There are several factors that affect the cost for auto insurance in Phoenix. The most important thing is what type of vehicle you have. The coverage you need will be more costly if your vehicle costs more. Luckily, it's possible to find the cheapest car insurance in Phoenix by shopping around.
In Phoenix, drivers age 40 and older can expect to pay an average of $1,748 a year. This rate is substantially lower than the $2.534 they will pay in other parts. Aside from the model of your vehicle, age and driving history also affect your premium.
Drivers who are involved in a lot of accidents or claim will usually be charged higher by their insurers. Drivers with a good driving record and excellent credit score can save up 65 percent. Requesting a customized quotation is a smart move.
Your rates will be affected by other factors than your gender and age. Federal employees and homeowners may be eligible to receive discounts. USAA has very low rates for military veterans. State Farm or another insurance company may be better for younger drivers.
GEICO might be the right choice if your goal is to find affordable, full-coverage insurance in Phoenix. Their rates are about half of the national average, making them the cheapest option in the city. They offer many coverage options including collision and comprehensive insurance.
You should investigate how insurance companies calculate premiums when searching for auto insurance in Phoenix. Each company uses their own formula. Progressive's formulas consider drivers' driving history and age to determine how much they'll be charged for coverage. Progressive insurance can be a great way to save up $1,134 each year.
The next cheapest option is State Farm. For your Phoenix car insurance, you'll be paying an average of $13,338. State Farm offers only insurance for civilian families, and this is unlike other car insurers.
Your rate will rise if you have a history reckless or at fault driving. Your premium will climb up to $934 a year if you're convicted of a DUI or other driving offense. Avoid speeding or engaging in other dangerous behavior to avoid any criminal charges.
However, if you are a safe driver, your monthly premium should be lower. While many factors influence your premiums, there are usually discounts for safe driving. Depending on the insurer, you may also receive discounts for having a clean driving record or purchasing a full coverage policy.
Full coverage insurance in Phoenix will protect you from property damage and non-collision damages, but it will cost more than the minimum coverage policy. Your premium could be higher than the car's value, so make sure you get the right coverage.