Cheap Car Insurance Quotes for Veterans in Arizona

Cheap Car Insurance Quotes for Veterans in Arizona

Wouldn’t it be so easy if we could wave our magic wand and tell you the one company that has the best insurance prices for veterans? It’s not quite that easy, unfortunately, as there are a lot of unknown factors such as if you are a good driver, how much you actually drive in a year, and how well you maintain your credit, that all influence how much you pay for auto insurance. The content below will cover some of these factors and will hopefully give you some help in finding cheaper rates.

The safety and performance level of the vehicle you are seeking coverage for is one of the main factors when shopping for affordable car insurance for veterans. Vehicles with limited top-end speed, good crash test ratings, or a track record of few liability claims will cost less to insure than high performance models. The data below outlines auto insurance rates for a number of the most economical automobiles to buy insurance for.

Insurance Rates for Popular Cars in Arizona
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Ford Focus S 4-Dr Sedan $1,014 $507 $85
Ford Fusion Hybrid 4-Dr Sedan $1,316 $658 $110
Honda Accord LX 4-Dr Sedan $876 $438 $73
Honda Civic DX 2-Dr Coupe $1,202 $601 $100
Hyundai Sonata SE 4-Dr Sedan $1,166 $583 $97
Kia Optima LX $1,102 $551 $92
Nissan Altima 2.5 S 4-Dr Sedan $1,102 $551 $92
Toyota Camry XLE $1,102 $551 $92
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Information does not factor in vehicle garaging location which can alter coverage rates considerably.

Insurance Rates for Popular SUVs and Crossovers in Arizona
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Buick Enclave CX AWD $1,126 $563 $94
Chevrolet Traverse LTZ 2WD $988 $494 $82
Ford Escape XLS 2WD $876 $438 $73
Ford Explorer Limited AWD $1,062 $531 $89
GMC Acadia SLE AWD $1,038 $519 $87
Honda CR-V LX 4WD $876 $438 $73
Honda Fit Sport VSA $936 $468 $78
Honda Pilot LX 2WD $974 $487 $81
Hyundai Tucson Limited 2WD $1,038 $519 $87
Jeep Grand Cherokee Laredo 2WD $1,038 $519 $87
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,034 $517 $86
Nissan Pathfinder SE 4WD $974 $487 $81
Toyota 4Runner Limited 4WD $1,076 $538 $90
Toyota Highlander Hybrid 4WD $1,150 $575 $96
Toyota RAV4 Limited 4WD $1,038 $519 $87
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Information does not factor in specific location which can impact coverage rates noticeably.

Insurance Rates for Popular Pickup Trucks in Arizona
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado LS Extended Cab 2WD $1,102 $551 $92
Dodge Ram 2500 Crew Cab Laramie 2WD $1,344 $672 $112
Dodge Ram 3500 Crew Cab Laramie 2WD $1,062 $531 $89
Dodge Ram Crew Cab TRX 2WD $1,126 $563 $94
Ford F-150 Lariat King Ranch 2WD $1,126 $563 $94
Ford F-250 King Ranch Crew Cab 4WD $1,274 $637 $106
GMC Canyon SLE Ext Cab Z71 4WD $1,038 $519 $87
GMC Sierra 3500HD SLT Crew Cab 2WD $1,240 $620 $103
GMC Sierra SL Crew Cab 2WD $1,126 $563 $94
Toyota Tundra SR/5 Double Cab 2WD $1,102 $551 $92
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in specific garaging location which can raise or lower auto insurance rates considerably.

For Arizona drivers, one of the things used to calculate the amount you pay for auto insurance is where you live in Arizona. More densely populated places like Glendale, Avondale, and San Tan Valley tend to pay more, whereas areas with less traffic congestion and claims receive better rates.

The next table illustrates the most costly cities in Arizona for veterans to buy an auto insurance policy in.

Car insurance prices in Arizona
Rank City Premium Per Year
1 Glendale $1,226
2 Phoenix $1,218
3 Avondale $1,186
4 Scottsdale $1,163
5 San Tan Valley $1,161
6 Mesa $1,159
7 Tempe $1,152
8 Buckeye $1,144
9 Chandler $1,126
10 Gilbert $1,120
11 Tucson $1,105
12 Peoria $1,104
13 Casa Grande $1,089
14 Goodyear $1,087
15 Maricopa $1,085
16 Catalina Foothills $1,082
17 Casas Adobes $1,082
18 Surprise $1,080
19 Oro Valley $1,020
20 Yuma $992
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Rates are comparative as specific Arizona garaging address can raise or lower insurance rates substantially.

Buying coverage from a high-quality car insurance provider is hard considering how many choices there are in Arizona. The ranking information shown next can help you analyze which car insurance companies you want to consider to insure your vehicles. The rankings below include companies with a national presence, so companies that focus mainly on Arizona business will not be included in these rankings.

Top Insurance Companies in Arizona
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
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

The example below highlights how deductible choice can influence insurance rates when quoting cheap insurance for veterans. The rates are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.

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A 40-year-old driver could pocket $236 a year by increasing from a $100 deductible to a $500 deductible, or save $358 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old, could shave $602 or even more just by using higher deductibles. When raising deductibles, it will be important to have additional funds squirreled away to allow you to cover the extra out-of-pocket expense associated with higher deductibles.

Who has the cheapest insurance quotes for veterans?

Drivers have many ways to quote and buy insurance in Arizona, but the most prevalent methods are from an independent agent, an exclusive agency such as State Farm or Liberty Mutual, or direct either online or via phone. You can use whichever you prefer, but buyers need to know the differences in how they provide rate quotes.

Independent agents have contracts with many companies and can provide price quotes from every one. They will compare multiple rates, which may give you the best chance of finding a lower price. If cheaper coverage is found, they simply move your policy to a different company without you having to go to a different agency.

Exclusive agencies are able to place business with one company like an Auto-Owners or State Farm agent. These guys and gals cannot quote prices from more than just one company, which requires you to shop around.

Direct insurance buyers bypass an agent and instead buy from a direct company like Progressive or Esurance. Buying direct is good for people who have little risk and have knowledge of what coverages, limits, and deductibles they need.

Which way is best for finding cheap auto insurance for veterans in Arizona? The quick answer would be shopping direct saves money because there is no agent taking a commission, but that is generally not the case. It would also be easy to say going through an independent agent guarantees the cheapest rates since there are more companies to choose from, but that’s not always true, either. And occasionally, the exclusive agents may have very competitive prices that cannot be met by either independent or direct companies.

Since insurance prices are based on many different factors, the guaranteed way to ensure the lowest rates is to compare lots of quotes. If you want to save money, get prices from all three types to have the best rate selection. For a list of insurance companies with low rates, click here to view.

How to get cheap auto insurance for veterans in Arizona

Below you’ll find some money-saving solutions that can help Arizona drivers get more affordable car insurance.

  • Buying home and auto together can help save money
  • Try to pay small claims out-of-pocket
  • You will pay more if you get tickets or have at-fault accidents
  • Raise deductibles
  • At-fault accidents can raise rates significantly
  • Pay lower rates with good credit
  • Comparison shop frequently

That last tip is certainly significant, as was emphasized in the article above. Prices change a lot, so don’t be tentative to buy a policy from a new company if you find a better deal.

Staying with the same company for years is fine, but it’s not a great idea if that faithfulness ends up costing you a small fortune year after year. In just a couple of minutes you could compare rates to find cheaper car insurance for veterans.