The car, truck, or SUV requiring insurance is a significant factor when comparing quotes for affordable coverage for safe drivers. Vehicles with high performance, poor safety ratings, or an increased likelihood of liability claims will cost substantially more to insure than more modest models. The data below showcases auto insurance prices for some of the cheaper automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $1,389 |
| Honda CR-V EX-L 4WD | $1,421 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,506 |
| Chevrolet Impala LS | $1,613 |
| Toyota Corolla S | $1,731 |
| Chevrolet Silverado LT Extended Cab 2WD | $1,760 |
| Ford Fusion SE 4-Dr Sedan | $1,763 |
| Dodge Grand Caravan SE | $1,784 |
| Honda Odyssey EX | $1,849 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,878 |
| Toyota Camry Hybrid | $1,885 |
| Chevrolet Malibu Hybrid | $1,883 |
| Chevrolet Equinox LT AWD | $1,890 |
| Toyota Prius | $1,894 |
| Ford Explorer XLT AWD | $1,908 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $1,910 |
| Dodge Ram Quad Cab ST 2WD | $1,918 |
| Toyota Tacoma Double Cab 4WD | $1,921 |
| Honda Civic LX 2-Dr Coupe | $2,015 |
| Jeep Grand Cherokee Laredo 4WD | $2,021 |
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Estimates do not factor in vehicle garaging location which can impact rates noticeably.
Based on these rates, you can see that cars like the Ford Escape, Honda CR-V, and Volkswagen Jetta are most likely going to be a few of the cheaper vehicles to insure for good drivers.
Deciphering which insurers offer the cheapest auto insurance rates for safe drivers involves a tad more effort than just picking a company at random. Each auto insurance company uses their own method for determining prices, so let’s rank the most competitive auto insurance companies in Scottsdale, AZ.
It’s a good idea to be aware that Scottsdale, AZ auto insurance rates are impacted by many things which can significantly increase or decrease the price you pay. Improving your credit rating, buying a different vehicle, or getting a DUI can cause premium changes that can now make some companies cheaper than competitors.
Best Car Insurance Prices for Safe Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Safeco | $923 |
| 3 | Auto-Owners | $924 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,124 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,131 |
| 8 | Ameriprise Group | $1,184 |
| 9 | Allied | $1,197 |
| 10 | CSAA | $1,213 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | Safe Auto | $1,323 |
| 13 | State Farm | $1,337 |
| 14 | Unitrin | $1,357 |
| 15 | Farmers | $1,391 |
| 16 | Amica | $1,429 |
| 17 | Titan | $1,433 |
| 18 | American Family | $1,463 |
| 19 | California Casualty | $1,506 |
| 20 | MetLife | $1,551 |
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The Hartford quotes some of the best car insurance rates in Scottsdale at around $836 annually. This is $592 less than the average rate paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA also are some of the most economical Scottsdale, AZ insurance companies.
In this example, if you currently have coverage with Auto-Owners and switched to The Hartford, you could realize a yearly price reduction of approximately $88. Arizona drivers with Travelers could save as much as $250 a year, and USAA customers might reduce rates by $288 a year.
To find the cheapest rates for your vehicle, click here to start a quote or visit any of the companies below.
Bear in mind that those prices are averaged for all types of drivers and the different vehicles they drive and do not take into consideration an exact location for safe drivers. So the company that fits you best may not even be in the top 28 companies in the list above. That is why you need to get car insurance quotes using your own driver and vehicle profiles.
Comparison of full coverage and liability-only policies
Lowering the price of auto insurance is the goal of most people, and a good way to lower the cost of insurance for safe drivers is to buy liability only. The example below shows the comparison of car insurance rates when comparing full coverage to liability only. The data assumes no violations or accidents, $500 deductibles, single marital status, and no other discounts are factored in.
As an average, comprehensive and collision coverage on your policy costs $1,417 per year more than insuring for liability only. Many of you may wonder when is the right time to remove full coverage. There is no set guideline for eliminating comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
There are a few situations where dropping full coverage is not a good plan. If you still have a lienholder on your title, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should keep full coverage in place.
The chart below highlights how deductible choice can raise or lower insurance costs when searching for cheap insurance for safe drivers. The premiums assume a married female driver, full physical damage coverage, and no policy discounts are applied.
In the chart above, a 30-year-old driver could lower rates by $286 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $430 by using a $1,000 deductible. Youthful drivers, like the 20-year-old, could lower their rates up to $606 every year by choosing a higher deductible. When raising deductibles, it is essential to have spare funds to offset the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Types of discounts on Scottsdale auto insurance rates
Auto insurance companies that offer coverage for safe drivers may also provide discounts that may potentially lower prices by as much as 35% if you qualify for them. A few popular companies and some of the premium reductions they offer are detailed below.
- State Farm includes discounts for good student, anti-theft, Drive Safe & Save, Steer Clear safe driver discount, and multiple policy.
- Liberty Mutual offers discounts including newly married, safety features, newly retired, new move discount, and exclusive group savings.
- American Family has savings for defensive driver, multi-vehicle, bundled insurance, accident-free, air bags, early bird, and good student.
- Progressive may offer discounts for good student, homeowner, multi-vehicle, online quote discount, multi-policy, and online signing.
- Farmers Insurance offers premium reductions for pay in full, switch companies, electronic funds transfer, alternative fuel, and mature driver.
- Auto-Owners Insurance policyholders can earn discounts including safe vehicle, group or association, paid in full, good student, multi-policy, and anti-theft.
- SAFECO may have discounts that include teen safe driver, multi-car, anti-lock brakes, bundle discounts, teen safety rewards, anti-theft, and homeowner.
The chart below shows the difference between car insurance rates with and without discounts. The premiums are based on a female driver, no violations or claims, Arizona state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with vehicle safety, multiple policy, accident-free, marriage, homeowner, and anti-theft discounts applied. When taking advantage of discounts, theamount saved on auto insurance for safe drivers is 28% or $455.
Why you should compare rates
Arizona auto insurance rates are based on many factors that can increase the price you have to pay. Turning one year older, having a teen driver, or getting a driving violation may cause policy rate changes that can now make some companies more affordable than others. Not only may things change on your end, but auto insurance companies change their prices multiple times each year to adjust for heavy claims or excess profits. An extended period of higher than normal claims can cause more expensive premiums, while long-term profits may cause cheaper Scottsdale car insurance rates.
The bar chart below shows a variety of companies that have the cheapest car insurance in Scottsdale, AZ for a 30-year-old male driver with a good driving record, no prior claims, and a good credit rating. If we estimate prices based on his personal profile, The Hartford quotes the best car insurance rates in Scottsdale at $1,085 annually. This is $343 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the rest of the cheapest Scottsdale, AZ auto insurance companies.
In this example, we will give the driver in the first example a claim surcharge, poor credit, and a few traffic violations. Since every car insurance company has their own unique process for setting rates, comparing rates could result in a completely different list of cheap Scottsdale auto insurance companies as shown below.
GEICO now has the cheapest auto insurance in Scottsdale, AZ with Ameriprise Group, Allied, Auto-Owners, and CSAA now being in the top five. This illustrates why consumers need to compare rates when trying to get the most budget-friendly auto insurance quotes for safe drivers. Car insurance prices can be determined by many different factors and can increase or decrease at any time, so the cheapest company when you last compared rates may now be one of the more expensive options.