This would be a real easy article to write if we could simply give you the name of the single best car insurance company that has the cheapest policy rates in Arizona. It’s not that easy, however, as there are a whole slew of unknowns like whether you just want liability only, the amount of liability insurance you need, and what level of deductibles you wish to have, that help determine the price you have to pay. We will try to teach you about the different scenarios that increase car insurance cost and also should give you a solid foundation to find cheaper car insurance in Arizona.
For health professionals, one of the largest considerations that are used to help calculate car insurance rates is your zip code in Phoenix. Cities with larger populations will most likely pay more, whereas areas with less crime or weather claims benefit from lower prices.
The table below rates the priciest cities in Arizona for nurses to buy auto insurance in. Phoenix comes in at #1 with an annual cost of $1,268 for the average policy, which is about $106 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Phoenix | $1,268 |
| 2 | Glendale | $1,226 |
| 3 | Avondale | $1,186 |
| 4 | San Tan Valley | $1,161 |
| 5 | Buckeye | $1,156 |
| 6 | Peoria | $1,137 |
| 7 | Scottsdale | $1,129 |
| 8 | Tempe | $1,118 |
| 9 | Maricopa | $1,118 |
| 10 | Mesa | $1,113 |
| 11 | Gilbert | $1,108 |
| 12 | Goodyear | $1,098 |
| 13 | Tucson | $1,094 |
| 14 | Chandler | $1,093 |
| 15 | Surprise | $1,090 |
| 16 | Casa Grande | $1,079 |
| 17 | Casas Adobes | $1,072 |
| 18 | Catalina Foothills | $1,040 |
| 19 | Oro Valley | $1,031 |
| 20 | Yuma | $992 |
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Premium costs are comparative as the vehicle garaging location can increase or decrease auto insurance rates greatly.
Shopping around for low-cost auto insurance is easier said than done, and deciding which companies have the lowest-priced car insurance rates for nurses calls for even more rate comparisons.
Every car insurance company has a different formula for setting prices, so let’s take a look at the car insurance companies with the most affordable rates in Phoenix. It’s important to know that Phoenix, AZ car insurance rates are calculated based on many things which can significantly increase or decrease the cost of coverage. Turning one year older, having a claim, or getting a couple of tickets may generate price changes that can make some companies much higher than others.
Best Cheap Insurance Rates for Health Occupations
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $905 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,119 |
| 6 | GEICO | $1,131 |
| 7 | Progressive | $1,152 |
| 8 | CSAA | $1,177 |
| 9 | Allied | $1,209 |
| 10 | Ameriprise Group | $1,220 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Safe Auto | $1,336 |
| 13 | Unitrin | $1,343 |
| 14 | State Farm | $1,377 |
| 15 | Farmers | $1,391 |
| 16 | American Family | $1,463 |
| 17 | Amica | $1,473 |
| 18 | Titan | $1,476 |
| 19 | California Casualty | $1,522 |
| 20 | MetLife | $1,567 |
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The Hartford normally has some of the cheapest car insurance rates in Phoenix at around $845 a year. This is $583 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are also some of the cheaper Phoenix, AZ auto insurance companies.
In the above example, if you are currently insured with USAA and switched to Auto-Owners, you may see a yearly savings of in the neighborhood of $192. Policyholders with Travelers may save as much as $231 a year, and GEICO customers might lower prices by up to $243 a year.
Remember that these estimates are averages for all drivers and vehicles and and are not calculated with an exact location for nurses. So the auto insurance company that can offer you the best rate may not even be in the list above. That underscores the importance of why you need to quote rates from many companies using your own specific driver and vehicle information.
The vehicle model requiring insurance is one of the largest considerations when consumers are trying to find cheaper coverage for nurses. Vehicles with economical engines, a great safety record, or low incidents of liability claims will cost significantly less to insure than high performance models.
The next table ranks insurance premiums for some of the most cost-effective vehicles to insure in Arizona.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $1,580 |
| Ford Escape XLT 4WD | $1,618 |
| Hyundai Elantra SE Touring Station Wagon | $1,715 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,772 |
| Ford Edge SEL 2WD | $1,832 |
| Ford Focus SE 4-Dr Sedan | $1,842 |
| Honda CR-V EX 4WD | $1,849 |
| Jeep Grand Cherokee Laredo 2WD | $1,869 |
| Chevrolet Equinox LT AWD | $1,877 |
| Toyota Tacoma Double Cab 4WD | $1,903 |
| Ford Explorer Eddie Bauer AWD | $1,908 |
| Chevrolet Impala LTZ | $1,966 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $2,000 |
| Toyota Prius | $2,003 |
| Honda Odyssey EX W/Rear Entertainment | $2,103 |
| Hyundai Sonata Limited 4-Dr Sedan | $2,134 |
| Toyota Camry Hybrid | $2,144 |
| GMC Sierra Denali Crew Cab 2WD | $2,137 |
| Toyota RAV4 Sport 2WD | $2,142 |
| Volkswagen Jetta S 4-Dr Sedan | $2,151 |
| Compare Cheap Rates Go | |
Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rate information does not factor in specific location which can change premiums significantly.
Looking at the data, we can infer that cars like the Honda Accord, Ford Escape, Hyundai Elantra, and Jeep Wrangler will be the most economical vehicles to insure for health professionals.
How accidents and violations affect rates
The ideal way to enjoy the most affordable car insurance prices in Phoenix for health professionals is to be a safe driver and not receive tickets or have accidents. The illustration below highlights how speeding tickets and fender-benders can influence insurance costs for each different age category. The data assumes a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
The data in the chart shows the average cost of an auto insurance policy in Arizona per year with no violations or accidents is $2,182. Get one speeding ticket and the average cost swells to $2,473, an increase of $291 each year. Then add two accidents along with the one speeding ticket and the yearly cost of car insurance for nurses goes up to an average of $4,938. That’s an increase of $2,756, or $230 per month, just for a couple of infractions!
Get discounts on Phoenix car insurance rates
Auto insurance companies that offer coverage for nurses may also provide rate discounts that may potentially lower prices by 35% or more if you meet specific eligibility requirements. A list of companies and a selection of discounts are:
- Progressive may offer discounts for good student, online signing, homeowner, continuous coverage, multi-vehicle, multi-policy, and online quote discount.
- GEICO discounts include anti-theft, daytime running lights, multi-vehicle, emergency military deployment, and seat belt use.
- State Farm may have discounts that include good student, defensive driving training, Steer Clear safe driver discount, passive restraint, student away at school, accident-free, and anti-theft.
- Esurance offers discounts including claim free, Pac-12 alumni, DriveSense, online quote, emergency road assistance, and multi-policy.
- The Hartford offers premium reductions for driver training, bundle, good student, air bag, and vehicle fuel type.
The information below shows the difference between insurance rates with and without discounts being applied to the rates. The premium estimates are based on a female driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with accident-free, claim-free, passive restraint, defensive driving course, multiple vehicle, and safe-driver discounts applied. In this example, theaverage amount saved on car insurance for nurses is 28% or $413.
What is the best car insurance company in Phoenix?
Finding a good quality insurer can be a challenge considering how many companies there are in Arizona. The ranking data listed below can help you decide which companies to look at when comparing rates. The rankings below are only comprised of companies with a nationwide focus, so smaller companies that only insure vehicles in Arizona will not be included in these rankings.
Top 10 Large Auto Insurers in Phoenix Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Top 10 Large Auto Insurers in Phoenix Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
The importance of shopping around
Phoenix, AZ car insurance rates are impacted by many things that control the price you have to pay for coverage. Simply having a birthday, adding a teenager to your policy, or having a fender bender can trigger changes in premium that can cause some rates to be more affordable than competitors.
Additionally, insurance companies modify pricing without warning in order to offset underwriting gains or losses. Significantly higher losses can cause a rate increase, while less frequent claims can produce lower-cost Phoenix car insurance rates.
For example, the data below analyzes the cheapest car insurance in Phoenix, AZ for a 45-year-old male driver with a clear driving record, no claims, and good credit. If we estimate rates based on his personal profile, The Hartford offers the best car insurance rates in Phoenix at $1,193 each year. This is $235 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and Progressive round out the rest of the best Phoenix, AZ auto insurance companies.
The chart below compares rates after we give the driver from the first example a claim or two, poor credit, and a few blemishes on his driving record. Since each auto insurer uses their own method for establishing rates, comparing quotes may now result in a completely different list of the cheapest car insurance companies in Phoenix as shown below.
GEICO now has the best price in Phoenix with Ameriprise Group, CSAA, Allied, and Farm Bureau Mutual now rounding out the top five. This example illustrates why it is crucial to compare rates when trying to get the cheapest insurance quotes for nurses. Prices can be altered by many things and change substantially, so the best company when you bought your policy may now be one of the higher cost companies.