only. The example below shows the difference between yearly insurance costs when comparing full coverage to liability only. The data is based on no driving violations, no at-fault accidents, $500 deductibles, drivers are single, and no additional discounts are factored in.

Averaged for all ages 20 through 70, physical damage coverage on your policy costs $1,919 per year more than buying just liability insurance. That touches on the question if buying full coverage is worth the money. There is no clear-cut formula of when to eliminate physical damage insurance, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your vehicle’s settlement value is $11,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $10,000 after you pay the deductible. If you are paying in excess of $1,000 a year for comprehensive and collision coverage, then it might be time to buy liability only.

There are a few cases where only buying liability is not a good idea. If you haven’t satisfied your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

The illustration below demonstrates how deductible levels can influence premium costs when trying to find cheap insurance for infrequent drivers. The price estimates are based on a single female driver, full physical damage coverage, and no other discounts are factored in.

A 30-year-old driver could lower their policy premium by $326 a year by changing from a $100 deductible to a $500 deductible, or save $492 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old category, have the ability to save up to $724 every year by using a higher deductible.

If you make the decision to raise deductibles, it will now be necessary to have enough savings to enable you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

How to find the cheapest auto insurance for infrequent drivers

The list below details a few thrifty suggestions that can help Arizona drivers locate low-cost coverage.

That final tip is especially important, as was emphasized in this write-up. Prices charged by companies can change in a short period of time, so drivers shouldn’t be reluctant to change to a new company if you find a cheaper price.

Loyalty to a specific company is fine, but we do not recommend it if that loyalty ends up costing money that could be used for better things. Take a few minutes and compare rates to find cheaper auto insurance for infrequent drivers in Phoenix.

If you aren’t sure which coverage you need and prefer to get some professional advice when shopping for the best coverage for low mileage drivers, the insurance agencies below can help you determine which car insurance policy is best. To locate an agency near you, click the button at the bottom of the list or click here to compare price quotes now.

GEICO Insurance Agent
9515 W Camelback Rd #134Phoenix, AZ 85037(602) 234-3426

MiniCo Insurance Agency, LLC
10851 N Black Canyon Hwy #200Phoenix, AZ 85029(800) 528-1056

Jacob Rosell – State Farm Insurance Agent
2218 N 24th StPhoenix, AZ 85008(602) 267-8200

Severiano Torres III – State Farm Insurance Agent
1820 N 75th Ave #106Phoenix, AZ 85035(623) 846-0240

More Phoenix, AZ insurance agents