Best Cheap Car Insurance for Hybrid Vehicles in Arizona

Finding out which company offers the lowest-priced auto insurance rates for hybrid vehicles requires more work in order to find coverage that fits your buget. Every insurance provider uses their own method for establishing rates, so let’s look at the rankings for the auto insurance companies that tend to have lower prices in Arizona.

It’s important that you understand Arizona auto insurance rates are based on many factors which can substantially change the price you pay for coverage. Simply turning a year older, buying a different home, or getting a reckless driving citation may prompt premium changes resulting in some companies being affordable when they were higher priced.

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The Hartford quotes some of the cheapest car insurance rates in Arizona at around $836 per year. Safeco, Auto-Owners, USAA, and Travelers would also be considered some of the more affordable Arizona car insurance companies.

In the above rates, if you currently have coverage with USAA and switched to Safeco, you might see an annual savings of in the neighborhood of $184. Customers with Travelers may save as much as $223 a year, and Progressive customers might lower prices by $234 a year.

To find the best cheap car insurance for hybrid vehicles in Arizona, click here to begin a quote or visit any of the companies below.

Be aware that those policy rates are averaged for all drivers and vehicles and are not factoring in a price discount for hybrid vehicles. So the auto insurance company that has the cheapest rates for you may not even be shown in the above rate chart. That point stresses why you need to compare prices as often as possible using your own driver and vehicle profiles.

The car, truck, or SUV driven is one of the primary factors that determines whether or not you find the cheapest insurance for hybrid vehicles. Vehicles with higher performance, poor safety ratings, or a high likelihood of having liability claims will cost significantly more to insure than safer, lower-performance models.

The next list outlines auto insurance prices for a number of the most affordable vehicles to insure.

Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Prices do not factor in zip code location which can impact coverage prices substantially.

Looking at the rates, we can expect cars like the Hyundai Elantra, Honda CR-V, Honda Accord, Ford Escape, and Chevrolet Equinox are some of the most economical vehicles to insure for hybrids.

Do you need full coverage?

Finding the best cheap car insurance for hybrid vehicles in Arizona is probably important to most vehicle owners, and one common way to lower the cost of insurance is to not insure for full coverage. The diagram below compares insurance rates with full physical damage coverage compared to only buying liability only. The premiums are based on no claims or driving violations, $500 deductibles, single marital status, and no additional discounts are factored in.

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Averaged for all age groups, physical damage coverage costs an additional $1,919 per year over and above liability coverage. Many drivers will wonder if buying full coverage is a good investment. There is no written rule of when to phase out full coverage, but there is a broad guideline. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

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

When it comes to car insurance for hybrids in Arizona, the most popular companies are Geico, Progressive, State Farm, and Allstate. Between them, they insure almost half of all vehicles in the U.S.. The next table points out some of the different options and features offered by each one.