Best Cheap Auto Insurance Quotes for Good Drivers in Arizona

It’s hard to avoid all the captivating commercials from car insurance companies like Progressive and GEICO that say if you switch you’ll get the cheapest rates. So you should just choose the one with the flashiest ad, right?

It’s just not that easy, however, as there are a ton of unknown elements like how well you maintain your credit, if you have any chargeable driving offenses, if you own or rent your home, and the crash test ratings of your vehicle, that all factor into the price you pay. The information below will cover these factors and others that can influence the price of auto insurance and educate you enough to have a good beginning to your search for cheaper coverage.

Trying to find reasonably-priced auto insurance is not always easy, and finding out which companies offer the most affordable auto insurance rates for good drivers will involve even more perseverance. Prices will be somewhat better than the average policy in Arizona, with the decrease attributed to the potential for less claims that goes along with selling coverage for safe drivers. Competitive insurance should be possible from many preferred companies.
Every auto insurer has their own formula to determine rates, so we’ll go over the lowest cost auto insurance companies in Arizona.

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The Hartford may offer some of the lowest car insurance rates in Arizona at around $836 each year. Safeco, Auto-Owners, Travelers, and USAA also make the cut as some of the most economical Arizona auto insurance companies.

As shown in the rates above, if you are a customer of USAA and switched to Safeco, you may realize a yearly price reduction of roughly $217. Arizona drivers with Progressive might save as much as $222 a year, and Ameriprise Group insureds might reduce prices by as much as $276 a year.

It’s important to note that these estimates are averaged for all drivers and vehicles and and are not calculated with a price discount for good drivers. So the car insurance company that has the cheapest price for you may not even be featured in the above rate chart. That helps illustrate why you need to quote rates from many companies using your own personalized driver profile and vehicle information.

When shopping for cheaper insurance for safe drivers, one of the many factors that help determine a rate quote is where you live. Cities with larger populations or higher claim trends like Phoenix, Avondale, and Gilbert are more likely to pay higher prices, whereas more rural areas benefit from lower coverage costs.

The next table sorts the highest-priced places in Arizona for good drivers to buy car insurance in.

Premium amounts are approximated as the specific Arizona residence address can increase or decrease coverage rates substantially.

Everyone has different tastes in autos, and the style of vehicle to be insured is one of the largest factors when shopping for the best cheap auto insurance for good drivers in Arizona. Vehicles with limited top-end speed, good crash test ratings, or low incidents of liability claims will cost substantially less to insure than adrenaline junky models. The lists below illustrates insurance rates for a selection of the most economical automobiles to insure in Arizona.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in specific Arizona garaging location which can impact rates significantly.

Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Estimates do not factor in your specific Arizona location which can lower or raise price quotes substantially.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Premium costs do not factor in garaging location in Arizona which can change auto insurance rates noticeably.

Get discount Arizona car insurance

Insurers that provide the best cheap auto insurance for good drivers in Arizona may also provide special discounts that could reduce prices by 35% or more if you meet eligibility requirements. A few of the larger companies and a selection of discounts are:

• State Farm includes discounts for accident-free, good student, good driver, driver’s education, multiple policy, and multiple autos.
• Progressive offers premium reductions for multi-policy, homeowner, online quote discount, continuous coverage, multi-vehicle, and good student.
• Travelers offers discounts for save driver, home ownership, student away at school, hybrid/electric vehicle, and IntelliDrive.
• American Family discounts include Steer into Savings, air bags, defensive driver, mySafetyValet, and early bird.
• Liberty Mutual has savings for new move discount, exclusive group savings, multi-car, preferred payment discount, and new graduate.

The information below illustrates the difference between premium costs with and without some available policy discounts. The prices are based on a male driver, no violations or accidents, Arizona state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with homeowner, vehicle safety, passive restraint, anti-theft, claim-free, and multiple vehicle discounts applied. With discounts applied, the the amount saved on auto insurance for good drivers is 28% or $595.

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Which car insurance company is best?

When comparing car insurance for safe drivers in Arizona, the top insurers to get price quotes from are State Farm, Progressive, Geico, and Allstate. The following table breaks down some of the different features .

Who has the cheapest insurance quotes for safe drivers?

Thanks to technology, drivers have a lot of ways to get affordable auto insurance quotes in Arizona, but the most preferred are through an exclusive agency such as Auto-Owners or State Farm, an independent or non-exclusive agent, or from a direct company like Geico or Progressive. They all follow the same basic process, but it’s good to know the differences in how they give price quotes.

Independent insurance agencies can place your business with multiple companies and can get rate quotes from all of them. These types of agents can sell policies from many different companies and can give you more rates, which may provide you with a better chance of saving money. If they find a cheaper price, an independent agent can move your coverage without having to get a different agent.

An exclusive ageny is only able to write with a single company like a State Farm or Allstate agent. Exclusive agents generally are unable to provide a range of price quotes, which does not give you the best rate comparison.

Auto insurance from a direct company means you bypass an independent or exclusive agent and instead shop from a direct company like Geico or Progressive. This auto insurance option is a good choice for consumers who do not need risk management and have knowledge of what limits they need.

Which method is best for finding the best cheap auto insurance for good drivers in Arizona? The majority of auto insurance shoppers assume that buying direct results in the cheapest price because there isn’t an agent involved, but unfortunately, that is not the case. It would also be easy to say buying auto insurance from an independent agent guarantees the cheapest rates due to having more companies to select from, but that assumption is also not necessarily accurate. In a lot of cases, exclusive agents have very competitive rates that cannot be beaten by either independent or direct companies.

Because there are so many factors that make up auto insurance rates, really the only way to ensure you are not overpaying is to compare rate quotes from as many companies as possible. Take some time and get price quotes from all three to have enough rates to compare. For a list of companies with some of the cheapest Arizona auto insurance rates, click here to view.