The words “affordable” and “insurance” really don’t belong together, specifically when you are shopping around for the cheapest car insurance for veterans. Because it’s not cheap, let’s lead off by showing you some of the things that determine insurance prices, and find out if you can reduce the cost of the next policy you buy.
For veterans, one of the more important criteria that help determine the amount you pay for auto insurance is where your residence is in Scottsdale. Larger areas tend to pay slightly more, whereas less populated areas have the luxury of cheap car insurance rates.
The next table rates the most expensive cities in Arizona for veterans to purchase a policy in. Scottsdale shows up at #9 costing $1,117 for the average insurance policy, which is around $93 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Avondale | $1,222 |
| 3 | Glendale | $1,214 |
| 4 | San Tan Valley | $1,161 |
| 5 | Mesa | $1,147 |
| 6 | Buckeye | $1,144 |
| 7 | Goodyear | $1,131 |
| 8 | Gilbert | $1,120 |
| 9 | Scottsdale | $1,117 |
| 10 | Maricopa | $1,107 |
| 11 | Tempe | $1,106 |
| 12 | Tucson | $1,105 |
| 13 | Peoria | $1,104 |
| 14 | Chandler | $1,082 |
| 15 | Catalina Foothills | $1,082 |
| 16 | Surprise | $1,080 |
| 17 | Casa Grande | $1,047 |
| 18 | Casas Adobes | $1,040 |
| 19 | Oro Valley | $1,031 |
| 20 | Yuma | $963 |
| Find the Best Rates Go | ||
Price information shown is comparative as specific Scottsdale garaging address can raise or lower prices greatly.
Finding out which companies offer the lowest-priced auto insurance rates for veterans takes a little more effort than just comparing rates from one or two companies. Each insurance company has a unique formula for determining prices, so we’ll go over the auto insurance companies that tend to have lower prices in Arizona.
It’s important to know that Scottsdale auto insurance rates are impacted by many things that can increase the cost of having a policy. Turning one year older, buying a different home, or getting caught speeding can produce rate changes resulting in some rates now being more affordable than competitors.
Cheap Insurance Rates for Vets
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Auto-Owners | $915 |
| 3 | Safeco | $932 |
| 4 | USAA | $1,091 |
| 5 | Travelers | $1,108 |
| 6 | GEICO | $1,131 |
| 7 | Progressive | $1,164 |
| 8 | CSAA | $1,177 |
| 9 | Allied | $1,197 |
| 10 | Ameriprise Group | $1,208 |
| 11 | Safe Auto | $1,284 |
| 12 | Farm Bureau Mutual | $1,297 |
| 13 | Farmers | $1,350 |
| 14 | Unitrin | $1,357 |
| 15 | State Farm | $1,364 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,420 |
| 18 | Amica | $1,429 |
| 19 | MetLife | $1,505 |
| 20 | California Casualty | $1,522 |
| Find Cheaper Rates Go | ||
The Hartford has some of the lowest car insurance rates in Scottsdale at around $836 per year. This is $592 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers also make the cut as some of the cheapest Scottsdale, AZ insurance companies.
As the example above demonstrates, if you are a customer of Travelers and switched to Auto-Owners, you might see a yearly price reduction of in the vicinity of $193. Customers with GEICO might save as much as $216 a year, and Progressive insureds might cut rates by $249 a year.
Be aware that those prices are averaged across all ages of drivers and types of vehicles and do not take into consideration a specific zip code for veterans. So the company that fits your situation best may not even be in the top 28 companies shown above. That points out the importance of why you need to quote rates from as many companies as possible using your own personal information and vehicle type.
Types of discounts on Scottsdale auto insurance rates
Auto insurance companies that offer quotes for veterans may have discounts that can lower rates by as much as 35% if you are eligible to receive them. Larger auto insurance companies and their possible discounts include:
- GEICO offers discounts for multi-policy, driver training, membership and employees, anti-theft, air bags, and anti-lock brakes.
- Travelers may offer discounts for new car, home ownership, student away at school, early quote, multi-policy, and save driver.
- Nationwide includes discounts for defensive driving, family plan, accident-free, easy pay, good student, and anti-theft.
- Farmers Insurance offers discounts including distant student, early shopping, teen driver, mature driver, alternative fuel, and business and professional.
- Esurance may include discounts for paid-in-full, safety device, defensive driver, DriveSense, Pac-12 alumni, online quote, and Switch & Save.
- State Farm offers premium reductions for passive restraint, multiple autos, Drive Safe & Save, defensive driving training, and driver’s education.
- Progressive may have discounts that include homeowner, continuous coverage, online signing, online quote discount, and multi-policy.
- Mercury Insurance has savings for type of vehicle, location of vehicle, annual mileage, ease of repair, anti-theft, good student, and professional/association.
The information below shows the comparison of insurance rates with and without discounts applied. The costs are based on a male driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with marriage, defensive driving course, vehicle safety, multiple vehicle, multiple policy, and homeowner discounts applied. In this example, the average savings per year on auto insurance for veterans is 28% or $392.
The example below shows how different deductible levels can affect yearly insurance costs when quoting cheap insurance for veterans. The data assumes a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
In the chart above, a 50-year-old driver could cut expenses by $282 a year by changing from a $100 deductible to a $500 deductible, or save $424 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old category, could roll back prices as much as $950 or even more by selecting a higher deductible.
When choosing a higher deductible, it will now be necessary to have emergency funds available to enable you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Can you find cheaper Scottsdale car insurance?
Scottsdale, AZ auto insurance rates are influenced by many factors that control the cost of coverage. Getting older, buying a home, or getting into an accident may cause policy rate changes that can cause some rates to be more affordable than competitors. Also, companies amend premium rates every year or even multiple times each year to adjust for heavy claims or excess profits. A period of increased losses can result in higher rates, while lower claims may produce lower-priced Scottsdale car insurance rates.
The chart below shows a variety of companies that have the cheapest car insurance in Scottsdale, AZ for a 40-year-old male driver with no prior claims, no tickets, and good financial standing. When quoting prices based on his personal risk profile, The Hartford may offer the cheapest car insurance rates in Scottsdale at $1,119 each year. This is $309 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are also on the list of the most affordable Scottsdale, AZ auto insurance companies.
Now let’s give the driver from the first example a chargeable claim, a little lower credit rating, and a few blemishes on his driving record. Due to the fact that every auto insurer has a different process to set their prices, comparing quotes most likely will result in a different set of companies as shown below.
GEICO now has the cheapest car insurance in Scottsdale with Ameriprise Group, CSAA, Allied, and Farm Bureau Mutual completing the list. This demonstrates why Arizona drivers need to perform an extensive rate comparison when trying to find the best insurance rates for veterans. Car insurance prices are influenced by many risk factors and can change substantially, so the cheapest rate two years ago may now be one of the more expensive options.
The insurance agencies below can help you make a decision which policy is best, as some drivers have questions and prefer to have professional advice when buying car insurance for veterans. It can be difficult to find the cheapest auto insurance company, and a professional agent can give you satisfaction knowing you have suitable coverage if you have an accident. To locate a Scottsdale insurance agent close to you, click the button below the list.
- Arizona Insurance Services
7950 E Acoma Dr # 205 – Scottsdale, AZ 85260 – (480) 778-9700 - Dan Vukovic – State Farm Insurance Agent
7077 E Bell Rd #207 – Scottsdale, AZ 85254 – (480) 949-5433 - Jordan Bowden – State Farm Insurance Agent
10135 E Vía Linda D127 – Scottsdale, AZ 85258 – (480) 634-6315 - American Family Insurance – Winston Vineyard Agency LLC
9280 E Raintree Dr Ste 103 – Scottsdale, AZ 85260 – (480) 951-8890