The make and model of vehicle to be insured is probably the most important factor that determines if you can find affordable auto insurance for uninsured drivers. Vehicles with lower performance, modern passenger safety features, or a low likelihood of having liability claims will cost significantly less to insure than higher performance models. The table below features car insurance costs for a selection of the most cost-effective automobiles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$1,882|
|Honda CR-V LX 4WD||$1,887|
|Ford Edge Limited 2WD||$1,905|
|Toyota RAV4 Limited 4WD||$1,943|
|Chevrolet Malibu LT||$1,981|
|Toyota Corolla LE||$2,045|
|Ford Escape Limited 2WD||$2,062|
|GMC Sierra SLE Crew Cab 4WD||$2,082|
|Nissan Rogue SL 2WD||$2,089|
|Chevrolet Silverado LT Regular Cab||$2,082|
|Toyota Tacoma 4WD||$2,112|
|Hyundai Elantra SE Touring Station Wagon||$2,190|
|Nissan Altima 2.5 S 2-Dr Coupe||$2,222|
|Kia Optima SX||$2,227|
|Volkswagen Jetta LE 4-Dr Sedan||$2,228|
|Jeep Grand Cherokee Laredo 2WD||$2,238|
|Chevrolet Equinox LT AWD||$2,228|
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Data based on 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, multi-vehicle, safe-driver, homeowner, and claim-free. Premium costs do not factor in your specific Phoenix, AZ location which can alter auto insurance rates considerably.
Based upon these rates, we can assume that cars like the Honda Accord, Honda CR-V, and Ford Edge are going to be some of the most budget-friendly vehicles to insure for drivers with no prior coverage.
For drivers with no prior coverage, one of the more important criteria that are used to help calculate the annual cost of car insurance is where you keep your car. More populated areas are more likely to have higher rates, whereas less populated areas benefit from lower prices.
The table below sorts the most expensive places in Arizona for uninsured drivers to purchase car insurance in. Phoenix is ranked #2 with a yearly premium of $1,218 on average, which is around $102 monthly.
|3||San Tan Valley||$1,196|
|24||Lake Havasu City||$870|
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Rates are comparative as the specific zip code location can alter premiums noticeably.
Driving violations and accidents
The best way to score affordable auto insurance prices in Phoenix for drivers with no prior coverage is to be a safe driver and avoid getting tickets or having accidents. The example below demonstrates how speeding tickets and at-fault claims drive up insurance costs for each different age group. The price estimates are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.
In the chart above, the average cost of an auto insurance policy per year with no accidents or violations is $1,426. Factor in one speeding ticket and the average cost surges to $1,643, an increase of $217 each year. Next add two accidents along with the one speeding ticket and the yearly cost of auto insurance for uninsured drivers jumps again to an average of $3,689. That’s an increase of $2,263, or $189 per month, just for not driving safely!
Difference between full coverage and liability only rates
Paying a lower price for auto insurance is probably important to most vehicle owners, and one common way to reduce the cost of insurance for uninsured drivers is to not buy comprehensive and collision coverage. The information below illustrates the comparison of annual premium costs with and without physical damage coverage. The rate quotes are based on no accidents or driving violations, $500 deductibles, marital status is single, and no discounts are taken into consideration.
On average, full coverage costs an additional $1,417 per year more than just buying liability only. That is a large expense which might make you wonder if buying full coverage is worth the money. There is no definitive guideline of when to exclude physical damage coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than about 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
There are some situations where eliminating full coverage is not financially feasible. If you still owe money on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.
If you prefer to get some professional advice when trying to find lower insurance rates for uninsured drivers, the professional agents shown below can help you determine which auto insurance policy would work best for you.
To locate an agency close to you, click the button at the bottom.
Arly Sanchez – State Farm Insurance Agent
1625 N 51st Ave Ste 103 – Phoenix, AZ 85035 – (602) 455-2886
Allstate Insurance: David Vasquez
4151 W Bethany Home Rd a – Phoenix, AZ 85019 – (602) 841-1421
Fasula Kaplan Insurance Agency
11022 N 28th Dr Suite 125 – Phoenix, AZ 85029 – (602) 564-0880
Douglas Cheung – State Farm Insurance Agent
2600 N 44th St #110 – Phoenix, AZ 85008 – (602) 840-6655
How to find cheaper car insurance for uninsured drivers
It is possible to find better rates, and here are some of the better money-saving solutions that can help drivers get low-cost coverage.
- Staying accident-free helps keep rates low
- Speeding tickets and other violations increase rates
- Drive vehicles with five-star safety ratings
- If possible, pay for small claims out-of-pocket
- Better credit rating means better rates
- Compare rates once a year for cheaper prices
That last idea is remarkably crucial, as was noted in the prior information. Coverage prices can change significantly in a year, so don’t be tentative to switch carriers if you can find a cheaper rate. Staying with the same company for years is fine, but it’s not recommended if that stubbornness costs you hundreds of dollars a year. Spend a few minutes and compare prices and find cheaper car insurance for uninsured drivers in Phoenix.