Cheap Car Insurance for Active Military in Arizona

Cheap Car Insurance for Active Military in Arizona

It’s hard to miss the captivating ads from companies like Nationwide, State Farm, and GEICO promising the cheapest rates. So drivers just need to pick the one with the catchiest commercial, right?

Unfortunately, it’s just not that easy, as there are a whole slew of unknown aspects such as whether you are female or male, your age, whether you have good credit, and whether or not you own a home, that all have an effect on the price. The content below covers the things that influence insurance rates and educate you enough to have some help in finding cheaper rates.

For Arizona drivers, one of the things that auto insurance companies use to determine the annual cost of car insurance is where you normally keep your vehicle. More densely populated places like Phoenix, Avondale, and Scottsdale tend to have higher rates, whereas cities that are not as densely populated benefit from having to pay less for coverage.

The illustration below illustrates the higher priced cities in Arizona for active military in which to purchase auto insurance.

Most expensive Arizona cities for auto insurance
Rank City Annual Rate
1 Phoenix $1,231
2 Glendale $1,214
3 Avondale $1,210
4 San Tan Valley $1,185
5 Scottsdale $1,151
6 Mesa $1,147
7 Tempe $1,140
8 Peoria $1,126
9 Buckeye $1,122
10 Gilbert $1,120
11 Chandler $1,115
12 Surprise $1,090
13 Goodyear $1,087
14 Casas Adobes $1,082
15 Catalina Foothills $1,082
16 Maricopa $1,074
17 Tucson $1,061
18 Casa Grande $1,057
19 Oro Valley $1,031
20 Yuma $983
Start a Quote Go

Rates are comparative as specific Arizona zip code can impact coverage rates noticeably.

Finding out which companies have the cheapest car insurance rates for active military may require a bit more work than just getting one or two price quotes. Each auto insurance company has their own unique process for determining rates, so to begin we’ll rank the most competitive car insurance companies in Arizona.

Best Auto Insurance Prices for Military

Compare Rates and Save

Arizona auto insurance company rankings
Rank Company Cost Per Year
1 The Hartford $836
2 Auto-Owners $897
3 Safeco $932
4 USAA $1,113
5 Travelers $1,119
6 GEICO $1,142
7 Progressive $1,152
8 Ameriprise Group $1,172
9 CSAA $1,189
10 Allied $1,197
11 Farm Bureau Mutual $1,297
12 Unitrin $1,317
13 Safe Auto $1,336
14 Farmers $1,350
15 State Farm $1,364
16 American Family $1,420
17 Amica $1,443
18 Titan $1,461
19 MetLife $1,521
20 California Casualty $1,522
View More Rates Go

The Hartford offers some of the cheapest car insurance rates in Arizona at around $836 each year. Auto-Owners, Safeco, USAA, and Travelers also make the cut as some of the best Arizona insurance companies.

As illustrated above, if you have coverage with USAA and switched to The Hartford, you may realize a yearly savings of approxmiately $277. Insureds with Travelers might save as much as $283 a year, and GEICO insureds might realize rate reductions of up to $306 a year.

Remember that these policy prices are averages for all drivers and vehicles in Arizona and and are not figured with a price decrease for active military. So the company that fits your situation best may not even be in the chart above. That illustrates why you need to compare rates from multiple companies using your own individual information.

Discounts on cheap auto insurance for active military in Arizona

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/auto-insurance-active-military-az.jpg" alt="Cheaper Arizona car insurance for military personnel”/>Car insurance companies that offer coverage for active military may also provide rate discounts that can reduce rates by 35% or more if you meet specific criteria. Popular car insurance companies and the discounts they provide are included below.

  • GEICO offers discounts including seat belt use, air bags, driver training, federal employee, multi-policy, anti-lock brakes, and membership and employees.
  • Travelers may offer discounts for student away at school, continuous insurance, home ownership, driver training, and new car.
  • Farm Bureau includes discounts for renewal discount, safe driver, youthful driver, driver training, and multi-policy.
  • Liberty Mutual offers premium reductions for exclusive group savings, new vehicle discount, hybrid vehicle, new move discount, good student, and newly retired.
  • American Family offers discounts for mySafetyValet, early bird, defensive driver, multi-vehicle, TimeAway discount, air bags, and Steer into Savings.
  • Progressive may include discounts for good student, multi-policy, multi-vehicle, online signing, online quote discount, and continuous coverage.

The chart below shows the comparison of annual premium costs with and without some available policy discounts. The premium estimates are based on a female driver, no claims or driving citations, Arizona state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with marriage, vehicle safety, accident-free, multiple vehicle, claim-free, and passive restraint discounts applied. When drivers take advantage of discounts, the average savings per year on car insurance for active military is 28% or $449.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2405,1725],[‘Age 30’, 1609,1161],[‘Age 40’, 1507,1087],[‘Age 50’, 1317,951],[‘Age 60’, 1277,923],[‘Age 70’, 1515,1089]]);var options = {title: ‘Insurance Premium Comparison for Active Military’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Arizona’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Violations and accidents raise rates

The common sense way to snag the most affordable car insurance prices in Arizona for military personnel is to be a good driver and avoid accidents and traffic violations. The example below illustrates how violations and fender-benders can influence auto insurance rates for different age groups. Data assumes a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 2327,2523,4245],[‘Age 30’, 1227,1423,3141],[‘Age 40’, 1179,1379,3099],[‘Age 50’, 1079,1277,3001],[‘Age 60’, 1061,1257,2979],[‘Age 70’, 1221,1421,3141]]);var options = {title: ‘Accidents, Violations, and Arizona Car Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Arizona’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The chart shows that the average cost of auto insurance in Arizona per year with no accidents and a clean driving record is $1,349. Receive one speeding ticket and the average cost hikes up to $1,547, an increase of $198 each year. Now add in two accidents along with the one speeding ticket and the 12-month cost of car insurance for active military increases to an average of $3,268. That’s an increase of $1,919, or $160 per month, just for not being more responsible behind the wheel!

How to find cheap auto insurance for active military in Arizona

The list below summarizes some money-saving ideas that can help you get more affordable coverage.

  • Raise physical damage deductibles
  • Safer vehicles generally have cheaper insurance rates
  • Drop full coverage on older vehicles
  • Drivers with good credit ratings often pay less
  • Drive attentively and avoid accidents
  • Avoid getting citations and tickets
  • Shop around once a year for cheaper rates

The last tip is certainly necessary, as we discussed in the prior information. Prices charged by companies can change considerably in a year, so don’t be tentative to switch to a new company if you can save money.

Sticking with a specific company is fine, but it’s not a great idea if that faithfulness ends up costing you thousands of dollars over several years. Now is a great time to compare rates and find cheaper car insurance for active military.