The words “cheap” and “insurance” probably shouldn’t be used in the same sentence, specifically when you are trying to find the cheapest auto insurance for state employees. In an attempt to save some money, let’s introduce you to some situations the can have a considerable influence on insurance rates, and come up with some ways to take a little off the next policy you buy.
One of the many things that help determine the amount you pay each year for auto insurance is where you normally keep your vehicle in Scottsdale. Areas with more people or even just a higher incidence of claims tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper auto insurance prices.
The next table ranks the priciest cities in Arizona for state employees in which to buy car insurance. Scottsdale makes the list at #7 with an annual rate of $1,129 for the average policyholder, which is around $94 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Glendale | $1,226 |
| 3 | Avondale | $1,210 |
| 4 | San Tan Valley | $1,150 |
| 5 | Mesa | $1,147 |
| 6 | Buckeye | $1,144 |
| 7 | Scottsdale | $1,129 |
| 8 | Peoria | $1,126 |
| 9 | Gilbert | $1,120 |
| 10 | Tempe | $1,106 |
| 11 | Goodyear | $1,098 |
| 12 | Casa Grande | $1,089 |
| 13 | Chandler | $1,082 |
| 14 | Catalina Foothills | $1,082 |
| 15 | Casas Adobes | $1,082 |
| 16 | Surprise | $1,080 |
| 17 | Maricopa | $1,074 |
| 18 | Tucson | $1,061 |
| 19 | Oro Valley | $1,031 |
| 20 | Yuma | $983 |
| 21 | Flagstaff | $960 |
| 22 | Prescott | $942 |
| 23 | Sierra Vista | $899 |
| 24 | Bullhead City | $869 |
| 25 | Lake Havasu City | $852 |
| Find the Best Rates Go | ||
Table data uses approximated as the vehicle garaging location can raise or lower auto insurance rates considerably.
The car, truck, or SUV you are seeking coverage for is a significant factor when looking for the lowest-priced car insurance for state employees. Vehicles with high performance engines, poor passenger safety features, or high incidents of liability claims will cost much more to insure than safer models. The next list ranks insurance premiums for some of the most budget-friendly vehicles to insure in Arizona.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $1,361 |
| Honda CR-V LX 4WD | $1,554 |
| Chevrolet Impala LT | $1,612 |
| Chevrolet Equinox LT AWD | $1,621 |
| Hyundai Elantra SE 4-Dr Sedan | $1,694 |
| Ford Edge SE 2WD | $1,713 |
| Toyota Corolla XRS | $1,723 |
| Dodge Grand Caravan CV | $1,747 |
| Jeep Wrangler Unlimited Sahara 4WD 4-Dr | $1,750 |
| Honda Civic SI 4-Dr Sedan | $1,779 |
| Ford F-350 XL Crew Cab Turbo Diesel 2WD | $1,787 |
| Ford Focus S 4-Dr Sedan | $1,810 |
| Nissan Rogue SL AWD | $1,816 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,840 |
| Honda Accord EX-L 2-Dr Coupe | $1,850 |
| Volkswagen Jetta S 4-Dr Sedan | $1,845 |
| Toyota Prius | $1,853 |
| Start a Quote Go | |
Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Estimates do not factor in garaging location in Scottsdale, AZ which can influence coverage prices significantly.
Looking at the rates, we can presume that vehicles like the Ford Escape, Honda CR-V, Chevrolet Impala, and Chevrolet Equinox are likely to be some of the less-costly vehicles to insure for state workers.
Figuring out which companies have the lowest-priced car insurance rates for state employees will involve more time in order to find the lowest price quote. Each company uses a little different formula to determine premium rates, so we’ll take a look at the car insurance companies with the most affordable rates in Scottsdale, AZ.
It’s a good idea to know that Scottsdale, AZ car insurance rates are based on many factors that will increase or decrease the cost of a policy. Simply having a birthday, marrying your spouse, or having an at-fault accident can produce rate changes that can cause some rates to be cheaper than before.
Compare Cheap Insurance Quotes in Arizona
The Hartford normally has some of the best car insurance rates in Scottsdale at around $845 a year. This is $583 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA would also be considered some of the best Scottsdale, AZ car insurance companies.
In this example, if you are currently insured with Travelers and switched to Safeco, you might achieve annual savings of upwards of $179. Arizona drivers with USAA could save as much as $184 a year, and GEICO policyholders might lower prices by up to $235 a year.
Be aware that those premiums are averages across all drivers and vehicles and and are not calculated with an exact location for state employees. So the insurer that fits your age and vehicle best may not even be in the top 28 companies shown above. That’s why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.
Best car insurance company in Arizona
Choosing a high-quality auto insurance provider is hard considering how many companies there are in Scottsdale. The ranking information listed below can help you select which providers to look at purchasing coverage from.
The rankings below are only made up of large, nationwide insurance companies, so companies that have a smaller presence are not included in these rankings. If you wish to compare prices and find the cheapest rates for state employees, just click here.
Top 10 Large Auto Insurers in Scottsdale Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
The illustration below illustrates how choosing a deductible can influence insurance prices when getting quotes for cheap insurance for state employees. The price estimates are based on a single female driver, comp and collision included, and no additional discounts are factored in.
A 50-year-old driver could cut expenses by $330 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $500 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old example, have the ability to save $844 each year by choosing a higher deductible.
When using a larger deductible, it will be required to have enough spare savings to enable you to cover the extra out-of-pocket expense that is associated with using high deductibles.
Ideas for finding low-cost insurance for state employees
The list below details some money-saving ideas that can help Scottsdale drivers get lower-cost car insurance.
- Drive a car with a high safety rating
- Pay less by remaining claim-free
- Good credit can help you save money
- Do not get traffic tickets
- At-fault accidents can raise rates significantly
- Compare rates and switch if you can find a better deal
The last tip is particularly important, as was pointed out in this write-up. Coverage prices can be changed at any time, so you should be ready to buy from a different company if a cheaper rate is available.
Many drivers tend to have loyalty to a certain company, but is isn’t recommended if it’s costing you hundreds every year. It takes less than five minutes to compare prices to find cheaper auto insurance for state employees in Scottsdale.
If you wish to get some guidance when trying to find lower insurance rates for state employees, the agents listed below are willing to answer your questions and help you decide which policy is best.
To find a Scottsdale insurance agency nearest to you, click the button at the bottom or click here to compare price quotes.
- Robert Smith – State Farm Insurance Agent
7505 E 6th Ave Ste 204 – Scottsdale, AZ 85251 – (480) 588-6456 - Farmers Insurance – Jim Kreisman
9590 E Ironwood Square Dr #230 – Scottsdale, AZ 85258 – (480) 491-8585 - Scott Knudten – State Farm Insurance Agent
14702 N Frank Lloyd Wright Blvd – Scottsdale, AZ 85260 – (480) 948-8771