Who Has the Cheapest Car Insurance Quotes with Multiple Speeding Tickets in Phoenix?

One of the many considerations that help determine insurance cost is where you keep your vehicle. Areas with more people or higher crime rates will most likely pay more, whereas less populated areas profit from lower rates.

The next table lists the most expensive places in Arizona with multiple speeding tickets to buy an auto insurance policy in. Phoenix ranks #1 with an annual cost of $1,218 for the average policy, which is around $102 monthly.

How much does auto insurance cost in Phoenix?
Rank City Annual Premium
1 Phoenix $1,218
2 Avondale $1,210
3 Glendale $1,190
4 San Tan Valley $1,185
5 Tempe $1,152
6 Buckeye $1,144
7 Mesa $1,125
8 Scottsdale $1,117
9 Gilbert $1,108
10 Peoria $1,104
11 Tucson $1,094
12 Chandler $1,093
13 Surprise $1,090
14 Goodyear $1,087
15 Maricopa $1,085
16 Casas Adobes $1,082
17 Oro Valley $1,051
18 Catalina Foothills $1,050
19 Casa Grande $1,047
20 Yuma $963
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Prices are comparative as zip code location can raise or lower rates considerably.

The car, truck, or SUV that is being insured is one of the largest factors that determines whether or not you find the cheapest car insurance with multiple speeding tickets. Vehicles with lower acceleration and performance, good crash test ratings, or low incidents of liability claims will cost substantially less to insure than high performance models.

The list below ranks insurance premiums for a number of the most economical automobiles to insure.

Cheapest Vehicles to Insure in Phoenix, AZ
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V EX-L 4WD $2,213
Volkswagen Jetta S 4-Dr Sedan $2,352
Ford Escape Limited 4WD $2,357
Dodge Grand Caravan Crew $2,397
Toyota Prius $2,408
Toyota Corolla LE $2,479
Ford Edge SE AWD $2,513
Nissan Rogue S 2WD $2,519
Chevrolet Silverado LT Regular Cab $2,513
Chevrolet Equinox LT AWD $2,561
Toyota RAV4 Sport 4WD $2,569
Toyota Camry LE $2,570
Ford F-150 Lariat Super Cab 4WD $2,623
Ford Explorer Eddie Bauer 4WD $2,629
Chevrolet Malibu LT $2,623
Hyundai Elantra Blue 4-Dr Sedan $2,657
Kia Optima SX $2,686
Honda Odyssey EX-L W/Rear Entertainment $2,706
Toyota Tacoma X-Runner 2WD $2,714
Chevrolet Impala LTZ $2,724
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Cost estimates assume married female driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, and claim-free. Premium costs do not factor in specific zip code location which can raise or lower insurance rates noticeably.

Looking at the rates, models like the Honda CR-V, Volkswagen Jetta, Ford Escape, Dodge Grand Caravan, and Toyota Prius will be a few of the most affordable vehicles to insure after a few driving violations.

How careless driving impacts Phoenix car insurance rates

The best way to receive the most affordable car insurance premiums in Phoenix after a few driving violations is to be a safe driver and avoid getting tickets or having accidents. The example below shows how violations and fender-benders drive up annual premium costs for different age groups. The information is based on a single male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

In the previous example, the average cost of auto insurance in Arizona per year with no accidents or violations is $1,263. Receive two speeding tickets and the average cost hikes up to $1,660, an increase of $397 each year. Now include one accident along with the two speeding tickets and the yearly cost of car insurance with multiple speeding tickets jumps again to an average of $2,064. That’s an increase of $802, or $67 per month, just for not driving attentively!

How to find a good Arizona car insurance company

Picking a highly-rated insurer can be challenging considering how many different companies there are to choose from in Phoenix. The rank data shown below may help you select which auto insurance companies to look at buying from. The ratings below are for companies with a nationwide focus, so companies that have a smaller presence are not taken into consideration for this list.

Phoenix, AZ Car Insurance Company Rankings
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
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Data Source: Insure.com Best Car Insurance Companies

Rate difference between full and liability-only coverage

Saving on car insurance should be important to most vehicle owners, and one of the quickest ways to pay lower rates for insurance with multiple speeding tickets is to buy liability only. The diagram below shows the comparison of annual premium costs with full physical damage coverage and with liability coverage only. The data is based on a clean driving record, no claims, $250 deductibles, marital status is single, and no other discounts are factored in.

If we average all the age groups together, physical damage coverage on your policy costs $1,579 per year more than insuring for liability only. That is a large expense which might make you wonder if it’s a good idea to buy full coverage. There is no definitive formula to eliminate comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.