Cheapest Insurance for 4×4 Vehicles in Arizona

Whenever people write about auto insurance, the words “affordable” or “cheap” should never be used anywhere in the article as a descriptor for auto insurance rates. It’s just reality that cheap auto insurance for 4×4 vehicles does not exist. But don’t despair, because we are going to show you how you can find car insurance that you can fit into your budget.

Figuring out which company offers the lowest-priced insurance rates for 4×4 vehicles will require a tad more effort than just picking a company at random.

Each auto insurance company uses their own method to determine premium rates, so let’s look at the rankings for the insurance companies with the overall cheapest rates in Arizona. It’s important to understand that Arizona insurance rates are determined by lots of factors which can significantly increase or decrease the policy price. Improving your credit rating, becoming a homeowner, or getting caught speeding may prompt premium changes resulting in some companies being more affordable than competitors.

Best Cheap Insurance Rates for 4×4’s

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The Hartford quotes some of the most affordable car insurance rates in Arizona at around $811 each year. Safeco, Auto-Owners, Travelers, and USAA would also be considered some of the most economical Arizona car insurance companies.

In this example, if you currently buy coverage from Travelers and switched to Safeco, you may see savings of about $179. Drivers with USAA could save as much as $195 a year, and GEICO customers might reduce rates by $235 a year.

To find out how much you can save, click here to start your free quote or click through to the companies below.

Be aware that those policy rates are averages across all ages of drivers and types of vehicles and do not take into consideration a rate decrease for 4×4 vehicles. So the company that fits your age and vehicle best may not even be in the rate chart shown above. That helps illustrate why you need to get rate quotes using your own specific driver and vehicle information.

For Arizona drivers, one of the criteria that is used to calculate a rate quote is where you call home in Arizona. Larger areas like Phoenix, Avondale, and Gilbert are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims generally have lower rates.

The table below rates the highest-priced areas in Arizona for 4×4 vehicles to buy an auto insurance policy in.

Table data uses approximated as the specific Arizona residence address can influence premium rates considerably.

The safety and performance level of the vehicle driven is probably the biggest factor when trying to find affordable coverage for 4×4 vehicles. Vehicles with high performance features, a lack of advanced safety features, or a high likelihood of having liability claims will cost much more to insure than more modest models.

The lists below outlines insurance rates for some of the cheaper vehicles to insure.

Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Table data does not factor in specific location which can revise premiums substantially.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Price estimates do not factor in specific garaging location which can influence insurance rates substantially.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Prices do not factor in zip code location which can revise auto insurance rates noticeably.

Discounts on the cheapest insurance for 4×4 vehicles in Arizona

Insurance providers that sell policies for 4×4 vehicles may have special discounts that may potentially lower prices by as much as 25% or more if you qualify for them. Companies and some of the discounts can be read below.

The chart below visualizes the comparison of insurance costs with and without some available policy discounts. The price estimates are based on a female driver, no accidents, no driving violations, Arizona state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with vehicle safety, safe-driver, passive restraint, accident-free, homeowner, and anti-theft discounts applied. When drivers take advantage of discounts, the the average amount saved on insurance for 4×4 vehicles is % or $.

What is the best insurance company in Arizona?

Insuring your vehicle with the highest-rated insurer can be difficult considering how many different companies insure vehicles in Arizona. The ranking data below can help you select which coverage providers to look at purchasing coverage from.

These ratings only include large nationwide companies, so companies that focus mainly on Arizona business are not included in these rankings. To view rates from many more Arizona auto insurance companies, simply click here.

Top 10 Major Auto Insurance Companies Overall in Arizona

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Titan Insurance
9. Progressive
10. Mercury Insurance

Top 10 Major Auto Insurance Companies in Arizona Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. Titan Insurance
5. The General
6. State Farm
7. AAA Insurance
8. Mercury Insurance
9. Nationwide
10. Allstate

Is Allstate, Geico, Progressive, or State Farm cheaper?

When buying car insurance, the four most popular companies are Allstate, Geico, Progressive, and State Farm. The table below ranks some of the different options that you can purchase from each one.