The vehicle driven is a large factor in finding the most economical coverage for low mileage drivers. Vehicles with lower performance, a great safety record, or a track record of few liability claims will cost substantially less to insure than adrenaline junky models. The next table presents car insurance premiums for a handful of the most budget-friendly automobiles to insure in Arizona.
|Make and Model||Estimated Cost for Full Coverage|
|Volkswagen Jetta S 2.5 Station Wagon||$1,389|
|Hyundai Elantra SE Touring Station Wagon||$1,395|
|Honda Accord EX-L 4-Dr Sedan||$1,389|
|Dodge Grand Caravan SE||$1,440|
|Ford F-150 XLT Regular Cab 4WD||$1,448|
|Honda CR-V EX-L 4WD||$1,499|
|Chevrolet Malibu Hybrid||$1,517|
|Toyota RAV4 Sport 4WD||$1,523|
|Jeep Wrangler Sport 4WD 2-Dr||$1,528|
|Ford Explorer Eddie Bauer AWD||$1,548|
|Ford Escape Limited 2WD||$1,615|
|Jeep Grand Cherokee Limited 4WD||$1,628|
|Toyota Camry LE||$1,741|
|Chevrolet Equinox LS 2WD||$1,749|
|GMC Sierra SLE Crew Cab 2WD||$1,741|
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate information does not factor in specific location information which can influence prices significantly.
By looking at the data, we can tell that cars like the Volkswagen Jetta, Hyundai Elantra, Honda Accord, and Dodge Grand Caravan should be some of the most economical vehicles to insure for infrequent drivers.
For infrequent drivers, one of the more important criteria that are used to help calculate car insurance rates is where you choose to live in Scottsdale. Areas with more people or even just a higher incidence of claims tend to pay more, whereas areas with lower vehicle theft rates and fewer weather claims tend to receive slightly lower rates.
The illustration below rates the highest-priced places in Arizona for low mileage drivers to purchase auto insurance in. Scottsdale makes the list at #10 with the annual price of $1,117 for the average insured, which is around $93 per month.
|Rank||City||Average Per Year|
|4||San Tan Valley||$1,150|
|25||Lake Havasu City||$844|
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Information shown are approximated as specific Scottsdale garaging address can decrease or increase rates noticeably.
Insurance rate increases from tickets or accidents
A great way to enjoy low car insurance prices in Scottsdale for infrequent drivers is to be a safe driver and avoid accidents and traffic violations. The information below shows how violations and at-fault accidents can increase car insurance rates for different ages of insureds. The premiums assume a single male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.
In the previous chart, the average cost of a car insurance policy in Scottsdale per year with no accidents and a clean driving record is $1,366. Receive two speeding tickets and the average cost increases to $1,801, an increase of $435 each year. Now add in one accident along with the two speeding tickets and the yearly cost of car insurance for low mileage drivers goes up to an average of $2,243. That’s an increase of $877, or $73 per month, just for not driving carefully!
Get discount Scottsdale car insurance
Auto insurance companies that provide policies for low mileage drivers may provide policy discounts that can lower rates by as much as 30% if you are eligible. A few popular companies and some of the premium reductions they offer can be read below.
- Farm Bureau may include discounts for youthful driver, good student, driver training, 55 and retired, and multi-vehicle.
- State Farm may offer discounts for Drive Safe & Save, multiple autos, accident-free, student away at school, and passive restraint.
- Progressive has savings for good student, continuous coverage, online signing, online quote discount, homeowner, multi-policy, and multi-vehicle.
- Allstate has discounts for premier discount, 55 and retired, auto/life discount, utility vehicle, teenSMART discount, senior citizen, and new car.
- Nationwide may have discounts that include multi-policy, business or organization, family plan, accident-free, anti-theft, easy pay, and good student.
- MetLife includes discounts for good student, defensive driver, multi-policy, good driver, claim-free, and accident-free.
The information below shows the difference between car insurance rates with and without discounts applied to the rates. The price estimates are based on a female driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with homeowner, safe-driver, multiple policy, defensive driving course, accident-free, and anti-theft discounts applied. When these discounts are applied, theaverage amount saved on car insurance for low mileage drivers is 28% or $556.
The information below shows how different deductible levels can affect insurance costs when trying to find cheap insurance for low mileage drivers. The data is based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.
A 30-year-old driver could lower their policy premium by $368 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $554 by switching to a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could possibly save $824 annually by choosing larger deductibles on their policy. When choosing a higher deductible, it will be important to have emergency funds available to be able to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
How to find economical car insurance for low mileage drivers
The list below summarizes a few penny-pinching suggestions that can help Scottsdale drivers get lower-cost coverage.
- Save money by bundling your home and auto policies
- Good credit can help you save money
- Buy a safer vehicle
- Avoid accidents
- Do not pay for full coverage on older vehicles
- Compare price quotes at least once a year
That last idea is remarkably significant, as we pointed out in the prior information. Car insurance prices in Scottsdale change a lot, so drivers shouldn’t hesitate to change insurance companies if a more affordable price is available.
Many consumers stick with the same company and that’s fine, but it’s not recommended if that loyalty results in overpaying a small fortune. Take a couple minutes and compare rates to find cheaper auto insurance for low mileage drivers.