Cheap Car Insurance for Uninsured Drivers in Arizona

The type of vehicle you are buying coverage for is a large factor when comparing cheap auto insurance for uninsured drivers in Arizona. Vehicles with high performance engines, poor safety ratings, or an increased likelihood of liability claims will cost quite a bit more to insure than safer, lower-performance models. The next table shows car insurance premiums for some of the cheapest automobiles to buy coverage for.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in garaging location in Arizona which can alter insurance rates noticeably.

Looking at the data, you can infer that cars like the Jeep Wrangler, Chevrolet Traverse, Honda Accord, and Ford Escape should be the most affordable vehicles to insure for drivers with no prior coverage.

When shopping for cheaper insurance for drivers with no prior coverage, one of the many components that insurance companies take into consideration when calculating the amount you pay each year for auto insurance is where you call home in Arizona. Areas with high crime rates or more dense population like Phoenix, Avondale, and Tempe are more likely to pay higher prices, whereas areas with less congestion tend to receive cheaper rates.

The following table ranks the most costly cities in Arizona for uninsured drivers in which to buy car insurance.

Prices are approximated as zip code location can change price quotes substantially.

Comparing quotes for cost effective insurance is not easy, and deciding which companies have the lowest-priced auto insurance rates for uninsured drivers will involve a bit more work. Each insurance company uses a little different formula for determining rates in each state, so let’s take a look at the auto insurance companies with the overall cheapest rates in Arizona.

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The Hartford offers some of the most affordable car insurance rates in Arizona at around $811 each year. Safeco, Auto-Owners, Travelers, and Progressive also qualify as some of the cheapest Arizona auto insurance companies.

As shown above, if you currently buy coverage from Travelers and switched to The Hartford, you may see a yearly price reduction of approxmiately $264. Arizona drivers with Progressive might save as much as $307 a year, and USAA customers might cut rates by $313 a year.

To find cheap auto insurance for uninsured drivers in Arizona, click here to start your free quote or feel free to get quotes from the companies below.

It’s important to note that these premiums are averaged for all types of drivers and the different vehicles they drive and are not factoring in a rate discount for uninsured drivers. So the car insurance company that has the cheapest rates for you may not even be featured in the above list. That emphasizes why you need to compare rates from multiple companies using your own driver and vehicle profiles.

Progressive, Allstate, Geico, or State Farm: Who is best?

When shopping for car insurance for drivers with no prior coverage in Arizona, four of the larger companies to compare rates for are Progressive, Allstate, Geico, and State Farm. They all offer a distinct set of features and optional coverages that policyholders can choose from. The following table points out ratings for price, service, and claims, in additional to some of the optional coverages that are available from each company.