Finding dependable, cost effective auto insurance is tough enough, and figuring out which insurers offer the lowest-priced insurance rates for good drivers calls for even more work. Each company has their own unique process to set premium rates, so we’ll take a look at the lowest cost insurance companies in Arizona.
It’s important to understand that Scottsdale insurance rates are determined by lots of factors that may substantially change the price of coverage. This price variability is why it is crucial to perform a complete rate comparison to get the lowest auto insurance quotes for good drivers. Prices are influenced by many things and change substantially, so the most affordable company the last time you shopped your coverage around may now be one of the more expensive options.
Find the Best Cheap Insurance for Good Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Safeco | $923 |
| 3 | Auto-Owners | $924 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,108 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,131 |
| 8 | Allied | $1,209 |
| 9 | Ameriprise Group | $1,220 |
| 10 | CSAA | $1,225 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | Unitrin | $1,317 |
| 13 | Safe Auto | $1,336 |
| 14 | State Farm | $1,337 |
| 15 | Farmers | $1,350 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,420 |
| 18 | Amica | $1,487 |
| 19 | MetLife | $1,521 |
| 20 | California Casualty | $1,522 |
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The Hartford offers some of the most affordable car insurance rates in Scottsdale at around $845 per year. This is $583 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers would also make the list of some of the best Scottsdale, AZ auto insurance companies.
In the above example, if you are a customer of USAA and switched to The Hartford, you may see a yearly price reduction of around $235. Insureds with Travelers could save as much as $263 a year, and Progressive policyholders might realize rate reductions of up to $285 a year.
To find the cheapest coverage for you, click here to get a free quote or visit several of the following companies.
Be aware that those policy rates are averaged across all drivers and vehicles and are not factoring in a vehicle location for good drivers. So the car insurance company that has the lowest price for you may not even be in the top 28 companies shown above. That underscores the importance of why you need to get rate quotes using your own personalized driver profile and vehicle information.
One of the more important components that determine the amount you pay for auto insurance is where you choose to live. Areas with increased crime or more people tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper car insurance.
The information below shows the highest-priced places in Arizona for good drivers to buy an auto insurance policy in. Scottsdale ranks #12 with an annual cost of $1,117 on average, which is approximately $93 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Avondale | $1,222 |
| 3 | San Tan Valley | $1,196 |
| 4 | Glendale | $1,190 |
| 5 | Mesa | $1,147 |
| 6 | Gilbert | $1,142 |
| 7 | Goodyear | $1,131 |
| 8 | Peoria | $1,126 |
| 9 | Chandler | $1,126 |
| 10 | Buckeye | $1,122 |
| 11 | Tempe | $1,118 |
| 12 | Scottsdale | $1,117 |
| 13 | Maricopa | $1,107 |
| 14 | Surprise | $1,090 |
| 15 | Catalina Foothills | $1,082 |
| 16 | Casa Grande | $1,079 |
| 17 | Tucson | $1,072 |
| 18 | Casas Adobes | $1,072 |
| 19 | Oro Valley | $1,020 |
| 20 | Flagstaff | $960 |
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Rates are approximated as the specific Scottsdale residence address can revise insurance rates considerably.
The illustration below demonstrates how deductibles can increase or decrease insurance prices when quoting cheap insurance for good drivers. The premium estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
The data above shows that a 50-year-old driver could lower rates by $236 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $358 by switching to a $1,000 deductible. Younger drivers, like the Age 20 chart data, could save up to $602 each year just by choosing higher deductibles.
If you do decide to increase your deductibles, it is essential to have plenty of money set aside to satisfy the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Finding the best car insurance company is hard considering how many companies sell coverage in Scottsdale. The rank data shown below can help you pick which companies you want to consider comparing prices from. The ratings below are only made up of large, nationwide insurance companies, so smaller regional companies will not be included in these rankings.
Top 10 Large Car Insurance Companies Overall in Scottsdale
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Top 10 Large Car Insurance Companies in Scottsdale Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
How to get discounts on Scottsdale car insurance
Car insurance companies that provide policies for good drivers may also offer rate discounts that can reduce rates by as much as 40% or more if you are eligible for them. Larger insurance companies and their offered discounts are outlined below.
- Progressive may offer discounts for multi-vehicle, online signing, online quote discount, multi-policy, continuous coverage, homeowner, and good student.
- MetLife includes discounts for defensive driver, claim-free, multi-policy, good student, and good driver.
- Mercury Insurance may include discounts for multi-car, professional/association, good driver, annual mileage, and good student.
- Nationwide discounts include easy pay, Farm Bureau membership, accident-free, business or organization, and multi-policy.
- GEICO has discounts for five-year accident-free, seat belt use, anti-theft, defensive driver, good student, and air bags.
- AAA offers discounts for pay-in-full, multi-policy, AAA membership discount, multi-car, education and occupation, and good student.
The diagram below shows the comparison of car insurance rates with and without discounts applied to the policy premium. The prices are based on a female driver, no claims or driving violations, 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 shows the rates with accident-free, vehicle safety, marriage, anti-theft, claim-free, and multiple vehicle discounts applied. When these discounts are applied to the policy premium, theamount saved on insurance for good drivers is 27% or $449.
Scottsdale car insurance rates
Scottsdale, AZ insurance rates are impacted by many things that may substantially change the cost of a policy. Simply improving your credit, becoming a homeowner, or getting a reckless driving citation can produce rate changes resulting in some rates now being affordable when they were higher priced.
And not only may your rating factors change, but insurance companies modify pricing without warning to adjust for gains or losses. Significantly higher losses can result in higher priced premiums, while a better loss history can produce lower-cost Scottsdale car insurance rates.
The chart below shows the company with the cheapest car insurance in Scottsdale, AZ for a 40-year-old male driver with no accidents, a clean driving record, and a decent credit rating. When comparing rates based on his current risk factors, The Hartford might offer the best car insurance rates in Scottsdale at $1,085 a year. This is $343 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA round out the rest of the top five cheapest Scottsdale, AZ auto insurance companies.
Now let’s give the driver from the above example a claim or two, a lower credit rating, and a couple of points charged on his driving record. Since each auto insurance company has a proprietary method to set policy rates, comparing rates may now present a substantially altered list of the cheapest Scottsdale car insurance companies as shown below.
GEICO now has the cheapest car insurance in Scottsdale with CSAA, Ameriprise Group, Safeco, and Allied now rounding out the top five. This example shows why consumers need to take the time to shop around when trying to get the best car insurance quotes for good drivers.
Rates are made up of many factors and change dramatically, so the most economical company the last time you checked may now be wasting a lot of money.