How Much is Car Insurance for Veterans in Phoenix?

The words “low-priced” and “insurance” really should not be used together, specifically when trying to find the best car insurance for veterans. Let’s learn about some things that impact auto insurance prices, and find out if you can reduce the price of the next policy you buy.

Finding out which companies quote the cheapest insurance rates for veterans involves a bit more work in order to find the best policy. Every insurance company uses their own method to determine premium rates, so let’s take a look at the lowest cost insurance companies in Phoenix.

It’s important that readers know that Arizona insurance rates are impacted by many things that will increase or decrease the price you have to pay for coverage. Turning one year older, moving to a new city, or getting caught speeding can produce rate changes that may make certain companies more affordable than the competition.

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Rankings for the cheapest car insurance companies in Arizona
Rank Company Cost Per Year
1 The Hartford $836
2 Auto-Owners $888
3 Safeco $896
4 Travelers $1,119
5 USAA $1,124
6 Progressive $1,130
7 GEICO $1,131
8 Ameriprise Group $1,220
9 CSAA $1,225
10 Allied $1,233
11 Farm Bureau Mutual $1,247
12 State Farm $1,323
13 Safe Auto $1,336
14 Unitrin $1,343
15 Farmers $1,350
16 American Family $1,420
17 Amica $1,429
18 Titan $1,476
19 MetLife $1,551
20 California Casualty $1,552
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The Hartford quotes some of the cheapest car insurance rates in Phoenix at around $836 per year. Auto-Owners, Safeco, Travelers, and USAA would also be considered some of the more affordable Phoenix, AZ insurance companies.

In the rate table above, if you currently buy coverage from Travelers and switched to The Hartford, you might realize a yearly savings of around $283. Customers with USAA might save as much as $288 a year, and Progressive insureds might reduce rates by $294 a year.

Remember that these policy rates are averages for all drivers and vehicles in Arizona and and are not calculated with an exact zip code location for veterans. So the insurer that can offer you the best rate may not even be in the top 28 companies in the list above. That affirms the importance of why you need to get rate quotes from many companies using your own specific driver and vehicle information.

One of the many factors that are looked at to help calculate the cost of insurance is where you live. Areas with more people or more claims will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims benefit from having to pay less for coverage.

The illustration below sorts the most expensive places in Arizona for veterans to buy car insurance in. Phoenix is ranked at #1 with the yearly price of $1,268 for car insurance, which is around $106 monthly.

Car insurance prices in Phoenix
Rank City Annual Rate
1 Phoenix $1,268
2 Avondale $1,210
3 Glendale $1,190
4 San Tan Valley $1,161
5 Buckeye $1,156
6 Gilbert $1,154
7 Peoria $1,126
8 Tempe $1,118
9 Maricopa $1,118
10 Scottsdale $1,117
11 Mesa $1,113
12 Tucson $1,094
13 Chandler $1,093
14 Goodyear $1,087
15 Surprise $1,080
16 Catalina Foothills $1,072
17 Casas Adobes $1,050
18 Casa Grande $1,047
19 Oro Valley $1,031
20 Yuma $983
21 Flagstaff $960
22 Prescott $942
23 Bullhead City $878
24 Sierra Vista $863
25 Lake Havasu City $844
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Prices are approximated as the vehicle garaging location can decrease or increase auto insurance rates greatly.

Insuring your vehicle with the right company can be rather challenging considering how many choices drivers have in Arizona. The rank data below can help you decide which providers you want to consider purchasing from. The rankings below are only made up of the largest companies in America, so smaller companies will not be included in this list.

Best Insurance Companies for Veterans in Arizona
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
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

The example below demonstrates how deductible levels can raise or lower insurance costs when researching cheap insurance for veterans. The price estimates are based on a single male driver, comp and collision included, and no additional discounts are factored in.

In the chart above, a 40-year-old driver could reduce rates by $334 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $502 by changing to a $1,000 deductible. Younger drivers, such as the 20-year-old example, could potentially save $1,114 every year just by choosing higher deductibles.

If you do make the decision to raise your deductibles, it will now be necessary to have additional funds in a savings account to enable you to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Discount Phoenix auto insurance

Save on insurance for veterans in PhoenixAuto insurance companies that sell policies for veterans may additionally offer rate discounts that could reduce prices by 40% or more if you meet eligibility requirements. A few of the larger companies and some of the discounts are outlined below.

The chart below visualizes the comparison of annual premium costs with and without discounts applied to the rates. The premiums are based on a male driver, no claims, a clean driving record, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with defensive driving course, passive restraint, accident-free, safe-driver, anti-theft, and multiple policy discounts applied. When these discounts are applied, theamount saved on insurance for veterans is 28% or $642.

The auto insurance agents in Phoenix shown below can most likely help you determine which insurance coverage will be best for you, since some people have coverage questions and would like to have some advice when trying to find the best insurance rates for veterans. It’s not always easy to find the best coverage yourself, so using a licensed agent can give you satisfaction knowing you have enough protection.

To locate a Phoenix insurance agent closest to you, click the button at the bottom of the list.

View map of Phoenix, AZ insurance agents