The vehicle model to be insured is probably the biggest factor when looking for the best cheap coverage for 4×4 vehicles. Vehicles with lower performance, an excellent safety record, or a positive history of liability claims will cost substantially less to insure than higher performance models.
The next table showcases car insurance rates for a handful of the more affordable vehicles to insure in Arizona.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $1,935 |
| Chevrolet Malibu Hybrid | $1,955 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,964 |
| Toyota Corolla S | $2,057 |
| Toyota Camry XLE | $2,063 |
| Kia Optima LX | $2,095 |
| Chevrolet Silverado 2500HD LT Crew Cab 4WD | $2,103 |
| Jeep Grand Cherokee Limited 2WD | $2,095 |
| Toyota Prius | $2,104 |
| Dodge Grand Caravan SE | $2,125 |
| Honda Civic EX-L 4-Dr Sedan | $2,160 |
| Honda Accord EX 2-Dr Coupe | $2,197 |
| Ford Edge SEL AWD | $2,200 |
| Ford Escape Limited 4WD | $2,206 |
| Volkswagen Jetta SE 2.5 Station Wagon | $2,212 |
| Chevrolet Equinox LS 2WD | $2,244 |
| Ford Explorer Eddie Bauer AWD | $2,285 |
| Ford Focus SE 4-Dr Sedan | $2,352 |
| Toyota Tacoma 2WD | $2,361 |
| Hyundai Elantra SE 4-Dr Sedan | $2,361 |
| Honda Odyssey EX-L | $2,367 |
| Toyota RAV4 Sport 4WD | $2,399 |
| Chevrolet Impala LT | $2,404 |
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Price 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 multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rate information does not factor in vehicle garaging location which can raise or lower premiums substantially.
Based upon the table data, we can infer that cars like the Honda CR-V, Chevrolet Malibu, and Jeep Wrangler will definitely be a few of the more affordable vehicles to insure for off-road vehicles.
Comparing quotes for affordable insurance is not the easiest thing to do, and finding out which companies quote the cheapest car insurance rates for 4×4 vehicles will require even more rate comparisons. Each auto insurance company has a different process for determining rates in each state, so let’s begin by examining the most affordable car insurance companies in Arizona.
Keep in mind that Phoenix car insurance rates are based on many factors that will increase or decrease the price you pay for coverage. Events like a birthday, getting divorced, or getting a driving violation can trigger changes in premium that can make some companies cheaper than competitors.
Lowest Insurance Price Quotes for 4×4’s
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Auto-Owners | $897 |
| 3 | Safeco | $905 |
| 4 | Travelers | $1,075 |
| 5 | USAA | $1,080 |
| 6 | GEICO | $1,131 |
| 7 | Progressive | $1,164 |
| 8 | Ameriprise Group | $1,184 |
| 9 | CSAA | $1,213 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Safe Auto | $1,284 |
| 13 | State Farm | $1,323 |
| 14 | Unitrin | $1,343 |
| 15 | Farmers | $1,378 |
| 16 | Amica | $1,429 |
| 17 | Titan | $1,461 |
| 18 | American Family | $1,463 |
| 19 | MetLife | $1,505 |
| 20 | California Casualty | $1,506 |
| Find Your Rate Go | ||
The Hartford generally has some of the lowest car insurance rates in Phoenix at around $845 per year. This is $583 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also make the cut as some of the cheaper Phoenix, AZ car insurance companies.
As depicted above, if you currently have coverage with Safeco and switched to The Hartford, you might achieve an annual premium reduction of around $60. Customers with Travelers could save as much as $230 a year, and USAA customers might cut rates by $235 a year.
If you want to find out if you’re overpaying, click here to get quotes or click several companies below for low rates.
Remember that these policy rates are averaged for all types of insureds and vehicles and and are not calculated with a specific zip code for 4×4 vehicles. So the car insurance company that can offer you the best price may not even be in the list above. That underscores the importance of why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.
One of the many considerations that are looked at to determine the amount you pay for auto insurance is where your car is garaged in Phoenix. Areas with more people or more claims likely pay more, whereas areas with less crime or weather claims receive better rates.
The following table sorts the most expensive areas in Arizona for 4×4 vehicles to purchase auto insurance in. Phoenix shows up at #1 with a yearly cost of $1,268 on average, which is about $106 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Phoenix | $1,268 |
| 2 | Glendale | $1,214 |
| 3 | Avondale | $1,210 |
| 4 | Buckeye | $1,156 |
| 5 | San Tan Valley | $1,150 |
| 6 | Tempe | $1,140 |
| 7 | Goodyear | $1,131 |
| 8 | Peoria | $1,126 |
| 9 | Mesa | $1,125 |
| 10 | Gilbert | $1,120 |
| 11 | Scottsdale | $1,117 |
| 12 | Maricopa | $1,107 |
| 13 | Chandler | $1,082 |
| 14 | Surprise | $1,080 |
| 15 | Oro Valley | $1,062 |
| 16 | Tucson | $1,061 |
| 17 | Casa Grande | $1,057 |
| 18 | Casas Adobes | $1,050 |
| 19 | Catalina Foothills | $1,050 |
| 20 | Flagstaff | $960 |
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Price information shown is approximated as specific Phoenix zip code can change prices noticeably.
Drive safe and save
A great way to snag the most affordable car insurance premiums in Arizona for off-road vehicles is to be a cautious driver and not have accidents or get tickets. The illustration below illustrates how violations and accident claims can increase car insurance costs for different age groups of insureds. Data assumes a single male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.
In the prior example, the average cost of auto insurance in Phoenix per year with a clean driving record and no accidents is $1,745. Receive one speeding ticket and the average cost surges to $1,964, an increase of $219 each year. Then add in one accident along with the one speeding ticket and the annual cost of car insurance for 4×4 vehicles jumps again to an average of $2,581. That’s an increase of $836, or $70 per month, just for not maintaining a clean driving record!
Arizona car insurance companies
Buying coverage from the right insurance company is difficult considering how many choices there are in Phoenix. The ranking information listed below could help you analyze which companies to look at when shopping around. These rankings are only comprised of companies who write in the majority of U.S. states, so smaller companies are not factored into 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
What aren’t you shopping around?
Arizona car insurance rates are impacted by many things that may substantially change the cost of coverage. Simply turning a year older, getting married, or getting a DUI can produce rate changes that may make certain companies cheaper than competitors.
Not only may your situation change, but insurance companies change the rates they charge in Arizona as often as every quarter to help ensure profitability. Unexpectedly high claims may result in increased rates, while lower claims may cause cheaper Phoenix car insurance rates.
The graph below shows the company with the cheapest car insurance in Phoenix, AZ for a 30-year-old male driver with no prior claims, no tickets, and great credit. If we look at prices based on his current situation, The Hartford may have the best car insurance rates in Phoenix at $1,220 annually. This is $208 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and Progressive round out the rest of the most affordable Phoenix, AZ auto insurance companies.
Now we will pretend the driver from the above example a chargeable accident, a lower credit score, and a couple of points charged on his driving record. Due to the fact that each insurance company has their own unique process to determine rates, getting updated rate quotes could now result in a different list of the cheapest Phoenix car insurance companies as shown below.
GEICO now has the best price in Phoenix, AZ with CSAA, Allied, Ameriprise Group, and Safeco now rounding out the top five. This demonstrates why Phoenix drivers need to do a thorough rate comparison to get the lowest insurance quotes for 4×4 vehicles.
Prices are influenced by many different factors and change frequently, so the cheapest company six months ago may now be wasting a lot of money.
How to find economical insurance for 4×4 vehicles
It’s not impossible to find cheaper rates, and here are some money-saving suggestions that can help Phoenix drivers buy more affordable auto insurance.
- Choose a safer vehicle and pay lower rates
- Avoid getting tickets or violations
- Do not pay for full coverage on older vehicles
- Prevent rate increases by staying accident-free
- Increase your physical damage deductibles
- Maintaining good credit helps earn cheaper rates
- Compare rates once a year for cheaper prices
The last tip in the list is particularly vital, as we stressed in the prior information. Prices charged by auto insurers in Phoenix can be changed at any time, so drivers shouldn’t hesitate to switch to a new company if a cheaper price is available.
Many drivers prefer to stick with one company, but it’s not a great idea if that dedication is costing a lot of money every month. If you have a few minutes, compare rates and find cheaper auto insurance for 4×4 vehicles.
If you aren’t sure which coverage you need and prefer to get some guidance when shopping for cheaper insurance for off-road vehicles, the insurance agencies listed below can aid you in deciding which car insurance company is the best fit. To find an agent close to where you live, click the button at the bottom of the list or click here to get price quotes now.
Jim Nork – State Farm Insurance Agent
1600 W Camelback Rd #1a – Phoenix, AZ 85015 – (602) 222-9400
Eric Hamilton – State Farm Insurance Agent
10265 W Camelback Rd #120 – Phoenix, AZ 85037 – (623) 848-3048
Bob Schneider – State Farm Insurance Agent
243 W Portland St – Phoenix, AZ 85003 – (602) 277-2687
Oasis Insurance
317 N 19th Ave – Phoenix, AZ 85009 – (602) 233-5500