Cheapest Insurance for Electric Cars in Arizona

Cheapest Insurance for Electric Cars in Arizona

The words “affordable” and “insurance” probably shouldn’t be used together, in particular when shopping around for the best car insurance for electric cars. Because it’s not cheap, let’s take a look at a few of the factors that determine auto insurance premiums, and come up with some ways to take the bite out of the next policy you buy.

The vehicle model requiring insurance is a large factor when trying to find economical coverage for electric cars. Vehicles with lower acceleration and performance, excellent safety ratings, or a low likelihood of liability claims will cost less to insure than high performance models.

The next list shows auto insurance costs for some of the most budget-friendly vehicles to insure.

Cheapest Auto Insurance Rates for Electric Cars in Arizona
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLT 4WD $725
Hyundai Tucson GLS 2WD $768
Honda CR-V LX 2WD $809
Toyota RAV4 2WD $834
Ford Focus SES 4-Dr Sedan $867
Honda Accord LX 4-Dr Sedan $877
Ford Edge Sport AWD $884
Chevrolet Impala LTZ $890
Hyundai Elantra SE 4-Dr Sedan $884
Kia Forte LX 4-Dr Sedan $899
Toyota Sienna Limited AWD $902
Jeep Grand Cherokee SRT-8 4WD $909
Toyota Highlander SE 4WD $922
Toyota Tacoma 2WD $936
Jeep Wrangler Unlimited Sport 2WD 4-Dr $940
Ford F-150 STX Regular Cab 2WD $942
Chevrolet Malibu LS $956
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Premium amounts do not factor in specific location which can raise or lower coverage prices greatly.

Based on these rates, you can see that cars like the Ford Escape, Hyundai Tucson, Honda CR-V, and Toyota RAV4 are a few of the cheapest vehicles to insure for eco-friendly vehicles.

One of the more important considerations that control car insurance rates is where you keep your vehicle. Cities with more crime and/or more people like Phoenix, Glendale, and Scottsdale will most likely have higher rates, whereas areas with less traffic congestion and claims have the benefit of the cheapest insurance for electric cars in Arizona.

The next table illustrates the priciest cities in Arizona for electric cars to purchase a policy in.

Arizona cities ranked by car insurance cost
Rank City Premium Per Year
1 Phoenix $1,231
2 Avondale $1,222
3 Glendale $1,214
4 San Tan Valley $1,196
5 Scottsdale $1,151
6 Tempe $1,140
7 Goodyear $1,120
8 Gilbert $1,120
9 Mesa $1,113
10 Buckeye $1,110
11 Maricopa $1,107
12 Tucson $1,094
13 Peoria $1,093
14 Chandler $1,093
15 Casa Grande $1,089
16 Surprise $1,058
17 Catalina Foothills $1,050
18 Casas Adobes $1,040
19 Oro Valley $1,031
20 Yuma $983
21 Flagstaff $969
22 Prescott $942
23 Sierra Vista $899
24 Bullhead City $878
25 Lake Havasu City $870
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Rate quotes are estimated as the garaging address in Arizona can change rates substantially.

Determining which company quotes the lowest-priced car insurance rates for electric cars involves more time in order to find the most economical policy. Each insurer has their own unique process to set premium rates, so to begin we’ll rank the lowest cost car insurance companies in Arizona.

Keep in mind that Arizona car insurance rates are impacted by many factors which can significantly increase or decrease the policy price. Simply turning a year older, adding a teenager to your policy, or getting a driving violation can trigger changes in premium that can cause some rates to be cheaper than others.

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Rankings for the cheapest Arizona auto insurance companies
Rank Company Cost Per Year
1 The Hartford $811
2 Auto-Owners $888
3 Safeco $896
4 Travelers $1,108
5 USAA $1,113
6 Progressive $1,152
7 GEICO $1,166
8 Ameriprise Group $1,184
9 CSAA $1,189
10 Allied $1,209
11 Safe Auto $1,284
12 Farm Bureau Mutual $1,285
13 Unitrin $1,303
14 State Farm $1,377
15 Farmers $1,378
16 Titan $1,418
17 American Family $1,420
18 Amica $1,473
19 California Casualty $1,522
20 MetLife $1,551
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The Hartford offers some of the cheapest car insurance rates in Arizona at around $811 per year. Auto-Owners, Safeco, Travelers, and USAA also rank well as some of the best Arizona auto insurance companies.

In the rate table above, if you are a customer of Auto-Owners and switched to The Hartford, you might see yearly savings of approxmiately $77. Drivers with Safeco could save as much as $85 a year, and Travelers customers might realize rate reductions of up to $297 a year.

If you would like to find the cheapest insurance for electric cars in Arizona, click here to start a quote or visit any of the low-priced companies below.

It’s important to note that these prices are averages across all types of insureds and vehicles and and are not calculated with a price decrease for electric cars. So the auto insurance company that fits you best may not even be included in the rate chart shown above. That’s why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.

Best car insurance company in Arizona

Buying coverage from a high-quality insurer is hard considering how many companies there are in Arizona. The company information listed below can help you analyze which companies to look at comparing rates from. These ratings are only comprised of companies who write in the majority of U.S. states, so companies that have a smaller presence will not be included in the list.

Top Ten Car 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
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Data Source: Insure.com Best Car Insurance Companies

How to get the cheapest insurance for electric cars in Arizona

The list below summarizes some of the better penny-pinching suggestions that can help Arizona drivers find cheap coverage.

  • Avoid accidents
  • Violations and traffic tickets increase rates
  • Buy a safer vehicle
  • Clean up your credit rating
  • Pay less by remaining claim-free
  • Compare rates once a year for cheaper prices

That last piece of advice is remarkably important, as was noted in the prior article. Prices charged by companies in Arizona can change significantly in a year, so drivers shouldn’t be resistant to buy from a new company if a more affordable rate is found.

Loyalty to a specific company is fine, but it’s not a good idea if that stubbornness costs you thousands of dollars over several years. Take a few minutes and shop around and find cheaper car insurance for electric cars.