Wouldn’t it be great if we could look into our crystal ball and tell you the one perfect company that has the cheapest policy rates for welfare recipients? It’s not that simple, unfortunately, as there are a whole bunch of unknown factors like the amount of liability insurance you need, how far you drive each year, if you own or rent your home, and whether you are male or female, that all impact the cost of your policy. This article will detail the different ways you can keep rates low and will hopefully give you a good start in finding the cheapest car insurance in Arizona.
The vehicle model you are buying coverage for is one of the main factors when shopping around for the most affordable auto insurance for welfare recipients. Vehicles with higher performance, poor safety ratings, or a track record of large liability claims will cost quite a bit more to insure than safer, lower-performance models.
The information below shows coverage premiums for a number of the cheapest vehicles to buy insurance for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $1,389 |
| Honda Accord LX-P 4-Dr Sedan | $1,395 |
| Toyota Prius | $1,538 |
| Hyundai Elantra GLS Touring Station Wagon | $1,592 |
| Toyota RAV4 Limited 4WD | $1,645 |
| Toyota Camry LE | $1,650 |
| Honda Civic VP 4-Dr Sedan | $1,699 |
| Honda CR-V LX 4WD | $1,704 |
| Toyota Corolla S | $1,731 |
| Chevrolet Equinox LTZ AWD | $1,763 |
| Chevrolet Silverado LS Regular Cab 4WD | $1,867 |
| Honda Odyssey LX | $1,873 |
| GMC Sierra Denali Crew Cab 2WD | $1,878 |
| Ford Fusion S 4-Dr Sedan | $1,883 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,908 |
| Ford Explorer Eddie Bauer 4WD | $1,921 |
| Ford F-250 XLT Crew Cab 2WD | $1,964 |
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rates do not factor in specific zip code location which can change rates noticeably.
Looking at the data, you can see that models like the Ford Escape, Honda Accord, and Toyota Prius will definitely be a few of the most budget-friendly vehicles to insure for drivers on welfare.
Buying cheap auto insurance is hard enough, and finding out which company offers the lowest-priced car insurance rates for welfare recipients will involve a little more work.
Every car insurance company has a different formula to establish rates, so we’ll go over the overall cheapest car insurance companies in Scottsdale. It’s important to understand that Arizona car insurance rates are impacted by many factors which can significantly increase or decrease the cost of coverage. Price variation is why it is critical to do a thorough rate comparison to get the most budget-friendly auto insurance quotes for welfare recipients. Rates can be altered by many things and change substantially, so the most economical company three years ago may now be one of the higher cost companies.
Best Cheap Insurance Rates in Arizona
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $820 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $915 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,124 |
| 6 | GEICO | $1,142 |
| 7 | Progressive | $1,164 |
| 8 | Ameriprise Group | $1,184 |
| 9 | CSAA | $1,189 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,297 |
| 12 | Safe Auto | $1,323 |
| 13 | Farmers | $1,337 |
| 14 | Unitrin | $1,357 |
| 15 | State Farm | $1,364 |
| 16 | Titan | $1,461 |
| 17 | American Family | $1,463 |
| 18 | Amica | $1,473 |
| 19 | California Casualty | $1,522 |
| 20 | MetLife | $1,551 |
| Get Personalized Rates Go | ||
The Hartford quotes some of the cheapest car insurance rates in Scottsdale at around $820 annually. Safeco, Auto-Owners, Travelers, and USAA also are some of the cheapest Scottsdale, AZ insurance companies.
As depicted above, if you are a customer of Travelers and switched to The Hartford, you may see yearly savings of roughly $266. Insureds with USAA could save as much as $304 a year, and GEICO policyholders might reduce rates by $322 a year.
To find the cheapest rates for your vehicle, click here to begin a quote or click through to the companies below.
Understand that those prices are averaged for all types of insureds and vehicles and and are not calculated with an exact vehicle garaging location for welfare recipients. So the insurer that can offer you the lowest price may not even be in the top 28 companies shown above. That illustrates why you need to get rate quotes using your own personalized driver profile and vehicle information.
How to get discounts on Scottsdale car insurance
Insurance providers that offer quotes for welfare recipients may have premium discounts that could lower prices by as much as 30% if you qualify for them. A list of companies and some of their more popular discounts are shown below.
- State Farm may include discounts for Steer Clear safe driver discount, anti-theft, student away at school, passive restraint, accident-free, good student, and multiple autos.
- Nationwide has discounts for anti-theft, multi-policy, accident-free, defensive driving, and good student.
- GEICO discounts include emergency military deployment, anti-lock brakes, seat belt use, five-year accident-free, and multi-policy.
- AAA offers premium reductions for pay-in-full, good driver, anti-theft, good student, multi-policy, education and occupation, and AAA membership discount.
- 21st Century policyholders can earn discounts including defensive driver, early bird, homeowners, 55 and older, good student, and anti-lock brakes.
- The Hartford offers discounts including defensive driver, air bag, bundle, vehicle fuel type, good student, anti-theft, and driver training.
The chart below shows the difference between car insurance rates with and without discounts applied to the rates. The rates are based on a female driver, no claims, a clean driving record, Arizona state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with marriage, defensive driving course, multiple vehicle, vehicle safety, accident-free, and safe-driver discounts applied. In this example, the average savings per year on car insurance for welfare recipients is 28% or $449.
Does full coverage make sense?
Paying a lower price for car insurance is important to most drivers, and an effective way to pay lower rates for insurance for welfare recipients is to buy only liability coverage. The diagram below illustrates the difference between insurance rates with full coverage compared to only the Arizona minimum liability coverage. The costs are based on no driving violations, no at-fault accidents, $250 deductibles, drivers are not married, and no discounts are taken into consideration.
If averaged out across all ages, comprehensive and collision coverage on your policy costs an additional $2,107 per year more than carrying just liability coverage. Lot’s of drivers question if buying full coverage is worth the money. There is no clear-cut formula for phasing out full coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
For example, let’s say your vehicle’s claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $5,000 after the deductible is paid. If premium cost is more than $500 annually for physical damage coverage, then it might be time to buy liability only.
The illustration below demonstrates how deductible levels can affect insurance costs when trying to find cheap insurance for welfare recipients. The costs are based on a married female driver, comp and collision included, and no discounts are applied to the premium.
A 30-year-old driver could save $286 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $430 by using a $1,000 deductible. Youthful drivers, like the 20-year-old example, can save as much as $606 every year just by choosing higher deductibles when buying full coverage.
When raising deductibles, it will be necessary to have additional funds squirreled away to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.