How Much Does Auto Insurance Cost for High Mileage Drivers in Arizona?

The words “low-priced” and “insurance” really shouldn’t be used together, in particular when searching for the cheapest auto insurance for high mileage drivers. Because it’s so expensive, let’s go over a few of the factors that determine insurance rates, and come up with some ways to shave a little off your next policy.

For high mileage drivers, one of the more important components that is used to calculate auto insurance rates is your address. Areas with high crime rates or more dense population like Phoenix, San Tan Valley, and Mesa tend to pay higher rates, whereas areas with less people or fewer weather incidents tend to receive slightly lower rates.

The table below shows the most costly cities in Arizona for high mileage drivers to purchase a policy in.

Annual rates are estimated as specific location information can impact rates significantly.

The vehicle model to be insured is probably the most important factor that determines whether or not you find cheap insurance for high mileage drivers in Arizona. Vehicles with reasonable performance levels, a plethora of safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than high performance models.

The next tables estimates insurance premiums for a number of the most economical automobiles to insure.

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Table data does not factor in garaging location in Arizona which can lower or raise premiums considerably.

Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rate quotes do not factor in Arizona location which can modify price quotes significantly.

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Prices do not factor in specific location which can lower or raise auto insurance rates greatly.

Types of discounts on Arizona auto insurance rates

Insurance companies that provide cheap insurance for high mileage drivers in Arizona could also offer rate discounts that can reduce rates by 40% or more if you qualify for them. A few of the larger companies and some of the premium reductions they offer can be found below.

The information below shows the comparison of car insurance rates with and without discounts applied to the policy rates. The rates are based on a male driver, no claims or driving citations, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with defensive driving course, anti-theft, homeowner, passive restraint, accident-free, and claim-free discounts applied. When these discounts are applied, the the average yearly reduction on insurance for high mileage drivers is 38% or $379.

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Choosing the right auto insurance company can be difficult considering how many companies provide coverage in Arizona. The company rank data in the lists below can help you decide which car insurance providers you want to consider purchasing from. The rankings below only include the largest auto insurers in America, so smaller regional companies are not taken into consideration for these rankings.