How Much is Insurance for Ride Shares in Arizona?

How Much is Insurance for Ride Shares in Arizona?

When shopping for auto insurance , one of the many components that is looked at to help calculate insurance cost is where your home is located. More densely populated places like Phoenix, Avondale, and Gilbert will most likely have higher rates, whereas areas with less crime or weather claims tend to receive cheaper rates.

The next table sorts the most expensive places in Arizona to purchase car insurance in.

How much does car insurance cost in Arizona?
Rank City Average Per Year
1 Phoenix $1,218
2 Glendale $1,214
3 Avondale $1,174
4 San Tan Valley $1,161
5 Gilbert $1,154
6 Tempe $1,152
7 Scottsdale $1,151
8 Buckeye $1,144
9 Goodyear $1,120
10 Chandler $1,115
11 Mesa $1,113
12 Peoria $1,104
13 Casa Grande $1,089
14 Casas Adobes $1,082
15 Catalina Foothills $1,082
16 Maricopa $1,074
17 Oro Valley $1,062
18 Tucson $1,061
19 Surprise $1,048
20 Flagstaff $969
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Rate quotes are comparative as the specific garaging location can change premium rates substantially.

Determining which insurers offer the cheapest car insurance rates may require a little more sweat than just comparing rates from one or two companies. Each auto insurer uses a different method for determining rates in each state, so let’s look at the rankings for the car insurance companies that tend to have lower prices in Arizona.

It’s important to understand that Arizona car insurance rates are based on many factors which can significantly increase or decrease the price you have to pay. Simply having a birthday, buying a home instead of renting, or getting a reckless driving citation can produce rate changes resulting in some rates now being cheaper than others.

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Who has the cheapest car insurance in Arizona?
Rank Company Cost Per Year
1 The Hartford $836
2 Auto-Owners $897
3 Safeco $923
4 USAA $1,091
5 Travelers $1,108
6 Progressive $1,130
7 GEICO $1,166
8 Ameriprise Group $1,208
9 CSAA $1,213
10 Allied $1,245
11 Farm Bureau Mutual $1,259
12 Unitrin $1,303
13 Safe Auto $1,323
14 State Farm $1,337
15 Farmers $1,350
16 Titan $1,433
17 American Family $1,435
18 Amica $1,473
19 MetLife $1,505
20 California Casualty $1,568
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The Hartford normally has some of the most affordable car insurance rates in Arizona at around $836 annually. Auto-Owners, Safeco, USAA, and Travelers also rank well as some of the best Arizona insurance companies.

In the rate table above, if you currently have a policy with Safeco and switched to The Hartford, you could realize yearly savings of in the vicinity of $87. Arizona drivers with USAA might save as much as $255 a year, and Travelers customers might lower prices by up to $272 a year.

To find cheap insurance in Arizona, click here to start your custom quote or quote prices from the following companies.

These rates are averages across all ages of drivers and types of vehicles and and are not figured with a rate discount . So the insurer that is most affordable for your situation may not even be included in the list of companies shown earlier. That helps illustrate why you need to quote rates from many companies using your own individual information.

The example below demonstrates how choosing different deductibles can raise or lower insurance prices when quoting cheap insurance . Data assumes a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

The data above shows that a 50-year-old driver could lower their policy premium by $276 a year by increasing from a $100 deductible to a $500 deductible, or save $416 by using a $1,000 deductible. Youthful drivers, like the 20-year-old example, can cut as much as $684 each year by choosing larger deductibles on their policy.

When raising deductibles, it will be necessary to have enough in a savings account to satisfy the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Best rates: Progressive, State Farm, Geico, or Allstate

If you are shopping around for auto insurance in Arizona, the top insurers to get price quotes from are Progressive, State Farm, Geico, and Allstate. Combined they make up over 45% of all auto insurance written. The following table compares and contrasts pricing and service ratings, plus some optional coverages that policyholders can buy.

Largest U.S. Car Insurance Company Ratings
Progressive State Farm Geico Allstate
Overall Cost 3rd 2nd 1st 4th
Client Satisfaction 3rd 4th 1st 2nd
Number of Discounts 4th 3rd 2nd 1st
Claims Service 4th 2nd 3rd 1st
U.S. market share 8.8% 18.3% 11.4% 10%
Rating based on usage Yes Yes No Yes
New car replacement coverage No No No Yes
Emergency roadside assistance Yes Yes Yes Yes
Accident forgiveness Yes No Yes Yes
Rideshare coverage Yes Yes Yes Yes
Breakdown insurance Yes No Yes No
Offered in Arizona Yes Yes Yes Yes
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Find cheap insurance in Arizona

It is possible to find better rates, and here are many thrifty solutions that can help drivers buy cheap car insurance.

  • If possible, pay for small claims out-of-pocket
  • Increase your policy deductibles
  • Choose a safer vehicle and pay lower rates
  • Clean up your credit
  • Buying your home and auto policies from the same company can earn a discount
  • Assess whether full coverage is needed
  • Keep rates low by comparing prices once a year

That final tip is especially significant, as was discussed in this article. Coverage rates vary greatly, so don’t be afraid to switch companies if you can save money. Staying with the same company for years is fine, but it’s not a great idea if that inflexibility results in costing you several hundred dollars every year. Now is a great time to shop around and find cheaper insurance
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