Cheap Auto Insurance for Infrequent Drivers in Arizona

When buying insurance for low mileage drivers, one of the key things that influence car insurance rates is where you live in Arizona. Areas with more people or more claims like Glendale, Avondale, and Mesa tend to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper auto insurance prices.

The illustration below illustrates the most expensive cities in Arizona for infrequent drivers in which to buy car insurance.

Annual rates are estimated as the vehicle garaging location can increase or decrease rates greatly.

Figuring out which companies offer the most affordable auto insurance rates for infrequent drivers may require a bit more work than just picking a company at random. Every auto insurer has their own unique process to determine premium rates, so let’s examine the auto insurance companies that tend to be cheaper in Arizona.

Keep in mind that Arizona auto insurance rates are impacted by many factors which can significantly increase or decrease the cost of a policy. Simply having a birthday, getting married, or getting a driving violation can trigger price changes that may make certain companies cheaper than before.

Find the Cheapest Car Insurance in Arizona

Compare Rates Today

The Hartford quotes some of the lowest car insurance rates in Arizona at around $811 a year. Safeco, Auto-Owners, Travelers, and USAA also qualify as some of the more affordable Arizona insurance companies.

As the rates illustrate above, if you buy coverage from Travelers and switched to The Hartford, you might see a yearly savings of upwards of $275. Policyholders with USAA might save as much as $302 a year, and Progressive policyholders might realize rate reductions of up to $307 a year.

It’s important to note that these policy rates are averaged for all ages of drivers and types of vehicles and do not take into consideration a rate decrease for infrequent drivers. So the company that is most affordable for your situation may not even be included in the rate chart shown above. That helps illustrate why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

Get discounts on Arizona auto insurance rates

Insurers that sell cheap car insurance for infrequent drivers in Arizona may also provide special discounts that could potentially reduce rates by 40% or more if you can meet the requirements. A few popular companies and some of the discounts can be found below.

• American Family may have discounts that include defensive driver, TimeAway discount, Steer into Savings, early bird, good student, and bundled insurance.
• Nationwide includes discounts for anti-theft, defensive driving, Farm Bureau membership, multi-policy, accident-free, and family plan.
• MetLife may offer discounts for good driver, defensive driver, good student, claim-free, multi-policy, and accident-free.
• 21st Century has savings for good student, 55 and older, driver training, teen driver, early bird, and theft prevention.
• Farmers Insurance offers discounts for alternative fuel, teen driver, distant student, pay in full, switch companies, and business and professional.
• Allstate discounts include FullPay discount, eSmart discount, anti-lock brakes, safe driver, multi-policy, utility vehicle, and premier plus.

The diagram below illustrates the comparison of car insurance rates with and without policy discounts. The rate quotes are based on a male driver, no claims, a clean driving record, Arizona state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with safe-driver, defensive driving course, accident-free, multiple policy, anti-theft, and homeowner discounts applied. When discounts are factored in, the average amount saved each year on auto insurance for infrequent drivers is 28% or $528.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3235,2323],[‘Age 30’, 1675,1211],[‘Age 40’, 1651,1191],[‘Age 50’, 1505,1087],[‘Age 60’, 1461,1053],[‘Age 70’, 1805,1297]]);var options = {title: ‘Effect of Discounts on Insurance Price for Infrequent Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],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);}

How accidents and tickets impact rates

In a perfect world, the ideal way to snag good auto insurance rates in Arizona for low mileage drivers is to be a good driver and not get tickets or have accidents. The illustration below shows how speeding tickets and at-fault accidents impact auto insurance rates for each age group. The premiums are based on a married female driver, full coverage, $100 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’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2527,3283,4057],[‘Age 30’, 1767,2523,3297],[‘Age 40’, 1751,2507,3277],[‘Age 50’, 1531,2289,3065],[‘Age 60’, 1459,2215,2989],[‘Age 70’, 1583,2337,3113]]);var options = {title: ‘Impact of Tickets and Accidents on Arizona Car Insurance Prices’,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);}

In the previous example, the average cost of a car insurance policy in Arizona per year with no accidents or violations is $1,770. Add in two speeding tickets and the average cost swells to $2,526, an increase of $756 each year. Now add in one accident along with the two speeding tickets and the yearly cost of auto insurance for infrequent drivers goes up to an average of $3,300. That’s an increase of $1,530, or $128 per month, just for not driving responsibly!