One of the many criteria that are looked at to help calculate the annual cost of car insurance is where you live. Cities with larger populations are more likely to have higher rates, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.
The illustration below sorts the most expensive cities in Arizona for government employees to purchase a policy in. Phoenix is listed at #1 with an annual premium of $1,231 for the average insured, which is about $103 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | Avondale | $1,222 |
| 3 | Glendale | $1,214 |
| 4 | San Tan Valley | $1,196 |
| 5 | Buckeye | $1,156 |
| 6 | Scottsdale | $1,151 |
| 7 | Gilbert | $1,142 |
| 8 | Tempe | $1,140 |
| 9 | Peoria | $1,137 |
| 10 | Mesa | $1,125 |
| 11 | Maricopa | $1,107 |
| 12 | Tucson | $1,105 |
| 13 | Goodyear | $1,087 |
| 14 | Catalina Foothills | $1,082 |
| 15 | Casas Adobes | $1,082 |
| 16 | Chandler | $1,082 |
| 17 | Casa Grande | $1,079 |
| 18 | Surprise | $1,058 |
| 19 | Oro Valley | $1,031 |
| 20 | Flagstaff | $969 |
| Compare Rates Now Go | ||
Table data uses estimated as the specific area where the vehicle is garaged can alter premiums significantly.
The make and model of vehicle needing coverage is one of the largest considerations when shopping for the best cheap insurance for government employees. Vehicles with high performance, poor crash test ratings, or high incidents of liability claims will cost significantly more to insure than safer models.
The next table estimates coverage rates for some of the most budget-friendly automobiles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Explorer XLT 2WD | $1,713 |
| Ford Escape XLS 4WD | $1,750 |
| Chevrolet Equinox LS AWD | $1,806 |
| Ford F-150 FX4 Super Cab 4WD | $1,842 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,901 |
| Honda CR-V EX 4WD | $1,915 |
| Nissan Rogue S AWD | $1,938 |
| Honda Civic Hybrid 4-Dr Sedan | $1,948 |
| Jeep Wrangler Unlimited Sahara 4WD 4-Dr | $1,966 |
| Ford Focus SE 2-Dr Coupe | $2,033 |
| Honda Accord EX-L 4-Dr Sedan | $2,038 |
| Hyundai Sonata Limited 4-Dr Sedan | $2,069 |
| Toyota Prius | $2,078 |
| Dodge Ram 3500 Mega Cab SLT 2WD | $2,097 |
| Chevrolet Impala LS | $2,170 |
| Find Cheaper Rates Go | |
Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in garaging location in Phoenix, AZ which can modify price quotes substantially.
Based upon the rates shown, we can presume that cars like the Ford Explorer, Ford Escape, Chevrolet Equinox, Ford F-150, and Hyundai Elantra are likely to be a few of the cheapest vehicles to insure for state and federal workers.
Comparing rates for affordable car insurance is difficult, and determining which companies quote the lowest-priced insurance rates for government employees will take even more work. Each insurance company uses a different method for filing rates in each state, so first we will examine the insurance companies with the overall cheapest rates in Phoenix, AZ.
Find the Cheapest Car Insurance in Arizona
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Auto-Owners | $897 |
| 3 | Safeco | $905 |
| 4 | USAA | $1,091 |
| 5 | Travelers | $1,119 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,142 |
| 8 | Ameriprise Group | $1,172 |
| 9 | CSAA | $1,177 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | Safe Auto | $1,297 |
| 13 | Farmers | $1,337 |
| 14 | Unitrin | $1,343 |
| 15 | State Farm | $1,377 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,435 |
| 18 | Amica | $1,443 |
| 19 | MetLife | $1,521 |
| 20 | California Casualty | $1,568 |
| Quote Your Rates Go | ||
The Hartford quotes some of the most affordable car insurance rates in Phoenix at around $845 per year. Auto-Owners, Safeco, USAA, and Travelers also rank well as some of the cheapest Phoenix, AZ auto insurance companies.
As the example above demonstrates, if you are currently insured with Auto-Owners and switched to The Hartford, you may realize a yearly price reduction of around $52. Policyholders with Safeco could save as much as $60 a year, and USAA policyholders might realize rate reductions of up to $246 a year.
It’s important to note that these policy rates are averages across all insureds and vehicles and and are not figured with a specific location for government employees. So the insurer that fits your situation best may not even be in the top 28 companies shown above. That illustrates why you need to quote rates from many companies using your own driver and vehicle profiles.
Tickets and at-fault accidents raise rates
A great way to find the most affordable insurance prices in Phoenix for state and federal workers is to pay attention while driving and avoid traffic citations and accidents. The information below shows how violations and fender-benders can increase insurance premiums for each different age group. The premium estimates are based on a single female driver, comp and collision included, $500 deductibles, and no discounts are factored in.
In the prior example, the average cost of an auto insurance policy in Phoenix per year with no accidents and a clean driving record is $1,474. Add in two speeding tickets and the average cost swells to $1,975, an increase of $501 each year. Now include two accidents along with the two speeding tickets and the annual cost of insurance for government employees goes up to an average of $3,843. That’s an increase of $2,369, or $197 per month, just for not driving safely!
The example below highlights how deductible selection can influence insurance costs when quoting cheap insurance for government employees. The rates are based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.
The chart above illustrates that a 50-year-old driver could pocket $250 a year by changing from a $100 deductible to a $500 deductible, or save $378 by using a $1,000 deductible. Younger drivers, like the 20-year-old, could roll back prices up to $834 each year by using higher deductibles when buying full coverage. If you do decide to increase your deductibles, it is a good idea to have emergency funds available to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
How to find more affordable auto insurance for government employees
The list below summarizes many money-saving solutions that can help you find cheap coverage.
- Avoid at-fault accidents and claims
- Speeding tickets and other violations increase rates
- Lower rates by purchasing a safer vehicle
- Better credit scores save money
- Avoid filing excessive claims
- Shop your coverage around for the best deal
That final tip is especially critical, as was noted in this piece. Prices charged by car insurance companies in Phoenix can change considerably based on profitability, so drivers shouldn’t be resistant to change to a new company if a better deal can be had.
We understand brand loyalty, but is isn’t recommended if it’s costing you hundreds every year. If you have a few minutes, now is a great time to compare rates to find cheaper car insurance for government employees.
The professional agents shown below can probably provide answers to your questions and help you determine which coverages and limits you need, since lots of people like to get some professional input when trying to find lower insurance rates for government employees. It’s not always easy to do it yourself, so getting advice from a licensed agent can bring comfort knowing your coverage gives you enough coverage when you need it.
To locate an agency nearest to you, click the button after the list.
- Arly Sanchez – State Farm Insurance Agent
1625 N 51st Ave Ste 103 – Phoenix, AZ 85035 – (602) 455-2886 - State Farm: Lynn Hennessy
4645 E Chandler Blvd #110 – Phoenix, AZ 85048 – (480) 759-0203 - Jan McDaniel – State Farm Insurance Agent
4030 E Bell Rd #112 – Phoenix, AZ 85032 – (602) 266-2050 - LA Insurance Agency
7602 S Central Ave – Phoenix, AZ 85042 – (602) 276-0002 - General Southwest Insurance Agency
5628 E Thomas Rd – Phoenix, AZ 85018 – (480) 990-1900