Cheap Auto Insurance for State Employees in Arizona

Deciphering which company offers the best insurance rates for state employees requires a bit more work than just getting one or two price quotes. Each company has their own guidelines to set premium rates, so let’s take a look at the overall cheapest insurance companies in Arizona.

It’s important that readers know that Arizona insurance rates are influenced by many factors which can significantly increase or decrease the price you pay for coverage. Getting older, having a claim, or getting a ticket for careless driving may generate price changes that can make some companies cheaper than competitors.

Best Auto Insurance Prices in Arizona

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The Hartford may have some of the best car insurance rates in Arizona at around $836 a year. Auto-Owners, Safeco, Travelers, and USAA also rank well as some of the best Arizona auto insurance companies.

As shown above, if you are a policyholder with USAA and switched to Auto-Owners, you might achieve an annual premium reduction of in the neighborhood of $209. Insureds with GEICO may save as much as $216 a year, and Progressive customers might realize rate reductions of up to $237 a year.

Remember that these estimates are averages for all insureds and vehicles and do not factor in a rate decrease for state employees. So the insurer that can offer you the best rate may not even be included in the above rate chart. That point stresses why you need to compare prices as often as possible using your own driver data and vehicle information.

When shopping for auto insurance for state workers, one of the many things that helps auto insurance companies calculate the amount you pay for auto insurance is where your car is garaged. Larger areas like Phoenix, San Tan Valley, and Gilbert tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents can boast about having cheaper rates.

The information below lists the more expensive cities in Arizona for state employees in which to purchase auto insurance.

Table data uses comparative as specific Arizona garaging address can change coverage rates greatly.

The make and model of vehicle you are buying coverage for is probably the largest consideration that determines the availablility of the lowest-priced coverage for state employees. Vehicles with more horsepower, poor safety features, or a high likelihood of having liability claims will cost more to insure than more economical and safe models.

The next list shows coverage costs for some of the most economical automobiles to insure in Arizona.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can raise or lower premium rates significantly.

Based on these rates, you can figure that makes and models like the Hyundai Elantra, Ford Escape, Dodge Grand Caravan, and Honda Accord are most likely to be a few of the most affordable vehicles to insure for state workers.

Discounts on Arizona auto insurance

Insurers that offer cheap auto insurance for state employees in Arizona may also provide special discounts that could reduce prices by 35% or more if you can meet the requirements. A list of insurance companies and some of the premium reductions they offer are detailed below.

The information below shows the comparison of insurance costs with and without discounts. The rate quotes are based on a female driver, no accidents, no driving violations, Arizona state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with homeowner, marriage, vehicle safety, claim-free, multiple vehicle, and passive restraint discounts applied. When taking advantage of discounts, the the average yearly reduction on insurance for state employees is 16% or $212.

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The information below demonstrates how choosing different deductibles can influence annual premium costs when trying to find cheap insurance for state employees. The information is based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

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As shown above, a 50-year-old driver could save $286 a year by switching from a $100 deductible up to a $500 deductible, or save $430 by changing to a $1,000 deductible. Even younger insureds, like the Age 20 category, could possibly save as much as $724 or more just by using higher deductibles. If you do make the decision to raise your deductibles, it will now be necessary to have enough savings to cover the extra out-of-pocket expense that is associated with using high deductibles.

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

When shopping for auto insurance for state workers in Arizona, the most popular companies are Progressive, State Farm, Geico, and Allstate. The data below illustrates pricing and service ratings, plus some optional coverages that you can purchase from each one.