The make and model of vehicle that needs insurance is one of the largest factors when comparing quotes for cheaper insurance for high risk drivers. Vehicles with limited speed and performance, good safety features, or a low likelihood of liability claims will cost significantly less to insure than fast, unsafe models. The next list shows coverage prices for the cheapest automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX-L 4-Dr Sedan | $1,623 |
| Honda CR-V EX 4WD | $1,676 |
| Nissan Altima 2.5 4-Dr Sedan | $1,769 |
| Chevrolet Impala LT | $1,778 |
| Chevrolet Equinox LS AWD | $1,769 |
| Ford Explorer Limited 4WD | $1,802 |
| Ford Escape Limited 4WD | $1,824 |
| Dodge Grand Caravan CV | $1,830 |
| Toyota Prius | $1,869 |
| Jeep Grand Cherokee Limited 4WD | $1,899 |
| Ford F-150 XL Crew Cab 2WD | $1,902 |
| Chevrolet Malibu LS | $1,937 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $1,948 |
| Ford Focus S 4-Dr Sedan | $1,951 |
| Toyota RAV4 Limited 4WD | $1,995 |
| Hyundai Sonata Limited 4-Dr Sedan | $2,026 |
| Toyota Tacoma Double Cab 4WD | $2,039 |
| Honda Odyssey EX-L | $2,045 |
| Dodge Ram Crew Cab Sport 4WD | $2,059 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $2,061 |
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Estimates do not factor in specific location information which can influence prices considerably.
Based on these rates, we can tell that vehicles like the Honda Accord, Honda CR-V, and Nissan Altima are going to be a few of the cheapest vehicles to insure for high risk drivers.
Finding decent, low-priced car insurance is challenging, and determining which insurers offer the cheapest car insurance rates for high risk drivers requires even more rate comparisons.
Each auto insurer has a proprietary formula for determining rates in each state, so first we will examine the most affordable car insurance companies in Arizona. Keep in mind that Scottsdale, AZ car insurance rates are impacted by many factors that can increase the price of coverage. Price variation is why it is important to compare many different companies when trying to find the best insurance rates for high risk drivers. Insurance rates are impacted by many factors and can change substantially, so the cheapest company when you last compared rates may now be quite expensive.
Find Cheaper Car Insurance for Risky Drivers
The Hartford may offer some of the most affordable car insurance rates in Scottsdale at around $811 per year. Safeco, Auto-Owners, Travelers, and USAA also make the cut as some of the cheaper Scottsdale, AZ car insurance companies.
As shown in the table above, if you currently buy coverage from Travelers and switched to Safeco, you may realize yearly savings of approximately $190. Policyholders with USAA may save as much as $195 a year, and Progressive customers might see rate reductions of $268 a year.
If you would like to find cheaper car insurance rates, click here to get a free quote or feel free to get quotes from the companies below.
These policy rates are averages across all types of insureds and vehicles and do not factor in an exact location for high risk drivers. So the company that fits your situation best may not even be in the top 28 companies in the list above. That helps illustrate why you need to compare rates from multiple companies using your own specific driver and vehicle information.
Which car insurance company is best in Arizona?
Picking the top company can be difficult considering how many different companies insure vehicles in Arizona. The company information below could help you pick which car insurance companies you want to consider when shopping insurance around for high risk drivers.
These rankings are only comprised of large insurance companies, so companies that only write business in Arizona or surrounding areas are not included in this list. To check prices from these and other competitive companies, just click here.
Top 10 Large Auto Insurance Providers Overall in Scottsdale
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Discount Scottsdale auto insurance rates
Car insurance companies that provide policies for high risk drivers may also give you special discounts that could potentially reduce rates by 30% or more if you qualify for them. A few popular companies and their possible discounts can be read below.
- State Farm may include discounts for safe vehicle, defensive driving training, good driver, Drive Safe & Save, multiple autos, and anti-theft.
- GEICO offers discounts for good student, emergency military deployment, military active duty, anti-theft, and federal employee.
- Allstate may have discounts that include auto/life discount, passive restraint, 55 and retired, farm vehicle, early signing, and EZ pay plan discount.
- SAFECO has savings for teen safe driver, anti-theft, anti-lock brakes, bundle discounts, safe driver, and teen safety rewards.
- Farm Bureau offers premium reductions for multi-policy, youthful driver, good student, multi-vehicle, and driver training.
- Progressive discounts include multi-vehicle, homeowner, continuous coverage, good student, and online signing.
- AAA policyholders can earn discounts including good student, education and occupation, pay-in-full, AAA membership discount, and multi-car.
The information below shows the difference between car insurance costs with and without discounts applied to the rates. The costs are based on a female driver, no claims or violations, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with accident-free, safe-driver, claim-free, multiple vehicle, vehicle safety, and anti-theft discounts applied. When discounts are applied, theaverage yearly reduction on car insurance for high risk drivers is 27% or $449.
Your cheap policy may actually be overpriced
Scottsdale car insurance rates are determined by lots of factors that may substantially change your annual premium. Simply improving your credit, moving across town, or having an at-fault accident may cause policy rate changes resulting in some companies being affordable when they were higher priced.
Not only that, but companies change the rates they charge in Arizona without warning in order to maintain liquidity for claims. Heavier than normal losses can result in higher priced premiums, while better underwriting can produce lower-priced Scottsdale car insurance rates.
As an example, the data below shows which companies have the cheapest car insurance in Scottsdale, AZ for a 45-year-old male driver with no accidents, a clean driving record, and a decent credit rating. If we look at prices based on his current risk factors, The Hartford may have the most affordable car insurance rates in Scottsdale at $1,118 annually. This is $310 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are also on the list of the top five cheapest Scottsdale, AZ auto insurance companies.
Now we will pretend the driver in the first chart a claim, poor credit, and a traffic ticket or two. Since each insurance company has a unique approach for filing rates in each state, comparing insurance quotes may now result in a significantly different list of cheap Scottsdale auto insurance companies as shown below.
GEICO now has the best price on car insurance in Scottsdale with Allied, CSAA, Ameriprise Group, and Auto-Owners now being in the top five. This illustrates why drivers need to perform an extensive rate comparison to get the best car insurance quotes for high risk drivers.
Insurance rates are determined by many risk factors and can change without notice, so the best option three years ago may now be quite expensive.