The car, truck, or SUV you are insuring is one of the primary factors when comparison shopping for the cheapest auto insurance for drivers requiring a SR22. Vehicles with limited top-end speed, a plethora of safety features, or low incidents of liability claims will cost significantly less to insure than adrenaline junky models.
The data below estimates insurance prices for some of the most cost-effective vehicles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $6,027 |
| Honda CR-V LX 4WD | $6,309 |
| Toyota Prius | $6,973 |
| Ford Edge SEL AWD | $7,070 |
| Toyota Tacoma 2WD | $7,079 |
| Dodge Grand Caravan Hero | $7,138 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $7,205 |
| Ford Explorer Limited AWD | $7,213 |
| Chevrolet Impala LS | $7,399 |
| Hyundai Elantra SE 4-Dr Sedan | $7,461 |
| Honda Odyssey Touring | $7,529 |
| Jeep Grand Cherokee Limited 2WD | $7,537 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $7,596 |
| Chevrolet Malibu Hybrid | $7,655 |
| Toyota RAV4 Limited 4WD | $7,665 |
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Price data assumes single female driver age 30, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Table data does not factor in specific zip code location which can impact insurance rates noticeably.
Looking at the numbers, vehicles like the Ford Escape, Honda CR-V, Toyota Prius, and Ford Edge are most likely to be a few of the most budget-friendly vehicles to insure for high risk drivers. Rates will be more costly because of the fact that there is a higher risk for drivers requiring a SR22, but generally speaking those vehicles will probably have the lowest prices that you’ll find.
One of the more important factors that determine the price you pay for insurance is where you live. Areas with more people or more claims tend to pay more, whereas areas with less people or fewer weather incidents have the enjoyment of a little cheaper coverage.
The table below sorts the most expensive areas in Arizona for drivers requiring a SR22 to buy auto insurance in. Phoenix is ranked #1 with the yearly price of $1,231 for the average policy, which is approximately $103 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | Glendale | $1,226 |
| 3 | San Tan Valley | $1,196 |
| 4 | Avondale | $1,174 |
| 5 | Tempe | $1,152 |
| 6 | Mesa | $1,147 |
| 7 | Scottsdale | $1,117 |
| 8 | Buckeye | $1,110 |
| 9 | Gilbert | $1,108 |
| 10 | Tucson | $1,094 |
| 11 | Peoria | $1,093 |
| 12 | Goodyear | $1,087 |
| 13 | Chandler | $1,082 |
| 14 | Casa Grande | $1,079 |
| 15 | Maricopa | $1,074 |
| 16 | Catalina Foothills | $1,050 |
| 17 | Casas Adobes | $1,050 |
| 18 | Surprise | $1,048 |
| 19 | Oro Valley | $1,031 |
| 20 | Yuma | $963 |
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Rate information is comparative as vehicle location can alter rates considerably.
Finding affordable car insurance is not most people’s favorite thing to do, and deciding which company quotes the cheapest auto insurance rates for drivers requiring a SR22 will involve a bit more work.
Each company uses different criteria to set premium rates, so we’ll take a look at the auto insurance companies with the overall cheapest rates in Arizona. It’s important that readers know that Phoenix, AZ auto insurance rates are determined by lots of factors that control the cost of coverage. Events like a birthday, buying a home instead of renting, or getting a DUI can cause premium changes resulting in some companies being cheaper than before.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $923 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,108 |
| 6 | GEICO | $1,131 |
| 7 | Progressive | $1,152 |
| 8 | CSAA | $1,189 |
| 9 | Allied | $1,197 |
| 10 | Ameriprise Group | $1,220 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Safe Auto | $1,336 |
| 13 | Unitrin | $1,343 |
| 14 | Farmers | $1,350 |
| 15 | State Farm | $1,364 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,463 |
| 18 | Amica | $1,487 |
| 19 | California Casualty | $1,552 |
| 20 | Safeway | $1,554 |
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The Hartford has some of the cheapest car insurance rates in Phoenix at around $811 per year. This is $617 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers also are some of the best Phoenix, AZ insurance companies.
As the rates illustrate above, if you buy coverage from Safeco and switched to The Hartford, you could earn an annual savings of roughly $112. Policyholders with USAA might save as much as $269 a year, and Travelers customers might lower prices by up to $297 a year.
To find out how much you can save, click here to start your free quote or quote rates from the companies below.
Bear in mind that those prices are averages across all insureds and vehicles and do not factor in an exact zip code location for drivers requiring a SR22. So the car insurance company that has the cheapest price for you may not even be in the top 28 companies in the list above. That emphasizes why you need to compare rates from multiple companies using your own driver information and specific vehicle type.
Discounts on Phoenix insurance
Insurance providers that sell policies for drivers requiring a SR22 may additionally offer rate discounts that can lower rates by 40% or more if you can meet the requirements. Popular auto insurance companies and some of their more popular discounts can be read below.
- State Farm offers discounts for Steer Clear safe driver discount, safe vehicle, anti-theft, good student, student away at school, and Drive Safe & Save.
- GEICO may offer discounts for emergency military deployment, driver training, five-year accident-free, air bags, military active duty, and daytime running lights.
- Allstate may include discounts for anti-lock brakes, 55 and retired, anti-theft, multi-policy, FullPay discount, farm vehicle, and economy car.
- SAFECO has discounts for teen safety rewards, anti-theft, drive less, homeowner, and teen safe driver.
- Farm Bureau policyholders can earn discounts including 55 and retired, youthful driver, renewal discount, safe driver, and multi-policy.
- Progressive offers premium reductions for multi-vehicle, multi-policy, good student, online quote discount, and continuous coverage.
- AAA includes discounts for anti-theft, good driver, multi-policy, education and occupation, and AAA membership discount.
The information below visualizes the comparison of insurance prices with and without some available policy discounts. The information is based on a male driver, three speeding tickets and one accident, Arizona state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with passive restraint, multiple policy, vehicle safety, anti-theft, homeowner, and paid-in-full discounts applied. When taking advantage of discounts, the average amount saved each year on auto insurance for drivers requiring a SR22 is 28% or $635.
Driving violations and accidents
The best way to receive cheap auto insurance rates in Arizona for high risk drivers is to drive carefully and not receive tickets or have accidents. The example below shows how speeding tickets and at-fault accidents raise yearly insurance costs for different age groups. The costs are based on a single male driver, full coverage, $250 deductibles, and no policy discounts are applied.
In the prior example, the average cost of an auto insurance policy in Phoenix per year with no violations or accidents is $2,144. Factor in two speeding tickets and the average cost swells to $2,841, an increase of $698 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of auto insurance for drivers requiring a SR22 increases to an average of $3,545. That’s an increase of $1,402, or $117 per month, just for being a less-than-perfect driver!
Picking the best car insurance company is difficult considering how many different insurance companies sell coverage in Arizona. The rank data displayed below can help you select which car insurance providers you want to consider comparing rates from.
These ratings are only made up of companies with a national presence, so companies that have a smaller presence will not be included in these rankings. To get price quotes from these and other competitive companies, simply click here.
Top 10 Major Auto Insurers in Phoenix Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
Top 10 Major Auto Insurers in Phoenix Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
The auto insurance agents in Phoenix shown below can help you make a decision which coverages and limits you need, as some people have coverage questions and would like to get some guidance when trying to find lower insurance rates for high risk drivers. It can be complicated to find the best policy on your own, and getting professional guidance from a licensed agent can add satisfaction knowing your policy gives you sufficient coverage at claim time. To find a Phoenix insurance agent near you, click the button at the bottom of the list.
- UNO Insurance Agency
3510 E Bell Rd # 2 – Phoenix, AZ 85032 – (602) 493-2300 - Gunther Perdomo Llana – State Farm Insurance Agent
2040 E Bell Rd #110 – Phoenix, AZ 85022 – (602) 971-8488 - Fasula Kaplan Insurance Agency
11022 N 28th Dr Suite 125 – Phoenix, AZ 85029 – (602) 564-0880 - Bob Schneider – State Farm Insurance Agent
243 W Portland St – Phoenix, AZ 85003 – (602) 277-2687 - Jan McDaniel – State Farm Insurance Agent
4030 E Bell Rd #112 – Phoenix, AZ 85032 – (602) 266-2050