Cheap Car Insurance for Safe Drivers in Arizona

Finding good, low-cost car insurance is easier said than done, and determining which insurers offer the cheapest insurance rates for safe drivers calls for more quotes for comparison. Coverage rates will be slightly cheaper than the average rate in Arizona, with the lower price attributed to the posibility of fewer claims related to offering coverage for good drivers. Economical coverage should be obtainable without looking to hard.

Every auto insurer has their own guidelines to determine rates, so first we will examine the most budget-friendly insurance companies in Arizona. Keep in mind that Arizona insurance rates are influenced by many factors that may substantially change the cost of a policy. Events like a birthday, buying a different vehicle, or getting a ticket for careless driving can trigger price changes that can cause some rates to be cheaper than competitors.

Best Auto Insurance Prices for Safe Drivers

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The Hartford has some of the lowest car insurance rates in Arizona at around $845 per year. Auto-Owners, Safeco, USAA, and Progressive also are some of the lowest-priced Arizona insurance companies.

In the above rates, if you are currently insured with USAA and switched to The Hartford, you might see a yearly price reduction of in the neighborhood of $268. Drivers with Progressive may save as much as $273 a year, and Travelers insureds might lower prices by $274 a year.

If you would like to find cheap auto insurance for safe drivers in Arizona, click here to start your free quote or quote rates from the companies below.

Remember that these policy rates are averaged across all types of drivers and the different vehicles they drive and do not factor in a price decrease for safe drivers. So the company that fits you best may not even be included in the list of companies shown earlier. That point stresses why you need to get quotes using your own individual information.

For good drivers, one of the more important criteria that insurance companies use when figuring the cost of insurance is your address. Areas that are more densely populated or have higher claim rates like Phoenix, Avondale, and Mesa will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims enjoy lower insurance rates.

The next table displays the most expensive places in Arizona for safe drivers to buy an auto insurance policy in.

Prices are comparative as zip code location can increase or decrease prices considerably.

Arizona insurance companies ranked

Choosing the best auto insurance provider is difficult considering how many different companies sell coverage in Arizona. The information displayed below could help you pick which insurers you want to consider comparing price quotes from.

These ratings are only made up of the largest companies in America, so companies that have a smaller presence are not included in this list. To get rate quotes from these companies and more, just click here.

Top 10 Major Auto Insurance Companies in Arizona Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. Titan Insurance
5. The General
6. State Farm
7. AAA Insurance
8. Mercury Insurance
9. Nationwide
10. Allstate

Top 10 Major Auto Insurance Companies Overall in Arizona

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Titan Insurance
9. Progressive
10. Mercury Insurance

The chart below demonstrates how deductibles can influence annual premium costs when trying to find cheap insurance for safe drivers. The premiums are based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

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The chart above illustrates that a 30-year-old driver could lower rates by $374 a year by increasing from a $100 deductible to a $500 deductible, or save $564 by changing to a $1,000 deductible. Even younger insureds, such as the Age 20 example, can cut up to $1,114 each year just by using higher deductibles. When choosing a higher deductible, it is important to have plenty of discretionary funds to allow you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Does Progressive, State Farm, Geico, or Allstate have the cheapest car insurance?

If you’re looking for the best auto insurance for good drivers in Arizona, probably the best companies to start with are Progressive, State Farm, Geico, and Allstate. All of them have slightly different options that may influence which company you choose. The following table ranks ratings for price, service, and claims, in additional to some of the optional coverages that are available from each company.