Finding decent, reasonably-priced auto insurance is hard enough, and figuring out which company offers the most affordable auto insurance rates for Lyft drivers will involve even more perseverance. Each insurance company has their own unique process to establish rates, so we’ll take a look at the auto insurance companies with the overall cheapest rates in Scottsdale, AZ.
It’s important that readers know that Scottsdale, AZ auto insurance rates are calculated based on many things that can increase the price of coverage. Price variation is why drivers need to compare many different companies to find the best car insurance quotes for Lyft drivers. Car insurance prices are determined by many factors and can decrease or increase without notice, so the most affordable company when you last compared rates may now not even be in the top five.
Find the Best Cheap Insurance for Your Lyft Vehicle
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Auto-Owners | $897 |
| 3 | Safeco | $923 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,124 |
| 6 | Progressive | $1,152 |
| 7 | GEICO | $1,177 |
| 8 | Ameriprise Group | $1,184 |
| 9 | CSAA | $1,189 |
| 10 | Allied | $1,197 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Safe Auto | $1,284 |
| 13 | Unitrin | $1,303 |
| 14 | State Farm | $1,377 |
| 15 | Farmers | $1,378 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,478 |
| 18 | Amica | $1,487 |
| 19 | MetLife | $1,521 |
| 20 | California Casualty | $1,522 |
| Find Your Rate Go | ||
The Hartford has some of the lowest car insurance rates in Scottsdale at around $836 per year. Auto-Owners, Safeco, Travelers, and USAA would also be considered some of the lowest-priced Scottsdale, AZ insurance companies.
As shown in the table above, if you currently have coverage with USAA and switched to Auto-Owners, you may realize yearly savings of in the neighborhood of $227. Arizona drivers with Progressive might save as much as $255 a year, and GEICO policyholders might reduce rates by $280 a year.
Bear in mind that those policy prices are averages across all insureds and vehicles and are not factoring in an exact location for Lyft drivers. So the company that can offer you the best rate may not even be in the list above. That underscores the importance of why you need to compare rates from as many companies as possible using your own personal information and vehicle type.
One of the more important components that are used to help calculate the annual cost of car insurance is your address. Cities with more crime and/or more people tend to pay slightly more, whereas areas with less crime or weather claims benefit from lower coverage costs.
The table below lists the highest-priced places in Arizona for Lyft drivers to buy car insurance in. Scottsdale is ranked at #5 with a yearly premium of $1,163 for the average insured, which is approximately $97 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Phoenix | $1,218 |
| 2 | Glendale | $1,214 |
| 3 | San Tan Valley | $1,185 |
| 4 | Avondale | $1,174 |
| 5 | Scottsdale | $1,163 |
| 6 | Buckeye | $1,144 |
| 7 | Tempe | $1,140 |
| 8 | Chandler | $1,126 |
| 9 | Mesa | $1,125 |
| 10 | Gilbert | $1,108 |
| 11 | Tucson | $1,094 |
| 12 | Peoria | $1,093 |
| 13 | Surprise | $1,090 |
| 14 | Goodyear | $1,087 |
| 15 | Maricopa | $1,074 |
| 16 | Catalina Foothills | $1,072 |
| 17 | Casas Adobes | $1,072 |
| 18 | Oro Valley | $1,062 |
| 19 | Casa Grande | $1,057 |
| 20 | Yuma | $992 |
| Compare Rates Now Go | ||
Rate quotes are estimated as specific location information can increase or decrease coverage rates considerably.
Selecting a good quality car insurance company can be a challenge considering how many choices there are in Scottsdale. The company rank data displayed below could help you pick which insurers to look at shopping prices with. The ratings below include large, nationwide insurance companies, so smaller companies that only insure vehicles in Arizona are not taken into consideration for the list.
Top 10 Major Auto Insurance Companies Overall in Scottsdale
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
The chart below shows how choosing a deductible can influence insurance prices when getting quotes for cheap insurance for Lyft drivers. The rates are based on a single female driver, full coverage, and no policy discounts are applied.
The data above shows that a 40-year-old driver could pocket $286 a year by switching from a $100 deductible to a $500 deductible, or save $430 by switching to a $1,000 deductible. Young drivers, like the Age 20 category, could lower their rates up to $724 or even more by choosing a higher deductible. If you do raise deductibles, it will be necessary to have enough savings set aside to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Discount Scottsdale car insurance
Insurance providers that offer quotes for Lyft drivers could also offer policy discounts that may potentially lower prices by 35% or more if you qualify for them. Large auto insurance companies and a partial list of their discounts are:
- GEICO offers discounts for anti-theft, daytime running lights, seat belt use, multi-policy, and multi-vehicle.
- SAFECO offers premium reductions for accident prevention training, teen safety rewards, teen safe driver, anti-lock brakes, safe driver, multi-car, and bundle discounts.
- State Farm discounts include student away at school, multiple autos, accident-free, multiple policy, defensive driving training, and driver’s education.
- MetLife may include discounts for multi-policy, good driver, claim-free, accident-free, defensive driver, and good student.
- 21st Century has savings for driver training, early bird, automatic seat belts, homeowners, 55 and older, air bags, and theft prevention.
- Progressive offers discounts including multi-policy, continuous coverage, multi-vehicle, homeowner, online signing, and good student.
The diagram below shows the difference between insurance rates with and without discounts. The premium estimates are based on a female driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with marriage, accident-free, anti-theft, claim-free, multiple policy, and multiple vehicle discounts applied. When these discounts are applied, theaverage amount saved on auto insurance for Lyft drivers is 28% or $413.
Tips for finding budget-friendly insurance for Lyft drivers
It’s not impossible to find cheaper rates, and here are some money-saving suggestions that can help Scottsdale drivers buy cheaper coverage.
- Buy your homeowners policy from the same company as your auto insurance
- Get cheaper liability coverage by choosing a safer vehicle
- Prevent price hikes by avoiding at-fault accidents
- Clean up your credit
- Drop full coverage on older vehicles
- Comparison shop frequently
The last tip in the list is particularly vital, as was emphasized in the prior article. Coverage prices adjust frequently, so don’t be hesitant to switch companies if a lower-cost policy is available. Sticking with a specific company is fine, but is isn’t recommended if it’s costing you potentially thousands of dollars a year. Now is a great time to shop around to find cheaper insurance for Lyft drivers in Scottsdale.
The agencies below can help you determine which auto insurance coverages would be the best in your situation, as some drivers have questions and prefer to have the advice of a professional agent when buying car insurance for Lyft drivers. It can be hard to find the best policy yourself, and using a licensed agent can give satisfaction knowing you have sufficient coverage at claim time. To find a Scottsdale insurance agency near you, click the button below the list.
Colonial General Insurance Co
8475 E Hartford Dr – Scottsdale, AZ 85255 – (480) 991-7889
Farmers Insurance: Colby Neal Agency
9449 N 90th St #110 – Scottsdale, AZ 85258 – (480) 860-0860
Steve Fair – State Farm Insurance Agent
33717 N Scottsdale Rd #101 – Scottsdale, AZ 85266 – (480) 563-2710