In an ideal world, we could just tell you the company that has the most affordable insurance in Arizona. It’s not quite that easy, unfortunately, as there are a whole bunch of unknown factors like your credit score, tickets or driving violations, the type of vehicle you drive, and whether you are female or male, that help determine the price you have to pay. We will attempt to cover these things and also should give you a good start in finding the cheapest car insurance in Arizona.
The car, truck, or SUV to be insured is probably the largest consideration that determines whether or not you can buy cheaper coverage for a company car. Vehicles with economical engines, excellent safety ratings, or low incidents of liability claims will cost much less to insure than higher performance models. The table below illustrates car insurance premiums for a number of the most affordable automobiles to insure in Arizona.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $1,467 |
| Ford Escape XLT 2WD | $1,473 |
| Honda Odyssey EX W/Rear Entertainment | $1,702 |
| Dodge Grand Caravan Hero | $1,735 |
| Toyota RAV4 Limited 4WD | $1,745 |
| Ford Explorer Limited AWD | $1,767 |
| Ford F-150 SVT Raptor Super Cab 4WD | $1,777 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,767 |
| Toyota Prius | $1,781 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,789 |
| Ford Focus SEL 4-Dr Sedan | $1,797 |
| Toyota Corolla LE | $1,830 |
| Toyota Camry SE | $1,836 |
| Chevrolet Impala LTZ | $1,830 |
| Chevrolet Malibu LTZ | $1,863 |
| Chevrolet Equinox LS 2WD | $1,901 |
| Chevrolet Silverado 3500HD LTZ Crew Cab 2WD | $1,928 |
| Honda Accord LX-S 2-Dr Coupe | $1,953 |
| Jeep Grand Cherokee Laredo 4WD | $1,956 |
| Dodge Ram 2500 Crew Cab ST 2WD | $1,986 |
| Chevrolet Silverado LT Crew Cab 2WD | $1,993 |
| Ford Fusion SEL AWD 4-Dr Sedan | $1,988 |
| Ford Edge Sport AWD | $2,005 |
| Find Cheaper Rates Go | |
Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Price information does not factor in garaging location in Scottsdale, AZ which can raise or lower price quotes considerably.
Based on these rates, we can presume that models like the Honda CR-V, Ford Escape, Honda Odyssey, and Dodge Grand Caravan will be some of the most budget-friendly vehicles to insure for your employer’s vehicle.
Buying low-cost auto insurance is confusing at best, and deciding which companies offer the lowest-priced car insurance rates for a company car will involve additional perseverance. Each company uses a little different formula for setting prices, so we need to take a look at the most affordable car insurance companies in Scottsdale.
Lowest Insurance Price Quotes in Arizona
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $820 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $897 |
| 4 | USAA | $1,091 |
| 5 | Travelers | $1,108 |
| 6 | GEICO | $1,131 |
| 7 | Progressive | $1,152 |
| 8 | Allied | $1,197 |
| 9 | Ameriprise Group | $1,208 |
| 10 | CSAA | $1,225 |
| 11 | Farm Bureau Mutual | $1,285 |
| 12 | Unitrin | $1,317 |
| 13 | Safe Auto | $1,336 |
| 14 | State Farm | $1,364 |
| 15 | Farmers | $1,391 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,420 |
| 18 | Amica | $1,429 |
| 19 | California Casualty | $1,506 |
| 20 | MetLife | $1,567 |
| Get a Custom Quote Go | ||
The Hartford quotes some of the best car insurance rates in Scottsdale at around $820 annually. Safeco, Auto-Owners, USAA, and Travelers also rank well as some of the cheapest Scottsdale, AZ car insurance companies.
As illustrated above, if you are a policyholder with Travelers and switched to Safeco, you could earn savings of upwards of $212. Arizona drivers with GEICO may save as much as $235 a year, and Progressive insureds might lower prices by up to $256 a year.
These policy prices are averaged for all drivers and vehicles in Arizona and and are not calculated with a vehicle location for a company car. So the auto insurance company that fits your age and vehicle best may not even be in the list above. That point stresses why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.
The example below highlights how deductible selection can affect insurance costs when researching cheap insurance for a company car. The price estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
As shown above, a 30-year-old driver could save $236 a year by switching from a $100 deductible up to a $500 deductible, or save $358 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old, can cut $508 annually by using higher deductibles when buying full coverage.
If you make the decision to raise deductibles, it will be necessary to have enough savings to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Best car insurance company in Arizona
Picking the best insurance company can be difficult considering how many different companies insure vehicles in Arizona. The rank data shown below can help you choose which car insurance providers to look at when shopping your coverage around. These rankings are only made up of companies who write in the majority of U.S. states, so smaller companies are not taken into consideration for these rankings.
Top 10 Large Auto Insurance Companies Overall in Scottsdale
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
How violations and accidents impact rates
In a perfect world, the best way to enjoy the cheapest car insurance prices in Arizona for your employer’s vehicle is to be a good driver and have a clean driving record. The diagram below highlights how traffic violations and at-fault claims drive up auto insurance costs for each age group. The data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.
The data charted above shows the average cost of auto insurance per year with no violations or accidents is $1,806. Factor in two speeding tickets and the average cost jumps to $2,576, an increase of $770 each year. Next add one accident along with the two speeding tickets and the yearly cost of car insurance for a company car increases to an average of $3,355. That’s an increase of $1,549, or $129 per month, just for not driving carefully!
How to find budget-friendly car insurance for a company car
The list below summarizes some of the better thrifty suggestions that can help Scottsdale drivers buy low-cost coverage.
- Avoid accidents
- Buy safe vehicles
- Save money by obeying traffic laws and keeping a clean driving record
- Pay for smaller claims out-of-pocket
- Higher credit ratings may save you money
- Shop around for cheaper prices
The final tip is extraordinarily crucial, as was discussed in the article above. Car insurance rates in Scottsdale can change in a short period of time, so don’t be hesitant to buy a different policy if a cheaper price is available.
Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that stubbornness costs you lots of hard earned cash every month. It takes less than five minutes to compare rates to find cheaper car insurance for a company car.
If you prefer to have a consultation when trying to find the best insurance rates for your employer’s vehicle, the insurance agencies listed below are a good start to help you determine which insurance coverage will be best for you.
To find a Scottsdale insurance agent near you, click the button link following the list or click here to compare price quotes now.
- State Farm: Jeremy Mueller
23341 N Pima Rd D139, Scottsdale 85255 – 23341 N Pima Rd D139, AZ 85255 – (480) 515-5223 - Greene Insurance Group
17470 N Pacesetter Way – Scottsdale, AZ 85255 – (480) 657-2800 - American Family Insurance – J M Chapman Agency Inc
7055 E Thomas Rd – Scottsdale, AZ 85251 – (480) 945-7122