Who Has Affordable Auto Insurance for Government Employees in Scottsdale?

The words “low-priced” and “auto insurance” really shouldn’t be used together, in particular when comparison shopping for the best car insurance for government employees. Because of the high cost, let’s familiarize you with a few of the things that influence car insurance premiums, and come up with some ideas to shave a little off your next policy.

The type of vehicle requiring coverage is one of the biggest factors that determines if you can find cheap insurance for government employees. Vehicles with lots of speed or power, a lack of modern safety features, or an increased likelihood of liability claims will cost substantially more to insure than safer models.

The information below shows coverage prices for a selection of the most cost-effective vehicles to insure.

Cheapest Vehicles to Insure in Scottsdale, AZ
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape XLS 2WD $1,382
Honda CR-V EX 4WD $1,414
Chevrolet Impala LS $1,603
Ford Focus S 4-Dr Sedan $1,611
Volkswagen Jetta LE 4-Dr Sedan $1,635
Toyota Camry SE $1,720
Jeep Grand Cherokee Limited 4WD $1,750
Kia Optima LX $1,755
Ford Edge SEL 2WD $1,838
Honda Accord EX 2-Dr Coupe $1,841
Nissan Rogue SL AWD $1,851
Chevrolet Silverado LS Regular Cab 4WD $1,859
GMC Sierra 2500HD SLE Regular Cab 2WD $1,870
Nissan Altima 2.5 S 2-Dr Coupe $1,878
Ford Fusion S 4-Dr Sedan $1,873
Toyota RAV4 Limited 4WD $1,881
Toyota Prius $1,883
Dodge Grand Caravan SXT $1,907
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $1,937
Hyundai Elantra Blue 4-Dr Sedan $1,946
Honda Odyssey EX-L $1,971
Toyota Corolla LE $1,980
Chevrolet Equinox LS 2WD $2,006
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Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in the specific area where the vehicle is garaged which can alter rates considerably.

Looking at the data, you can expect makes and models like the Ford Escape, Honda CR-V, Chevrolet Impala, and Ford Focus are likely to be the most affordable vehicles to insure for state and federal workers.

For state and federal workers, one of the more important factors that help determine the annual cost of car insurance is where you keep your car. Areas with a lot of weather claims or more people are more likely to have higher rates, whereas areas that tend to be more rural have the luxury of cheap car insurance rates.

The table below shows the priciest cities in Arizona for government employees to buy an auto insurance policy in. Scottsdale is listed at #10 with an annual premium of $1,117 for coverage, which is about $93 monthly.

How much does auto insurance cost in Scottsdale?
Rank City Average Per Year
1 Phoenix $1,231
2 Glendale $1,190
3 San Tan Valley $1,185
4 Avondale $1,174
5 Mesa $1,159
6 Gilbert $1,142
7 Tempe $1,140
8 Peoria $1,137
9 Goodyear $1,120
10 Scottsdale $1,117
11 Buckeye $1,110
12 Maricopa $1,107
13 Surprise $1,090
14 Chandler $1,082
15 Catalina Foothills $1,072
16 Casas Adobes $1,072
17 Tucson $1,061
18 Casa Grande $1,057
19 Oro Valley $1,051
20 Yuma $983
21 Prescott $942
22 Flagstaff $941
23 Bullhead City $878
24 Sierra Vista $872
25 Lake Havasu City $870
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Premium costs are comparative as the vehicle garaging location can change price quotes noticeably.

Finding reliable, cheap insurance is not always easy, and finding out which company has the cheapest insurance rates for government employees will require even more perseverance.

Every car insurance company has their own process to set their prices, so first we will examine the insurance companies with the overall cheapest rates in Scottsdale.

Compare Cheap Insurance Quotes in Arizona

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Arizona car insurance ranked by cost per year
Rank Company Cost Per Year
1 The Hartford $845
2 Auto-Owners $897
3 Safeco $932
4 USAA $1,080
5 Travelers $1,119
6 Progressive $1,152
7 GEICO $1,166
8 CSAA $1,177
9 Allied $1,197
10 Ameriprise Group $1,220
11 Farm Bureau Mutual $1,247
12 Unitrin $1,317
13 Safe Auto $1,336
14 State Farm $1,377
15 Farmers $1,391
16 Amica $1,473
17 Titan $1,476
18 American Family $1,478
19 California Casualty $1,522
20 MetLife $1,551
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The Hartford offers some of the lowest car insurance rates in Scottsdale at around $845 each year. This is $583 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are also some of the lowest-priced Scottsdale, AZ car insurance companies.

As shown in the table above, if you buy coverage from Safeco and switched to The Hartford, you may see a yearly price reduction of in the neighborhood of $87. Drivers with USAA could save as much as $235 a year, and Travelers policyholders might cut rates by $274 a year.

Be aware that those premium estimates are averages for all drivers and vehicles and are not factoring in an exact zip code location for government employees. So the company that is best for you may not even be in the top 28 companies shown above. That affirms the importance of why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.

Discounts on Scottsdale car insurance

Insurance for state and federal workers in Scottsdale, AZAuto insurance companies that sell policies for government employees could also offer discounts that could lower prices by 40% or more if you meet the requirements. The best insurance companies and their offered discounts include:

The diagram below visualizes the comparison of yearly insurance costs with and without discounts. The costs are based on a male driver, no accidents, no driving violations, Arizona state minimum liability limits, comp and collision included, 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 safe-driver, claim-free, anti-theft, passive restraint, accident-free, and vehicle safety discounts applied. When these discounts are applied to the policy premium, theamount saved on insurance for government employees is 28% or $650.

How to find a good Scottsdale insurance company

Selecting a highly-rated company is difficult considering how many choices there are in Arizona. The company rank data below can help you choose which car insurance providers you want to consider purchasing a policy from. The rankings below are only made up of the largest companies in America, so companies that only write business in Arizona or surrounding areas are not included in the list.

Top 10 Major Auto Insurance Providers in Scottsdale Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. State Farm – 90%
  5. Nationwide – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. The General – 88%
  9. 21st Century – 88%
  10. Liberty Mutual – 88%

Difference between liability only and full coverage rates

Lowering the price of insurance is probably important to most people, and a good way to save on the cost of insurance for government employees is to only buy liability insurance. The chart below illustrates the difference between insurance costs with full physical damage coverage compared to only buying liability only. The data assumes no tickets, no at-fault accidents, $100 deductibles, single status, and no discounts are taken into consideration.

On average, full coverage costs $2,345 per year over and above liability coverage. That is a large expense and it proposes the question if physical damage coverage is worth the money. There is no specific rule to exclude physical damage insurance, but there is a general convention. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.

There are some conditions where dropping full coverage is not a good plan. If you haven’t paid off your loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.

How to find budget-friendly insurance for government employees

Lowering your rates is not difficult, and here are some of the recommended money-saving ideas that can help Scottsdale drivers buy lower-cost auto insurance.

The last tip in the list is extremely significant, as we pointed out in this article. Prices charged by car insurance companies change constantly, so drivers shouldn’t be reluctant to switch carriers if you can save money.

Having a favorite company is fine, but is isn’t recommended if that devotion results in you overpaying money that could be spent on other things. It only takes a couple minutes to compare prices to find cheaper car insurance for government employees in Scottsdale.

If you aren’t clear which coverage you need and would like to have some professional guidance when shopping for the best coverage for government employees, the agents below are a good start to aid you in deciding which auto insurance policy fits you best. To find a Scottsdale insurance agency in your neighborhood, click the link at the bottom.

Scott Holly – State Farm Insurance Agent
4014 N Goldwater Blvd Ste 202Scottsdale, AZ 85251(480) 949-7204

State Farm: Jeremy Mueller
23341 N Pima Rd D139, Scottsdale 8525523341 N Pima Rd D139, AZ 85255(480) 515-5223

Denise Knobbe – State Farm Insurance Agent
10814 N Scottsdale RdScottsdale, AZ 85254(480) 905-1019

Joe Dufek – State Farm Insurance Agent
5425 E Bell Rd #108Scottsdale, AZ 85254(602) 493-5300

View more Scottsdale, AZ insurance agencies