It’s impossible to miss the commercials from auto insurance companies like Farmers, Nationwide, and Liberty Mutual that promise the cheapest price, so you just need to choose any of them, right?
It’s not quite that easy, unfortunately, as there are many unknown elements like if you have ever had a coverage lapse, how many years you have been driving, how well you maintain your credit, and if you have a tendency to get into accidents, that all have an effect on the price of a policy. This article will detail the types of situations that result in high rates and will hopefully give you a good start in finding the cheapest insurance in Arizona.
The vehicle model you are seeking coverage for is a large factor that determines whether or not you find the most economical insurance for active military. Vehicles with higher performance characteristics, poor crash test ratings, or a track record of large liability claims will cost much more to insure than more modest models.
The next list shows auto insurance prices for some of the more affordable automobiles to insure in Arizona.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $1,454 |
| Hyundai Elantra SE Touring Station Wagon | $1,576 |
| Toyota Prius | $1,612 |
| Dodge Grand Caravan SE | $1,630 |
| Ford Escape Limited 2WD | $1,686 |
| Honda CR-V EX 4WD | $1,694 |
| Jeep Grand Cherokee Laredo 4WD | $1,719 |
| Ford Fusion S 4-Dr Sedan | $1,728 |
| Chevrolet Silverado LS Regular Cab 2WD | $1,719 |
| Toyota Corolla XLE | $1,808 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,841 |
| Nissan Rogue SL 2WD | $1,847 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,844 |
| Chevrolet Malibu LTZ | $1,850 |
| Volkswagen Jetta SEL 4-Dr Sedan | $1,844 |
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rate information does not factor in specific zip code location which can raise or lower premium rates substantially.
Looking at the rates, vehicles like the Honda Accord, Hyundai Elantra, and Toyota Prius are most likely going to be the less-costly vehicles to insure for military personnel.
For military personnel, one of the more important components that aid in calculating the cost of insurance is where your car is garaged in Phoenix. Areas with high crime rates or more dense population tend to pay more, whereas more rural areas have the luxury of lower rates.
The next table sorts the most expensive cities in Arizona for active military in which to buy car insurance. Phoenix is ranked at #1 having an annual price of $1,231 for car insurance, which is approximately $103 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | Avondale | $1,222 |
| 3 | Glendale | $1,214 |
| 4 | San Tan Valley | $1,161 |
| 5 | Tempe | $1,152 |
| 6 | Peoria | $1,137 |
| 7 | Scottsdale | $1,129 |
| 8 | Mesa | $1,125 |
| 9 | Buckeye | $1,122 |
| 10 | Goodyear | $1,120 |
| 11 | Maricopa | $1,118 |
| 12 | Gilbert | $1,108 |
| 13 | Tucson | $1,094 |
| 14 | Casa Grande | $1,089 |
| 15 | Chandler | $1,082 |
| 16 | Surprise | $1,058 |
| 17 | Casas Adobes | $1,040 |
| 18 | Catalina Foothills | $1,040 |
| 19 | Oro Valley | $1,031 |
| 20 | Yuma | $954 |
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Table data uses comparative as the garaging address in Phoenix can revise price quotes noticeably.
Insuring your vehicle with a good quality car insurance provider can be a challenge considering how many different companies insure vehicles in Phoenix. The company rank data shown next can help you pick which auto insurers you want to consider when shopping insurance around for active military. These ratings are for companies who write in the majority of U.S. states, so smaller regional companies will not be included in this list.
Top 10 Major Auto Insurers in Phoenix Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Major Auto Insurers Overall in Phoenix
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Careless Phoenix drivers pay higher rates
The easiest way to obtain the cheapest auto insurance prices in Arizona for military personnel is to drive safe and not get tickets or have accidents. The information below highlights how traffic violations and at-fault collisions can affect insurance costs for different age groups of insureds. The premium estimates are based on a married male driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.
In the chart above, the average cost of an auto insurance policy in Arizona per year with no accidents or violations is $1,074. Get one speeding ticket and the average cost jumps to $1,236, an increase of $162 each year. Now add in two accidents along with the one speeding ticket and the 12-month cost of auto insurance for active military goes up to an average of $2,757. That’s an increase of $1,682, or $140 per month, just for not driving attentively!
Discounts on Phoenix insurance rates
Insurers that provide policies for active military may have special discounts that could potentially reduce rates by as much as 30% if you meet certain criteria. Larger auto insurance companies and a summarized list of policyholder discounts are detailed below.
- State Farm discounts include anti-theft, passive restraint, safe vehicle, driver’s education, and multiple autos.
- American Family may have discounts that include TimeAway discount, good driver, multi-vehicle, defensive driver, Steer into Savings, mySafetyValet, and air bags.
- GEICO may include discounts for defensive driver, military active duty, emergency military deployment, anti-theft, daytime running lights, driver training, and federal employee.
- 21st Century has savings for early bird, 55 and older, teen driver, driver training, automatic seat belts, defensive driver, and theft prevention.
- Progressive includes discounts for good student, homeowner, online signing, online quote discount, and multi-policy.
The chart below illustrates the difference between insurance costs with and without some available policy discounts. The data assumes a female driver, no accidents, no driving violations, Arizona state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple vehicle, multiple policy, homeowner, claim-free, anti-theft, and safe-driver discounts applied. When drivers take advantage of discounts, theamount saved on auto insurance for active military is 28% or $455.
The professional agents shown below are willing to provide answers to your questions and help you determine which auto insurance coverages would be the best in your situation, since many consumers aren’t sure which coverage to buy and prefer to get help from a professional when trying to find the best insurance rates for military personnel. It can be time-consuming to find the cheapest car insurance policy, so getting advice from a licensed agent can add comfort knowing your coverage gives you adequate protection in the event of a claim. To locate a Phoenix insurance agent near you, click the link at the bottom or click here to compare price quotes now.
- American Premier Insurance Agency
16815 S Desert Foothills Pkwy #140 – Phoenix, AZ 85048 – (480) 423-3444 - Marcella Busto – State Farm® Insurance Agent
3401 N 32nd St B – Phoenix, AZ 85018 – (602) 955-5450 - Llyrena Sherwood – State Farm Insurance Agent
3415 W Glendale Ave #7 – Phoenix, AZ 85051 – (602) 368-9102 - Lynn Buss – State Farm Insurance Agent
4022 E Broadway Rd #106 – Phoenix, AZ 85040 – (602) 454-8570 - Mary Parada – State Farm Insurance Agent
3414 W Bell Rd – Phoenix, AZ 85053 – (602) 942-9202