The words “cheap” and “insurance” really don’t belong together, especially when trying to find the cheapest car insurance for drivers with accidents. To save some money, let’s teach you some situations that have an effect on car insurance rates, and see how we can help you lower the price of your next policy.
Finding cost effective insurance is not easy, and finding out which insurers offer the best insurance rates for drivers with accidents will require even more work. Each insurer uses their own calculation for determining rates, so we’ll take a look at the insurance companies that tend to have lower prices in Scottsdale, AZ.
It’s important to know that Scottsdale insurance rates are calculated based on many things that can increase the price of your policy. This price variation is why consumers need to take the time to shop around when trying to find the most budget-friendly insurance quotes for drivers with accidents. Auto insurance prices are influenced by many risk factors and can decrease or increase without notice, so the most economical company when you last compared rates may now not even be in the top five.
Best Car Insurance Prices for Accident Prone Drivers
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,247|
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The Hartford may have some of the lowest car insurance rates in Scottsdale at around $811 a year. Safeco, Auto-Owners, Travelers, and USAA also are some of the most economical Scottsdale, AZ car insurance companies.
In this example, if you currently have a policy with Auto-Owners and switched to The Hartford, you could realize an annual savings of roughly $104. Policyholders with Travelers might save as much as $264 a year, and USAA policyholders might reduce prices by as much as $302 a year.
Understand that those estimates are averaged across all types of insureds and vehicles and and are not figured with a specific location for drivers with accidents. So the car insurance company that has the cheapest rates for you may not even be in the top 28 companies shown above. That helps illustrate why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.
The vehicle model to be insured is probably the most important factor when consumers are trying to find the best insurance for drivers with accidents. Vehicles with average performance, an excellent safety record, or a positive history of liability claims will cost less to insure than adrenaline junky models.
The list below features auto insurance rates for some of the most affordable vehicles to insure in Arizona.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Ford Escape Limited 2WD||$3,398|
|Honda CR-V EX-L 2WD||$3,615|
|Toyota RAV4 Limited 2WD||$3,978|
|Dodge Grand Caravan CV||$4,016|
|Ford F-150 XL Crew Cab 2WD||$4,024|
|Chevrolet Malibu LS||$4,157|
|Toyota Camry LE||$4,166|
|Volkswagen Jetta S 4-Dr Sedan||$4,157|
|Chevrolet Equinox LT AWD||$4,166|
|Honda Odyssey EX W/Rear Entertainment||$4,168|
|Ford Edge SEL 2WD||$4,177|
|Hyundai Elantra SE 4-Dr Sedan||$4,187|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$4,206|
|Ford Explorer Limited 4WD||$4,216|
|Chevrolet Silverado LT Extended Cab 4WD||$4,222|
|Chevrolet Silverado 2500HD LT Crew Cab 4WD||$4,230|
|GMC Sierra 2500HD SLE Regular Cab 4WD||$4,237|
|Toyota Corolla XRS||$4,230|
|Nissan Rogue SL 2WD||$4,302|
|Ford Focus SEL 4-Dr Sedan||$4,334|
|Dodge Ram Quad Cab SLT 2WD||$4,345|
|Chevrolet Impala LTZ||$4,425|
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Prices based on single male driver age 40, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in garaging location in Scottsdale, AZ which can alter coverage rates noticeably.
Looking at the rates, we can presume that cars like the Ford Escape, Honda CR-V, Toyota Prius, and Toyota RAV4 are the more affordable vehicles to insure for drivers with at-fault accidents. Car insurance rates will trend higher just because there is more risk for drivers with accidents, but overall those makes and models will have the least expensive rates that you’ll find.
For drivers with at-fault accidents, one of the largest criteria that are looked at to determine the amount you pay each year for auto insurance is where you normally keep your vehicle. Cities with larger populations tend to pay more, whereas areas with lower crime rates and fewer weather claims profit from lower rates.
The table below ranks the most expensive areas in Arizona for drivers with accidents to buy auto insurance in. Scottsdale is ranked #7 costing $1,129 on average, which is about $94 per month.
|4||San Tan Valley||$1,150|
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Rate information is approximated as the specific geographic location can increase or decrease price quotes significantly.
Get discounts on Scottsdale auto insurance rates
Insurance providers that sell policies for drivers with accidents may also provide policy discounts that could reduce prices by as much as 35% or more if you meet the requirements. Popular insurance companies and a selection of discounts are detailed below.
- State Farm may have discounts that include anti-theft, good driver, driver’s education, multiple autos, and multiple policy.
- GEICO discounts include emergency military deployment, anti-lock brakes, seat belt use, air bags, federal employee, and multi-vehicle.
- Progressive has discounts for continuous coverage, online quote discount, good student, multi-policy, online signing, multi-vehicle, and homeowner.
- 21st Century may offer discounts for automatic seat belts, defensive driver, early bird, anti-lock brakes, and teen driver.
- American Family offers discounts for mySafetyValet, defensive driver, good student, Steer into Savings, and early bird.
- The Hartford includes discounts for driver training, air bag, defensive driver, anti-theft, bundle, good student, and vehicle fuel type.
- AAA policyholders can earn discounts including good driver, anti-theft, pay-in-full, multi-car, good student, and multi-policy.
The example below shows the difference between annual premium costs with and without discounts being applied to the rates. The premiums are based on a male driver, one accident and no traffic tickets, Arizona state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with paid-in-full, marriage, multiple vehicle, homeowner, passive restraint, and vehicle safety discounts applied. When these discounts are applied to the policy premium, the average savings per year on insurance for drivers with accidents is 28% or $864.
The information below shows how choosing a deductible can influence insurance premiums when researching cheap insurance for drivers with accidents. The price estimates are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
As shown above, a 30-year-old driver could lower their policy premium by $332 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $502 by changing to a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could potentially save up to $972 every year by using higher deductibles when buying full coverage.
If you do decide to increase your deductibles, it will be necessary to have enough spare savings to be able to pay the extra out-of-pocket expense that is associated with using high deductibles.
Best insurance in Arizona
Picking the top insurance company can be difficult considering how many choices you have in Scottsdale. The ranking information in the next section could help you decide which car insurance providers you want to consider shopping prices with.
These rankings only include the largest companies in America, so smaller companies are not factored into these rankings. To compare rates from these and other top-rated companies, click here.
Top 10 Major Auto Insurance Providers in Scottsdale Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
- Mercury Insurance
Top 10 Major Auto Insurance Providers in Scottsdale Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Your cheap policy may actually be overpriced
Scottsdale insurance rates are determined by lots of factors which can substantially decrease or increase the price you have to pay for coverage. Simply having another birthday, marrying your spouse, or having a fender bender can trigger rate changes that can now make some companies cheaper in comparison to the competition.
Not only may things change on your end, but insurers modify rates at least once a year as an adjustment for underwriting gains or losses. An extended period of higher than normal claims can result in rate increases, while better underwriting may cause lower-priced Scottsdale car insurance rates.
To help illustrate this point, the chart below shows which company has the cheapest car insurance in Scottsdale, AZ for a 40-year-old female driver with a good driving record, no prior claims, and a good credit rating. If we estimate prices based on her current rating profile, The Hartford quotes the cheapest car insurance rates in Scottsdale at $1,085 each year. This is $343 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers are the remaining cheapest Scottsdale, AZ auto insurance companies.
The chart below compares rates after we give the driver from above a claim, a lower credit rating, and a speeding citation. Due to the fact that every auto insurer has their own unique process to set their prices, comparing prices could result in a slightly different list of the cheapest Scottsdale car insurance companies as shown below.
GEICO now has the best price on car insurance in Scottsdale with Ameriprise Group, CSAA, Allied, and Safeco also having competitive pricing. This illustrates why it is critical to compare rates when trying to get affordable auto insurance quotes for drivers with accidents.
Insurance rates are determined by many things and can increase or decrease at any time, so the cheapest rate two years ago may now be wasting a lot of money.