The make and model of vehicle that needs insurance is one of the main factors that determines the availability of the most affordable coverage for high risk drivers. Vehicles with reasonable performance levels, good crash test ratings, or a low likelihood of having liability claims will cost significantly less to insure than fast, unsafe models.
The next list illustrates auto insurance premiums for a handful of the most affordable automobiles to insure.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $5,064 |
| Ford Escape XLT 4WD | $5,124 |
| Ford Edge SE 2WD | $5,500 |
| Toyota Prius | $5,514 |
| Dodge Grand Caravan CV | $5,556 |
| Volkswagen Jetta 2.0T Station Wagon | $5,563 |
| Ford Explorer Eddie Bauer 2WD | $5,717 |
| Ford F-150 FX2 Super Cab 2WD | $5,724 |
| Jeep Grand Cherokee Laredo 4WD | $5,821 |
| Toyota Camry LE | $5,831 |
| Toyota Tacoma Double Cab 4WD | $5,876 |
| Chevrolet Malibu LS | $5,995 |
| Chevrolet Equinox LT AWD | $6,004 |
| Toyota RAV4 Sport 2WD | $6,056 |
| Chevrolet Impala LTZ | $6,085 |
| GMC Sierra SLE Crew Cab 2WD | $6,141 |
| Toyota Corolla XRS | $6,150 |
| Hyundai Elantra GLS 4-Dr Sedan | $6,273 |
| Honda Odyssey EX-L W/Navigation | $6,318 |
| Nissan Rogue S 2WD | $6,323 |
| GMC Sierra 2500HD SLE Crew Cab 4WD | $6,334 |
| Ford F-350 Super Cab Harley Edition 2WD | $6,453 |
| Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD | $6,517 |
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Data based on single male driver age 30, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Rate information does not factor in specific garaging location which can influence coverage prices noticeably.
Based upon these rates, cars like the Honda CR-V, Ford Escape, Ford Edge, and Toyota Prius are most likely to be a few of the most budget-friendly vehicles to insure for high risk drivers. Auto insurance rates will be more costly just because there is more exposure for high risk drivers, but generally speaking those particular models will probably have the lowest prices compared to other types of vehicles.
Finding dependable, cheap auto insurance is easier said than done, and deciding which companies quote the cheapest auto insurance rates for high risk drivers involves even more perseverance.
Each auto insurer has their own guidelines to determine premium rates, so let’s begin by taking a look at the auto insurance companies that tend to have lower prices in Scottsdale.
Cheap Insurance Rates for Risky Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Auto-Owners | $915 |
| 3 | Safeco | $932 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,119 |
| 6 | GEICO | $1,142 |
| 7 | Progressive | $1,152 |
| 8 | Allied | $1,197 |
| 9 | Ameriprise Group | $1,220 |
| 10 | CSAA | $1,225 |
| 11 | Farm Bureau Mutual | $1,297 |
| 12 | Safe Auto | $1,297 |
| 13 | Farmers | $1,350 |
| 14 | Unitrin | $1,357 |
| 15 | State Farm | $1,377 |
| 16 | Titan | $1,433 |
| 17 | American Family | $1,435 |
| 18 | Amica | $1,443 |
| 19 | MetLife | $1,551 |
| 20 | California Casualty | $1,552 |
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The Hartford has some of the lowest car insurance rates in Scottsdale at around $836 each year. Auto-Owners, Safeco, USAA, and Travelers also rank well as some of the cheapest Scottsdale, AZ car insurance companies.
As shown in the rates above, if you are a customer of Safeco and switched to The Hartford, you could see annual savings of roughly $96. Customers with USAA may save as much as $244 a year, and Travelers customers might lower prices by $283 a year.
Remember that these policy prices are averages for all drivers and vehicles in Arizona and and are not calculated with a vehicle location for high risk drivers. So the auto insurance company that can offer you the best rate may not even be in the top 28 companies shown above. That underscores the importance of why you need to get car insurance quotes using your own personal information and vehicle type.
One of the many factors that are looked at to help calculate the cost of insurance is where your residence is. Areas with more people or more claims tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims can boast about having cheaper rates.
The illustration below sorts the most expensive cities in Arizona for high risk drivers to purchase car insurance in. Scottsdale shows up at #9 with an annual cost of $1,117 for the average policy, which is around $93 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Phoenix | $1,218 |
| 2 | Glendale | $1,190 |
| 3 | Avondale | $1,186 |
| 4 | San Tan Valley | $1,185 |
| 5 | Mesa | $1,147 |
| 6 | Peoria | $1,126 |
| 7 | Buckeye | $1,122 |
| 8 | Tempe | $1,118 |
| 9 | Scottsdale | $1,117 |
| 10 | Chandler | $1,115 |
| 11 | Gilbert | $1,108 |
| 12 | Goodyear | $1,087 |
| 13 | Surprise | $1,080 |
| 14 | Maricopa | $1,074 |
| 15 | Tucson | $1,072 |
| 16 | Casas Adobes | $1,072 |
| 17 | Casa Grande | $1,047 |
| 18 | Catalina Foothills | $1,040 |
| 19 | Oro Valley | $1,020 |
| 20 | Yuma | $963 |
| 21 | Flagstaff | $931 |
| 22 | Prescott | $924 |
| 23 | Sierra Vista | $890 |
| 24 | Lake Havasu City | $878 |
| 25 | Bullhead City | $869 |
| Compare Rates Now Go | ||
Information shown are estimated as the specific geographic location can lower or raise insurance rates noticeably.
Full coverage or liability only
Finding cheaper auto insurance is important to the majority of drivers, and one way to find cheap insurance for high risk drivers is to not pay for full coverage. The diagram below shows the comparison of insurance rates when comparing full coverage to liability only. The rates are based on no accidents, no driving violations, $500 deductibles, drivers are not married, and no other discounts are factored in.
On average, full coverage on your policy costs $1,551 per year over having just liability coverage. That is a significant amount which raises the question when is it a good idea to stop buying full coverage. There isn’t a written rule for dropping physical damage coverage, but there is a general convention. If the annual cost of having full coverage is more than around 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let’s assume your vehicle’s book value is $11,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $10,000 after paying the physical damage deductible. If premium cost is more than $1,000 a year to have full coverage, then it might be time to consider dropping full coverage.
There are a few situations where eliminating full coverage is not a good idea. If you still owe money on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.
Impact of careless driving on Scottsdale auto insurance rates
One of the best ways to snag good auto insurance premiums in Scottsdale for high risk drivers is to be a safe driver and have a clean driving record. The chart below shows how speeding tickets and at-fault collisions can increase auto insurance rates for each different age category. The price estimates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
In the previous example, the average cost of auto insurance in Arizona per year with a clean driving record and no accidents is $1,633. Get one speeding ticket and the average cost hikes up to $1,849, an increase of $216 each year. Next add two accidents along with the one speeding ticket and the yearly cost of auto insurance for high risk drivers jumps again to an average of $3,667. That’s an increase of $2,035, or $170 per month, just for not driving attentively!
The benefit of shopping around
Scottsdale, AZ auto insurance rates are based on many factors that can increase the cost of your policy. Simply improving your credit, having a teen driver, or getting caught speeding may generate price changes that may make certain companies affordable when they were higher priced. Not only that, but auto insurance companies amend premium rates as needed as an adjustment for underwriting gains or losses. Significantly higher claims can result in high rates, while a profitable period can produce cheaper Scottsdale car insurance rates.
To help illustrate this point, the graph below shows which company has the cheapest car insurance in Scottsdale, AZ for a 45-year-old male driver with a clean driving record, no accidents, and good credit. Based on his personal risk profile, The Hartford may have the best car insurance rates in Scottsdale at $1,118 annually. This is $310 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA also make the list of the best Scottsdale, AZ auto insurance companies.
The next chart shows rates after we give the driver from the first rate comparison an accident claim, bad credit, and a traffic citation. Since each insurance company has their own unique process to set premium rates, comparing insurance quotes may now result in a different ranking of affordable companies as shown below.
GEICO now has the lowest price on auto insurance in Scottsdale with CSAA, Allied, Ameriprise Group, and Safeco completing the list. This example demonstrates why it is so important to spend some time comparing rates when trying to find the most affordable insurance quotes for high risk drivers.
Insurance rates consist of many factors and can change without notice, so the best option six months ago may now be an over-priced policy.
The insurance agencies listed below can provide answers to your questions and help you determine which coverages and limits you need, as some people prefer to have a consultation when trying to find the best insurance rates for high risk drivers. It can be hard to find the best policy yourself, and professional agents can provide satisfaction knowing your coverage gives you sufficient coverage for your assets. To locate a Scottsdale auto insurance agent by location nearest to you, click the button link following the list or click here to compare price quotes now.
- Gary Garrett – State Farm Insurance Agent
15678 N Frank Lloyd Wright Blvd – Scottsdale, AZ 85260 – (480) 314-0314 - Brad Dunlap – State Farm® Insurance Agent
8436 E Shea Blvd c103 – Scottsdale, AZ 85260 – (480) 661-0801 - Diemer Insurance Agency Inc
16050 N 76th St – Scottsdale, AZ 85260 – (480) 264-2854 - Joe Lankau – State Farm Insurance Agent
10458 E Jomax Rd #105 – Scottsdale, AZ 85262 – (480) 585-5003