Wouldn’t it be great if we could just tell you that one special company that has the cheapest rate quotes for drivers with accidents? Regrettably, it’s not quite that easy, as there are a ton of unknown factors such as your date of birth, if you have any driving citations, your financial stability, and your annual mileage driven, that all influence how much you pay for auto insurance. In this article, we will cover the best ways to save on auto insurance and will hopefully give the reader a good beginning to your quest for cheaper car insurance in Phoenix.
Comparing rates for affordable auto insurance is hard enough, and deciding which insurers offer the cheapest insurance rates for drivers with accidents may require even more diligence. Each auto insurer has a unique formula to establish rates, so we need to take a look at the insurance companies that tend to have lower prices in Phoenix.
Find the Cheapest Auto Insurance for Accident Prone Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $820 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $905 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,124 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,177 |
| 8 | CSAA | $1,177 |
| 9 | Ameriprise Group | $1,208 |
| 10 | Allied | $1,233 |
| 11 | Safe Auto | $1,284 |
| 12 | Farm Bureau Mutual | $1,285 |
| 13 | Unitrin | $1,357 |
| 14 | State Farm | $1,377 |
| 15 | Farmers | $1,391 |
| 16 | Titan | $1,418 |
| 17 | Amica | $1,443 |
| 18 | American Family | $1,463 |
| 19 | California Casualty | $1,552 |
| 20 | MetLife | $1,567 |
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The Hartford may have some of the most affordable car insurance rates in Phoenix at around $820 annually. This is $608 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also rank well as some of the best Phoenix, AZ car insurance companies.
As illustrated above, if you currently have coverage with Safeco and switched to The Hartford, you could realize annual savings of upwards of $85. Insureds with Travelers may save as much as $266 a year, and USAA policyholders might cut rates by $304 a year.
If you want to find out if you’re overpaying, click here to start a quote or click several companies below for low rates.
Remember that these prices are averaged across all ages of drivers and types of vehicles and do not take into consideration a specific zip code for drivers with accidents. So the auto insurance company that has the cheapest price for you may not even be in the top 28 companies shown above. That point stresses why you need to quote rates from many companies using your own specific driver and vehicle information.
One of the many considerations that aid in calculating the cost of insurance is where you normally keep your vehicle. Cities with more crime and/or more people tend to pay more, whereas more rural areas get the luxury of paying less.
The next table shows the priciest cities in Arizona for drivers with accidents to purchase a policy in. Phoenix shows up at #1 with the yearly price of $1,231 for the average insured, which is around $103 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | Glendale | $1,214 |
| 3 | Avondale | $1,210 |
| 4 | San Tan Valley | $1,185 |
| 5 | Scottsdale | $1,163 |
| 6 | Mesa | $1,159 |
| 7 | Tempe | $1,140 |
| 8 | Goodyear | $1,120 |
| 9 | Gilbert | $1,120 |
| 10 | Buckeye | $1,110 |
| 11 | Chandler | $1,093 |
| 12 | Peoria | $1,093 |
| 13 | Catalina Foothills | $1,082 |
| 14 | Surprise | $1,080 |
| 15 | Casa Grande | $1,079 |
| 16 | Maricopa | $1,074 |
| 17 | Casas Adobes | $1,072 |
| 18 | Tucson | $1,061 |
| 19 | Oro Valley | $1,020 |
| 20 | Yuma | $983 |
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Annual rates are estimated as zip code location can decrease or increase prices greatly.
How to get discounts on Phoenix insurance rates
Car insurance companies that provide coverage for drivers with accidents may also provide special discounts that could lower prices by as much as 35% if you meet eligibility requirements. A list of insurance companies and a selection of discounts are shown below.
- Progressive may offer discounts for online signing, continuous coverage, online quote discount, homeowner, good student, and multi-policy.
- AAA may have discounts that include education and occupation, good student, good driver, AAA membership discount, pay-in-full, multi-policy, and multi-car.
- Farmers Insurance has savings for switch companies, multi-car, homeowner, good student, mature driver, bundle discounts, and electronic funds transfer.
- GEICO may include discounts for anti-theft, good student, defensive driver, seat belt use, and multi-policy.
- Esurance discounts include anti-theft, multi-car, defensive driver, online shopper, and homeowner.
- SAFECO has discounts for teen safe driver, anti-theft, bundle discounts, teen safety rewards, multi-car, safe driver, and anti-lock brakes.
- State Farm offers discounts for good driver, safe vehicle, good student, accident-free, and Steer Clear safe driver discount.
The illustration below illustrates the difference between insurance rates with and without discounts applied. The price estimates are based on a male driver, one accident and no traffic tickets, Arizona state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with vehicle safety, passive restraint, multiple vehicle, homeowner, anti-theft, and marriage discounts applied. When these discounts are applied, theamount saved on insurance for drivers with accidents is 28% or $706.
Rate increases following a ticket or accident
The recommended way to maintain cheap insurance premiums in Arizona for drivers with at-fault accidents is to drive attentively and have a clean driving record. The chart below highlights how speeding tickets and accident claims drive up insurance costs for different categories of driver ages. The premiums assume a married male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.
In the chart above, the average cost of an auto insurance policy in Arizona per year with a clean driving record and no accidents is $1,828. Get two speeding tickets and the average cost increases to $2,527, an increase of $699 each year. Next add one accident along with the two speeding tickets and the annual cost of insurance for drivers with accidents jumps again to an average of $3,231. That’s an increase of $1,403, or $117 per month, just for a couple of infractions!
The chart below shows how choosing a deductible can increase or decrease premium costs when trying to find cheap insurance for drivers with accidents. The prices are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
The data above shows that a 50-year-old driver could lower rates by $290 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $440 by using a $1,000 deductible. Youthful drivers, such as the Age 20 example, could roll back prices $972 annually by using a higher deductible. When raising deductibles, it is essential to have additional savings on hand to enable you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
How to find low-cost car insurance for drivers with accidents
It is possible to find better rates, and here are some money-saving solutions that can help Phoenix drivers locate cheaper coverage.
- Lower rates by purchasing a safer vehicle
- Good credit can save money
- Bundle home and auto and save
- Do not pay for full coverage on older vehicles
- Prevent rate increases by staying accident-free
- Compare rates and switch if you can find a better deal
That final tip is especially vital, as we emphasized in this article. Car insurance rates in Phoenix go up and down frequently, so drivers shouldn’t hesitate to buy from a different company if a more affordable price is available. Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that dedication is costing big bucks every year. Spend a few minutes and compare prices and find cheaper auto insurance for drivers with accidents.