One of the many factors that are looked at to determine car insurance rates is where you normally keep your vehicle in Scottsdale. Larger areas tend to pay slightly more, whereas areas that tend to be more rural profit from lower rates.
The next table shows the most costly cities in Arizona for felons to buy auto insurance in. Scottsdale is ranked at #8 with an annual rate of $1,129 for car insurance, which is about $94 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Avondale | $1,222 |
| 3 | Glendale | $1,178 |
| 4 | San Tan Valley | $1,161 |
| 5 | Mesa | $1,159 |
| 6 | Buckeye | $1,156 |
| 7 | Peoria | $1,137 |
| 8 | Scottsdale | $1,129 |
| 9 | Chandler | $1,126 |
| 10 | Tempe | $1,118 |
| 11 | Maricopa | $1,118 |
| 12 | Gilbert | $1,108 |
| 13 | Surprise | $1,090 |
| 14 | Goodyear | $1,087 |
| 15 | Catalina Foothills | $1,072 |
| 16 | Oro Valley | $1,062 |
| 17 | Tucson | $1,061 |
| 18 | Casa Grande | $1,047 |
| 19 | Casas Adobes | $1,040 |
| 20 | Yuma | $983 |
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Premium costs are comparative as zip code location can modify insurance rates greatly.
Figuring out which company quotes the lowest-priced car insurance rates for felons will require a little more effort than just comparing a company or two. Each insurer has a proprietary method to establish rates, so to begin we’ll rank the car insurance companies with the overall cheapest rates in Arizona.
Keep in mind that Arizona car insurance rates are impacted by many things that will increase or decrease the price you have to pay for coverage. Simply having another birthday, moving to a new city, or getting a DUI may generate price changes that may make certain companies more affordable than the competition.
Best Auto Insurance Prices for Felons
The Hartford has some of the cheapest car insurance rates in Scottsdale at around $811 each year. This is $617 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers also make the cut as some of the lowest-priced Scottsdale, AZ insurance companies.
In the above example, if you are insured with USAA and switched to The Hartford, you might realize an annual premium reduction of upwards of $280. Arizona drivers with Travelers may save as much as $297 a year, and Progressive policyholders might lower prices by up to $307 a year.
To see if your current coverage is too expensive, click here to start your custom quote or quote rates from the companies below.
Bear in mind that those rates are averaged across all types of drivers and the different vehicles they drive and do not take into consideration a specific zip code for felons. So the company that is best for you may not even be in the top 28 companies shown above. That illustrates why you need to get rate quotes from many companies using your own driver and vehicle profiles.
The information below illustrates how your choice of deductibles can affect insurance rates when researching cheap insurance for felons. The prices are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.
The chart above illustrates that a 40-year-old driver could cut expenses by $246 a year by changing from a $100 deductible up to a $500 deductible, or save $370 by selecting a $1,000 deductible. Youthful drivers, such as the Age 20 example, could potentially save up to $606 every year by choosing a larger deductible amount.
If you do raise deductibles, it will be required to have additional savings on hand to satisfy the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Drive responsibly or pay higher rates
A great way to earn low car insurance premiums for felons is to drive carefully and not receive tickets or have accidents. The information below demonstrates how citations and fender-benders drive up insurance rates for different age groups. The information is based on a single female driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.
The data charted above shows the average cost of auto insurance in Scottsdale per year with no violations or accidents is $1,474. Receive two speeding tickets and the average cost rises to $1,975, an increase of $501 each year. Now include one accident along with the two speeding tickets and the annual cost of car insurance for felons increases to an average of $2,477. That’s an increase of $1,004, or $84 per month, just for being a less-than-perfect driver!
Shop around and save
Scottsdale car insurance rates are impacted by many factors which can substantially change the policy premium. Improving your credit score, becoming a homeowner, or getting a reckless driving citation can cause premium changes that may make certain companies cheaper in comparison to the competition.
Not only may your situation change, but insurance companies file new Arizona auto insurance rates as often as every three months to help ensure profitability. A period of increased losses can cause rate hikes, while a profitable period may result in lower-cost Scottsdale car insurance rates.
To help illustrate this point, the bar chart below shows the companies that have the cheapest car insurance in Scottsdale, AZ for a 40-year-old male driver with no prior claims, no tickets, and a decent credit rating. When comparing rates based on his personal risk profile, The Hartford might offer the lowest car insurance rates in Scottsdale at $1,082 per year. This is $346 less than the average rate paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA are the remaining cheapest Scottsdale, AZ auto insurance companies.
In the next rate comparison, we’ll give the driver from the first rate comparison a chargeable accident, a lower credit rating, and a couple of points charged on his driving record. Because each company has their own unique process for filing rates in each state, getting updated rate quotes may now result in a completely different list of companies as shown below.
GEICO now has the best price in Scottsdale, AZ with CSAA, Ameriprise Group, Allied, and Farm Bureau Mutual now rounding out the top five. This example proves why it is critical to compare many different companies when trying to find the most economical auto insurance quotes for felons.
Rates are determined by many factors and can change substantially, so the best price the last time you shopped around may now be one of the more expensive options.