The words “low-priced” and “insurance” really should not be used together, specifically when trying to find the best car insurance for veterans. Let’s learn about some things that impact auto insurance prices, and find out if you can reduce the price of the next policy you buy.
Finding out which companies quote the cheapest insurance rates for veterans involves a bit more work in order to find the best policy. Every insurance company uses their own method to determine premium rates, so let’s take a look at the lowest cost insurance companies in Phoenix.
It’s important that readers know that Arizona insurance rates are impacted by many things that will increase or decrease the price you have to pay for coverage. Turning one year older, moving to a new city, or getting caught speeding can produce rate changes that may make certain companies more affordable than the competition.
Find Cheaper Car Insurance for Vets
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $896 |
| 4 | Travelers | $1,119 |
| 5 | USAA | $1,124 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,131 |
| 8 | Ameriprise Group | $1,220 |
| 9 | CSAA | $1,225 |
| 10 | Allied | $1,233 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | State Farm | $1,323 |
| 13 | Safe Auto | $1,336 |
| 14 | Unitrin | $1,343 |
| 15 | Farmers | $1,350 |
| 16 | American Family | $1,420 |
| 17 | Amica | $1,429 |
| 18 | Titan | $1,476 |
| 19 | MetLife | $1,551 |
| 20 | California Casualty | $1,552 |
| Compare Rates Now Go | ||
The Hartford quotes some of the cheapest car insurance rates in Phoenix at around $836 per year. Auto-Owners, Safeco, Travelers, and USAA would also be considered some of the more affordable Phoenix, AZ insurance companies.
In the rate table above, if you currently buy coverage from Travelers and switched to The Hartford, you might realize a yearly savings of around $283. Customers with USAA might save as much as $288 a year, and Progressive insureds might reduce rates by $294 a year.
Remember that these policy rates are averages for all drivers and vehicles in Arizona and and are not calculated with an exact zip code location for veterans. So the insurer that can offer you the best rate may not even be in the top 28 companies in the list above. That affirms the importance of why you need to get rate quotes from many companies using your own specific driver and vehicle information.
One of the many factors that are looked at to help calculate the cost of insurance is where you live. Areas with more people or more claims will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims benefit from having to pay less for coverage.
The illustration below sorts the most expensive places in Arizona for veterans to buy car insurance in. Phoenix is ranked at #1 with the yearly price of $1,268 for car insurance, which is around $106 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Phoenix | $1,268 |
| 2 | Avondale | $1,210 |
| 3 | Glendale | $1,190 |
| 4 | San Tan Valley | $1,161 |
| 5 | Buckeye | $1,156 |
| 6 | Gilbert | $1,154 |
| 7 | Peoria | $1,126 |
| 8 | Tempe | $1,118 |
| 9 | Maricopa | $1,118 |
| 10 | Scottsdale | $1,117 |
| 11 | Mesa | $1,113 |
| 12 | Tucson | $1,094 |
| 13 | Chandler | $1,093 |
| 14 | Goodyear | $1,087 |
| 15 | Surprise | $1,080 |
| 16 | Catalina Foothills | $1,072 |
| 17 | Casas Adobes | $1,050 |
| 18 | Casa Grande | $1,047 |
| 19 | Oro Valley | $1,031 |
| 20 | Yuma | $983 |
| 21 | Flagstaff | $960 |
| 22 | Prescott | $942 |
| 23 | Bullhead City | $878 |
| 24 | Sierra Vista | $863 |
| 25 | Lake Havasu City | $844 |
| Find Cheaper Insurance Go | ||
Prices are approximated as the vehicle garaging location can decrease or increase auto insurance rates greatly.
Insuring your vehicle with the right company can be rather challenging considering how many choices drivers have in Arizona. The rank data below can help you decide which providers you want to consider purchasing from. The rankings below are only made up of the largest companies in America, so smaller companies will not be included in this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
The example below demonstrates how deductible levels can raise or lower insurance costs when researching cheap insurance for veterans. The price estimates are based on a single male driver, comp and collision included, and no additional discounts are factored in.
In the chart above, a 40-year-old driver could reduce rates by $334 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $502 by changing to a $1,000 deductible. Younger drivers, such as the 20-year-old example, could potentially save $1,114 every year just by choosing higher deductibles.
If you do make the decision to raise your deductibles, it will now be necessary to have additional funds in a savings account to enable you to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Discount Phoenix auto insurance
Auto insurance companies that sell policies for veterans may additionally offer rate discounts that could reduce prices by 40% or more if you meet eligibility requirements. A few of the larger companies and some of the discounts are outlined below.
- State Farm may have discounts that include passive restraint, defensive driving training, student away at school, good driver, safe vehicle, and multiple policy.
- GEICO may include discounts for multi-vehicle, five-year accident-free, defensive driver, anti-lock brakes, and military active duty.
- Progressive discounts include good student, multi-policy, homeowner, continuous coverage, multi-vehicle, online signing, and online quote discount.
- 21st Century has savings for air bags, good student, driver training, early bird, and automatic seat belts.
- American Family offers discounts including mySafetyValet, multi-vehicle, air bags, accident-free, bundled insurance, early bird, and good student.
- The Hartford policyholders can earn discounts including vehicle fuel type, air bag, defensive driver, anti-theft, good student, bundle, and driver training.
- AAA includes discounts for multi-policy, good driver, AAA membership discount, education and occupation, multi-car, good student, and anti-theft.
The chart below visualizes the comparison of annual premium costs with and without discounts applied to the rates. The premiums are based on a male driver, no claims, a clean driving record, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with defensive driving course, passive restraint, accident-free, safe-driver, anti-theft, and multiple policy discounts applied. When these discounts are applied, theamount saved on insurance for veterans is 28% or $642.
The auto insurance agents in Phoenix shown below can most likely help you determine which insurance coverage will be best for you, since some people have coverage questions and would like to have some advice when trying to find the best insurance rates for veterans. It’s not always easy to find the best coverage yourself, so using a licensed agent can give you satisfaction knowing you have enough protection.
To locate a Phoenix insurance agent closest to you, click the button at the bottom of the list.
- Best Buy Insurance
3917 S Central Ave – Phoenix, AZ 85040 – (602) 268-2548 - American Premier Insurance Agency
16815 S Desert Foothills Pkwy #140 – Phoenix, AZ 85048 – (480) 423-3444 - Andra Jeffress – State Farm Insurance Agent
1704 W Bethany Home Rd – Phoenix, AZ 85015 – (602) 249-1037 - State Farm: Lynn Hennessy
4645 E Chandler Blvd #110 – Phoenix, AZ 85048 – (480) 759-0203 - Brian Stevens – State Farm Insurance Agent
21043 N Cave Creek Rd A12 – Phoenix, AZ 85024 – (602) 569-6600